HSBC NORTH AMERICA HOLDINGS INC

2018-08-24

Manhattan, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-24

North Hollywood, CA

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2018-08-24

Knoxville, TN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: The debtor filed bankruptcy in 2013 of the debt. The debt was later filed as a lien against me from XXXX XXXX XXXX, XXXX in XXXX County Court, Docket # XXXX. The debt was Discharged in Bankruptcy earlier yet XXXX WILL NOT properly communicate, address and release the lean. In contacting the company on XXXX, and XX/XX/XXXX, the department I am told that should address the issue has a phone number that leads to a machine where a message can not be left. They will not transfer me to anyone that can help, but state simply I must talk to the Bankruptcy department which is perpetually unreachable due to the phone number they transfer me to. Spoke to a supervisor on XX/XX/XXXX who encountered the same issue, but was unable to transfer the call to ANYONE who could help, but simply said they would send an email. So I'm to just sit here and wait?? I am in the process of trying to purchase a home and this has become a roadblock that I can not resolve. Please help me today!
Company Response: Closed with explanation

Timely Response

2018-08-23

Los Angeles, CA

Opening an account

Checking or savings account: Checking account

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

Timely Response

2018-08-23

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-08-22

Denver, CO

Opening an account

Checking or savings account: Checking account

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

Timely Response

2018-08-21

Carroll Station, NV

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

2018-08-21

Other transaction problem

Money transfer, virtual currency, or money service: International money transfer

Company Response: Closed with monetary relief

Timely Response

2018-08-20

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

2018-08-20

Eastchester, NY

Problem when making payments

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

Problem during payment process
Complaint: Fw : XXXX Confirmation Number : XXXX - Dispute Received HSBC has engaged in a deceptive business practices related to my dispute. Where HSBC blocked my capabilities to make payments and at the same time commenced charging me interest. Since my initial complaint to HSBC nearly 4 months ago, I have received XXXX ( XXXX ) letters from XXXX XXXX, XXXX, Customer Relations dated XX/XX/2018 ; XX/XX/2018, XX/XX/2018 and XX/XX/2018, the latter received today, XX/XX/2018 all of which informing me that my complaint was being investigated. However, HSBC sent another threatening letter dated XX/XX/2018, HSBC Collection and Recovery Department, demanding a payment of {$140.00} believed including interest for which I do not believe I owe given the fact that HSBC created an inability to continue monthly payments. The interesting fact is that the two HSBC entities do not seemingly know what the other is doing and possibly the root cause of this entire mess created by HSBC. One of HSBC XXXX sends a letter dated XX/XX/2018 confirming prior letters that this matter is under investigation while HSBC XXXX and XXXX Department on XX/XX/2018 between the HSBC XXXX, XXXX XXXX, letters of XX/XX/XXXX and XX/XX/2018 sends an HSBC Letter of Demand on XX/XX/2018? XXXX See Attached letters ) In closing, to resolve this matter three ( 3 ) things must take place : ( 1 ) re-establishment of my HSBC in-line capabilities for making credit card payments and the reinstatement of my previous credit line ; ( 2 ) removal of all interest charges commencing XXXX, 2018 ; ( 3 ) written apology for having to endure HSBC Maltreatment and obvious harassing business practices. Respectfully, Signed on this the XXXX day of XX/XX/2018 XXXX image
Company Response: Closed with explanation

Timely Response

2018-08-20

Ft Charlotte, FL

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2018-08-20

Itasca, IL

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: We closed our HSBC Platinum MasterCard credit card account on ( or shortly after ) XX/XX/XXXX. The card still had a balance at this time. Upon closing the account, we were forbidden from making payments online. However, no paper statements were ever mailed and no payment address was provided online. We repeatedly called and asked to be sent statements. On XX/XX/XXXX, we made a monthly payment over the phone and requested again to be sent a monthly statement ; in response, the statement for which he had just paid was sent, but no further statements were sent and no due dates or amounts due were ever provided. On XX/XX/XXXX, we were charged a {$25.00} late for failing to make a payment, even though we never received a bill and were not allowed to pay online. Our account, which previously carried 0 % interest until XX/XX/XXXX, is now incurring interest daily. Furthermore, our credit score is potentially damaged due to the late payment. All of this appears to be a deliberate attempt to extract fees and interest from customers by forcing them to miss payments on their account.
Company Response: Closed with explanation

