HSBC NORTH AMERICA HOLDINGS INC

2019-03-18

Oxford, GA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I opened an advanced checking account on XX/XX/2018, and deposited {$10000.00} on XX/XX/2018 in order to meet the new account sign on bonus, it has been half a year since I deposited the money but I havent received any bonus which is {$350.00}, I contacted customer services a couple times, every time they said I am eligible for the bonus but they never send the honus to me, this bank is not reliable!
Company Response: Closed with explanation

Timely Response

2019-03-18

Sandy Hook, CT

Problem when making payments

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

Problem during payment process
Complaint: I wanted to make a payment on my due date of XX/XX/XXXX with my boyfriends checking account and had him with me to verify himself via phone. Many other big credit card companies like XXXX, XXXX XXXX, and XXXX do this. HSBC would not. I spoke with A XXXX XXXX at this time who is a Manager at HSBC explaining I had an issue with my bank and that's why my normal bill pay I could not use. She explained to me as soon as they received the payment she would waive the reversal fee for the inconvenience. On XX/XX/XXXX HSBC called my cell phone that I did not consent for them to call 6 times from XXXX XXXX.- XXXX XXXX. on the XXXX they had called 2 times. I spoke with a Supervisor XXXX at XXXX XXXX on XX/XX/XXXX whom I then told I had sent the payment of {$25.00} thru my banking and they would receive it on or before the XXXX. I told her of XXXX the manager I spoke with and XXXX being a Supervisor had no idea who that was ( she claimed XXXX. XXXX went on to say that XXXX was wrong HSBC would take a {$52.00} payment from me today and I could have my boyfriend verified. I also told her that what they did was harassment and that they were not to call my cell phone. Supervisor XXXX explained to me that I was incorrect it is not in fact harassment and that if I do not comply with allowing HSBC to contact me thru my cell phone that they would in fact have no way to send me any information if I ever have fraudulent activity take place. I rebutted HSBC can contact me via email/mail and she further instructed me they do not do so. She also corrected me that HSBC did not violate my rights abusing the TCPA. I know PACER lists over XXXX lawsuits filed against HSBC in the United States. I would like to know if based on the information I have provided that HSBC violated the TCPA rules and regulations. I have my cell phone records as proof of the phone calls HSBC made relentlessly, to prove my claim. Both conversations I had with XXXX XXXX and Supervisor XXXX were also recorded and monitored for quality assurance purposes.
Company Response: Closed with explanation

Timely Response

2019-03-18

Lewiston, NY

Struggling to pay mortgage

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2019-03-17

Clayton, MO

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: When I signed up for this account I realized I needed to remove money for a short time. I signed up knowing I would get a bonus and when I called the bank they said removing the money for a short period would be fine and I would still get the bonus. Now today they are saying that is not the case. They're saying whatever THEIR rep told me was wrong and that I won't be getting the bonus. Completely unhelpful over chat and refusing to help whatsoever. So not only are they not holding to what the rep told me but they are completely ignoring advertised sign up bonus. Please advise best way to proceed.
Company Response: Closed with explanation

Timely Response

2019-03-17

Sebring, FL

Getting a credit card

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

Application denied
Complaint: HSBC HAS DENIED ME A CREDIT CARD ACCOUNT ( REF # XXXX ) STATING THAT HSBC CAN NOT CONFIRM MY IDENTITY AFTER REVIEWING MY XXXX CREDIT FILE. IT WAS TOLD TO ME BY HSBC THAT A FRAUD OR SECURITY ALERT WAS ON MY XXXX FILE AND THEY NEEDED ME TO CONFIRM THIS. WHEN I CALLED XXXX, XXXX STATED THERE WAS NO FRAUD OR SECUIRTY ALERT ON FILE, YET HSBC STILL DENIED ME CREDIT.
Company Response: Closed with explanation

Timely Response

2019-03-17

South Florida, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: My payment was late about 8 days or so and I have receive repeated calls from them. On Friday, XX/XX/, 2019, I received 4 calls from HSBC Bank Credit Card. On Saturday, XX/XX/2019, I received 5 calls from HSBC. On Sunday, I have received 1 call already. But, its XXXX EST, so I expect to receive additional calls. These calls are for ONE late payment. I have already scheduled the payment online and I am still receiving harassing calls from them. This is ridiculous and absurd. I am reporting HSBCs abuse tactics because their actions rise to a level of harassment.
Company Response: Closed with explanation

