HSBC NORTH AMERICA HOLDINGS INC
Consumer Complaints
There are over 9237 complaints on file for HSBC NORTH AMERICA HOLDINGS INC. Dated between 2019-12-16 and 2011-12-01.
Complaints Page 23
2019-03-29
Independence, KY
Closing an account
Checking or savings account: Savings account
Funds not received from closed account
Company Response: Closed with explanation
2019-03-29
Berthoud, CO
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: When trying to pay my rent online, I discovered that both my Debit and Credit cards have been blocked by HSBC bank, with no explanation, despite my account having adequate funds available. I spent all day calling the HSBC fraud department, but they just keep putting me on hold, until finally they went home for the day. If I do not get my card unblocked and pay my rent by tomorrow, I will be fined late fees, for which I think HSBC should be held liable.
Company Response: Closed with explanation
2019-03-29
WI
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: Complaint, Resolution needed Consumer of : HSBC, XXXX XXXX XXXX., New York, NY XXXX Good Afternoon : After a very cumbersome account set-up process, over the course of several weeks, including endless codes and security measures resulting only in a loss of my time, HSBC has now blocked my account online and is using " security '' as justification for terribly deficient service. And the account is anything but secure. On XXXX, I was finally able to access my account online. While I was in the system, I changed my address. It was not critical, as I elected online access, but when we move we change our addresses. On XXXX, I received an email with a verification code and was asked to call. I did and eventually was able to provide this to the representative. He then abruptly moved the " goal post '' asking if he could call me back to verify. The code was unusual, this was more unusual. I gave him my new phone number, entered into the system by me, computer addresses are recognized now, the night before. He returned my call only to tell me he would have to send verification to my old phone number or, as I learned, there is a phone number ending in XXXX in the system -- not mine or one I have any knowledge of whatsoever. What happened to the security code? I later talked with his supervisor who went into an interesting explanation of address verification via credit reports -- as if we check in with credit bureaus before changing addresses. To date, HSBC will not change my phone number or address and claims that they can only verify the address change using a phone number that is no longer mine or the one that was never mine ( ending XXXX ). Today, they continue to completely block me from my account. I see online that people are withdrawing their money from the new accounts without the promised promotion -- and I'm sure the withdrawal is no easy task. I need your help resolving but I do hope you will also keep in mind that they may well be leveraging government " money laundering '' concerns to hang on to assets, that I can't see, and as a distraction to paying promised promotional monies ( my exasperated neighbor was told that they would not be receiving a {$400.00} promotion because of some obscure problem with the online application ).
Thank you for assistance, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Company Response: Closed with explanation
2019-03-29
TX
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: I got a promotion offer to open a new checking account with HSBC in XXXX, 2018. I have met all requirements of the offer for more than 6 months. I have contacted HSBC more than 5 times for the {$350.00} promotion but no any response has been provided to date. Therefore, I am filing the complaint to request HSBC honor its promotion offer.
Company Response: Closed with explanation
2019-03-28
Carson, CA
Opening an account
Checking or savings account: Checking account
Unable to open an account
Company Response: Closed with explanation
2019-03-28
Cumming, GA
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation
2019-03-28
Manhattan, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2019-03-27
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-03-26
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with explanation
2019-03-26
DC
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: HSBC advertised {$750.00} sign on bonus after depositing {$100000.00}. I confirmed this offer with them in XXXX ( see attached ) and I completed the requirement on XX/XX/2018. Now it's been over half a year and I still haven't received the sign on offer. I attempted to contact them but now they say they can't find this offer ( see attached ). They have been very slow in responses and I've tried to contact them multiple times. Please let me know if you need more information.
