HSBC NORTH AMERICA HOLDINGS INC

2019-01-31

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-01-31

Wrong amount charged or received

Money transfer, virtual currency, or money service: International money transfer

Complaint: All this information as been given to the company many times through their online 'bankmail ' and their call in service. On XX/XX/XXXX I went online to my HSBC account and wired {$50000.00} to a dollar denominated investment account I have with my wife on the XXXX XXXX XXXX. On the form it asked do you want to send $ or GBP and I checked . In late XX/XX/XXXX I get the first statement and it has a deposit of $ XXXX.After checking with my broker to find out why it was {$2000.00} short he said they might have done a double FX. I checked with the interim bank and the account holding bank and they both said they received {$47000.00} dollars. On XX/XX/XXXX I sent my first bankmail request for clarification of the wired amount. I was told I would have to contact the 'wire room ' through their call center. As of this date I have made between 6-8 calls some of which lasted 2 hrs plus. I have never been able to speak directly with the 'wire room ' because they do not take outside calls. Some of the operators were rude and unhelpful but there were 2 who tried very hard to get me an answer. The last one did call me back twice, once to let me know she was still trying ( the wire room never got back to her in the 3 weeks between phone calls ) and the 2nd time to say she and her manager were going to give this to an executive entity that would investigate and get back to me. That was the first week of XX/XX/XXXX. It is now the first of XX/XX/XXXX and I have still heard nothing.
Company Response: Closed with explanation

Timely Response

2019-01-31

Bronx, NY

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened an HSBC checking account online on XX/XX/2018 after I clicked an advertisement link on their official website. As per the advertisement I was supposed to get XXXX $ welcome bonus, if i maintained a balance of {$1500.00} for 3 months. I maintained the balance for 3 months and then chatted with them, they said it will take 8 more weeks to get paid the welcome bonus. After 8 weeks I chatted with them again and this time surprisingly they said that I am not eligible to get the welcome bonus, even though i met with all the criteria required. The excuse they are giving is false and vague. They are saying that I did not click the right link to open the account and hence can not get the bonus. First of all why there was a wrong link in their official website to open an account? Secondly when I chatted with them for the first time after 3 months, they did not mention anything about wrong link that will disqualify my bonus eligibility. Thirdly after luring the customers about welcome bonus, why they are deliberately singing them up using the wrong link if thete is any such thing at all? Fourthly why am I still getting the false advertisement email in my registered email id given the fact their intention is to cheat the customers?
Company Response: Closed with explanation

Timely Response

2019-01-31

Scottsdale, AZ

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened an account with {$10000.00} on XX/XX/XXXX and deposited at HSBC Bank. I left the amount in there for the terms requirement and longer to received the {$350.00} bonus but never received it. I messaged the company after 120 days but was told to wait the full 8 weeks from the 90 days point. I was told at the time, I fulfilled the requirement and would get the bonus. I waited the full 8 weeks and chat with them again, just to be told the marketing team will be going in to it on XX/XX/XXXX. The message, I received is that the marketing team will investigate and get back to me within 3-5 business days. I waited until XX/XX/XXXX and still have not received a response. Here is the terms of the of the account. Advance checking {$350.00} bonus requirements Open new HSBC Advance checking account by XX/XX/XXXX Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
Company Response: Closed with explanation

Timely Response

2019-01-30

Jensen Beach, FL

Closing your account

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

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-01-30

Nyc, NY

Closing your account

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

Can't close your account
Complaint: Closed my accounts with HSBC in XX/XX/XXXX or XX/XX/XXXX Received notice that there was a charge on my credit card in XX/XX/XXXX. Disputed and explained that these accounts were closed. Was told they would close my account Got a credit card statement again from them Called again and explained that accounts were closed. HSBC opened up a NEW credit card for me without my authorization Called again and was notified that they closed my account. Received a letter stating the same. Received yet another credit card statement from them in XX/XX/XXXX. Called again to have them close the account.
Company Response: Closed with explanation

Timely Response

2019-01-30

Soquel, CA

Money was not available when promised

Money transfer, virtual currency, or money service: International money transfer

Complaint: On XX/XX/2019, I sent a {$4100.00} remittance to my HSBC HSBC account by wire transfer from the US HSBC account. 15 days later, my XXXX XXXX HSBC account did not receive my remittance. And many times with the HSBC Bank of the United States, there is no clear reply.
Company Response: Closed with explanation

