HSBC NORTH AMERICA HOLDINGS INC

2018-09-05

Millville, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX keeps reporting the same time barred debt on my XXXX Credit report I have disputed several times and XXXX says they verified it was mine and leaves it on my report XXXX XXXX changes the open date and account number so that XXXX claims it not to be a duplicate Debt. This is a HSBC account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted XXXX and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. XXXX XXXX claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XXXX and XXXX and they do not provide anything because they don't have it. XXXX at XXXX XXXX even admitted over the phone it was a old HSBC debt. XXXX also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to XXXX XXXX incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly
Company Response: Closed with explanation

Timely Response

2018-09-05

Simi Valley, 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
Company Response: Closed with explanation

Timely Response

2018-09-04

Bowie, MD

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-09-04

Yonkers, NY

Fees or interest

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

Charged too much interest
Company Response: Closed with monetary relief

Timely Response

2018-08-31

Weston, CT

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I applied for a checking account at XX/XX/2218 with HSBC with a reward of {$750.00} if I maintain a certain balance for 3 months. They rejected my application because they could not run my credit report??? Its currently frozen due to the XXXX breach. Interesting that they would turn my money down to open an checking account without seeing my credit report? My wife then applied on XX/XX/18 whom does not have frozen credit. She applied and at the completion they told her to wait. Its now XX/XX/18 and HSBC is still making us wait after more then a week?? This just sounds fishy?? HSBC has all our sensitive information in both applications and we are not happy. I almost feel as if they are gathering our personal information for future endeavors without going forward with this program.
Company Response: Closed with explanation

Timely Response

2018-08-31

NY

Closing your account

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

Can't close your account
Complaint: i called hsbc to get a refund of {$2.00} owed to me, they have now put me on hold, told me they have to review it ( i received this credit owed on my bill ) and every time they call to go over the account???? they have kept me on hold 20 minutes hung up then 25 minutes and hung up. unable to reach a person. i just want to cancel this and write a bad review somewhere, terrible customer service over {$1.00}
Company Response: Closed with explanation

Timely Response

2018-08-31

Cantonment, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-08-31

Hicksville, NY

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2018-08-31

Soquel, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a new HSBC Advance checking account with {$350.00} new account promotion online in XX/XX/2018. I fulfilled all the promotion requirements by applying the account online and maintaining over {$10000.00} balance. The latest time when I would receive the {$350.00} bonus, based on the promotion terms and conditions, should be before the middle of XX/XX/2018. But till now, XX/XX/2018, I still did not get the bonus. I tried almost 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives agreed that I satisfied all the promotion 's requirements. They even told me my case was reviewed and the bonus credit was approved by a manager. The latest date, when the bonus credit was promised to be posted on my account, is XX/XX/2018. BUT, today is XX/XX/2018. In addition, most of the representatives asked me to wait and promised that somebody was working on my case. BUT, waiting after waiting, nothing was updated for my account balance. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA did not give me the bonus as promised. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for almost 10 times.
Company Response: Closed with monetary relief

Timely Response

2018-08-30

Bay Terrace, NY

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2018-08-30

Fort Lauderdale, FL

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2018-08-30

FL

Credit monitoring or identity theft protection services

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

Received unwanted marketing or advertising
Complaint: XX/XX/XXXX : I noticed by reviewing my credit report that a new credit card account had been opened, without my consent. I did not open the account, nor did I receive any credit card in the mail, and therefore did not have an account number to refer to. XX/XX/XXXX-XX/XX/XXXX : made several attempts to contact HSBC and close account, with no success. XX/XX/XXXX : wrote letter to HSBC demanding the account be closed and a letter mailed to me stating such. I filed a police report. XX/XX/XXXX : I still have not received any correspondence from HSBC, and have never received anything from HSBC.
Company Response: Closed with explanation