Timely Response

2019-03-16

Flushing, NY

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-03-15

Bronx, NY

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2019-03-15

Tarzana, CA

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
Complaint: I am an XXXX practicing in XXXX and XXXX. I was admitted to the XXXX approximately 35 years ago. My experience with HSBC has been singularly unsatisfying. Around the end of last year I read an article in one of the financial magazines which listed the HSBC card as one of the best interest-frees cards available. I am working towards my XXXX XXXX XXXX. I applied for the card because I thought I would put my XXXX expenses on the card until I obtained my license and then pay off the balance before the end of the interest-free period. I applied for the card. I heard nothing so I followed up. I was told that they could not verify my identity so nothing was done. It would have been nice to know. Instead I was never informed. I was told to apply again - which I did. Again, after much time I received an email saying that my application was granted and that a card would be mailed to me. I never received the card and attempted, unsuccessfully, to follow up. I heard nothing until I received a fraud alert on the card. I never received, activated or used the card. I contacted HSBC and filed a fraud claim. I received a letter denying the claim ( for reasons I do not understand ). On the same day I received a letter from HSBC asking me to fill out and return a fraud complaint. I did this and have heard nothing. I canceled the prior card and was issued a replacement with a {$1500.00} credit limit. I have a higher limit when I was 18. Based upon my experience thus far with HSBC I did not activate the card. Last week I received a letter claiming that my application for an increase in the credit limit was denied. I never made this request. As stated, I have the card but never activated it. Yesterday I received a bill from HSBC for the fraudulent charges in the amount of {$1000.00}. Have not contacted HSBC again. Instead I am filing this complaint hoping for a resolution of this matter. By their action I can only assume that HSBC is accusing me of fraud since they apparently do not believe my statements made to them regarding my non-use of the card. This is quite troublesome.
Company Response: Closed with explanation

Timely Response

2019-03-14

Norwalk, CA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-03-13

Brighton, NY

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: HSBC. I, XXXX XXXX, had lost my job in XXXX. Notified the mortgage lender, HSBC, of the matter. I didn't land a job until approximately 3 months later, informed HSBC that I will began making payments in doubles until I was caught up, however, they had told me that there was a new policy stating that the whole past due amount ( totaling appx. 5000.00 dollars ) would need to be paid. Furthermore, no payment smaller than the past due amount would be accepted. At that time, it was winter going into spring, in XXXX New York. Therefore, I was behind in the heat and electricity, the car loan, and owed back payments in child support. There was no way for me to be able to pay the amount that was requested by HSBC. Hence, the house ended up in foreclosure. I could not afford a lawyer, at that time and still can not. After many phone calls, and time passing, the loan that had plagued my life, had been closed. The house was sold in an auction in XX/XX/XXXX of XXXX, according to XXXX XXXX XXXX XXXX ( contact info : XXXX ). Although, on my credit report it shows that the account had been closed on XX/XX/XXXX. I do not understand how they had closed the account on this date when I was still making payments until I was unemployed. To make matters more confusing, this Monday, XX/XX/XXXX, I received a notice via XXXX XXXX stating that I owe HSBC a past balance of {$120000.00} dollars, yet the loan was for {$55000.00}. Even more confusing is that it states that I made a payment on XX/XX/XXXX. I WAS LIVING IN XXXX!!!!!!!! THE HOUSE WAS SOLD ALMOST A YEAR BEFORE THEN!!! WHICH, I HAD NO PRIOR INFORMATION ABOUT!!!!! I called HSBC ( contact info : HSBC BANK USA NA CREDIT INFORMATION DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) looking for more info on the matter and they had directed me to XXXX XXXX XXXX XXXX. No one had given me any information proving to me that I owe the amount, yet there is still another account on my credit report showing that I do not owe HSBC anything. I will print a copy of the report and send it to your mailing address along with a copy of this complaint.
Company Response: Closed with explanation

Timely Response

2019-03-13

Arlington, TX

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Dear Consumer Protection Personal ; I need your help to solve the HSBC bank issues I have now. My HSBC advancing checking account # XXXX opened on XX/XX/XXXX with promotion for {$350.00} welcome bonus. welcome bonus suppose to come in on XX/XX/XXXX. Nothing happened, no bonus seen. Call on XX/XX/XXXX, XX/XX/XXXX HSBC file number of investigation XXXX XXXX ect. Online chat with HSBC rep. No response or answer from the HSBC so far. Call on XX/XX/XXXX no help at all. I could not get hold of anyone from HSBC bank to get an answer. I wish you could help to solve this issue. Thanks. My phone number XXXX XXXX XXXX My name is XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-13

