HSBC NORTH AMERICA HOLDINGS INC

2019-05-10

Long Valley, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-10

IN

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: On XX/XX/XXXX, received a call from a representative who was working on behalf of HSBC to tell me I owed money on a credit card that I opened in XX/XX/XXXX. I had 90 minutes to respond to the initial call or they would proceed without speaking to me. The initial amount was {$880.00} and was now at {$6600.00} due to interest and late fees. I advised that I did not open a HSBC card in XX/XX/XXXX and the only ones I did have were included in my bankruptcy in XX/XX/XXXX ; which they knew about, but this card was not a part of that. The card in question ended in XXXX. When I searched old credit reports, this card does not appear on any credit report. They advised it wouldn't be on a credit report as it was put on hold, then transferred or sold to XXXX XXXX. The only HSBC card I had that was transferred, was in XX/XX/XXXX and included in my bankruptcy. They wouldn't listen, they were just trying to do their job and collect my debt. They were willing at this time to offer me a settlement of {$1300.00} ; yes or no, couldn't think about, had to decide at this time. I also had to provide them with a credit card to pay. I advised I didn't have a credit card with me, they said they would put a hold on my bank account until I was able to provide my credit card info but I had to respond by XXXX. I advised I wasn't going to give them any bank or credit card info over the phone. I also advised I had never received anything in writing and they said I was lying, they have sent out multiple notices to me regarding this. When I asked them what address they sent the notices to, they asked me to verify my address, I again asked them to verify my address and they refused. When I refused to pay and they refused to send me notification in writing, they advised they would pursue a judgement against me, have my wages garnished and possibly arrested for credit card fraud.
Company Response: Closed with explanation

Timely Response

2019-05-10

CT

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: As a result of my previous complaint with CFPB, case # XXXX, I've received a letter dated XXXX from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations, guaranteeing that {$750.00} Promotional Bonus will be deposited into my current saving account within 8 weeks from XX/XX/XXXX as long as {$100000.00} minimum requirement has been maintained since XX/XX/XXXX to XX/XX/XXXX. Although I have met the requirement and 8 weeks from XX/XX/XXXX ended on XX/XX/XXXX, the {$750.00} has not been deposited into my account
Company Response: Closed with explanation

Timely Response

2019-05-10

Castle Point, NJ

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Company Response: Closed with explanation

Timely Response

2019-05-08

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-05-08

Nyc, NY

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened to sue you for very old debt
Complaint: Over the last 5 years, I have attempted to settle this HELOC with HSBC with a single payment, a partial payment lower than what I owe them. The two liens on the house XXXX XXXX is approx. {$410000.00} and the HSBC heloc is with penalties and interest $ XXXX. The house is worth about $ XXXX. Over and over they sent me back to loss mitigation to create a payment plan for the {$350000.00} Heloc lien which serves me no purpose as there is no equity in the home for me. I have written them at least 7 times offering a single payment buyout of the total debt of {$30000.00}, {$20000.00} and {$15000.00} to open a dialogue with them. Nothing. All I get is a long loss mitigation form and I'm back to square one. They are now moving forward with a forclosure on the house, the home I wanted to retire in.
Company Response: Closed with explanation

Timely Response

2019-05-07

San Bernardino, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: They call and call no answer and I never sign any contract with this collection agent! By law if I dont sign any contract with this agency this need to be removed from my credit report!
Company Response: Closed with explanation

Timely Response

2019-05-07

Arco, CA

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: In late fall of XX/XX/XXXX, I received an offer in the mail saying I pre-qualified for an HSBC Cash Rewards Mastercard and that if I applied before XX/XX/XXXX, I would receive the card whose benefits included a {$150.00} Welcome Bonus for spending more than {$500.00} in the first 3 months. On XX/XX/XXXX, as per the invitation 's directions, I applied for the card by going to us.hsbc.com/cashrewards and putting in the Invitation Number XXXX. I soon received a letter ( dated XX/XX/XXXX ) saying I was approved. However when I received the card on XX/XX/XXXX, the information accompanying it ( dated XX/XX/XXXX ) said the " {$150.00} Welcome Bonus would be rewarded after I'd spent {$2500.00} in the first 3 months NOT the promised {$500.00}!! I immediately called HSBC on XX/XX/XXXX and again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request the error be corrected. Each time, the representative ( some of their names are XXXX, XXXX, XXXX, XXXX ) promised to call back within 24-48 hours but NEVER DID. I did spend the {$500.00}, well within 3 months. On XX/XX/XXXX, I talked with XXXX via HSBC 's Chat Support. XXXX said that I would receive the bonus after 3 months. But that never happened. In XX/XX/XXXX, when I called AGAIN, the representative said the office that handles rewards claimed I didn't use the Invitation Number. But I did. YOU CAN'T APPLY WITHOUT ONE. Literally. The website screen is a blank space for the Invitation Number. They also said I would receive a letter from " the office '' explaining this. But I never did. This " bait and switch '' promotion is unacceptable. I only applied for the card to get the {$150.00} Welcome Bonus. I NEVER would've applied for the card had I known it required I spend {$2500.00} in 3 months instead of {$500.00}. My documentation includes : PROMOTIONAL OFFER ( which indicates a Welcome Bonus for spending {$500.00} ), CARD PAPERWORK ( where they switched to having to spend {$2500.00} ), SCREENSHOT OF CHAT WITH XXXX ( where he says my bonus is coming ), SCREENSHOT OF WEBSITE ( which shows you have to use Invitation Number so they are lying when they claim I didn't!! ) Thank you ...
Company Response: Closed with explanation

Timely Response

2019-05-07

FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: My cousin received this voicemail from a man name XXXX ( which was strange to begin with because i have never put her number on anything other than emergency contact or reference for a job ) stating he was calling from a law office about a complaint about collecting a debt. when i called back i got XXXX XXXX, who was off rip rude as they come. XXXX tells me that he is calling regarding a debt from HSBC from XXXX XXXX XXXX of over $ XXXX. for starters, i have never heard of this company HSBC and two why are you calling me TWELVE YEARS LATER. XXXX then tells me that it was a card i applied to in XXXX and had until XXXX to pay. again 10 years later they are calling me. without any form of contact from this said company, no calls no mail. He ask to verify my address and it was wrong! it was an address from FIVE years ago, which burned down unfortunately. my address and all my personal info is up to date, including my license, so how hard were these people actually trying to contact me? they filed a claim YEARS ago and then reinstated the claim AFTER the researched my info and found that i was working ( according to this XXXX XXXX ). so, if you can research whether or not i have an income, why couldnt they research my CURRENT info to avoid all of this? so in attempt to resolve this issue, i asked what my options were ; XXXX then said i could pay {$500.00} now and make payments of {$100.00} or something towards the settlement of {$1500.00} they were offering. mind you, this credit card had a credit limit of {$300.00} according to this XXXX person and TWELVE YEARS LATER its at over $ XXXX. When i told XXXX that i couldnt possibly pay XXXX up front he asked when i could make the payment. i was honest and said probably not until the end of this month ( XXXX ) or beginning of next month, as i am not rich and can not shell out XXXX in the blink of an eye. his response? " NEXT MONTH?! YOU DONT GET PAID AGAIN? ". i told him of course i do but unfortunately i have other responsibilities and i cant just abandon them to please you. oh! and even better, he kept saying " i dont have to help you '' almost like he was doing me a favor on something I HAD NO IDEA ABOUT! in the end i asked how i could get in contact with HSBC and the XXXX then said " IN COURT! Ill get you served, good luck '' and HUNG UP! it is absolutely ridiculous for this company to be threatening to garnish my wages, etc when this said account is TWELVE YEARS OLD, they have inaccurate info on how to contact me AND demand that i pay XXXX out front. had this company contact me sooner and not TWELVE YEARS LATER i would've been happy to settle the debt but they are looking real desperate to be coming after someone TWELVE YEARS LATER with this garbage and threatening people to get their way.
Company Response: Closed with explanation

Timely Response

2019-05-07

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-06

Nyc, NY

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I recently moved all my cash from my checking account in HSBC and emailed my banking representative to close the account at HSBC. HSBC did not respond but instead charged me an account fee. I contacted HSBC and they refused to close my account due to the balance. By doing this, they failed to act upon my request for closing account and unfairly demand a fee.
Company Response: Closed with explanation