Company Response: Closed with explanation
2019-03-25
Bremen, GA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: i requested a {$2300.00}, 0 % balance transfer from my HSBC account a discover car on XX/XX/2019 which was charged to my account along with a {$92.00} transfer fee which i knew about and was ok with. on XX/XX/2019 i was charged a finance charge which was strange since i made a 0 % transfer balance. I contacted the bank and they credit my account. 3 weeks went by and transfer to my XXXX card had not been made so i called the bank and they told me to wait another week which i thought was a brush off job since it usually takes 4 to 7 days for transfers to go through. Nothing happened after a week so on XX/XX/2019 I filed a dispute online which was never confirmed by email and did not show on the account. I called the bank on XX/XX/2019 and was on eternal hold and someone picked up and said they had to transfer me to another department and there was more hold time. I spoke to someone who read the notes on my account and told me the dispute was in the works and I should received a letter in the mail within 7 to 10 business day and have the {$2300.00} plus the {$92.00} fee credited to my account, which has not happened yet. Yesterday i checked my account and saw that {$35.00} finance charged posted to my account on XX/XX/2019. These people are the worst. I want them to credit everything back to my account and store it to its original 0 balance before the balance transfer. Please stop them from doing business in the US. I shredded their credit car.
Company Response: Closed with explanation
2019-03-25
Euclid, OH
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 was travelling in XXXX, XXXX in XX/XX/2019. I lost my HSBC cash rewards master card when I was in XXXX. After I came back to the US from XXXX, I found out an unauthorized transaction of {$2200.00} happened on XX/XX/XXXX and I realized that I either lost my card or someone took it from me. I reported the situation to HSBC and hoped that they might be able to help me resolving the issue. But they denied my request. They are not being helpful and useful during the whole process. Please help me with this problem.
Company Response: Closed with explanation
2019-03-22
Bealeton, VA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2019-03-22
Arden, NV
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
2019-03-22
Greenwood, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: This is the letter I faxed to the bank with various attachments, not included here.
Hello, I am faxing these materials to you to dispute what is on my credit report. I applied for a credit card from HSBC in XX/XX/2018. They approved my request immediately and sent me the card in the mail promptly. I was going to use it for the holidays.
Thats when the trouble started. I set up the online access, installed the app on my phone and found that I couldnt use the card because there was some sort of hold that required me to speak to security. I started calling to speak to security and couldnt get through after being on hold for more than an hour. I repeated. And repeated. And repeated. I spoke to the chat person multiple times asking for numbers to get through to security. The hold times extended to multiple hours and went on day after day.
I started calling on my one hour commute to work and kept myself on hold the entire time, then I brought my phone charger to work and stayed on hold for at least 3-4 hours and kept my phone plugged in. I carefully tracked the security open and closed hours and tried to call right at opening or right before closing. Nothing. Always on hold.
I was probably on hold for more than 50 hours before I gave up. This went on for at least two weeks. I looked up new numbers on the Internet. I begged the customer service people in the other departments to connect me to security. No matter how I tried to get to security I ended up in the black hole of background hold music. My hopes to use this card for the holidays disappeared.
Then, I got annoyed. It occurred to me that even if I could actually use this card, if it were stolen or lost, I could never reach security. I looked up consumer reviews for your customer service and found they were dismal. I was not alone. This was happening to scores of people. I decided I didnt want this annoyance in my life. I called a customer service person and requested that they cancel my card. That took a while but it was eventually accomplished. The account is closed.
I am calling because the process of applying for your credit card caused an inquiry on my credit report. And now there is a new account listed as well, albeit closed. This is absolutely unreasonable and improper when you advertise a card that someone applies for and then you make it impossible for them to use the card.
I did everything I was supposed to do. I allowed the credit inquiry assuming I would have something to show for it. All I had to show for it was aggravation. No ability to use a credit card. I never got through to security to unblock my card. I have no idea why it was blocked from the start regardless. My credit is excellent. There are no issues.
I request that you contact the credit agencies and that the credit inquiry and the HSBC account be deleted from my credit reports. I made a dispute with Equifax, they referred me back to you. I called the number they supplied on their response and that person referred me to a supervisor in the customer service area. I spoke to her and she referred me to your department and asked me to fax this information.
HSBC Account : I was approved by letter on XX/XX/2018. I received a letter affirming the account was closed on XX/XX/2018.
