HSBC NORTH AMERICA HOLDINGS INC

2019-06-20

Baltimore, MD

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

2019-06-20

MI

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Complaint: They called me in regards to an extremely old debt. They were very rude & aggressive & told me they were going to place a freeze on my bank accounts & garnish my wages in the amount of a XXXX figure even though the actual bill is around XXXX. I dont know if this company is legit but they had all of my information, including my full social security number. They called me on Wednesday XX/XX/19 from phone number XXXX but Im the voicemail, requested that I call back at XXXX.
Company Response: Closed with explanation

Timely Response

2019-06-20

Rochester, NY

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Telephone calls 2-3 times daily from a company named XXXX XXXX, also voice messages left stating company has an informational packet that will be given to my place of employment or residence. XXXX claims debt is owed exceeding {$800.00} but willing to clear debt for payment over {$500.00}. Claims debt is originally owed to HSBC bank with a last payment remitted as of XX/XX/2013. I stated NY state has a 6 year statute of limitations ; and she said I am just a person trying to get out of paying a bill. The person, a Ms XXXX became belligerent and abusive on the phone ; I was not going to stay on the telephone line to take that abuse. I have also contacted HSBC bank on two separate occasions to resolve the matter, but HSBC bank will not investigate the matter without myself providing my SSN. I made the argument that the bank already has my SSN ; why is it needed again. I asked if it their bank policy to hand out money without getting a persons SSN in the first place. To sum it up ; HSBC did not want to resolve the matter.
Company Response: Closed with explanation

Timely Response

2019-06-20

Anaheim, CA

Opening an account

Checking or savings account: Savings account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-06-20

Brooklyn, 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
Company Response: Closed with explanation

Timely Response

2019-06-20

Anaheim, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I opened a Bank Account with HSBC on XX/XX/2019 with {$10000.00} ending in XXXX. The had a promotion that keep {$10000.00} in account for 90 days and receive {$350.00} Bonus. now it has been 126 days since I opened the account and still haven't got {$350.00} bonus in the Account.
Company Response: Closed with monetary relief

Timely Response

2019-06-18

Odessa, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-06-18

IL

False statements or representation

Debt collection: Credit card debt

Indicated you were committing crime by not paying debt
Complaint: On XX/XX/XXXX. I started receiving calls from multiple relatives informing me that this company ( identified to me as XXXX, to others as XXXX XXXX ) was contacting them regarding a claim that was being filed against me. I then received a call from my father, who informed me that a woman wanted to talk with me and that they were " filing papers '' for a suit against me. He spoke to her ( XXXX, extension XXXX ) multiple times during the day while I was attempting to figure out what was going on, and at no point did I give her or anyone at " XXXX '' permission to do so. At one point during their conversation, she informed him that she would like to get this paid off by XXXX. I gave them a call ( XXXX ) and spoke to XXXX, extension XXXX. She informed me that papers were being filed with the XXXX County courthouse because I had " defrauded a credit card company ''. She also mentioned something about wage garnishment. After asking her to identify the debt, she responded with a 16 digit account number, an amount of XXXX dollars, and stated this was a debt from XXXX that had only received one payment and therefore constituted credit fraud. I asked if it was possible to pay whatever it was that I owed to stop this, and her answer was yes and that they would settle for XXXX dollars. I then asked her why this debt was not on my recently pulled credit report, and her answer was that it was because they were filing papers to submit them to XXXX County and they were trying to avoid the 7 year statute of limitations. Naturally I was a bit apprehensive at this point, as I had just gone through a refinance with my house and had to find every possible debt from the recent past and get it paid off. This debt was not among them. I asked for a direct number to the person I was to contact in the event this did prove to be a legitimate debt, and her response was that there wasn't one and to just call the number that got me to her. ( XXXX ) After getting off the phone with her, my wife received multiple calls from them, as did my other sister and even her husband. Fortunately I keep old credit reports, and after looking through a physical copy of my credit report from XXXX, the account number I was given did in fact belong to a credit card that had been opened in XXXX, paid on time for months before becoming late, and then charged off in XXXX. This plainly contradicts what I was told ( opened in XXXX, only one payment ) by XXXX. Her urgent tone and general lack of specific information or even a remotely recent address for me coupled with the fact that her date and specifics of this " debt '' were incorrect lead me to believe this is a " scare tactic '' attempt to fraudulently collect a debt that is no longer valid.
Company Response: Closed with explanation

