HSBC NORTH AMERICA HOLDINGS INC

2019-06-28

Saint Petersburg, FL

Unexpected or other fees

Money transfer, virtual currency, or money service: International money transfer

Company Response: Closed with explanation

Timely Response

2019-06-28

Baxter Estates, NY

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2019-06-28

Phoenix, AZ

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I received an offer in the mail from HSBC in XX/XX/2019 for a credit card offer with a promotion for zero interest rate on purchases and balance transfer for 18months. I went on-line and applied for the 18 month promotion. I have done this in the past with other cards and use the no interest period often for a balance transfer and pay it off. I am also a XXXX XXXX XXXX for 20 years I am aware of terms. I received the card along with the offer letter dated XX/XX/2019. Please see attached letter. Again it clearly states 0 % for 18 months. I received a letter dated XX/XX/XXXX. See attached. I called the number on when I read it around XX/XX/XXXX and got the run around put on hold for 25 minutes. ect really a nightmare. Finally spoke to a manger named XXXX he admitted that they had meetings about this false Advertising and was instructed to ignore any calls and about this issue that most folks would get frustrated and stop calling. But he would expiate the issues and call me back on Friday the XX/XX/XXXX. he did call me back and gave me the run around again per upper management. Keep in mind all this comes out of the XXXX call center you can not speak with any on in authority in the USA. I called again today XX/XX/XXXX again with no results. This is bait and switch Advertising and illegal in all US states.
Company Response: Closed with explanation

Timely Response

2019-06-28

Los Angeles, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-06-27

Key Biscayne, FL

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: HSBC offered me a line of credit and a credit card. I applied and received a XXXX line. I can not get information on my account. My credit score was affected and I am unable to access this line of credit. I never received checks, or a card or anything from HSBC.
Company Response: Closed with explanation

Timely Response

2019-06-27

Good Samaritan Village, NE

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2019-06-27

NV

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: This is in reference to complaint XXXX which was CLOSED after the company, HSBC, sent me a letter telling me to send copies of my Driver 's license or passport and utility bills through the mail to authenticate me. I spent over three hours on the phone giving DL numbers, date of birth, mother 's maiden name, addresses- old and new, etc.. The credit card account I closed has {$160.00} credit that HSBC is stealing from me ( they will not send a check ). If MY money is not returned to me in a reasonable time I will be contacting the police and sheriffs in both XXXX ( previous address ) and XXXX ( present address ) to have this credit card fraud investigated. The HSBC reference number is ID # XXXX. The original complaint was opened XX/XX/XXXX and today is XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-06-27

Dixmont, ME

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Was called in early XXXX, told I had 2 ( two ) hours to pay {$590.00} or legal action would be taken against me. Could not come up with that amount, no payment arrangements offered. The Rep I spoke with, XXXX was rude and threatening. Week later HSBC called again, said I has to pay in full {$530.00} to settle this debt but could not get info on when and how this was my debt. Claimed owed since 2012. Never got mail notification, checked my credit report and NO old credit card debt showing as in collection or charged off. Also received a " recorded '' call from a male who said I was now officially " served ''. My sister advised me to cancel my debit card and file a complaint as she believes this is a fraud. This HSBC has already taken close to {$900.00} from my account since XXXX of this year ... am completely puzzled and frankly tired of being threatened and harrassed ... Any help would be so very, very appreciated. Thank you ...
Company Response: Closed with explanation

Timely Response

2019-06-27

Sylvester, GA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: THE COMPANY XXXX XXXX FALSELY CLAIMED TO BE REPRESENTING THE CREDIT CARD HOLDER HSBC TO COLLECT A DEBT. THEY THREATENED TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY ORIGINALLY TOLD ME I NEEDED TO PAY {$1500.00} THEN THEY SAID I HAD TO PAY OVER {$3000.00} BECAUSE OF COURT FEES BECAUSE THEY WERE FILLING SUIT AGAINST ME. I MADE 4 PAYMENTS TO THEM OF {$110.00} OVER 4 MONTHS, THEN I RECEIVED CALLS FROM THE CARD HOLDER SAYING THAT I HAVE NOT BEEN PAYING THEM AND THEY WERE READY TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY INFORMED ME THAT THEY WERE NOT GOING THROUGH A DEBT COLLECTOR TO COLLECT MY ACCOUNT AND DID NOT KNOW WHO APE FINANCING WAS. THE CARD HOLDER WAS UPSET WITH ME AND POSTED ON MY CREDIT REPORT AND IT DECREASED MY CREDIT NUMBERS. THE CARD HOLDER, MY BANK, THE XXXX XXXX XXXX AND MYSELF HAVE NOT BEEN ABLE TO GET IN TOUCH WITH ANYONE AT XXXX XXXX. THEY HAVE RECENTLY BEEN CALLING AND HARASSING ME AGAIN BUT WHEN I CALL BACK I CAN NOT REACH THEM. I FOUND THEM ON THE INTERNET AND THEY HAVE SCAMMED OTHERS.
Company Response: Closed with explanation