If you would like me to supply my cell phone logs to support how many times I called your organization, I am happy to do that. If you would like copies of multiple review sites about credit cards that state that this is a well-known issue affecting many people, I am happy to send copies of those as well.
Please get the credit inquiry and any evidence of your account off my credit reports.
Thank you,
Company Response: Closed with explanation
2019-03-21
Merrick, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2019-03-21
Elsmere, DE
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2019-03-21
Hinkley, CA
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/19 I recieved a phone call from the XXXX XXXX claiming to be mediators. The first rep I spoke with was very rude and hung up after I started to say I have no intentions of paying this, but hung up before I could finish my sentence which would have finished with I have no intentions of paying this at this time. I called back and spoke to another rep who kept claiming I was digging myself into a bigger hole because this is a recorded line and threatened to call me at work and even at church. This is unacceptable. Both reps continued to interrupt and threatened to start the hearing process. Both times they claimed to NOT be debt collectors, but meditation between the client and myself.
Company Response: Closed with explanation
2019-03-20
Detroit, MI
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: XXXX XXXX XXXX XXXX is saying that I owe XXXX for HSBC Bank and I never used this company before. They sent me a letter stating that I will be subpoenaed on XX/XX/2019.
Company Response: Closed with explanation
2019-03-19
Denton, TX
Closing an account
Checking or savings account: Other banking product or service
Can't close your account
Company Response: Closed with explanation
2019-03-19
CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: You have been advised repeatedly to stop your attempts to collect an invalid debt to the name of XXXX XXXX account number : XXXX. This debt is not valid and was not accrued by XXXX XXXX. A police incident number has been issued by the police department in XXXX XXXX CA for this incident and the theft of identity has ben reported to the FTC. I repeat STOP all attempts to collect this debt, I am tired to repeating myself STOP TRYING TO COLLECT THIS DEBT. We have retained a lawyer and will be proceeding further with legal action for unlawful collection if all attempts don't seize immediately. A monkey could do the investigation to see that the money was siphoned through bogus accounts by individuals in a different part of the world with no relation to XXXX XXXX. I'm chocking on my own spit here ; HSBC get your act together no wonder you are at the center of all illicit money laundering activities. Get out of here.
Company Response: Closed with explanation
2019-03-19
Leeton, UT
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: This issue that I am writing the CFPB about concerns a Balance transfer upon opening a revolving line of credit with the financial institution HSBC.
HSBC supplied checks for the purpose of balance transfers and other purchase options. I filled out a check for a balance transfer on XX/XX/2018. Said check posted to my new HSBC account on XX/XX/XXXX.
I checked the balance of the account that the check was intended to cover and found that the balance had not yet reflected as paid. I called the institution and inquired as to why my account was not reflecting the XXXX balance as it should and they informed me that they had not received a check. Maybe they had not applied it to the correct account? They requested that I supply a check # and routing info and they would check.
I contacted HSBC to acquire the information requested of the other financial institution. After more than one call asking for this information I finally received a copy of the check.
The issue at hand is that after confirming that my previous financial institution did not receive the check, and confirming that the address was indeed correct for the location at which they should have received said check. They admitted that I was the victim of fraud and that I should dispute the transaction.
Here is the problem that I need direction on. HSBC says that there procedure for this concern is that I am to walk into a Brick and Mortar location and fill out an affidavit and then they will reverse the transaction making me whole again.
Unfortunately the closest physical branch is in XXXX XXXX California and I live in XXXX XXXX XXXX Utah.
On multiple occasions I tried to escalate my issue up the management chain to find an optional method for resolution. After speaking with multiple representatives that obviously work in a call center based in another country with very thick accents repeatedly telling me to walk into a branch location and then promptly hanging up on me I am reaching out to the CFPB to get some further assistance with customer service options.
I even tried to call Physical branch locations to speak with a US based banking representative, Unfortunately all branch locations local U.S. # 's direct you right back to the call center to route or screen your concerns.
I am now on the hook for {$2500.00} dollars twice. This is not acceptable and I would like a fair resolution outside of obtaining legal representation.
