HSBC NORTH AMERICA HOLDINGS INC

2018-11-07

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

Timely Response

2018-11-06

Arco, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: In mid XXXX, I opened a checking account with HSBC. As part of a promotion, they said they would provide me a {$350.00} bonus for keeping {$10000.00} in the account or combination of linked accounts for 90 days. I opened the account and my $ XXXX deposit posted XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX of HSBC contacted me and said if I opened a certificate of deposit and moved the funds to it, they would still count for the bonus as the CD is considered a linked savings. I have this in an email. The money was transferred XX/XX/XXXX and remains there now. It has been well over 90 days and I have not recieved the agreed upon {$350.00}, and my attempts to contact HSBC over online chat have gone nowhere. Please assist. Note : The balance of my checking account is only {$50.00} because I moved the $ XXXX to the CD account, but the accounts are all linked.
Company Response: Closed with explanation

Timely Response

2018-11-06

Primm Springs, TN

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-11-06

Bakersfield, CA

Problem when making payments

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

Problem during payment process
Complaint: XXXX has been non-compliant with removing the unverified account BENEFICIAL BENEFICIA-XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BENEFICIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-11-06

Denver, TN

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: a payment i made and processed on XX/XX/2018 of {$200.00} has not been credited to my credit card account by XXXX XXXX XXXX.Got response letter to letter i sent HSBC on XX/XX/2018.HSBC responded XX/XX/2018 from hsbc with no person name, title or direct phone number.XXXX XXXX is very unprofessional in handling of this matter and i need you help to correct problem
Company Response: Closed with explanation

Timely Response

2018-11-06

Brentwood, CA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-11-05

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-11-05

NJ

Communication tactics

Debt collection: Mortgage debt

You told them to stop contacting you, but they keep trying
Complaint: On XX/XX/2018 at XXXX EST, I got a phone call from a HSBC collections department representative, asking if I was going to make this month 's payment on time, and if he could get that going for me today. Payment is due on XX/XX/XXXX, and past due on the XX/XX/XXXX. I told him I would have it on XX/XX/XXXX, and he seemed to be ok with that. He then asked about XXXX 's payment, if I would have it on time, and that's when I got a bit angry about his line of questioning, and why I was being called in the first place, since nothing is past due. I told him that if this is they way they are going to do business with me, then to please don't call me any further because it felt like harassment. I'm not sure he understood, so I repeated to clarify my stand on this issue, but I'm not sure he got the message.
Company Response: Closed with explanation

Timely Response

2018-11-04

Grover Beach, CA

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you in a state where you do not live or did not sign for the debt
Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and XXXX. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call XXXX to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.
Company Response: Closed with explanation

Timely Response

2018-11-04

Arco, CA

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: SOME ONE HAD RECENTLY USED MY SOCIAL SECURITY NUMBER TO TRY AND OPEN A ACCOUNT WITH HSBC BANK AND XXXX XXXX XXXX BRANCH BANK WHICH IS FRAUD BECAUSE I KNEW NOTHING ABOUT IT OR DIDN'T GIVE THEM MY SOCIAL NUMBER THEY STOLE IT SO I JUST WANT TO SEE IF YOU CAN TELL ME IF MY SOCIAL WAS RECENTLY USED TO APPLY FOR ANY BANK ACCOUNTS OR CREDIT LINES OR IS IN ANY OF THESE 2 DATA BASE PLEASE?
Company Response: Closed with explanation

Timely Response

2018-11-04

Great Neck, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: On XX/XX/2018, I opened an HSBC Advance checking account to take advantage of the attached {$350.00} Welcome Deposit bonus offer. I deposited {$10000.00} into the account, maintained the balance for 90 days and waited the additional 8 weeks for the bonus to credit. After the 8 weeks expired, I contacted HSBC several times through their live online chat, their 1-800 phone number and their website 's secure mail. I was promised that they would open a case, contact the promotional team and get back to me. I never received a follow up and it's been 2 months since I should have received the bonus at the latest and since I first was promised they would get back to me. I continue to maintain the {$10000.00} balance in the account.
Company Response: Closed with explanation

Timely Response

2018-11-02

Flushing, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-11-02

Hartsdale, NY

Other features, terms, or problems

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

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-11-02

MD

Fees or interest

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

Problem with fees
Complaint: New HSBC Gold card advertised as 0 % interest and 0 % transfer balance fees for 18 months. Applied for and received new card approximately XX/XX/XXXX. Card # XXXX XXXX XXXX XXXX. Executed balance transfer request XX/XX/XXXX from XXXX XXXX card to HSBC in the amount of {$3500.00}. Discovered today a " finance charge '' of {$140.00}. NOT explained in advertising or identified at time of balance transfer request. HSBC refuses to waive the charge upon my request. This is a bait and switch.
Company Response: Closed with explanation

Timely Response

2018-11-02

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-11-01

Alhambra, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-11-01

Beaukiss, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-11-01

Atl, GA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-11-01

Masonville, NJ

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

Timely Response

2018-11-01

Patterson, MD

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: I wanted to open a new credit card so I did a search to find one that would give me a bonus for singing up. Based on the results I found I signed up for an HSBC credit card. While I do not have a photo of the signup offer, I was under the impression that I was signing up for a promotion that would give me {$150.00} or {$200.00} cash back after spending {$500.00} or {$1000.00} ( again, I should have taken a picture, but this is the range of the deals I was looking for, and my goal had been to sign up for the best deal I would be eligible for ). I was approved for the card and the account was opened, but now they tell me I need to spend more than {$2000.00} to get the bonus. I don't spend that much money on my credit cards and never would have signed up for an offer like that. Now I have a mark on my credit report all for nothing.
Company Response: Closed with explanation