Timely Response

2018-08-30

Portland, OR

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-08-29

Tulsa, OK

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: HSBC sent a letter of intent to foreclose on a property that was sold to and being serviced by another lender, XXXX XXXX. HSBC would not return my calls. I sent a letter to the local attorney by certified mail, responding to a notice ( asking who owned the loan, who serviced the loan, and total amount due on the loan ) and the attorney never responded in writing or returned any of my repetitive messages. HSBC filed a document with the XXXX XXXX XXXX XXXX XXXX with someone else 's name as an owner on my mortgage foreclosure documents. Someone named XXXX XXXX was signing off on my mortgage foreclosure and I don't even know her. The proof of affidavit was delivered and signed by XXXX XXXX. She was never on the loan that I acquired and never on the deed. Something wrong has gone on which is why I am unable to get any answers. Please help us.
Company Response: Closed with explanation

Timely Response

2018-08-29

Lewiston, MN

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-08-29

Cocoa, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2018-08-28

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-08-28

Spencer, MA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-08-28

Wallington, NJ

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: HSBC advertised that I would receive {$150.00} in cash credit on my credit card if Charged {$500.00} within 3 months. I spent this amount within the 3 months. I tried repeatedly to receive the {$150.00} credit! I wrote 2 letters to the bank president. No answer! I was given the executive offrice telephone number. No answer! I left a message and a computer voice said I would receive a call withi 24 hours. No call! I tried again! No call! I was given a consumer help number! But it was not a working nunber! I wanted to know my PIN number bipartisan this was impossible to get as aforementioned!
Company Response: Closed with explanation

Timely Response

2018-08-28

Key Biscayne, FL

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: 1.On XX/XX/2018, I received a telephone call from my relationship XXXX at HSBC Bank USA where XXXX had been a customer for over 18 years advising me that she had been instructed by the Compliance division of the bank to " exit the relationship '' and that it would be closing my accounts on XX/XX/2018. The full back ground which appears to have led to that decision is summarised in an e mail dated XXXX XX/XX/2018 which I sent to XXXX XXXX XXXX, my Relationship XXXX at the bank. A copy of that e mail is attached to this complaint. 2. For the reasons which are fully set out in my e mail to XXXX XXXX I was wholly bemused by the decision. But I am aware that the decision can not be challenged, nor can I be advised of the reason for it. So I shall have to make alternative banking arrangements. 3. But I regard the amount of time afforded to me to make alternative banking arrangements - seven working days - as wholly impossible to achieve. All banks have KYC procedures and I am aware that these can take between fourteen to twenty eight days to conclude before an account can be opened. So the time scale for closure specified by HSBC will leave me without a bank for as a minimum a period which I estimate to be three weeks ; and will inevitably result in : a ) regular payments from the account I have mandated to third parties being unpaid, resulting in, among other things, a negative impact on my credit score ; and, b ) regular payments into the account being bounced back, since given the inadequate period of notice for the account to be closed, I shall not have time to re route these payments to the new account 4. I have requested that the bank extend the period for closure for a minimum of period of a month. To date they have not confirmed they will do so
Company Response: Closed with explanation

Timely Response

2018-08-28

TX

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: hsbc had offer to open a cking acct, they ask questions that did not relate to me, like loans from banks i dont deal with.
Company Response: Closed with explanation

Timely Response

2018-08-27

Charles A Hayes, IL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-27

Broadview, IL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-08-27

Brooklyn, NY

Managing an account

Checking or savings account: Savings account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-08-25

Kingstree, SC

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Complaint: In 2007 my husband and I took out a loan from Beneficial for {$10000.00}. This loan was not paid in full. Beneficial charged it off. Today, XXXX XXXX MY FATHER was contacted and was told they were going to put a lien on HIS property because he co-signed on this note. HE DID NOT CO-SIGN ON THIS NOTE. My husband did. This was from XXXX XXXX XXXX. Phone # was XXXX. They have upset my XXXX year old father and have made him feel like he was going to lose his property when he didnt even co-sign on this note to start with. They evidently looked up his background and saw he had perfect credit and land.
Company Response: Closed with explanation

Timely Response