Company Response: Closed with explanation
2019-03-19
CA
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Deposits or withdrawals
Complaint: Complaint re HSBC branch address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear CFPB Supervisor : I am writing to report an on-going retaliation from HSBC against me for filing a complaint about HSBCs local XXXX XXXX branch manager to CFPB. ( Complaint # XXXX ) On Friday, XX/XX/2019, I received a shocking voice message from the same HSBC local branch, that they will close my account. They ordered me to provide a utility bill to prove my address ; or else. I explained to HSBC representatives that I did not have a utility bill, since I live with a partner and have never paid for utility. ( Follow-up # XXXX ) I fully cooperated and offered other reasonable proof, e.g., DMV registration ; tax records ; paycheck documentation ; or an affidavit under penalty of perjury ( from me and my partner, confirming my address ). Additionally, I even offered to add my name to the utility bill for the sake of HSBCs utility bill request.
HSBC rejected all of the above last week. Worse, now they even added MORE RESTRICTION. Now, HSBC would only accept proofs dated within the last 60 days.
This latest requirement was added AFTER I contacted HSBC multiple times last week and discussed ways I could meet their proof. Once they learned from me what available documentations I have, HSBC specifically created a new hurdle to overcome : last 60-day correspondence requirement.
I spoke to HBSC customer service representative, XXXX, on XX/XX/2019, to explain why HSBCs latest requirement was excessive and unduly burdensomeespecially in light of the available options that could be provided HSBC as proof.
In XXXX, I originally came to HSBC because of a special program they offered : a {$370.00} bonus plus {$100.00} referral to open a checking/savings account. I deposited {$10000.00} usd. I also opened a {$100000.00} certificate of deposit ( CD ) for one year, earning 2.5 % monthly interest. I was NEVER advised of these extreme proofs at the time of enrollmentotherwise, I and my friend would never have joined HSBC, and suffer these on-going cruel tactics.
It has become very clear to me and my family that HSBC is trying to close my account as a way to cut off any responsibility for the grievances I submitted to the CFPB. I have spent countless hours to resolve their sudden request -- as they kept moving the goal posts. Prior to this, I suffered even more aggravations from the branch manager, XXXX XXXX, for his mishandling of my account, subjecting it to a heavy hit credit check.
I urge CFPB to stop retaliation from HSBC directed at me and advise HSBC to accept reasonable forms of I have offered. These proofs have been customary forms of accepted documentations by numerous institutions.
If HSBC forcibly closes my account, then the fair resolution would be to compensate me for the bonus {$470.00} dollars and annual 2.5 % CD interests that I would have accrued had my account been left in peace.
Please feel free to contact me with any questions.
Company Response: Closed with explanation
2019-03-19
Chicago, IL
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: I opened an HSBC Choice Checking account in XX/XX/2018. According to the terms for the account, HSBC is required to pay me a welcome bonus of {$200.00} after I keep a minimum balance of {$1500.00} for 90 days starting within 30 from account opening. Even though I did meet this criterion, HSBC has not credited my account with the welcome bonus.
Upon inquiry, I was told ( via chat ) that I do not qualify for the bonus due to having had a " banking relationship '' with HSBC during the year before the checking account was opened.
However, according to the terms for the account, only a prior " HSBC consumer deposit or investment account '' would disqualify me. I have never had such an account before the one on question. If HSBC claims that I had a prior " banking relationship '' with HSBC, this can only refer to my HSBC credit card, which I do indeed have. But a credit card is not a consumer deposit or investment account.
I tried repeatedly to get HSBC to substantiate its claims that I had a disqualifying consumer deposit or investment account. They never did. My last inquiry via XXXX was never answered, and the last time I tried to get a chat representative to resolve this, he " hung up '' on me.
I am attaching screenshots of the only two responses that I did receive via XXXX. The most recent response promises a follow-up with specifics on the disqualifying account, but the follow-up never came.
Company Response: Closed with explanation
2019-03-19
Staten Island, NY
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation