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 44
2018-09-17
Auburn, NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: I am in receipt of HSBC 's response regarding account number XXXX, dated XX/XX/XXXX. In their response, HSBC has the audacity to state, " While in operation, it was the policy of HSBC to conduct its business in full compliance with the letter and spirit of the laws and regulations of every community in which it operated and to adhere to the highest ethical standards. HSBC does not participate in, support, or condone predatory lending and servicing ''. Really ... ... ... In contrary, headlines state differently as evidenced by such : XX/XX/XXXX. HSBC agrees to {$760.00} million settlement with DOJ over pre-crisis mortgages Plus {$26.00} million settlement with Massachusetts. many of these loans were presumptively unfair under Massachusetts law because they had debt-to-income ratios over 50 %, included substantial prepayment penalties, had loan-to-value ratios over 97 %, and included other problematic features. Case in point account number XXXX. Beneficial 's solution ; sell these toxic mortgages to XXXX XXXX XXXX, XXXX and others and offload the problems. HSBC continues to insufficiently address my concerns with my parent 's alleged enforceable loan. They have yet to explain to me on behalf of my deceased parents how the legal description in the loan documents does not match the alleged security interest they sold to a third party to avoid further scrutiny. Not to mention, addresses, zip codes, credit reports, appraisals and title searches contain numerous errors. Fraudulent and predatory to the core. I demand an investigation into these matters. Who did they sell my parent 's alleged loan to? Why has an assignment not been filed? Does my parents have any obligations to HSBC or XXXX XXXX XXXX at this point? Has HSBC conducted any investigation into the defective legal description noted in alleged loans dated XXXX, XXXX and XXXX? What have they done about it?
Company Response: Closed with explanation
2018-09-17
Brooklyn, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Card was charged for something you did not purchase with the card
Complaint: MY NAME IS XXXX XXXX XXXX I WAS VITICM OF IDENTIY THEIF SOMEONE STOLE MYWALLET IM XXXX YEARS OLD I DIDNT REALIZE IT UNTIL PULL MY CREDIT. I IMMEDIATELY WENT TO MY LOCAL POLICE DEPT. DET XXXX XXXX WAS ASSIGN TO CASE IT WAS APPROVE. THE ACCOUNTS ARE XXXX XXXX, HSBC BANK, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX XXXX
Company Response: Closed with explanation
2018-09-17
Wallington, NJ
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: HSBC advertised its cash rewards card as follows : charge {$500.00} within 3 months and receive {$150.00} in cash. I spent {$500.00} within 3 months. I have repeatedly tried to redeem the {$150.00} in cash but HSBC has made it so difficult I can not do so! I have complained to HSBC in vain! I wrote its president twice. I called but no one answered or called me back.
THIS IS NOT A NEW COMPLAINT!
Company Response: Closed with explanation
2018-09-17
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2018-09-14
Bakersfield, CA
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: I opened a choice checking account with HSBC back in XX/XX/2018. Their was a promotion going on at the time where you get {$200.00} if you open that type of account and fund it with {$1500.00} then keep this for 90 days. The bonus would post 8 weeks after that. I funded the account on XX/XX/2018. I have been waiting for almost 6 months and no bonus posted. I contacted customer service numerous times through calling and chat and all I get is " Please wait for our investigation results ''. I think it's unprofessional to keep clients waiting rather than actively working on their complaints. I attached the offer terms in a PDF file.
Company Response: Closed with explanation
2018-09-14
San Antonio, TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2018-09-13
Billerica, MA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: The company XXXX XXXX XXXX, is harassing me for a debt they say I owe, it doesnt even show in my credit history, they say that they sent letters of collection to two address that I have not leave there for more than ten years, and the account was suppose to be in debt since 2012. They have call my work place asking for me and have call my cell phone treading to sue me even take my property away.
I contacted HSBC asking them for information on my debt and they didnt find anything, I called folder dept and found nothing so I wrote a letter asking to get the company name they sold my case to ... I suppose to owe {$660.00}. This is the number to reach XXXX. XXXX number is this XXXX. The place sounds like its empty with an echo, then they call back and has some voices like operators but I didnt hear it before ...
Company Response: Closed with explanation
2018-09-13
Scranton, PA
Opening an account
Checking or savings account: Other banking product or service
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-09-13
Burlingame, CA
Closing an account
Checking or savings account: Checking account
Company closed your account
Complaint: Bank : HSBC Account Type : Business Checking Account Our company had a checking account for five ( 5 ) years with HSBC and in the middle of XX/XX/2018 the bank closed our account. After talking to the bank, HSBC said there was some internal mistake ( " miscommunication '' ) within HSBC. There was no forewarning, no letter, no email, no phone calls, etc. There were no negative checking balances for the 5 years and all monthly bank fees were paid in full. Our credit cards were always paid in full and we never even made a partial payment on a credit card balance.