Auburn, NJ

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: The following is in response to XXXX XXXX XXXX ( XXXX ) response ( XXXX ) dated datedXX/XX/XXXX and Beneficial 's response ( XX/XX/XXXX) dated XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable documentation of XXXX XXXX and Beneficials fraudulent activity and misrepresentation. First, both XXXX and Beneficial assert the property address associated with the alleged note and mortgage as XXXX XXXX, XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX XXXXg, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; and XXXX XXXX XXXX XXXX XXXX, NY XXXX and lastly, XXXX XXXX XXXX XXXX, NY XXXX. XXXX NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX) and XXXX ( XX/XX/XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX ( XXXX ) consisting of approx. .25 acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX ( XX/XX/XXXX). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation XXXX and Beneficial continue to perpetrate. XXXX ( AKA XXXX XXXX XXXX XXXX ), Beneficial, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has Beneficial misrepresented the facts when they sold the alleged note and mortgage to DJL, XXXX continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX and XXXX defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.
Company Response: Closed with explanation

Timely Response

2019-03-12

Manhattan, NY

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-03-12

Fisher Island, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-03-12

Lemon Grove, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-03-12

Ny City, NY

Getting a credit card

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

Delay in processing application
Company Response: Closed with explanation

Timely Response

2019-03-12

Wallington, NJ

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I was called today by a person claiming to be from this bank! There is no reason for notbwriting to me! I consider this telephone call an annoyance at best and harassment at worst!
Company Response: Closed with explanation

Timely Response

2019-03-12

Burlingame, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: - XX/XX/XXXX : Applied for HSBC Premier Checking account with the promotion to earn {$750.00} bonus by depositing $ XXXX and keep for 90 days. The terms stipulates the $ XXXX can be a combined balance of checking/saving/investment balance - XX/XX/XXXX : HSBC Premier Checking account approved. - XX/XX/XXXX : HSBC Direct Saving account opened - XX/XX/XXXX : Deposited $ XXXX into Premier checking account - XX/XX/XXXX : Transffered $ XXXX from checking account to saving account - XX/XX/XXXX : 90 days requirement has been met, but no bonus amount has been posted - XX/XX/XXXX : Checking account no longer appears online. Did online chat with HSBC agent, and was told the account was closed by the bank for {$0.00} balance. I inquired about the {$750.00} bonus as I have met all the terms required. Agent responded that since the checking account got closed, they will not provide the {$750.00} bonus. - Also called them on the phone, and was again told there is nothing they could do. - The terms of the promotion only specified that the combined balance of checking/saving/investment need to be $ XXXX or more for 90 days, which was clearly met. The bank can not simply close my checking account and refuse to pay me the {$750.00} bonus originally promised
Company Response: Closed with monetary relief