Timely Response

2019-05-06

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/XXXX there was a bank fraud in my HSBC accounts, in the amount of {$110000.00}, since that date I made multiple claims both personal and by mail and it was XX/XX/XXXX that I got in response of Mrs. XXXX XXXX, that within a period of 10 working days I would receive an answer if you have any questions, please contact Mr. XXXX XXXX, I have sent several communications and the last one I answered was on XX/XX/XXXX, " Dear XXXX XXXX, I appreciate your patience as I continue my review. I dont need anything further from you but do need a little more time to resolve the matter.Sincerely, XXXX XXXX XXXXManager, Executive Office | Customer RelationsXXXX XXXX XXXX - XXXX XXXX, NY XXXXwhere I indicated that it would give more time, despite the fact that I wrote after that date, I do not get any response, I have not received an answer to my complaint until today and it does not meet my requirements
Company Response: Closed with explanation

Timely Response

2019-05-06

PA

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Complaint: I continually receive a phone call stating that " this is XXXX XXXX and I need to discuss your file. I need to talk to you before I submit your case to the county processor. It is important that I talk to you immediately regarding the file I have received. '' Then the calls started to some friends of mine and the same message was being left on their answering machine and they asked me why they would be calling their house? I don't even know their home phone number. So I call and talk to XXXX XXXX and he informs me its in regard to a credit card that was opened in 2009 and that the balance is over {$3000.00} so how am I going to take care of that today, I relay to him that I have been homeless and am unable to settle that amount and the phone calls need to stop this is an official cease and desist! His remark was " well if your homeless I'm sure you didn't go to law school so you don't know what your talking about. How are you going to settle this debt. '' Furious I just stated " i'm not! '' I was so mad at his comment that is the only thing I could say. " He said " if your refusing to pay then let it be on your head '' and hung up the phone. Circumstances exist that place all types of people in homeless situations. Degrading my living situation is not an acceptable way of trying to collect a debt.
Company Response: Closed with explanation

Timely Response

2019-05-06

Overland, KS

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

2019-05-04

Hamilton Grange, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-05-04

CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: I opened a checking account with HSBC and deposited {$1500.00} on XX/XX/2018. I was taking part in a promotion that gave a bonus of {$200.00} if I kept a balance of at least {$1500.00} for 90 days. The bonus was to be deposited into my account 4-8 weeks after the 90 days. It has been more than 8 weeks, and I was told today via phone and chat that it would be another 4 weeks due to a technical glitch. This is not acceptable to me, but I was told nothing could be done about it. I would like the bonus to be deposited to my account immediately.
Company Response: Closed with monetary relief

Timely Response

2019-05-02

San Gabriel, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: XXXX XXXX levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a XXXX and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX/ XXXX who charged off the debt in XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to XXXX XXXX in XXXX for pennies. XXXX XXXX filed a civil suit and never serve me and got a default judgment in XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on. I contact XXXX XXXX and spoke to XXXX XXXX at XXXX-XXXX-XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX/ XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without XXXX XXXX authorizing so I can not my mortgage or buy food or medication I need for my XXXX.
Company Response: Closed with explanation

Timely Response

2019-05-02

Rocky Ridge, MD

Closing your account

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

Can't close your account
Complaint: I am trying to close my account with HSBC and was informed today that the process of account closing is done entirely without documentation -- it is done verbally, over the phone. This is incredibly bizarre to me. I asked for any kind of documentation for my own records about closing the account and was told there is none. That is really shady, even for HSBC.
Company Response: Closed with explanation

Timely Response

2019-05-02

Auburn, NJ

False statements or representation

Debt collection: Mortgage debt

Impersonated attorney, law enforcement, or government official
Complaint: This is in response to XXXX XXXX XXXX , XXXX. ( XXXX ) CFPB response to complaint XXXX, dated XX/XX/XXXX. I have several issues/concerns with this response. 1- XXXX never addressed the illegal trespassing on private property. 2- XXXX XXXX alleged validation of debt is unacceptable. XXXX is a servicer and/or debt collector. XXXX is not the alleged note holder and has yet to provide any documentation from the alleged note holder providing proof of their security interest ; i.e. assignment documentation. 3- In the XXXX XXXX XXXX XXXX ( XXXX ) provided in the response by XXXX , an " out building '' was used in the assessment. This building is not even on the property of the subject property that was being assessed. Not to mention the entire XXXX is based on the wrong property as described in the mortgage documents. XXXX continues to inflate the price of subject property in a fraudulent manner. 4- XXXX XXXX XXXX states the subject property has an estimated value of {$100000.00}, yet they forced placed insurance on the property in the amount of {$230000.00} in coverage from XXXX XXXX XXXX XXXX as XXXX XXXXXXXX XXXX , XXXX. named as the first insured ( Policy # XXXX ). This is not only unethical, it's illegal. 5XXXX On XX/XX/XXXX, XXXX stated they provided me a copy of all origination related documents pertaining to account # XXXX. This was false and a misrepresentation of the facts. The documents included : Customer Application, Loan Agreement Including Truth-in-Lending Disclosure, Notice of Right to Cancel, Recorded Mortgage, Good Faith Estimate, HUD Settlement Statement, Servicing Transfer Disclosure Statement, Hazard Insurance Disclosure, Waiver of Escrow and Origination Appraisal. However, in XXXX XXXX XX/XX/XXXX response they included a document entitled " Arbitration Rider '' as part of the alleged loan documents. I have never seen this document and XXXX has never provided it to me as a result of my numerous inquiries. As a result, I would like XXXX to explain why it was not sent with the documents requested and provide a copy of the document and any other document ( s ) they neglected to send me in their XX/XX/XXXX correspondence. Either the document does not exist and XXXX fabricated it, or XXXX has once again been negligent in performing their duties. Please advise, I continue to assert XXXX continues to act in a fraudulent manner and misrepresents their legal abilities as a servicer/debt collector.
Company Response: Closed with explanation