HSBC gave us a Cashiers Check with our balance and then opened up a new Business Checking Account for us ( with a new Account number ). It took hours-and-hours to figure out what happened, then " fix '' all the outstanding checks, bounced checks with our Suppliers ( including imposed penalty fees ), change incoming wire-transfers ( e.g. from XXXX ), update outgoing pre-set wire payments, re-issue Debit Cards, change Credit Cards, make changes within our Bookkeeping provider ( using XXXX software ), etc. We researched other banks and then switched to a competitor bank.
Company Response: Closed with explanation
2018-09-12
Rockwell, NC
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2018-09-12
Warren, RI
False statements or representation
Debt collection: Credit card debt
Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation
2018-09-12
Sierra Madre, CA
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: Hi I opened this account back in XX/XX/2016 at a branch in XXXX XXXX. At the time of account opening, I was advised that there won't be any fees associated with the account, and that this account also qualifies me for a HSBC credit card that I can try to apply for. I did not apply for that card in the end.
As this account was primarily intended as a savings account, I had left this account alone as I didnt want to touch the funds unless absolutely necessary. However, I had fraud activity on my other accounts recently, I began to review my other checking accounts as well, including my HSBC account.
It has come to my attention that HSBC has been charging me {$25.00} each month, even though I was told I wouldnt be charged any fees. I spoke to the customer service representative over the phone, and their response was that he doesn't know whats going on either, but this is the account type that my banker had set the account up as, and that theres a {$25.00} fee for this account.
I am personally not familiar with the different account types and tiers that HSBC offer, but I was very specific with that banker that I didnt want an account with a monthly fee of any sort.
HSBC has refused to help with my situation, so I am hoping CFPB can. Please help.
Thank you so much.
Company Response: Closed with monetary relief
2018-09-12
Bayside, NY
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2018-09-11
Kings Ferry, NY
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: name : XXXX XXXX XXXX XXXX of XXXX ( XXXX before XXXX change ) XXXX XXXX XXXX XXXX ny XXXX had mortgage with XXXX XXXX bank ( XXXX ) in XX/XX/XXXX for the XXXX of {$140000.00} refinanced house in XXXX there was never a release filed by XXXX XXXX they have refused to answer and/or offer help can not sell house with this still on the rolls need help XXXX ( HSBC ) is no longer in the united states have been trying for over a year to get this cleared up
Company Response: Closed with explanation
2018-09-11
Banksville, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2018-09-11
Tarzana, 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: Had fraudulent activity on my card that included purchases and credits. Charges were as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ECLIPLSE SAMPLE SALE credit XXXX I was hospitalized at the time and reported fraud. My fraud claim was denied for no apparent reason. I proceeded to send hospital records, and was told that wasnt sufficient. I then filed a police report and sent to them. They said it wasnt sufficient still because it wasnt signe, which it was. All of this was not communicated to me, and I have tried calling today XX/XX/18 six times. They couldnt hear me 4 times and hung up on me 2 other times. I need my money back. Meanwhile I have paid the minimum payment and have accrued interest charges. I am owed {$870.00}, plus interest charges. Furthermore, they did not send me a statement for XX/XX/XXXX, and I had to login to pay, luckily I have my payments scheduled in advance.
Company Response: Closed with explanation
2018-09-11
Lebanon, OR
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-09-10
Grover Beach, CA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: HSBC Mastercard On XX/XX/2018, I made an electronic payment {$1800.00} to HSBC and On XX/XX/2018, the payment cleared my bank. This brought my balance to XXXX.
On XX/XX/2018, I tried using my credit card and a charge of {$87.00} ( XXXX XXXX ) was denied.
When I contacted them, they explained that the payment I made was being held for 2 weeks.
This was very poor customer service, appears to be unfair and a illegal business practice.
XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2018-09-08
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: On XX/XX/XXXX I received a text message from HBSC bank someone was trying to use my card. I was to text back yes or no if it was me then instructed to contact fraud. I contacted fraud department and I was told to destroy my card and a new one will be issued pin will stay the same the Rep said. I waited over the time frame for the card to arrive so I visit one of the local banks in XXXX XXXX NY. I went there to get money not only was I being denied my money because I refuse to sign like my ID signature which I signed when I was XXXX years old and my signature has changed for the past 14 years I have never had this issue. But then finally I was given money out of my account. Then I went to customer service to ask about the were about of my card. I was told they were not sure and I asked for a tracking number and was told there was no tracking number. I said that does not make sense and explained I will be leaving the next for work. I was told nothing can be done and the way I spoken to in front of my son made me really upset. I asked why do you guys not give temp cards XXXXl XXXX and XXXX give cards on the spot then I was told maybe it is best I transfer to that bank. After being with you guys since XXXX I am so upset for the treatment of my own money. Almost a month later XX/XX/XXXX I received my HSBC replacement card. I activated in the morning the same day used the card the same day with no problem. I went to ATM to find out my pin has been changed which I did not request, was not commutated my pin will change and did not received any type of mail about been change. Last night XX/XX/XXXX I had an emergency and went to with draw money which I could not do because my pin was not working. I contacted HSBC bank I was hung up on with firs rep when she said she could not find the card in the system. Called a different rep and I told I was my card is blocked for 24hrs. I explained I needed my card and then I open the app I was charged {$35.00} insuffient funds which is inaccurate I check my account almost everyday and never seen negative or under amount I need to use I am highly upset and I do plan on now leaving HBSC.
