HSBC NORTH AMERICA HOLDINGS INC

2015-09-02

Newark, DE

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-02

Bradfords Cross Roads, NC

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-02

West Newfield, ME

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-02

Brooklyn, NY

Other transaction issues

Money transfers: International money transfer

Complaint: I paid via HSBC wire transfer on XXXX,2015 for a trip to XXXX to a bank in XXXX XXXX advised that this would take XXXX business days. On XXXX XXXX 2015 I was notified by the tour company that they had not received the funds. I called XXXX at HSBC bank. She was unable to tell me what the delay was. I told her that because we were about to leave for XXXX, I needed to ensure our trip in XXXX was paid for before I left the XXXX & to cancel the wire transfer on XXXX XXXX 2015 & I would pay by credit card - which I did. When I returned from overseas on XXXX XXXX, 2015 & turned my phone on, there were XXXX messages from HSBC asking me to call them. I did so on XXXX XXXX and was told by XXXX that HSBC 's security department put a hold on the wire transfer because I was supposedly sending money to XXXX. Apparently they had not cancelled the wire transfer as instructed on XXXX XXXX 2015. They advised they would cancel the wire transfer immediately. I was then called by XXXX at HSBC some hours later to advise that I would be responsible for the difference in the exchange rate as the XXXX dollar had fallen against the XXXX in the ensuing XXXX weeks. I said I was not responsible for the delay and that I should not have to pay for HSBC 's tardy service. I enquired as to the amount we were discussing and XXXX was unable to tell me but insisted on my giving her an acceptance response on the spot. I said I refused to accept the costs as the delay was not of my making but was because HSBC had delayed in my instruction on XXXX XXXX 2015 to cancel the wire transfer. I asked her to call me back on Tuesday XXXX XXXX 2015 with an estimate of the costs involved. She did not. I called HSBC Premier department at XXXX and asked why I had not been called by XXXX and given an estimate of the costs involved. I was informed that she was not available. XXXX of HSBC then called me at XXXX today ( XXXX XXXX 2015 ) and advised that due to the current exchange rate, cancellation of the wire transfer would cost me an estimated $ XXXX. This is 10 % of our trip costs. I said this was unacceptable as the whole reason the wire exchange needed to be cancelled was that HSBC had placed a hold on the transfer because they believed I was sending money to XXXX. My complaint was then transferred to XXXX of HBSC who advised me that on XXXX XXXX 2015 HSBC would have transferred the money and the accepting bank in XXXX was the reason for he delay. I asked him how could that be since on XXXX XXXX 2015 I was being advised that HSBC had placed a hold on the wire transfer due to the XXXX concerns, and that I still needed to cancel the wire transfer. This is totally unacceptable. HSBC then said they did not have a way to refund the {$220.00} to me as it was their 'Policy '. XXXX also said there was no way for me to make a more formal complaint. I enquired about a Banking Ombudsman and XXXX did not even know what an Ombudsman was. XXXX told me he would record my complaint for statistical reasons and to improve customer service. So I went on line and found this address and am making this complaint.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-09-02

NY

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-02

Canandaigua, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Flamingo Ldge, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Saint Paul, MN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

NJ

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I had a personal loan with HFC beneficial. This loan had an extremely high interest rate. In XX/XX/XXXX I was XXXX. Due to medical bills an inability to work I fell behind in payments. I tried to negotiate a lower payment and make arrangements to pay with the creditor and they refused to help me. Prior to this time payments were made in a timely fashion even when they closed the brach that I usually made payments at. They continued to add fee after fee and added XXXX more years to this loan. This was a predatory loan. They used to charge {$12.00} just to make a payment online. Now my credit report is ruined because of the unfair billing practices of this company. Eventually I think this loan was transferred to XXXX XXXX. This loan was paid in full in XX/XX/XXXX. 2 years after it was originally supposed to be paid off. No explanation was ever given to the additional charges and I believe I was forced to pay fees that were undue. This company preyed on people who were desperate and then overcharged them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Des Moines, IA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Credit card showed unauthorized charges as I RARELY use the card in the amount of {$14000.00}. Advise them I did not authorize. Agent confirmed I would not be responsible for transactions, but I am still receiving statements.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-01

Charlottesville, VA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-01

NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I advise HSBC XXXX that my credit/identity had been taken and noticed unauthorized charges on my card. They said I would not be held responsible, but I just received a statement with a balance of {$14000.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Rochester, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Fort Lauderdale, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Milpitas, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-31

KY

Communication tactics

Debt collection: Auto

Called after sent written cease of comm
Complaint: I had settled for a XXXX dallor pay off on a motorcycle from XXXX through HSBS bank and have n't heard nothing back in a month or so and still showing I owe for it!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

NJ

Customer service / Customer relations

Credit card:

Complaint: I had an HSBC credit card that was charged off in 2007. The credit limit was {$500.00} and the high balance was {$790.00}. HSBC sold this debt to someone else. They are continuing to report this account on my credit report after 8 years? This was supposed to have been removed last year. This is doing severe damage to my credit report.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-29

VA

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: In XX/XX/XXXX I refinanced a equity loan with XXXX paying off HSBC They never filed a affidavit of satisfaction. I have asked them about this and filed the necessary document to get this resolved on XX/XX/XXXX .. I did not know of this till I tried to sellmy property ..they are telling me it will take XXXX too XXXX days to resolve this ..Mean whilethe buyers are becoming inpatient and also the people I am buying from..
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Los Angeles, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Oxford, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Chaska, MN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-28

Modesto, CA

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response