Timely Response

2019-06-18

Van Nuys, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I never had an account with HSBC. Please provide validation of this debt associated with account ending in XXXX. Do not call, please. Communicate in writing only.
Company Response: Closed with explanation

Timely Response

2019-06-17

Finksburg, MD

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Complaint: This agency has contacted me several times regarding an unverifiable debt. When I asked for additional information, they could not provide it. They have threatened to have me served with court documents. As such, I told them that I would be happy to appear in Court on this because they would have to prove the validity of this debt. They have called numerous times before and I've responded in the same matter. They still have not served me with any paperwork. This situation is out of control because they contacted my mother ( at work ) and my family member, even though I have spoken with them and tried to arrange a time for them to serve me with paperwork. This isn't the first time they've contacted me but it is the most recent. Even after speaking with them on Thursday, they contacted my mother at work on Friday. This is unacceptable. I would like some assistance in dealing with this collection agency because at this point they are violating my rights as a consumer.
Company Response: Closed with explanation

Timely Response

2019-06-17

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-17

Wallington, NJ

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Complaint: The XXXX branch of HSBC are using " Family Linking '' to link up to 4 immediate family members so that all can receive Premier banking status. What HSBC XXXX does not disclose is that every time a software upgrade occurs these links get severed causing your family members to be charged a {$50.00} a month fee. After many phone calls with HSBC and speaking with other branches, it was found out that this feature should never be used as it will cause unwanted fees in the future. The only safe way to associate accounts is through joint accounts.
Company Response: Closed with explanation

Timely Response

2019-06-16

Soquel, CA

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: XXXX XXXX XXXX, Vice President, Head of Customer Relations XXXX XXXX, Senior Vice President, Head of Customer Experience This is in reply to a XX/XX/XXXX letter from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations. I have attached a copy of that letter. 1. The letter stated that the Share the Experience Bonus of {$100.00} was already credited to my account. This is incorrect. The {$100.00} promotional bonus posted on XXXX XXXX, XXXX to my account was, in fact, for a second referral, XXXX XXXX, and she likewise got her bonus already. I have verified this with XXXX XXXX from the HSBC XXXX Branch. 2. The subject of my complaint has always been the first referral bonus. Contrary to your letter, the referral bonus for the account belonging to XXXX XXXX which was opened on XX/XX/XXXX, has never been paid and is way overdue ( promised within 8 weeks XX/XX/XXXX then ). You have yet to honor the terms of the XXXX promotion. 3. The above letter stated that within 4 weeks ( by XX/XX/XXXX then ) a credit of {$250.00} will be posted to XXXX XXXX account. To this date, no credit has been posted. 4. In your letter you included two telephone numbers where Customer Relations ( XXXX XXXX ) could be reached but nobody answers that phone and although the message states that somebody will call back by the end of the next business day, NOBODY calls back. I have called those numbers numerous times, leaving a message at all times but I was never called back. 5. Also, I have sent emails to the email address you provided in your letter and again NO REPLY. I am beyond frustrated dealing with HSBC regarding this matter. Your prompt resolution of this matter is immensely lacking on your part. It has been one promised resolution date after another.
Company Response: Closed with explanation

Timely Response

2019-06-15

City Industry, CA

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-06-14

Mount Prospect, IL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-06-13

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-06-13

Miami, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-06-13

E Falmouth, MA

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-06-12

Collierville, TN

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-06-11

Rncho Domingz, CA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-11

Baldwin, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-06-11

NV

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I closed the credit card account and it has {$160.00} credit that they will not send to me. I spent over 40 minutes with the chat line, then over 25 minutes on the phone with the credit card department giving my social security number, drivers license number, address, phone numbers, etc.and all I get is " we will call in 1-2 business days '' or " we will call in 2-3 business days ''.
Company Response: Closed with explanation

Timely Response

2019-06-10

Belleville, IL

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2019-06-10

Ballwin, MO

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Untimely Response

2019-06-10

WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I received a phone call from, +XXXX ( XXXX ) XXXX today saying I had a past debt from 2001 in the amount {$1000.00} and the creditor would like to settle now over the phone right now in the amount of {$520.00}. They read back my full social security number and knew my name. I called so called creditor, They said was HSBC bank and they have no record of me on file.
Company Response: Closed with explanation

Timely Response