Timely Response

2019-01-29

Anaheim, CA

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: On XX/XX/2019 there was a credit balance on my account of {$180.00}. I tried to contact HSBC customer service several time but sometimes it goes to XXXX, other times it goes to XXXX and they put me on hold. I have to wait several minutes to get to speak to someone and they again put me on hold. One of the worst customer service. I should have received my check two weeks ago. Never received my check.
Company Response: Closed with explanation

Timely Response

2019-01-29

Warren, RI

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: In XX/XX/2017 I made a payment of {$5700.00} on my HSBC Mastercard. This should have reduced the balance to less than {$3000.00}. Sometime in the Spring 2017 I was contacted by HSBC to inform that there was suspicious activity on my account. They promised to send me the details and dispute forms. Those never arrived. I kept making payments on the account and in XXXX I made a payment of more than {$500.00}. HSBC is now reporting that I am delinquent and owe them nearly {$9000.00} on this account. Further, my request to have the payments held at {$100.00} per month until this is resolved was declined because " I was not in collections. ''
Company Response: Closed with explanation

Timely Response

2019-01-28

NY

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: HSBC STOP SENDING ME MY CREDIT CARD STATEMENTS, AND NOBODY AT HSBC PICKS UP THE PHONE. I'VE BEEN ON HOLD OVER 2 HOURS AT A TIME. THEN THEY GAVE EVERYTHING TO A DEBT COLLECTOR, THAT GAVE ME A NEW STATEMENT WITH OVER {$1300.00} INCREASE ON IT. WHEN I ASKED " WHY '', THEY WON'T TELL ME AND ARE DEMANDING PAYMENT. The DEBT COLLECTOR IS XXXX XXXX : As per my conversation with Mr. XXXX XXXX at XXXX on XX/XX/2019, I had indicated that I need to see copies of the Statements for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, since none were provided to XXXX XXXX. I also need to know why there was a difference of over {$1300.00} on the account from our last statement of XX/XX/XXXX to XX/XX/2019, when the card was not even used. As per my conversation today with Mr. XXXX XXXX, he indicates that I never brought up the issue of {$1300.00} difference. Without this information, no individual can do a proper settlement. This is unlawfully holding back important information regarding about the account. Neither HSBC nor XXXX XXXX are helping with this matter. Mr. XXXX indicated that HSBC will settle at " 50 % '', but 50 % of what? With an wrongful higher number, then ofcourse the settlement will be higher. With a proper number, then the amount would be lower. Note, HSBC has destroyed my credit report, purposely, and the lack of the information requested shows negligence on XXXX XXXX ' part.
Company Response: Closed with explanation

Timely Response

2019-01-28

Lansdowne, VA

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-01-28

Blackbird, DE

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: Hello, I took out the HSBC Cash Rewards Mastercard early XX/XX/2018. I was given a promotion offer - spend {$500.00} within the first 90 days, received {$150.00} cash back. I made a purchase of {$890.00} on XX/XX/18. I've been given conflicting information by HSBC reps, stating that either 1 ) I didn't receive the promotional offer/need to spend {$2000.00}, or 2 ) the bonus will post after 90+ days. I am not sure which is correct. I want someone to take a look and provide me reassurance that my promotional offer was captured correctly. The promotional offer code was XXXX. Original app ID was XXXX.
Company Response: Closed with explanation

Timely Response

2019-01-28

Foothill Ranch, CA

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: There have been some fraulent charged/scheme involved, stolen cards and unauthorized transactions on my HSBC account. I already reported to the internet law enforcement and also made a police report number XXXX. However, HSBC still did not assist me further as according the Federal State Laws as " Consumer Credit Protection Act of 1968 '' and Fair Credit Billing Act ''. That HSBC did not follow the laws and failed to deliver/provide the promised under the card disclosures. HSBC ignored my claims and even closed my credit card and debit card without notifying me neither put closed account in writing after very late as I requested. I was treated unfairly and HSBC is definitly showing misrepresntation, misleading me and caused my damages in many ways. Because they made me feel that my rights were not covered and claimed no where I could get my card under protections by federal/state laws. So they made me admited and forced me that I had to pay for all of my fraulent unauthorized transactions.
Company Response: Closed with explanation