Company Response: Closed with explanation
2018-09-07
Yeagertown, PA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: XX/XX/18 Someone named Mr. XXXX called me and told me I was being sued and to gave me a fake court date. He gave me my ssn and my wife 's ssn. Then claimed that I needed to show up in court unless I settled the debt today. I asked which account it was for, how much, and who was he filing on their behalf. He wouldn't tell me. He then said I needed to be a decent human being and pay this debt today. After I asked him what account and when was it from, he began to launch personal attacks. He mispronounced my wife 's name and then just used her middle name. Then said that my wife could have done better than marrying a dishonest person like myself. And then he hung up on me. I called him back 4 different times. He continued the personal attacks and hung up on me each time. He then called my wife and continued the personal attacks. Not once did he say he was calling from a collection agency. Instead he claimed to be an attorney from XXXX XXXX. XXXX. He has now called my work numerous times. I told him not to call me there and call me on my cell. He purposely keeps calling my work and my wife.
Company Response: Closed with explanation
2018-09-07
MD
Closing an account
Checking or savings account: Checking account
Company closed your account
Complaint: I opened a checking account with HSBC on XX/XX/XXXX with a with a large initial deposit. The account was approved and the HSBC withdraw the funds from my external account. On XX/XX/XXXX I attempted to login to my account and received a notice that the account was suspended and to call a certain number.
I called the number and after 30 minutes was told that I was speaking to HSBC XXXX, not US. I called a different number and was put on hold for 1.5 hours and had to hang up. I tried again at XXXX XXXX and was on hold for 2 hours before the call was disconnected. I am just trying to figure out why the account was suspended and how to fix it but I can not get through to anyone. While I am waiting I do not have access to my money.
Company Response: Closed with explanation
2018-09-06
Can't contact lender or servicer
Payday loan, title loan, or personal loan: Title loan
Company Response: Closed with explanation
2018-09-06
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with explanation
2018-09-06
Brooklyn, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: My credit card was blocked by HSBC while i was having my vacation in XXXX. I have made a complaint regarding this issue and CFPB has closed the case after the company responded. However, I am very disappointed and dissatisfied with the respond and answer given by HSBC.The previous complaint case is XXXX.
I have received the HSBC replied letter on XX/XX/2018 and followed their instruction by signing and sending back the document on XX/XX/2018. On XX/XX/2018 I finally received a call from HSBC which mentioned that their call was to unblocked my card. The staff verified me by asking me some questions and i got transferred again and put on hold on the line for more than half an hour. They're really treating their customer as XXXX by transferring here and there. Finally, my card was unblocked after i made a call on XX/XX/XXXX again which i have to gone through another round of verification.
I totally dissatisfied with services and treatments that HSBC ( who claimed they're world class bank ) treating me. Firstly, before HSBC approve my card, isn't the company has done all the necessary verification and checking? As a huge and world class bank, i have doubt their policy and compliance. Secondly, If i did not made a complaint through CFPB, I think my card still is under status blocked which nobody from HSBC cares. Consumer like me is totally disappointed with this kind of treatment. Thirdly, from the letter that HSBC replied that they mentioned they unable to compensate me the bonus points as it is still under the promotion period which ends XX/XX/2018. This is totally unfair to me as the promotion period supposedly to be three months. However, HSBC has blocked my card and do not care to take up my case for more than two months. Yet they replied me that my card is still under promotion which is from XX/XX/XXXX where my card was finally got activated until XX/XX/2018. How ridiculous is this. Last but not least, I was unable to shop and buy the items i wanted during my vacation in XXXX. It was really a very negative memory and disappointed two weeks vacation which i have to kept calling the so called word class bank and spent on my limited cash on hand.
In addition, if the HSBC has done their checking and compliance properly, on XX/XX/2018 I could have spent more than XXXX dollar at the XXXX outlet. Which means, I have qualified for the bonus points on XX/XX/2018 and I have the evidence that I got rejected due to my card was blocked. It was so embarrassed that I kept trying and got rejected in the jewelry shop where everyone looking at me.
Company Response: Closed with explanation
2018-09-06
CA
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Complaint: In XX/XX/2016 I left a job in XXXX XXXX. I went to my bank ( XXXX an affiliate of HSBC ) and withdrew {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on XXXX XXXX, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my XXXX XXXX ( XXXX ) and stamped " refer to maker ''. They issued me a check in lieu of the original ( see attachment ), which I then attempted to deposit at XXXX XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one.
Since I was no longer in XXXX XXXX, I hired an attorney in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a POA. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXX, XXXX XXXX XXXX.
I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.
Company Response: Closed with explanation