HSBC NORTH AMERICA HOLDINGS INC

2018-12-20

Phoenix, AZ

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Complaint: On XX/XX/XXXX, I started receiving phone calls from a XXXX XXXX " XXXX XXXX '' is what they called their selves, claiming that they are going to sue me for an HSBC account that I have no knowledge of. They have called my wife and left messages stating that I am currently being investigated and need to call XXXX and reference # XXXX. I attempted to reach the XXXX who are now claiming to be from XXXX XXXX and they were very unprofessional. They started to call my brother and sisters cell phones telling them that I am being investigated and will be sued if I don't comply. I called them again on XX/XX/18 and was told that I could not request them to cease and desist called to my cell phone or to my relatives. I asked for a manager and the account representative advised that there was no one available. She refused to provide me any details about this account that they are claiming I owe. I advised them that I would file a claim against their business for harassment and defamation of character and again, they refused to stop the harassing calls.
Company Response: Closed with explanation

Timely Response

2018-12-20

Chicago, IL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I recently opened an XXXX checking account and linked XXXX consumer credit card with HSBC NA in XX/XX/2018. After making several charges on the card, any further transactions were declined as of XX/XX/2018. Since then, I have not been able to use the card OR access my online checking account. I have called repeatedly to HSBC and have been transferred to the security team ( XXXX ). This line simply puts me on hold for 2 hours and then disconnects the call EVERY SINGLE TIME with no one picking up. I have been calling every single weekday since XXXX, starting at XXXX EST, which is the opening time. I have NEVER had my call answered despite repeating this an average of 3 times a day. After being on hold for 2 hours, the line disconnects. If I try to call by the end of the day, I am placed on hold and then disconnected as of XXXX EST. Whenever I talk to anyone else at HSBC, they state that no one else can fix my problem and that is the only department that is authorized to handle this issue. They refuse to help and state that there is no supervisor, managing office, or alternate means of contact to resolve my issue. I am basically cut off completely from my checking deposits and credit card use. I have tried multiple other phone lines and twitter help. I have not had anyone attempt to call, e-mail, or text me for verifying fraud on my account, as is listed on the HSBC website. This is simply unacceptable!
Company Response: Closed with explanation

Timely Response

2018-12-20

Milford, CT

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-12-20

Indian Orch, MA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-12-20

Knoxville, AR

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX filed bankruspy XX/XX/XXXX they was unable to valdate the account XXXX XXXX XXXX had to delete the account then in late XX/XX/XXXX it was put back on credit report
Company Response: Closed with explanation

Timely Response

2018-12-20

VT

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-20

Lewisville, TX

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: My savings account was blocked without any explanation and after calling in and holding for over 2 hours, I was told to call back to speak with fraud department. I called back the next day again hold time was 2 hours and was told to send in the necessary documentations which I have and I still can not access my account. They are holding my big balance hostage and in checking social media there are a lot of other victims like me that hsbc is placing blocks on their accounts. Please help!!
Company Response: Closed with explanation

Timely Response

2018-12-20

San Francisco, CA

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

2018-12-20

Lompoc, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-12-20

Gloucester City, NJ

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: On XX/XX/2018 ; I opened an HSBC Premier account online as per the rules of an offer from HSBC, so I may obtain a {$750.00} bonus from them. On XX/XX/2018 ; I added my wife as a joint account member at a local branch of HSBC in XXXX PA, and fully funded the account over {$100000.00} that day, using a combination of Premier account funds and a Certificate of Deposit, as per the qualifications of the {$750.00} bonus offer. The bonus offer stipulates a minimum balance of {$100000.00} must be maintained for 90 days and afterward a {$750.00} bonus will be given within the following 60 days. We have maintained a balance over {$100000.00} FOR OVER 190 DAYS NOW AND STILL HAVEN'T RECEIVED THE {$750.00} BONUS FOR THE HSBC PREMIER ACCOUNT. I have contacted HSBC 6 TIMES now, and they have agreed on several occasions that I have qualified for the bonus and should have received it. They have stated 4 times that they will look into the matter and call me back but did not call back on the dates they said they would call. There were 2 occasions I did receive a call back to be told there has not been an an answer to when the bonus would be received. I see many other complaints online regarding HSBC falsely advertising an account bonus and not paying the bonus. It is nearly 7 months since my account has been opened and fully funded. I should have received the bonus within 5 months per HSBC, but I have not received the bonus. Seems like HSBC is fraudulently offering a bonus to lure in customers. How else should I feel? Timeline : Account opened XX/XX/2018 online. XX/XX/2018 wife added as joint account member and account fully funded. XX/XX/2018 I called HSBC and spoke with XXXX to report not receiving bonus. response was I should have received bonus and claim opened in rewards campaign department at HSBC. XX/XX/2018 I called HSBC and spoke to XXXX to report not receiving bonus. response was I should have received bonus and claim opened in rewards campaign department at HSBC. XX/XX/2018 I called HSBC and spoke to XXXX to report not receiving bonus. her response was I had qualified for the bonus and should have received it. She said she took screen shots of our account and forwarded them to the rewards campaign department for resolution. Now we have 2 claims opened in the rewards campaign department at HSBC. XXXX said she would call us back on XX/XX/2018. XXXX did not call back. XX/XX/2018 I called HSBC and spoke to XXXX and XXXX to report not receiving bonus they agreed I should have received the bonus but there was no answer yet as to when it would be paid. XX/XX/2018 XXXX XXXX received a call from XXXX at HSBC stating no answer yet as to when bonus will be paid. She said it may take a few more days and she would call me back. XX/XX/2018 I called the HSBC branch in XXXX XXXX and spoke to XXXX to report not receiving bonus. Again we were told there was no answer yet as to when the bonus will be paid. HSBC needs to pay us the {$750.00} Premier account bonus or be held accountable for fraud and false / misleading advertising, and face severe financial punitive damages for knowingly doing so and failing to take corrective action.
Company Response: Closed with explanation