Timely Response

2018-10-31

MD

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: On XX/XX/XXXX, I received via email an offer that regards opening a new HSBC checking with the incentives and conditions as indicated below : - Get a {$350.00} Welcome Deposit for eligible new customers who open a new HSBC Advance checking account with qualifying activities. Limited time only. Open your new HSBC Advance checking account online by XX/XX/2018 ; and 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 ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. On XX/XX/XXXX, application for Advance Checking account is approved. On around XX/XX/XXXX funds on the amount of XXXX are transfered to the new account and the amount of over 10,000 is maintained through XX/XX/2018. That is, the conditions required by HSBC in order to received the " Welcome Deposit '' were met in fact they are exceeded. On several ocasions I called and chat with the customer service department, with continues without solving the problem. I am sure they can provide log information. However, in spite of many phone calls, chat messages and visiting the local branch of HSBC on XX/XX/2018, none of my complaints have worked and NO Welcome Deposit has materialized as promised. This offer from this bank is either misleading or it is a scam and HSBC should be hold accountable of their actions ( or inactions ).
Company Response: Closed with explanation

Timely Response

2018-10-31

Nyc, NY

Fees or interest

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

Problem with fees
Complaint: HSBC is charging me a late fee for a credit card that had no balance and which I have not used for years. I called them one or two years ago asking to close the account, they said I should go to the branch to close it. I explained I could not go during the bank hours since I was working. I just wanted to close the account. Now I found out this affected my credit score. Further, I have a charge that I don't recognize.
Company Response: Closed with explanation

Timely Response

2018-10-30

Ft Lauderdale, FL

Fees or interest

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

Problem with fees
Complaint: I contacted HSBC now to apply for a new credit card, MasterCard Gold, to transfer a balance. Their offering states that there is 0 % interest on purchases and 0 % transfer fee for 18 months, the best in the industry presently. I was transferred to credit card agent when I asked inquiried about the maximum transfer limit. I explained to the next agent that I wanted to transfer {$21000.00} from a credit card that was charging interest to the new card. The agent stated that there was a 4 % transfer fee. I reread their offering to him and inquired whether a cash advance was a balance transfer. He agreed that it was not. Either HSBC is engaged in fraudulent deception or the agent was ill informed. I made this inquiry before I made the application. Last night I applied for an XXXX XXXX XXXX card. I explained my plan to transfer a {$21000.00} balance to the new card. The application was granted but the balance transfer was {$7500.00} and credit limit was {$25000.00}. I contacted XXXX today and was advised that there is {$7500.00} maximum on balance transfers. The agent should have advised me of this maximum prior to completing the application. I did not want to make the same mistake twice.
Company Response: Closed with explanation

Timely Response

2018-10-30

NY

Closing your account

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

Can't close your account
Complaint: HSBC credit card XXXX XXXX XXXX this is the cc # i filed a complaint and received a letter from them stating they were refunding my credit and closing the card, i never received the refund and they continue to send statements. i received a letter that you closed the complaint but i want to reopen it
Company Response: Closed with explanation

Timely Response

2018-10-30

San Francisco, CA

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: Complaint against XXXX XXXX Account I suddenly found out yesterday that my account with HSBC bank had been closed and I was shocked. First, I opened this account earlier this year with the intent to use it for my business and persona needs, then I found out that I could open a business account as well. I initially opened this account in the branch in XXXX XXXX, and the staff there were very nice and courteous. But I missed the appointment to open the business account at this location because it was too far from my home in the XXXX district of XXXX XXXX. so, I went into the local branch here on XXXX XXXX to open this business account, where I met the Business Relationship Manager named XXXX, and from the very first moment, I noticed strange things were happening there. He was sort of illegally recording me with his laptop ( this is violation of my privacy and PII ) and asking me questions unrelated to opening an account. Shortly afterwards, he told me that he will be doing some review and getting back to me. Over the course of a few weeks, I noticed that he would call me using min HSBC numbers and I had no idea what this was all about, then I asked him why the account not opened yet, then he said I must make a deposit first to have a business account open. I asked him why, am I seeking a loan or anything? This was unbelievable and ridiculous, so I called the corporate office of HSBC in NY and reported this matter that I was basically told I could not open a business account unless I made a deposit first, even though this was a start-up and I wasn't asking for loan or anything. All I needed was business account to conduct business exchanges. Every other person I know opens accounts and business accounts without being asked invasive questions and told to have had the business running for years and with money to open the business account, especially when the company is a start up. This is XXXX XXXX! This personnel was using tactics that are condescending and discriminatory to profile me! When I reported this matter : I was told by the manager that I spoke to that he had sent the report to the banker 's ( XXXX ) manager and the latter will be calling me. Till today no such call has happened. This incident took place in XXXX or there about. I am so convinced that some discriminatory practice had happened and that was why this banker 's manager had yet to contact me. For this reason, I was dissatisfied with the operations of your team here in XXXX XXXX and it affected my perception of the bank. I am not going to bank with a Bank that will profile me as inadequate or not " good enough '' in anyway. I was waiting for their response and resolution to this misconduct of their employee for months that was why I could not use the account. If a customer is mistreated, how can that customer still feel free to trust you with her money unless you resolve the matter? So what are you closing this account without this resolution done? Why did no one call me or email me to ask me how I was doing following this incident? To my shock the account was now closed and I was being reported as having a negative balance. I also have evidence to believe that this bank has now spread adverse and negative information about me all over the banking landscape without due diligence. The amount they are claiming I did not pay them is {$25.00} of my money which they were deducting every month. My money! I wish to make it known that this bank 's branch here on XXXX XXXX is conducting discriminatory actions against law abiding people with the intent to destroy their credit and their information. The account information are : XXXX and XXXX as shown on my cheque copy.
Company Response: Closed with explanation

Timely Response