Timely Response

2019-06-26

Brooklyn, NY

Opening an account

Checking or savings account: CD (Certificate of Deposit)

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-06-26

Finksburg, MD

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: The following was my message to HSBC. " My credit card account ( XXXX ) was closed after HSBC asked me to use it before by the XXXX of XXXX because it was INACTIVE. I made 2 charges and now there is balance of {$130.00}. There is NO WAY to make this payment. I need access to resolve this issue QUICKLY. If I don't hear from you by the close of business XXXX XXXX, 2019, on how I can complete a payment, I WILL FORWARD this COMPLAINT to the https : //www.consumerfinance.gov/ or The CONSUMER FINANCIAL PROTECTION BUREAU. HSBC does have to LOCK me out before I can make the payment. This looks like a XXXX PRACTICE to get me to DEFAULT on my payment so that HSBC can hit me with LATE FEES and PENALTY. I called your customer service and an bunch of XXXX who CAN ONLY SING ENGLISH was TALKING XXXX. I need professional RESPONSE from people who are interested in RESOLVING this ISSUE. '' I contacted HSBC via their INTERNAL messaging service and they DID NOT HELP in resolving this issue. HSBC practices FRAUD and XXXX via OFFSHORE CROOKS. Their MANAGEMENT at HSBC thinks that EVERYONE in the US as STUPID as they are. My phone number is ( XXXX ) XXXX.
Company Response: Closed with explanation

Timely Response

2019-06-26

Chester, NY

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2019-06-26

Hartford, CT

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2019-06-25

Island Trees, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-24

Tampa, FL

Applying for a mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-06-24

Rochester, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I obtained a second mortgage on my home in XX/XX/XXXX with maturity date of XX/XX/XXXX, from Household Finance, ( agreement attached ) for a total of 240 payments with no balloon payment. I am unsure when but at some point HSBC took over the loan or merged with Household. In XX/XX/XXXX the mortgage was taken over by XXXX XXXX. I have made my XX/XX/XXXX payment and will be making my XX/XX/XXXX regular payment of XXXX as soon as XX/XX/XXXXclears. My maturity date is XX/XX/XXXX and my balance before the XX/XX/XXXX and XX/XX/XXXX payments is XXXX, I do not understand this balance and have been trying to obtain information from XXXX ( which they have been helpful ) and HSBC as to why I have this balance. XXXX has sent me payment history from XX/XX/XXXX to present ( attached ) and this shows 10 missed payments as you can see, and they are XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX which would be equal to XXXX, but I do not understand why these payments are missing as loan is not showing modification which I believe I would have had to agree to and sign. I have also tried to obtain payment history from XX/XX/XXXX to XX/XX/XXXX and I have called HSBC but they have been very uncooperative and said they do not have access to household accounts. XXXX on the other hand has provided me with the payment history from XX/XX/XXXX to present but for some reason I am having a problem getting XX/XX/XXXX-XX/XX/XXXX. I would greatly appreciate any help you can give me in determining why I have this large maturity balance due.
Company Response: Closed with explanation

Timely Response

2019-06-24

Polson, MT

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2019-06-24

Dr Martin Luther King Jr, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-23

Nyc, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: My Hsbc premier credit card ending in XXXX was compromised and someone used my card starting XXXX to end of XXXX. I called in on mid XXXX to cancel the card and they denied the claim stating that I called in for travel notice and some of the charges are Coming from over seas but I called again for the claim stating I cancelled my plan to travel which I called my card company to let them know and they should have note of it. They had sent the letter stating my claim was denied for not filing police report on XXXX to my previous address which I didnt know it until last Sunday. I had to goto police to file the report yesterday for identity theft and the fraud charges. I asked my bank for interest charge reversal and theyre refusing to do so as the claim was denied which amounts around to XXXX $ Worth and they keep charging the finance charge fee.
Company Response: Closed with explanation

Timely Response

2019-06-23

Austin, TX

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I was invited to open an account by HSBC. The credit card was opened in XX/XX/2018. At the time of activation I requested that the bank place me on auto bill pay so the minimum amount due each month would be deducted from my bank account. However, despite multiple attempts, they never assisted me in setting it up. After manually making these payments for a few months, I again tried and was told that it had been setup. However, the auto payment for XX/XX/2018 did not go through and without any further notification or attempt to contact me, late payment fees were issued and my account closed. Very unprofessional behavior from a bank that was begging me to open an account with them.
Company Response: Closed with explanation

Timely Response

2019-06-23

Madison Square Sta, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-22

Jersey City, NJ

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: - I opened an account in or aroundXX/XX/2018 - HSBC offered a welcome bonus to open an account at that time. - I met all the conditions of that offer and HSBC is refusing credit the bonus stating that I did not apply under that offer. - HSBC made multiple errors during the account opening process ( and took more than 2 weeks to even open the account )
Company Response: Closed with explanation