Timely Response

2018-08-17

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

Timely Response

2018-08-17

San Jacinto, 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: Dear CFPB, I am XXXX XXXX. My email address is XXXX. My phone number is XXXX. My wife and me took two cruises with XXXX XXXX from XX/XX/2018 to XX/XX/2018. I used HSBC credit card. This is a copy of my ship card. ( See attachment ) I got a bill from HSBC, they requested me to pay {$410.00} to XXXX XXXX and {$150.00} to XXXX XXXX XXXX. ( See attachment ) I paid them, but I filled out a dispute form. ( See attachment ) I got a letter with HSBC, they said " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to pursue this matter further. '' I wrote a complaint to you. Please help me to refund back my money {$150.00}. Thank you.
Company Response: Closed with explanation

Timely Response

2018-08-16

IL

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 XXXX is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XXXX and purchased buy PR in XXXX. I have never made a payment or promise to pay to this company. I recently reviewed my credit report ( XXXX ) and found that XXXX XXXX is doing inquiries on my credit report as follows : XXXX : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. I am now XXXX years old which would most likely preclude full-time employment. Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. Thank you for your help.
Company Response: Closed with explanation

Timely Response

2018-08-16

NY

Closing your account

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

Can't close your account
Complaint: I applied for an HSBC credit card and was approved. This was on XX/XX/18. Since then I have been unable to use the card because the account has been frozen. I have been trying to contact the conpany since I recieved the card and haven't been able to speak to anyone that can help. Every time I call " Customer Support '' I am on hold for 20 minutes and then the person answering says they have to transfer the call to another department. This happens over and over until finally they either hang up or tell me to call back later. It has been over 6 weeks and all I want now is to close the account - but I can't even do that without talking to someone.
Company Response: Closed with explanation

Timely Response

2018-08-15

New Orleans, LA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XXXXXXXX XXXX placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which HSBC said was uncollectable. It was taken off my report and thought that was the end of it. On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off. It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.
Company Response: Closed with explanation

Timely Response

2018-08-15

Fondren, TX

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

2018-08-15

Chicago, IL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2018-08-15

Flushing, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-08-15

Far Rockaway, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-14

Neptune, NJ

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2018-08-14

Garrett Park, MD

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: I have been trying to withdraw money from an online savings account. I set up a transfer on the Banks website. I subsequently received an email stating that I need to to contact the bank for security reasons. A phone number was provided. I have called the number numerous times prior. Each time I am on a phone hold for an hour or more. This occurred both during the business day and in the evening. I called the general customer service number of the bank and a merely transferred me to the same phone queue for security. So, I have been completely unable to have access to my funds.
Company Response: Closed with explanation

Timely Response

2018-08-13

Dallas, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: A person named XXXX XXXX contacted me ( on XX/XX/XXXX ) referencing old contact information and the last 4 digits of my SSN claiming I owed a balance on a debt with XXXX XXXX that I settled over 7 years ago with a 3rd party collector ( XXXX XXXX ). He said that although I paid a settlement amount, I still owed a balance ( an amount which couldn't be correct as I settled the debt ) and that the last payment I made was in XXXX which is also not true. I didn't make payments. I settled the debt in one sum in XX/XX/XXXX and I have bank records showing I made my settlement payment. This debt does not show on my credit but he threatened that he'd report it unless I paid him this alleged balance. He also fished for my current contact information, which I did not give as I did not want to invite further contact. I told him repeatedly that what he is claiming was not correct and that I'd paid the debt. Someone called again today from the same area code/prefix and this time the caller ID identified the business as XXXX XXXX XXXX ( XX/XX/XXXX ). They left a voicemail referencing a problem with my account and to call them immediately. I did not return their call. I researched XXXX XXXX and can see that XXXX XXXX works for them. Neither voicemail nor conversation provided any disclaimers identifying who they were or why they were entitled to collect on this alleged debt.
Company Response: Closed with explanation

Timely Response

2018-08-13

Mount Tabor, NC

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