HSBC NORTH AMERICA HOLDINGS INC

2018-10-30

Griffin, GA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-29

Ft Wayne, IN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I received a call last Thursday from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. The woman said there was a suit about to be filed against me and used intimidating tactics to try to get me to pay for an old debt that I had paid off years ago. I told her that and she refused to accept that. The call ended into a shouting match and I hung up. I receive these calls several times a year. They result from these XXXX XXXX firms buying old Credit Card companies Write Off lists with consumer info such as credit card company and social security number. They then try to coerce you to pay it off or be sued. They are thugs on the phone! I even had one company in California put a collection on my credit report. I had to contact my State Attorney General to get it corrected on my credit files with the three credit bureaus. I'm sure you know that the Credit Bureaus are very difficult to deal with. Why can't the CFPB do something to stop these predators from operating these scams on innocent people. You can do a XXXX search on the above mentioned company and see all of the complaints lodges against them. Why are they allowed to be in business? XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX
Company Response: Closed with explanation

Timely Response

2018-10-29

Austin, TX

Opening an account

Checking or savings account: Savings account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2018-10-29

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-29

Midlothian, VA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-10-27

Nyc, 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
Complaint: I was notified of fraudulent charges on my HSBC credit card via text message on the night of XX/XX/18. This notification was due to the charges exceeding my credit limit of {$5500.00} for the card. I immediately declared these charges as fraud via text message response to freeze my credit card. After reviewing my credit card statement online, it showed 12 fraudulent charges from XX/XX/18-XX/XX/18, including a {$4700.00} charge at a furniture store. These transactions totaled to {$5200.00} worth of fraudulent charges added to my balance. I subsequently called the HSBC 's fraud hotline, but was unable to get in contact with a customer support representative. I later received a voicemail from the a representative from HSBC 's fraud team on XX/XX/18. But when I attempted to reach that number, I was still unable to get in touch with a representative to help me with the issue. On XX/XX/18, HSBC charged the outstanding balance of the credit card, which includes all the fraudulent transactions charges, directly from my XXXX 's checking account without notice. I continued to contact HSBC fraud support multiple times, and was finally able to reach a customer representative to file a fraud claim. After receiving the fraud claim application by mail on XX/XX/18, I received a fraud claim denial on XX/XX/18 before I was even able to submit the fraud claim to HSBC. Following this, I filed a police report on XX/XX/18 for grand larceny, and sent both the fraud claims and police report to HSBC 's fraud investigation team after I received the physical police report on XX/XX/18. Since then, I have routinely followed-up with my case investigator from HSBC, and he is unable to provide any updates to their investigation, or resolution for my charges. On XX/XX/18, I received a check from HSBC for {$240.00}, which still leaves {$4900.00} of the {$5200.00} to be refund to me. On XX/XX/18, I contacted the police station to follow-up on the status of the police investigation, and I was told that the case had been closed because they were unable to find security footage from the furniture store, and tracking of the shipment address led to a fake address.
Company Response: Closed with explanation

Timely Response

2018-10-26

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I am a US Citizen temporiraly living in XXXX, XXXX. Short story : My birthday is wrong in the HSBC system, and I can no longer log in to my account. I need my birthday changed. I have spent well over 4 and a half hours ( about 273 minutes by my count ) either talking to HSBC reps or on hold trying to fix this problem. The way I see it, HSBC has stolen my money and time. Long story : 1 ) After coming back from vacation, I tried to check my account on Sunday, XX/XX/XXXX. Security features had been added which asked for my birthday. I put in all the correct details, and it would not let me log in. 2 ) I called HSBC for the first time on XX/XX/XXXX. I told the representative what was wrong. I had not changed my password. He told me to change my password. I still couldn't log in. He told me to change my password again. I still couldn't log in. He said try again later. That phone call took 39 minutes and 50 seconds. 3 ) I tried again later on XX/XX/XXXX. It did not work. I called again. They again asked me to change my password. After I explained that that wasn't the issue, I did it anyway, and it did not work. The representative did not know what to do. That phone call lasted 43 minutes and 45 seconds. 4 ) At work Tuesday morning ( XX/XX/XXXX ), I tried to log in again, and it did not work. I tried talking with the online chat. After explaining the situation, they told me to call HSBC. The online chat took 30 minutes. 5 ) I called HSBC three more times with the number the online chat person gave me. I got no response as it was not US business hours. 6 ) The online chat person gave me a different number. I told the representative the entire story, she had me change my password again, again, it did not work. This representative noticed that my birthday was in the system wrong ( even though I asked the first rep if it was correct ), but told me I had to wait to call during US business hours. That call took 29 minutes and 2 seconds. 7 ) I called again later that day, but it was no longer during US business hours. It took 7 minutes and 26 seconds to find that out. The representative took my number and said they would call me back, they never did. 8 ) I called again yesterday ( XX/XX/XXXX ), during US business hours, explained the situation, and was put on hold. I waited 1 hour, 2 minutes, and 22 seconds. I was not connected to anyone. 9 ) I hung up and I called again, again I explained the situation, and the representative told me that she was putting me in a " priority queue '' and that this situation would be resolved today. I waited on the " priority queue '' for 39 minutes and 38 seconds. 10 ) I hung up and I called again, again I explained the situation, and again the representative tried to connect me to another department and I was put on hold. I waited 22 minutes and 42 seconds, and then HSBC disconnected the phone call. I still can not access my account.
Company Response: Closed with explanation