Timely Response

2019-05-02

Macungie, PA

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-05-01

Yonkers, 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

2019-05-01

NC

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: I received a fraudulent charge on my HSBC credit card in XX/XX/XXXX. I signed an affidavit saying that the charge was fraudulent. 3 months later I get a letter saying the claim was denied. Although the whole time theyve been racking up the fees and decreasing my credit score. The original charge was for {$79.00}, my bill including late fee is now about double that and my credit score has decreased over 100 points.
Company Response: Closed with explanation

Timely Response

2019-05-01

Brooklyn, NY

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
Company Response: Closed with explanation

Timely Response

2019-05-01

Warren, RI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: The company should have closed the account as request in XX/XX/2018 after the {$5700.00} payment. This was because the authorized purchaser on the account, XXXX XXXX, was in a nursing home, her card was missing and because of that I did not want any more charges on the account. This situation was explained when I closed the other accounts with HSBC as well. Instead the company allowed charges and let interest accrue then charged late fees and more interest. I have tried to settle this matter several times with HSBC and each time, they provide misleading information and refuse to acknowledge receiving the notification I detail above. Yet, in XX/XX/2018, they contacted me to tell me of suspicious charges, which I confirmed and again asked why the account was still open. Currently they are doing this with a debit card on a checking account with XXXX XXXX as a co-owner that I have asked them to shut down several times and they have ignored my request. I have asked them to cancel that debit card, just as I asked them to close this master card account and my requests get ignored and then HSBC refuses to do anything to correct the situation and the now useless CFPB will not do anything so I was advised by the House Government XXXX XXXX XXXX to continue filing until CFPB starts doing its job and banks start complying so I am filing again and hopefully either the CFPB will do its job or the House will make them do their job. Each of these complaints with nonsense responses goes to the House XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-05-01

Brooklyn, NY

Fraud or scam

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Complaint: I applied for a XXXX XXXX position at the company XXXX XXXX on XXXX. I was contacted a few days later with a scheduled interview. It was an online interview for 30 minutes. I was supposedly selected then a few days later I was sent a check to purchase office equipment for my home. I went to my bank on XX/XX/19 and asked the teller " do you think this is legit? because I am not familiar with positions like this ''. I was told that if the check goes in my account it should be good to go. XXXX contacted me and asked if I was ready, I said no because the money isn't in my account and they said it should be there by tomorrow the latest. I checked and it was there so I thought everything was legit. My next step was to go to my bank and get a cashiers check and take that check to XXXX XXXX XXXX. I explained the situation again " does this seem secure because I am not familiar with this kind of business '' but I didn't receive any warning. I did all this by XXXX on XX/XX/19. The people were suppose to deliver the equipment to me by XXXX. Something told me to check my account. I checked, the funds from the check was gone along with that same amount from my bank account. I called my bank, they told me to go to XXXX XXXX XXXX and stop the check. I got there at XXXX and told them to please stop the check, something is wrong with this transaction. The lady at the branch told me that it was already scanned. Now here I am. I have been trying to get to the bottom of this with XXXX XXXX XXXX, they sent me a few forms to get signed by my bank ( HSBC ) but they keep telling me that they can't sign anything. I am trying to get to the next step with this issue but my bank is not assisting me so now am trying to see what I can do to resolve this issue.
Company Response: Closed with explanation

Timely Response