Timely Response

2019-01-28

Seneca, SC

Trouble during payment process

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

Complaint: In XX/XX/XXXX I recieved a XXXX for XXXX XXXX XXXX XXXX. As if XX/XX/XXXX, I discovered that the company no longer operates in the United States. The website provided this number XXXX, and instructed me to contact the address below. Another link provided this address : HSBC Attn : XXXX Customer Resolution Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX The number states to notify in writing the request for release of lien. Unless you are a lawyer the information needed is confusing especially when all you have is the XXXX.
Company Response: Closed with explanation

Timely Response

2019-01-28

Arlington, VA

Fees or interest

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

Problem with fees
Complaint: HSBC charged an illegitimate late fee to my credit card account. Although I did NOT opt in to paperless statements, HSBC stopped mailing me paper statements. I had not used this card in a while. A merchant made a charge to this card because I had it stored in my account with that merchant. To date, HSBC has not sent me a statement reflecting the charge. I discovered the charge when I looked for it on a different credit card that I thought I had given the merchant. When I could not find the charge on the correct card, I called the merchant and learned my HSBC card had been charged. I don't even have the card in my possession anymore. So I looked all over for my HSBC online log-in details, and even had to log in to an old computer to find it. Once logged-in, I found not only the charge to my HSBC credit card, but also a late fee. I have no printer, and need a paper copy of the bill for my records. I contacted HSBC to ensure I would receive all future billing statements by mail, and asked HSBC to mail me a copy of the one I still did not have. HSBC threatened to charge me {$5.00} for every mailed statement. I refused to pay for what I should already be receiving. I paid the merchant 's charge, which brought my legitimate account balance to zero. Now HSBC is harassing me with at least 10 collection calls per day for the illegitimate late fee, which HSBC deliberately set me up to incur by refusing to mail me billing statements.
Company Response: Closed with explanation

Timely Response

2019-01-27

Tarzana, CA

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Complaint: Received a collection notice with many phone calls afterwards from XXXX XXXX XXXX, XXXX. On XX/XX/2019, for the amount of {$8.00}, XXXX. I called them back ask for any evidence of such debt, they totally avoid my request and threaten to distort my credit.
Company Response: Closed with explanation

Timely Response

2019-01-27

CO

Trouble during payment process

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

Complaint: This is a contnunation of the previous complaint filed with you on XX/XX/XXXX. # XXXX-XXXX. That complaint was with XXXX which is the tail end of this whole situation. Originally XXXX XXXX XXXX XXXX. approved a HELOC in the amount of {$46000.00} on XX/XX/XXXX. Loan # XXXX. The only payments shown on the payment history provided by XXXX, account # XXXX, were in the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX. However, XXXX did not receive this account as delinquent until XX/XX/XXXX. I believe the reason for this action and no record of these payments, being taken 8 yrs later is because, initially I made at least 5 yrs worth of payments to the mortgage servicing companies but my loan was transfered several times during this period. XXXX XXXX XXXX XXXX. was sold to HSBC XXXX XXXX XXXX, XXXX, VA. Account # unknown because Hsbc filed bankruptcy and have no record of this loan. Then my loan was serviced by XXXX during that time but in XX/XX/XXXX, the District Court of XXXX found that XXXX XXXX XXXX was found negligent in their servicing practices and was ordered to pay {$30.00} XXXX dollars in various types of relief to the borrowers that were paying on their loans from XX/XX/XXXX to XX/XX/XXXX. Again, there is no record of the payments that I made other then what XXXX provided. But also during this time period, After HSBC went bankrupt, my loan then became serviced by XXXX XXXX, whoever they are, but they also have no record of this loan or any payments made. I don't know what happened to this loan anywhere that I can find but there is 6 pages of what was recored with the XXXX County Recorders Office in XXXX XXXX, CO. BK XXXX, PG XXXX. This filing did not include any of the details of this loan. The only verification of the terms of this loan were provided, with your previous help, by XXXX who has since been bought by XXXX. And it was unfortunate that I had to contact your office to even see what thus loan consisted of and it's terms. Had I been made aware of any of this I would not have let this loan default to become property of XXXX to collect this debt. As you might recall, during this whole time period, there were many scams and scandels confronting the mortgage industry. I don't know if I was a victim of this. I am filing a claim against XXXX along with the thousands of others to see if I was in fact this had any bearing on how my loan was handeled. The original property that was used as collateral for this HELOC is presently in litigation for other reasons. However, the findings from this complaint could determine whether I have to let my home go into foreclosure or if I have to file bankruptcy. Thank you for any help you are able to provide.
Company Response: Closed with explanation