Timely Response

2018-10-26

Auburn, NJ

Applying for a mortgage

Mortgage: Other type of mortgage

Complaint: This complaint and subsequent information is in response to HSBCs response to my XX/XX/XXXX complaint dated XX/XX/XXXX, Case Number XXXX-XXXX. In HSBCs response, they seek additional information as to why the legal description in alleged mortgages ( XXXX XXXX ( HSBC ) XXXX, XXXX XXXX AND XXXX XXXX do not match the legal description of said property ( XXXX XXXX XXXX ). I regret XXXX XXXX, Vice-President Customer Disputes Customer Resolution Department and her associates are too inept to understand the facts. The following are the facts : FACT 1- DEED XXXX ( LEGAL DESCRIPTION ), DATED XX/XX/XXXX ARE CONTAINED IN RECORDED BENEFICIAL MORTGAGES ( HSBC ) XXXX, XXXX XXXX, XXXX XXXX AND ALLEGED CONSOLIDATED AGREEMENTS. FACT 2- THE TITLE SEARCHES CONDUCTED BY HSBC FOR EACH ALLEGED MORTGAGE CONFIRM THE LEGAL DESCRIPTION REFERENCED ABOVE. FACT 3- THE DEED CORRESPONDING TO XXXX XXXX XXXX IS LEGALLY DESCRIBED IN DEED XXXX, DATED XX/XX/XXXX. FACT 4- THESE LEGAL DESCRIPTION ARE TWO SEPARATE AND INDEPENDENT PROPERTIES ( SEE LEGAL DESCRIPTIONS OF EACH BELOW ). FACT 5- THEREFORE, HSBC NEVER HELD A SECURITY INTEREST IN THE PROPERTY AND RESIDENCE LOCATED AT XXXX XXXX XXXX AS THEY CLAIM. FACT 6- HSBC PROCEEDED TO SELL SAID MORTGAGES TO XXXX XXXX XXXX , XXXX AND TRANSFERRED SERVICING TO XXXX XXXX XXXXXXXX , XXXX ( XXXX ). FACT 7- XXXX XXXX XXXX IS ALLEGEDLY NOW THE NOTE HODLER OF THIS ACCOUNT. FACT 8- XXXX CONTINUES TO FORCE PLACE INSURANCE AND PURSUE FORECLOSURE ON XXXX XXXX XXXX ; A PROPERTY NEITHER HSBC OR XXXX OR XXXX HAVE EVER HAD A LEGAL SECURITY INTEREST IN. FACT 9- THIS IS FRAUD AND DECEPTION. To make it easier for HSBC to understand, I have drawn and included a map of the properties in question. All of this can be confirmed by researching documents recorded in the XXXX County, New York Land Records Office. +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ DEED XXXX, DATED XX/XX/XXXX AND CONTAINED IN RECORDED XXXX XXXX ( HSBC ) XXXX, XXXX XXXX AND XXXX XXXX ALL THAT PIECE OR PARCLE OF LAND SITUATE IN TOWN OF XXXX , COUNTY OF XXXX AND STATE OF NEW YORK, BEING PART OF LOT NO. 5 OF GREAT LOT 17 IN TOWNSHIP 8 OF XXXX PATENT, DESCRIBED AS FOLLOWS : COMMENCING IN THE CENTER OF THE HIGHWAY WHICH LEADS FROM XXXX TO XXXX, KNOWN AS XXXX XXXX XXXX ( FORMERLY KNOWN AS THE XXXX XXXX ) AT THE XXXX XXXX OF LAND ON THE XXXX SIDE OF SAID HIGH-WAY WHICH WAS CONVEYED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, TO XXXX XXXX XXXX AND XXXX XXXX XXXX, HIS WIFE, BY WARRANTY DEED DATED XX/XX/XXXX, SAID POINT OF BEGINNING BEING ALSO THE SOUTHWEST CORNER OF LAND CONVEYED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, TO XXXX XXXX XXXX AND XXXX XXXX XXXX, HIS WIFE, BY WARRANTY DEED DATED XX/XX/XXXX, AND RUNNING THENCE XXXX XXXX XXXX ALONG THE CENTER OF XXXX XXXX XXXX, 100 FEET ; THENCE XXXX AT OR ABOUT RIGHT ANGLES TO THE XXXX XXXX FET TO A STAKE IN THE XXXX LINE OF THE AFORESAID LAND CONVEYED BY XXXX XXXX XXXX AND WIFE TO XXXX XXXX XXXX AND WIFE ON XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ALONG THE