HSBC NORTH AMERICA HOLDINGS INC

2019-04-30

Miami, FL

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-04-30

Buena Park, CA

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-04-30

Las Vegas, NV

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: After being in XXXX for a whole year I came back to discover that some credit cards had been open in my name without my consent or knowledge. I sent paperwork to each credit company and each one has been very good except for XXXX. They still have one fraud account left which is hurting me very much. My bank ( XXXX XXXX ) has recently closed a line of credit worth {$25000.00} and I am sure this one bad account has something to do with it, so I really need XXXX to clear this last fraud item from my report please!
Company Response: Closed with explanation

Timely Response

2019-04-30

NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I have been trying to obtain a mortgage and I was informed of an account that is shown as charged and closed with an outstanding balance. I immediately called HSBC regarding this and I was informed by them that I am not authorized to speak to them because I am only and authorized user on the account and not the account holder. When the account holder called and asked that something in writing be sent to me to show I am not responsible for the payments, she was then informed that nothing can be sent with my name on it because I am again " just an authorized user '' HSBC has messed with my credit regarding this account and had done nothing to help fix it. It was never even reported to my credit report that the account has been paid off. I asked to speak to a manager regarding this on going issue and was told he was not available and left my number for them to call and never received call back. This has taken place over multiple days within the last few weeks. The last call that was made to HSBC wad on XX/XX/2019 and I believe another call was also made in XX/XX/2019. I believe there was also another called made but do not recall the date. The only thing this company has done is send a letter to ny mother who is the account holder saying the balance is XXXX however there's nothing on it to show I am not responsible for the payments but it is still reflecting on my credit report. The company said they would bullseye it however I see no reflection of this. The company has made me liable for this and it has now injured me!
Company Response: Closed with explanation

Timely Response

2019-04-29

Centuck, NY

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-29

Lewisville, TX

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-04-29

San Diego, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I received an official looking email supposedly from HSBC Bank, see below. I have a credit card from this bank, but it has never been used, and the phone numbers given in this email do not work, they appear to be those of a collection or or legal firm, but there is no answer. Further, there are typos such as the part that reads, if you do NOT have an account, then it instructs to log in anyway and select various Accept buttons and Make Payment. I tried to contact the bank, but their security concerns number requires that I give them my social security number. This has to be some kind of hacked bank or site. I've never used this card, I've never received any statements from this company, there is no balance on this card, and none of this adds up : HSBC Dear [ my name was here ], We're writing to let you know the minimum payment for the Credit Card ending in [ XXXX ] is past due. If you recently made the payment, thank you. If not, please make the payment as soon as possible using any of the following methods : Make your payment online if you're registered for Personal Internet Banking. Click here to log on and take one of the following actions : If you have an HSBC checking or savings account, click 'Move money ' to make a payment. If you don't have an HSBC checking or savings account, click 'View details ', then 'Accept and proceed ', click 'Payments ', and then 'Make a Payment '. Make your payment by mail : HSBC Bank USA, N.A. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Make your payment by phone : Call us toll free at XXXX or collect at XXXX. Monday : XXXX ET Tuesday, Wednesday, Thursday : XXXX ET Friday : XXXX ET Saturday : XXXX ET Sunday : XXXX ET Thank you for choosing HSBC. Sincerely, XXXX XXXX Head of Customer Experience HSBC This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. If you've already made your payment, please disregard this message. XXXX EMAIL SECURITY INFORMATION Email intended for : XXXX For your account ending in : XXXX You received this email notification because you have enrolled in an HSBC product or service. ACCOUNT-RELATED QUESTIONS Please do not reply to this email as the message was sent from an address that is not monitored. If you wish to submit an account-related question electronically, please contact us online through Chat or call our Customer Relationship Center at XXXX ( XXXX ) or call collect from anywhere in the world at +XXXX XXXX. The source of this email alert notice is HSBC Bank USA, N.A. HSBC is located at XXXX XXXX XXXX, XXXX, NY XXXX. Our postal address : HSBC Bank USA, N.A. XXXX XXXXXXXX XXXX XXXX, NY XXXX We maintain strict security standards and procedures to prevent unauthorized access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your Username, Password, or account numbers. If you receive such a request, please call our Customer Relationship Center at XXXX ( XXXX ) or call collect from anywhere in the world at +XXXX XXXX. Privacy | Security | Terms & Conditions | HSBC Accessibility Issued by HSBC Bank USA, N.A. Member FDIC. HSBC Bank USA, N.A. 2019. All rights reserved.
Company Response: Closed with explanation

