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 25
2019-03-11
Jersey City, NJ
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: I opened the checking account with HSBC and was approved on XX/XX/2018 under the promotion that I would receive a bonus of {$350.00} for depositing and keeping {$10000.00} for 90 days. I deposited the money on XX/XX/18 and have kept the money in it. I have fulfilled the terms and the bank didn't pay out the bonus even 4 months after meeting the terms and requirements.
Company Response: Closed with explanation
2019-03-10
Chicago, IL
Opening an account
Checking or savings account: Checking account
Unable to open an account
Company Response: Closed with explanation
2019-03-09
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 opened a new checking account with HSBC on XX/XX/XXXX in XXXX XXXX, California and funded my account electronically.
On XX/XX/XXXX, fraud charges started posting to my debit card, which I never received nor activated myself, and I was not notified when it was activated.
I received an email from HSBC at XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX, claiming a temporary block has been placed on my card. I tried to ask the reps on the live chat twice to block my card since the number provided in the email does not work due to holiday hours, but nothing happened. The fraudulent charges on the card keeps coming until I called a 24/7 number XXXX XX/XX/XXXX. A total of {$4100.00} was lost.
I tried to submit a fraud investigation on the phone, but the process was not helpful and nothing significant was refunded. I had to talk to my personal banker on XX/XX/XXXX and got HSBC 's investigation team on the phone, but they asked me to file a police report.
I filed the police report on XX/XX/XXXX and have been waiting for almost two months for a response but I have not received any refund from HSBC.
Company Response: Closed with explanation
2019-03-09
Leeton, UT
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, XXXX XXXX XXXX, supposedly acting on behalf of HSBC Bank, Nevada, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you.
Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there.
I have copies of the correspondence sent to both XXXX and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.
Company Response: Closed with explanation
2019-03-08
Staten Island, NY
Problem caused by your funds being low
Checking or savings account: Checking account
Late or other fees
Complaint: I was recently notified ( XX/XX/XXXX) by an employee of HSBC Bank that my checking account has been incurring fees of {$50.00} per month beginning possibly no earlier than XX/XX/XXXX.
After complaining, the bank agreed to reverse 3 months of such fees. This leaves {$200.00} of my funds in the hands of the bank.
The account from which the fees were taken was a zero interest checking account. The bank states that I should have reviewed my bank statements, which I did, but I did not see the charges. The bank stated that they alerted me that the fees would start in an email which I never saw.
The bank also stated that I can open an account without any fees but that requires a lower balance to not incur fees, this I did at least until the fee issue is resolved.
I have had the checking account open since XX/XX/XXXX and was never previously charged a fee.
Company Response: Closed with explanation
2019-03-08
Hamden, CT
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation
2019-03-08
Houston, TX
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2019-03-08
East Windsor, NJ
Money was not available when promised
Money transfer, virtual currency, or money service: International money transfer
Complaint: I transferred {$5000.00} via HSBC branch located in XXXX NJ into an XXXX Companys XXXX XXXX checking account on XX/XX/2019. XXXX XXXX requested XXXX information from HSBC and which was never provided. I requested return of funds on XX/XX/2019 from HSBC. I am still waiting for the funds. XXXX XXXX has not received any request from HSBC for the return of these funds. I can not speak to the wire department directly nor I am given any update on where HSBC stand in recovering my funds. I need help in recovering my money that XXXX and XXXX XXXX owe me.
Company Response: Closed with explanation
2019-03-08
Burbank, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: According to California Statute of Limitation the item has past the 4 year statute of limitation. The alleged debt should no longer be falsely showing on my credit report. According to section 609 of FCRA, the item is false and erroneous. Please remove item.