XXXX LINE OF SAID LAND CONVEYED TO SAID XXXX XXXX XXXX AND WIFE, 200 FEET TO THE POINT OR PLACE OF BEGINNING, IN THE CENTER OF XXXX XXXX XXXX, BEING A TRIANGULAR PARCEL OF LAND. BEING PART OF THE PREMISES WHICH WERE CONVEYED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, TO XXXX XXXX XXXX AND XXXX XXXX XXXX, HIS WIFE, BY WARRANTY DEED DATED XX/XX/XXXX AND RECORDED IN THE XXXX COUNTY CLERKS OFFICE ON XX/XX/XXXX IN BOOK XXXX OF DEEDS AT PAGE XXXX. SUBJECT TO PUBLIC RIGHT OF WAY OVER SUCH PORTION OF SAID PREMISES AS MAY LIE WITHIN THE BOUNDS OF THE HIGHWAY KNOWN AS XXXX XXXX XXXX. +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ XXXX XXXX XXXX DEED XXXX, DATED XX/XX/XXXX ALL THAT PIECE OR PARCEL OF LAND SITUATE IN THE TOWN OF XXXX , COUNTY OF XXXX AND STATE OF NEW YORK, BEING PART OF LOT NO. 5 OF GREAT LOT NO. XXXX IN TOWNSHIP XXXX OF XXXX PATENT, DESCRIBED AS FOLLOWS : COMMENCING IN THE CENTER OF THE HIGHWAY WHICH LEADS FROM XXXX TO XXXX KNOWN AS THE XXXX XXXX, AT THE XXXX XXXX XXXX XXXX NOW OWNED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, BEING ALSO THE XXXX CORNER OF LAND FORMERLY OWNED BY XXXX, NOW OWNED BY XXXX XXXX, AND RUNNING THENCE XXXX XXXX XXXX XXXX ALONG THE XXXX XXXX OF THE FORMER XXXX XXXX, BEING THE PRESENT LINE XXXX XXXX AND XXXX, 300 FEET TO A STAKE ; XXXX XXXX XXXX XXXX PARALLEL TO THE XXXX XXXX XXXX FEET TO A STAKE ; XXXX XXXX XXXX XXXX XXXX PARALLEL TO THE XXXX XXXX OF THE FORMER XXXX XXXX 300 FEET TO THE CENTER OF THE XXXX XXXX ; THENCE XXXX XXXX XXXX ALONG THE CENTER OF THE XXXX XXXX XXXX FEET TO THE POINT OR PLACE OF BEGINNING, AS SURVEYED BY XXXX XXXX XXXX, SURVEYOR, ON XX/XX/XXXX. BEING PART OF PREMISES WHICH WERE CONVEYED BY XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, BY DEED DATED XX/XX/XXXX AND RECORDED IN THE XXXX COUNTY CLERKS OFFICE ON XX/XX/XXXX IN BOOK XXXX OF DEEDS AT PAGE XXXX. SUBJECT TO POWER LINE EASEMENT HERETOFORE GRANTED TO XXXX XXXX XXXX XXXX. SUBJECT TO PUBLIC RIGHT OF WAY OVER SUCH PORTION OF SAID PREMISES AS MAY LIE WITHIN THE BOUNDS OF THE HIGHWAY KNOWN AS XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-10-26

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-26

Wonder Lake, IL

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: In XXXX I received a solicitation for a HSBC Cash Rewards credit card. I fulfilled the {$500.00} spend requirement in the first statement cycle and as of today the advertised {$150.00} bonus was not credited to my account. However I have noticed in points category the increase of the points pointing to the some type of credit being given. I attempted to contact the HSBC twice about this each time holding in excess of 30 and 24 minutes respectively however I wasn't able to get anyone on the line. My husband complained to the company 's executive office ( he's a journalist ) however beside a form letter promising to look at the issue ( ASAP ) nothing has been resolved and done. The letter sent to me specifies {$150.00} welcome bonus in cash back and not points that I can not use. I appreciate the bank to issue the {$150.00} credit to my balance.
Company Response: Closed with explanation

Timely Response

2018-10-26

Canton, GA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2018-10-25

Washington, DC

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: I have a checking account with HSBC. The account was hacked on XX/XX/2018, and a fraud wire transfer of {$8200.00} was made. The wire transfer intended to send money to XXXX XXXX. XXXX XXXX contacted me on XX/XX/2018 because they thought this wire transfer was suspicious. I confirmed that transfer was fraud and contacted HSBC on XX/XX/2018 to cancel the transfer. I was told by HSBC that the money will go back to my account by XX/XX/2018. I haven't seen the money in my account yet so I called HSBC on XX/XX/2018 to inquire about the status of my money. After a long wait, I was simply told the transfer was cancelled and the money will be back to my account in a couple of days. I called HSBC again on XX/XX/2018, but the money was not in my account yet. I have difficulty in reaching a HSBC representative who could tell me when the money will be back to my account. I would appreciate it if you could help me find out when the money would be back to my account. Because it was extremely difficult to reach a HSBC representative, I filed a complaint through their live chat on XX/XX/2018 ( the confirmation number is XXXX ). However, none contacts me yet.
Company Response: Closed with explanation

Timely Response

2018-10-25

Milpitas, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-25

Addisleigh Park, NY

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2018-10-25

Tulsa, OK

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-10-24

Pensacola, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-24

Glasgow, IA

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

2018-10-24

Nyc, NY

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I opened a XXXX XXXX HSBC account online on XX/XX/2018 and placed $ XXXX in it. Recently, I received a strange email from HSBC saying I needed to contact them, it was at that time I noticed my account was locked and I have no access whatsoever to the account. Several days of calling, emailing, live chatting and I've gotten nowhere. If someone is reached they say they can't help me and I go back into a phone queue waiting for someone from the fraud department. I've now put in 5 hours on the phone ( more than 95 % of that time was / is on hold ) and I have no indication of getting closer to resolving the issue. My guess is that HSBC is going to use whatever trick they can to not honor their {$200.00} new account bonus promotion that was due to pay out on or around XX/XX/2018, so they went with this fraud excuse less than 10 days before the promotion payout. I guess HSBC is going to make me earn this promotion by sheer waste of my time.
Company Response: Closed with explanation

Timely Response

2018-10-24

Orion Twp, MI

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
Company Response: Closed with explanation

Timely Response

2018-10-24

Arco, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: On XX/XX/XXXX I opened an HSBC Advance Checking account with a bonus promotion code of XXXX. This bonus promotion code stipulates that I would receive {$350.00} after meeting some conditions which include : Deposit {$10000.00} within 30 days of account opening and maintain {$10000.00} for 90 days. Also included in terms is that HSBC customers who held an account between XX/XX/XXXX and XX/XX/XXXX would not be eligible for this promotion. I can confirm that my previous HSBC checking account ( Choice Checking ) was closed on XX/XX/XXXX, which makes me eligible for this offer. I can also confirm that the initial {$10000.00} deposit was completed on XX/XX/XXXX and was kept for 90 days, well past XX/XX/XXXX. I have not yet received this {$350.00} bonus promotion. I have attached the terms of the offer. After contacting HSBC, they can not determine why I have not yet received the promotion. I have contacted them multiple times and each time no representative will escalate the call and constantly say " They have opened a ticket and will follow up '' with no follow up calls. Extremely poor customer service.
Company Response: Closed with explanation

Timely Response

2018-10-23

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-23

Barrington, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-10-23

Lewisville, TX

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I deposited {$10000.00} into my HSBC Advance Checking account on XX/XX/2018 and its been 5 months and 3 weeks, however they have yet to give me my {$350.00} new account bonus.
Company Response: Closed with explanation

Timely Response

2018-10-23

Bronx, NY

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a checking account with HSBC under their {$200.00} welcome deposit promotion. I have met all of the requirements to receive the {$200.00} as of XX/XX/2018. I have a written chat with a customer service representative from XX/XX/2018 with a " XXXX '' who agreed I should have received this {$200.00} deposit already and he/she instructed me to call customer service which I did. I called and had a " ticket '' opened in XX/XX/2018 and was promised I would get a call back with a resolution. It is now XX/XX/2018. I have been on hold for 30 minutes and counting with XXXX at EXT XXXX as I have called 2-3 times per week and been promised call backs every time as the only person who can resolve this is the person that opened the ticket. I was promised a call back by Monday which never came last Thurs. XX/XX/2018 by a woman at EXT XXXX. This is completely unacceptable. Every time I call, I am only told that I will get a call back, which I never get. Then the person is never working and they are the only ones that may resolve my issue. I want to cancel my account, but I am entitled to the {$200.00} welcome deposit as advertised.
Company Response: Closed with explanation

Timely Response

2018-10-23

Fouke, AR

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response