Timely Response

2019-04-28

Knickerbocker, NY

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-04-28

Alexandria, VA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-04-26

Hartford, CT

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2019-04-26

Cranberry Township, PA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-25

Yonkers, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-04-25

Unable to get your credit report or credit score

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response

2019-04-25

Magnolia, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: XX/XX/19 Received a call from XXXX XXXX with XX/XX/XXXX XXXX stating my file was being turned over to legal and they were calling to see if they could mediate the file before it was turned into law enforcement. I fell for the scam, gave them my credit card information to start making monthly payments against the debt. Paid first payment and then was notified by bank that my identity was compromised. I tried researching the company and found nothing but scam complaints against them. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2019-04-24

Canal Whchstr, OH

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-24

Shiloh, PA

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

2019-04-24

Eastchester, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-24

Anaheim, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Opened an account with HSBC advance on XXXX with a promise of a welcome bonus after 8.wks. I called after XXXX when the 10K was deposited to make sure it was set up correctly to get bonus & was told it was. Called after the 8 wks and was told that they had another 90 days until they had to add the bonus. Did online chat and was told it would be added soon. Online chat again XXXX and was told they would open a inquiry. Sent a email Sent XXXX XXXX Dear XXXX XXXX XXXX Thank you for contacting HSBC BANK USA XXXX NA We understand your inquiry and apologize for the inconvenience. Upon reviewing your account details, we are showing our Campaign and Promotion Team has been made aware of the promotional bonus. A case was opened on XX/XX/XXXX. Once a response has been documented on your account, you should receive a email. If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat. For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved. In regard to your promotional query ( KM XX/XX/XXXX Dear XXXX XXXX : We are writing you in regard to your promotional query.We wanted to advise that we have sent a request to our Area Manager to provide approval for the {$400.00} promotion. Please allow three to five business days for this approval to occur. Once the approval occurs, we will reach out to you to provide this information. We appreciate your patience while we work on this for you. If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat. For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved. Called XXXX. Nothing can be done The account # is XXXX
Company Response: Closed with explanation

Timely Response

2019-04-24

Leeton, UT

Fees or interest

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

Problem with fees
Complaint: XXXX bank was taken over by XXXX XXXX bank. At the time they told me nothing would change for me, the 2 accounts would be joined. So I could continue payment on my XXXX thinking even paid up, the payments applied to my XXXX XXXX card. Well about a week ago I realized that those payments to XXXX bank which was an affiliate of XXXX were never applied to my XXXX XXXX card. That card ending in account # XXXX with XXXX bank XXXX has been receiving payments since XX/XX/2017 for {$50.00} /Month. I have proof of that trough my 2+ years of bank statements. I have contacted both XXXX and XXXX XXXX, neither was willing to help me in this matter since they could not find my account number. All this was paid through my bill pay with XXXX bank.
Company Response: Closed with explanation

Timely Response

2019-04-23

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-23

MI

Struggling to pay mortgage

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

Complaint: I have a XXXX mortgage on my home at XXXX XXXX, XXXX, MI XXXX. I filed for bankruptcy and was granted relief in XXXX of XXXX. The loan was sold by XXXX to XXXX XXXX in XXXX I believe because articles state all mortgages where sold to them. I havent been able to contact either company and I have no information on resolve the outstanding balance. The XXXX mortgage ( home equity loan ) account number is XXXX. I am in the process of settling all the mortgages on the home so I can save it.
Company Response: Closed with explanation

Timely Response

2019-04-22

Midvale, NJ

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

2019-04-22

Garrett Park, MD

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-04-22

Big Canoe, GA

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-04-22

New York, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response