Company Response: Closed with explanation
2019-03-08
Manhattan, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-03-07
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation
2019-03-07
Newnan, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2019-03-07
IN
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened to sue you for very old debt
Complaint: I am receiving repeated calls from a " processing center. '' The phone calls are abusive and threatening. The representatives threaten to " see you in court '' and " serve you with papers at your home or work '' this is regarding " two complaints '' they claim to have from HSBC Bank. They claim the complaints are regarding " breach of contract '' and " failure to pay ; '' However, as I stated previously all debt related to this account was discharged in bankruptcy in XXXX. I have told them repeatedly that the balance of HSBC account to which they are referring was discharged in bankruptcy. They will snidely reply " see you in court '' and/or " good luck in court '' and hang up the phone. These calls began in XX/XX/XXXX and have continued through XX/XX/XXXX. They even called and left three separate voicemails with my abusive ex husband which endangered my personal safety.
Company Response: Closed with explanation
2019-03-07
New Hope, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-07
CT
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: I started receiving threatening phone calls stating that I owe {$1300.00} from a credit card in my former name. This went back to 2011 apparently. I asked if they could send me information regarding this said credit card as well as signature information and with the original that was with. They told me They did not have that information that they were just a mediator. I told him I was not going to be paying anything without some sort of validation on their end. I then went on to look at my credit report and son nothing of this said credit card of HSBC. They said they didnt put it on my credit report because it would hurt me from a good credit report. I played along with them to see how far it would go and then they wanted to settle for {$610.00}. Unless I have solid information regarding said that from original collection I will not be paying anything they need to leave me alone and stop harassing me. The company was legal one mediation from Georgia
Company Response: Closed with explanation
2019-03-06
Chicago, IL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to arrest you or take you to jail if you do not pay
Complaint: I settled HSBC credit card debt with a third party years ago. This is the fourth collector that's gotten in touch with me claiming I still owe, threatened arrest warrants, and is even threatening my family with legal recourse/arrest.
I've confirmed with HSBC it was settled. It also shows as such on my credit report. The number that initially calls you is XXXX and leaves a voicemail that directs you to call XXXX, where someone picks up and claims to be associated with " XXXX. '' He new the last four digits of my social security number which makes me very nervous.
Company Response: Closed with explanation
2019-03-06
Fountainville, PA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: Said they were XXXX XXXX. XX/XX/XXXX They could not give me adequate info on a debt. Called HSBC as instructed by XXXX and they have nothing on file for me. HSBC said to ask them to validate the debt. XXXX can not validate the debt other than a charge off date ( XXXX ) and last 4 of the card. After speaking with Mrs. XXXX ( after they called at XXXX ) several times on XX/XX/XXXX. she sent my file to " fraud ''.
They called me again on XX/XX/XXXX robo message left om my phone, XX/XX/XXXX they called me again with no message left. XXXX another man calls me and is very abusive yelling at me that i don't understand what mediation is and he is trying to help me. He keeps saying that they are mediators, he would never admit that they are a collection agency, which is against the law! I requested him to mail me something and he said " why would I waste my time mailing you something if you don't agree to my help '' He yelled the entire time, said that " THEY '' are going to put a judgment against you and put this back on your credit and garnish your wages, then he backtracked and said that they can't garnish in my state. I asked for his supervisor and he said " what part of " director '' don't you understand in my title! I am the supervisor!! He hung up on me and I called him back. Told him that my only goal is to get information to validate the debt because i knew nothing about it. He accused me of lying saying it's been on my credit report. And that I would have to file a police report to dispute it, but no one is going to believe me in the court of law. I placed my complaint on XXXX with what my complaint was. They called called me today and said that it sounded like this debt collection agency purchased a really old file and they are trying to get folks to pay for things that are not even active any longer. XX/XX/XXXX I called back ( XXXX XXXX ) today on the first numberXXXX as the number from the man was not good ( XXXX ) I got Mrs. XXXX and informed her I was recording the call. Asked her to validate the name of her company ( 4 times ), she kept saying hold on, hold on ... .I said that's a very simple request ... ..she then said " XXXX XXXX and I do not give you permission to record this call ''. Bottom line, I did have an HSBC card that was included in a bankruptcy over XX/XX/XXXX years ago, so this should never be coming up and I should not be getting any calls from anyone. Told them never to call me again and she responded that she would let the case manager know.