Timely Response

2019-03-12

CA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Complaint: RE : Follow-up Complaint against HSBC and branch manager, XXXX XXXX HSBC branch address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear CFPB Supervisor : Since I filed my complaint against HSBC bank last month, I am now experiencing harassing and vicious retaliatory actions directed at me by HSBC, led by its branch manager XXXX XXXX. I was shocked when HSBC threatened to " close ( my ) account '' and demanded that I provide a " utility bill '' as proof of my address last Friday, ( XX/XX/XXXX ). I told them I did not have such documentation because I live with a partner, and never paid utility. HSBC reiterated again today they would NOT accept any other proof -- except for the exact, precise form they knew I did not have : a utility bill. I cooperated with HSBC by offering to provide them with a variety of options, such as : updated DMV registration ; IRS records ; pay stub ; and other business documents that have customarily been accepted for proof. I even offered an affidavit from my partner -- but to no avail. I have spent countless hours contacting HSBC everyday for " secondary proof '' options. But the local HSBC manager refused to answer. ( Email to XXXX, Friday at XXXX XXXX ). I have also asked ; but was not allowed to speak with the HSBC manager who demanded this unreasonable " proof '' requirement. After two months with this bank, HSBC suddenly wanted to close my accounts. This decision " coincidentally '' came after I filed a complaint with CFPB about HSBC 's unprofessional and unethical practices. It is clear that the REAL reason for HSBC shutting me down is so that they could ignore and dismiss the bad acts and grievances I have submitted to the CFPB about them. Once I am a " Non-customer '' -- my complaints would be ' '' moot points '' and HSBC would no longer need to address their egregious conduct. Even worse, HSBC might try to falsely portray me as a " bad customer '' to undercut my complaint. For the record, I am a XXXX XXXX with a sterling work and high-score credit history. I have never had any civil/criminal violations. I work hard ; and pay my taxes. There is no reason for HSBC to single me out for a specific " utility bill '' -- except to cruelly harass and punish me in retaliation for speaking out. 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 would lose the bonuses and one-year CD interest accrued, totaling approximately {$3400.00}, if HSBC is allowed to deceitfully " close my account. '' This is flagrant customer abuse at its worse -- and it must be stopped. In my lifetime of banking, I have never felt so deliberately mistreated and retaliated against, as I have experienced at HSBC. I also have accounts with XXXX for over a decade, where I am a Platinum member ( top tier ) ; and other big-name banks. No bank has ever created issues and demanded " proof, '' as HSBC has done with me. I am appalled and exhausted by HSBC 's deplorable conduct to " punish '' and silence me. I would be happy to voluntarily close all my accounts, provided that HSBC compensates me for the applicable bonus and 2.5 % accrued interest I would receive, if I had stayed. I urge the CFPB to assist me in resolving this matter as follows : 1 ). Request HSBC to immediately stop their harassment and abusive tactics. 2 ). See offer above : I would close all accounts immediately with the bonus and one-year interests provided to me. XXXX ). If HSBC insists on singling me out and demanding " proof '' -- there need to be reasonable options for " proof '' and reasonable time allotted to answer their demands. I look forward to hearing from you and bringing a fair resolution. Please contact me with any questions. Below is a timeline of latest HSBC incident here : WEDNESDAY, XX/XX/XXXX at about XXXX XXXX- Called HSBC Customer Service to request a ( another ) error be removed from my account. Spoke with XXXX. She said she would notify the local bank manager to correct. FRIDAY, XX/XX/XXXX at XXXX XXXX- Received a voice message from XXXX XXXX XXXX at XXXX XXXX HSBC branch . She said I must contact her and that HSBC " will close your account. '' FRIDAY, at XXXX XXXX- Alarmed and confused, I contacted Ms. XXXX . She requested a utility bill. Informed her I do not have a " utility bill, '' but could provide others. She said she would check. Never heard back from her. FRIDAY, at about XXXX XXXX- ( Total call time : 54 minutes ) Called HSBC Customer Service to inquire. Spoke with XXXX. Asked about other documentations I could provide. XXXX contact Ms. XXXX at the branch while I was on hold on the phone. XXXX said Ms. XXXX told her a DMV registration may work. XXXX suggested that I email the local manager to confirm. FRIDAY, at XXXX XXXX- Sent mail to Ms. XXXX . Asked her if I could submit DMV registration? Never heard back from her. SATURDAY, XX/XX/XXXX, at XXXX XXXX Waited all day, hoping to hear from HSBC local branch ; Never heard back. Called HSBC Customer Service to inquire about other documentations to provide. Spoke with XXXX, operator ID # XXXX. She said will check with the " back office '' and call me Monday. MONDAY, XX/XX/XXXX at XXXX XXXX XXXX called and asked if local branch manager contacted me yet? I told her I never heard back. XXXX said will speak with Ms. XXXX. I asked XXXX to check for alternative documentations? She said will check and call me later. MONDAY, at XXXX XXXX- XXXX said HSBC 's " back office '' would only accept a " utility bill. '' I asked to speak with someone from this " back office. '' XXXX said she was not allowed to let me speak with the " back office. '' I asked XXXX again for second form of " proof. '' XXXX said she would check. Monday, at XXXX XXXX- XXXX told me she had emailed and reminded the branch manager to contact me. Asked XXXX to call me back after she speaks with Ms. XXXX. Never heard back from anyone.
Company Response: Closed with explanation

Timely Response

2019-03-11

Clifton, VA

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-03-11

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-03-11

Delray Beach, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

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

Timely Response

2019-03-11

Clermont, FL

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-03-11

Nyc, NY

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: I went into a branch located at XXXX XXXX XXXX XXXX NY to simply move funds out of my HSBC Savings Account. GIven the sum of the withdrawal I requested a bank check. After 45 minutes of physically being in the branch and speaking to the floor manager who had been speaking with somebody over email ( not sure why not over a phone call ) the bank check was finally approved. They could not print the bank check though because their printer was inoperable. I asked for them to write a check since a broken printer could not simply render a banking institution inoperable. They told me this was not possible. I asked for cash, this was also not possible. I was told by my banking relationship manager ( XXXX XXXX tel XXXX ) that I could go to another branch, come back when this current branch 's printer was working, or they could mail me a check. This is an unacceptable outcome after waiting in the branch for 45 minutes. How can a banking institution not allow a customer to withdraw funds?
Company Response: Closed with explanation

Timely Response