Timely Response

2019-06-22

NY

Incorrect information on your report

Mortgage: Conventional home mortgage

Complaint: hello I will try to make this short. hsbc has claimed I did not make payment for 2 years now they want to foreclose. they also did the same thing 4 years ago. and in 2012. I have to keep going bankrupt to save the house I have ever single receipt. and they say that's not good enough. even my Lawyer is surprise. so I have to go bankrupt again. something has to happen to hsbc to cost me my credit. and giving me a heartattack. also, they would hold my check until after the XXXX and charge me a late fee this has been going on your years so I certified ever mortgage check so I wood know when they got them..
Company Response: Closed with explanation

Timely Response

2019-06-20

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-06-20

Lancaster, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I was contacted by a company going by the name of XXXX ( XXXX ) XXXX on Friday XX/XX/XXXX for the first time advising me there is a claim ( Case # : XXXX ) against me in the amount of $ XXXX for a XXXX XXXX credit card that went into delinquency back in XX/XX/XXXX according to the representative I spoke to. I immediately advised the representative that I am unaware of any alleged outstanding debt and that any and all credit accounts held by me or jointly with my wife were discharged in Bankruptcy court in XX/XX/XXXX. Prior to this phone conversation I have only ever had XXXX XXXX XXXX credit card held jointly with my wife. I advised the representative of XXXX ( XXXX XXXX ) that I needed a few days to pull my credit report and also to get a copy of my Chapter XXXX bankruptcy discharge which was cleared on XX/XX/XXXX. Mr. XXXX stated to me that this alleged credit account was not included in the Chapter XXXX filing and that the alleged debt is still valid. Once again I explained to Mr. XXXX that I will get a copy of my discharge papers and would be happy to fax them to XXXX as proof that all of my accounts were discharged in Federal Bankruptcy Court. I intended to call XXXX today, Thursday XX/XX/XXXX however, I received a follow up call from a Mr. XXXX XXXX ( XXXX, ext. XXXX XXXX yesterday XX/XX/XXXX advising me that my case was now referred to him. I proceeded to explain the same instance of details I explained to Mr. XXXX the previous week. Mr. XXXX quoted my representing attorney in bankruptcy court, quoted the bankruptcy discharge date , county and state of the discharge ( All public information by the way ) and stated to me that the account was not listed on the discharge. I requested specific paper proof showing me how they determined that this alleged specific account was not listed on my bankruptcy accounts list. I was informed that they simply look at the account, compare it against a discharge list that they have access to and can determine on their end that the account was not included. Again, I requested the proof that he is quoting to me about this alleged account and Mr. XXXX could not present any proof of said account either in paper or electronically. If this is truly the case, why didn't they ( XXXX XXXX or any representing collection agency ) show up at the meeting of creditors during the Chapter XXXX proceedings? Considering that according to them, the account was delinquent since XX/XX/XXXX, and my hearings and ultimately discharge occurred in XX/XX/XXXX? Furthermore, the court never received any objections, written or otherwise to the filing when first initiated in XX/XX/XXXX. I then informed Mr. XXXX that I can not simply go by his word that this account was not included. I explained that I only ever had one XXXX XXXX credit card account prior to our bankruptcy filing. I also advised Mr. XXXX that I have never seen the one account that I am aware of go into delinquency. This account has not shown up on my credit report as unpaid or noncollectable by the original crediting bank. Mr. XXXX then gave me an explanation that sometimes banks don't report delinquent accounts to the consumer reporting agencies in an attempt to give the debtor an opportunity to pay the account. Five years of leniency? I have never, ever heard of any creditor granting such mercy to anyone. Everyone of my accounts that I had previously, were listed on my credit report and never once did any XXXX XXXX account come up as delinquent until the Chapter XXXX filing in XX/XX/XXXXunder advisement of our bankruptcy attorney. Furthermore, after the discharge, all credit accounts that my wife and I had previously were closed under the chapter XXXX filing. I advised Mr. XXXX that as a one time courtesy, I am going to fax them a copy of my Bankruptcy Discharge papers ( blocking out any personally identifiable information ) as proof that all accounts were in fact discharged. We ended our call at this time and I did in fact fax them all of the discharge papers to fax # : XXXX. I then proceeded to perform a reverse lookup of this fax number and the owner of the number comes up as XXXX XXXX and XXXX ( a collection agency ) located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX with a primary contact number of ( XXXX ) XXXX according to the XXXX website. In my fax communication to this agency, I explained the content of the fax. I also at this time communicated my expectations that as far as I am concerned, this matter is fully resolved, null and void. I also stated in my letter accompanying the facsimile that should any of this invalid information end up on my or my wife 's credit report, I would seek full legal action against XXXX and any associated partners of their firm. I also furnished to XXXX the name and contact information to my Bankruptcy attorney 's office and made clear that any further information they might require would need to be obtained from the Attorney 's office and that I no longer wish to be contacted on this matter. I'm filing this complaint at this time for two reasons ; 1. The methods of which XXXX or XXXX XXXX XXXX XXXX are employing to collect on a debt that was discharged in Federal Bankruptcy Court, and, 2. I'm not sure what they will do with the information furnished to them by me.
Company Response: Closed with explanation

Timely Response