Timely Response

2018-12-19

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-12-19

Menlo 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

2018-12-19

Raleigh, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-18

Beach Center, CA

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-12-18

Lewisville, TX

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I opened an HSBC Advanced Checking account was told before I opened it that I did qualify for the {$350.00} bonus. The bank closed out my first CFPB complaint claiming because i had a credit card with them already, i was disqualified, so they closed out my CFPB complaint. I am opening up another complaint because they flat out lied!
Company Response: Closed with explanation

Timely Response

2018-12-18

NJ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: Today, XX/XX/XXXX, I received a phone call from XXXX at XXXX XXXX XXXX in Georgia. He told me he was attempting to collect a debt owed to HSBC Bank in the amount of XXXX. I was informed that this account was opened in XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. When I informed him that not only did i not have an account with HSBC and didn't live at the address when that card was opened, he basically disregarded me and said I'd have to go to court to dispute that. He refused to provide any further information stating that some credit cards have a small hsbc bank written on the bottom of it but he couldn't give me anything more than HSBC and the account balance. He also informed me that he would only email me the affidavit of claim and i had 24 hours to decide if i was going to make payment arrangements or have it go to judgement. After I hung up I called HSBC bank who informed me they had no record of me having an outstanding debt with them or in collections. I found out some of my rights to information from cfpb and contacted the company back. When I called they tried to verify the last 4 of my social which i refused and was hung up on. The man XXXX I spoke too called right back and was nasty asking me what I wanted. I asked him to please provide a copy of the affidavit via mail ; he refused stating that " it's too easy for people to claim they didn't get the letter ''. I told him he's required to send correspondence via mail and also to provide who my creditor was as well as giving me 30 days to dispute. He said he wasn't required to do anything, that he was marking me as a refusal to pay and hung up on me.
Company Response: Closed with explanation

Timely Response

2018-12-18

Foothill Ranch, CA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: 1 ) The Account Opening Date is referenced, but not specified, in the account documents for all my HSBC USA bank accounts. I need to know the opening dates of my accounts in order to correctly interpret my rights and obligations under the account documents, yet the bank refuses to tell me the opening dates. They claim it would be a security risk to disclose the opening dates over the phone, even after I have correctly identified myself through my voice print and personal data. They refer me to the account statements and other communications, yet these documents do not specify the opening dates. They refer me to my nearest HSBC branch, which is 25 miles from my home. 2 ) I still have not been given a specific reason why my access to my accounts was blocked, without notice or explanation, from XX/XX/2018, through XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2018-12-17

Flushing, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-12-15

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-12-14

W Bloomfield, MI

Opening an account

Checking or savings account: Checking account

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

Timely Response

2018-12-13

Lewisville, TX

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2018-12-13

Westerville, OH

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

2018-12-13

Jamaica, 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

Timely Response

2018-12-12

Santa Ysabel, CA

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Complaint: I responded to an offer from HSBC Bank to open a checking account and receive a $ XXXX bonus. I submitted an application giving all of my private information and the application was rejected on the basis that the bank could not verify my identity. I called customer service and they said that there was a final decision by the computer. I told the representative that based upon their offer, I submitted all of my private information including date of birth, passwords, bank account numbers social security number addresses etc. and that they took this information fraudulently.
Company Response: Closed with explanation

Timely Response

2018-12-12

Cherry Brook, MA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I have presented HSBC Bank with disclosure of concerns pertaining the request for a debit card that has not been address since the opening of my account. A supervisor has acknowledge the error and noted on the account that indeed a debit card was requested at the time of the account application. The supervisor apologized for the poor practices and said that a debit card would be expedited to me. It has been several months since the opening of the account and I have not been issued a card nor other concerns have been address with propriety. The continue failure to act appropriately is unacceptable and I continue to be prevented from using my account.
Company Response: Closed with explanation

Timely Response