Timely Response

2019-01-25

Las Vegas, NV

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: I'm currently working as an active military hours in the XXXX XXXX and this company is giving me a hard time by telling me false information i responded to their letters and i even contact back and left them a voice mail stating that i'm going to basic training for the XXXX XXXX. i wouldn't have any way to make any contact while i'm at XXXX texas on XX/XX/XXXX to XX/XX/XXXX that when i graduate from boot camp. i only gotten this responses from them .. '' A review of your accounts confirms on XX/XX/2018 you closed your credit card ending in XXXX as a lost card with a total fraud claim of {$1700.00}. This claim was reviewed on XX/XX/2018 and denied. A letter was sent the same day reflecting this information. '' which is also false because these transaction added up a different amount XX/XX/2018 XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 SALE REVERSAL More info Select to Expand XXXX XX/XX/2018 TEXAS XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 SURF XXXX XXXX - XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX 'XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX 'XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX & XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX & XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX and this are the claim that i have responded back to you guys in your letter and you guys need to read my letter and stop acting like you guys didn't receive it. please stop sending me false information.. i will be in XXXX for my XXXX XXXX so the best way to reach me is by my cell phone and if i don't respond it's because i'm in the military.
Company Response: Closed with explanation

Timely Response

2019-01-25

Santa Clara, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-01-25

Chicago, IL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-01-24

Goodlettsville, TN

Managing an account

Checking or savings account: Savings account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-01-24

Brooklyn, NY

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2019-01-23

GA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: I have already filed a complaint regarding a fraudulent account that was opened in my name at HSBC in XX/XX/XXXX. As detailed in my previous complaint, I made numerous attempts to contact someone at HSBC regarding this account but have yet to speak with anyone with knowledge of this incident. After I filed my complaint, HSBC provided a response acknowledging that the fraudulent account was opened, that they are investigating the matter, and that a freeze was placed on this account to prevent further activity. I responded that I was given insufficient information about how this happened and how HSBC intended to prevent this type of fraud from happening in the future. I have yet to hear from HSBC regarding my concerns or their alleged investigation. Yesterday I received another letter from HSBC indicating that the fraudulent account remains open and that further fraudulent activity occurred during the period XX/XX/XXXX, through XX/XX/XXXX. This indicates that the information that HSBC provided to me and to the Consumer Financial Protection Bureau is wrong and that no steps have been taken to stop this fraudulent activity. I have informed them that my personal information was stolen and that I did not open this account and I have filed a police report as well. HSBC is fully aware that this account was opened fraudulently and they knowingly have allowed the crime to continue.
Company Response: Closed with explanation

Timely Response

2019-01-22

Mountain View, OK

Fees or interest

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

Problem with fees
Complaint: HELLO, On XX/XX/XXXX I paid the total balance of {$5000.00} that is displayed on my HSBC Credit card account. Few days later, I had seen {$17.00} as late payment. I contacted customer care couple of times and I clearly mentioned that I made payment in full. I requested them to close my account. I have not received any confirmation that my account is closed. In the month of XX/XX/XXXX, I had seen another charge in the amount of {$37.00} as late fee. I contacted customer care again and clearly stated that I paid the amount in full and I requested to close this account. But the customer care keep on stating that their department doesn't handle these queries. They transferred my call to another department and they told the same story that their department doesn't handle credit card queries. They keep on transferring my call across multiple departments until i give up. Recently I got a year end balance statement and it is showing that I owe them {$180.00} in late payments. I contacted customer care again on XX/XX/XXXX and I clearly explained my plight. They again transferred my call to another department stating that they dont handle credit card queries. I contacted the number mentioned on their website and I contacted another number given to me by their online chat department. Now I received another number XXXX. I will contact them again tomorrow to resolve this issue. Their customer care department is playing with loyal customers if they decide to close their account. Felt very disappointed and very bad customer service.
Company Response: Closed with explanation

Timely Response

2019-01-18

East Elmhurst, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with monetary relief

Timely Response