Company Response: Closed with explanation
2019-03-06
Chicago, IL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to arrest you or take you to jail if you do not pay
Complaint: I settled HSBC credit card debt with a third party years ago. This is the fourth collector that's gotten in touch with me claiming I still owe, threatened arrest warrants, and is even threatening my family with legal recourse/arrest.
I've confirmed with HSBC it was settled. It also shows as such on my credit report. The number that initially calls you is XXXX and leaves a voicemail that directs you to call XXXX, where someone picks up and claims to be associated with " XXXX. '' He new the last four digits of my social security number which makes me very nervous.
Company Response: Closed with explanation
2019-03-06
Brookside, NJ
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2019-03-05
Jersey City, NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: In XXXX - XXXX My account ( identity ) was compromised. I tried to contact creditors and explained but they didn't listen me and provide any proof and gave to collection agency. I am really tired and gave up. Please help me.
Company Response: Closed with explanation
2019-03-05
Nyc, NY
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: HSBC is not providing clear information about all the fees for the account.
I suggest you simply go to http : //www.us.hsbc.com and try to find yourself the fees for the Choice Checking. If you go to this product page at https : //www.us.hsbc.comXXXX, you will not find a single link to the complete fee table.
This is an absurd. It should be very visible and accessible.
I had to contact the bank to have access to this information, that should be easily available. I ended finding the link : https : //www.us.hsbc.comXXXX However it does not clearly state how much is it a transfer to my own account in a different bank.
When I attempted to the transaction, no fee was displayed - however knowing how disorganized HSBC is, I can't trust no fee will be charged.
There is a reason why I actually no longer use this bank.
Company Response: Closed with explanation
2019-03-05
Soquel, CA
Opening an account
Checking or savings account: Savings account
Didn't receive terms that were advertised
Complaint: On XX/XX/XXXX I opened a HSBC Advance Account with a {$10000.00} deposit at the HSBC Milpitas, CA branch. The terms and conditions were discussed and most specially the Referral promotion. I then secured a referral code online per bank instructions.
On XX/XX/XXXX, I referred my husband and he opened an Advance Account with {$10000.00} and the referral code was presented and recorded by the bank employee. The terms and conditions were explained and we were given a written copy. The bank employee was aware that we have had HSBC accounts previously which we closed in XXXX. We were assured that we met the requirements as the condition was " The individual you refer must not currently hold nor have held in the past 365 days, any consumer account ( including but not limited to deposit accounts ... '' The promotion states a {$100.00} each for the 1st-2nd referral and the referred individual was to get a {$250.00} bonus ( Advance account ). Fulfillment of these bonuses is within 8 weeks from the date the new account is fully funded. See attachment.
In XX/XX/XXXX, I started inquiring about the bonuses as it was past the 8 weeks. I called customer service several times and made personal visits to the bank. Customer service agrees that we qualify for the referral bonuses but the HSBC Milpitas branch manager after 4 weeks of waiting said that the Marketing Department has the final say on this matter and they say that we do not meet the now '3 years ' requirement for previously held accounts ( although it was printed 365 days in the advertising materials posted all over the bank from XXXX to XX/XX/XXXX ). I never dealt with the Marketing Department before or their name mentioned in our conversations when the bank processed our accounts and took our {$10000.00} each deposits. We were never informed that the Marketing Depatment has the ultimate decision over these accounts.
The Marketing Dept could not be reached directly and the bank employees will not provide a telephone number or contact info when we requested it numerous times.
I believe that HSBC has deceptive, misleading and fraudulent banking practices to the detriment of the public consumer. I believe that there are others like us with similar experiences as evidenced by similar online complaints.
I have tried to resolve this problem with them but we have reached a point where an independent federal agency like the CFPB must get involved to make sure the rules are enforced and that banks and financial institutions operate in a fair and honest manner..
Company Response: Closed with explanation
2019-03-04
Lehigh, FL
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
2019-03-04
Alafaya, FL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-03-04
Boca Raton, FL
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Company Response: Closed with explanation