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 47
2018-08-12
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: Don't do as XXXX XXXX XXXX, rushing to file lawsuit. I need more time and making progress to solve my financial problems. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.
Company Response: Closed with explanation
2018-08-11
Itasca, IL
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was paid
Complaint: HSBC/Beneficial or the XXXX XXXX lied to the Consumer Financial Protection Bureau, stating that they weren't trying to evict me. They provided such a response to this Office XX/XX/XXXX. Began filing subsequent eviction suits against me UNDER SEAL XX/XX/XXXX, and XX/XX/XXXX. They used an unqualified foreign corporation as the litigating party, XXXX XXXX XXXX, XXXX. Wrongfully obtained an eviction order XX/XX/XXXX. The Illinois Business Corporation Act bars such corporations from filing suits in an unqualified state ( See XXXX XXXX XXXX ). The corporation prevailed even though fraud was present in its notice/demand and its motion for summary judgment was unsupported by contravening evidence. The mortgage on my home was satisfied and released, and the foreclosure suit was found to be unauthorized by the Federal Government. Attorneys are reluctant to assist me with the eviction suits because they are sealed. They can't look the cases up from their office. Through XXXX XXXX XXXX XXXX, this corporate has also caused to be recorded a false and fictitious quitclaim deed against my property XX/XX/XXXX. HSBC is seeking to take my home using forgery or theft by deception.
Company Response: Closed with explanation
2018-08-11
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: I made a rewards purchase of a set off XXXX pots using my HSBC credit card around XX/XX/18. I received the pots around XX/XX/18 and was unsatisfied so, I immediately contacted HSBC by phone for an RMA. They said it would take two weeks for the RMA number to arrive in the mail. While waiting I order a different set of pots with my reward points. I was subsequently contacted by over five different agents asking the same questions over and over and refiling multiple claims but still no RMA as of XX/XX/18.
Company Response: Closed with explanation
2018-08-10
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-08-09
Brooklyn, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Company Response: Closed with explanation
2018-08-09
Brooklyn, NY
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-08-08
San Francisco, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: On XX/XX/2018, I paid my HSBC credit card balance off in full. The money was deducted from my checking account with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. My card was declined when I tried to buy food from a food truck on XX/XX/2018. On XX/XX/2018 at XXXX XXXX PST, I called HSBC to inquire why my credit card was declined on XX/XX/2018. The customer service rep told me that because the payment was such a large amount ( {$1000.00} ) HSBC had to investigate and verify the payment. When I asked why it was taking them 10 days, she said that she did not know, but that the card would be available for use on XX/XX/2018.
Two things are unacceptable : 1. That it took 11 days to process my payment. 2. That I could not use my credit card for 11 days.
If I do not get this resolved to my satisfaction, I will pursue legal action.
Company Response: Closed with explanation
2018-08-08
Atascadero, CA
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
2018-08-07
Loves Park, IL
Opening an account
Checking or savings account: Savings account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-08-07
Cincinnati, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-08-07
Lewisville, TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: On XX/XX/XXXX, at XXXX XXXX., I received a phone call from a gentleman calling from XXXX. The gentleman on the other end of the phone ( who did not identify himself or where he was calling from ) informed that he had sent a certified letter to my home which had just been returned to his office and he had a XXXX XXXX from their legal department on hold to speak to me. At this point, I was quite suspicious as I have recently been laid off my job and am at home 90 % of the time and at no time did the postal worker attempt to deliver a certified letter or leave a notice that one had tried to be delivered.
Once on the phone with Ms. XXXX, I was inundated with threatening and untruthful and deceptive statements from this woman. She informed me that there was legal action pending against me if I did not clear this debt with her right away or sign a promissory note that I would pay this supposed debt by the end of XXXX and I had to make a decision on how to pay right that minute. She informed me that the debt was approximately {$1300.00} and that they would settle out of court for {$580.00}, then retracted that and said that the courts had rejected that settlement and that it would be {$690.00} plus some change.
I asked her about the debt, as I had just paid off all my debt when I was laid off and couldnt think of anything that I had forgotten about, she then upped her tone and told me that the debt was from HSBC Bank from XX/XX/XXXX and that the last payment on the account was in XXXX. I politely asked that she call me back in a week so I could research this issue on my own as so much time had passed, and I did not remember any debt from that time period that had not been taken care of. I also asked for information of this debt in writing to be sent to my home address as this was first time I was hearing about this. Ms. XXXX immediately escalated her threats, stating that her company had already investigated the debt, including an asset investigation and fraud investigation, among other investigations and that I had NO recourse but pay the debt immediately or they would take legal action against me and put a lien on my car and its registration, effectively blocking all future registration on my car until this supposed debt was satisfied.
Finally, I asked her what company she was with as it became apparent she was not with HSBC Bank and she informed me she was with XXXX XXXX. I told her that our conversation was over as I needed to research this issue further. Ms. XXXX then informed me that I had until noon on XX/XX/XXXX, to make a decision on how I was going to pay or the legal action would proceed forward. She gave me her number as XXXX in case I had any further questions.
As soon as I was off the phone, I began to research this company and found several similar complaints against this company and their aggressive and deceptive collection practices. In many of the complaints there said that there was a resolution in the matter and that the employee was fired as she was not in compliance with the companys policies. WHAT??? How can you have a multitude of complaints extremely similar threats over a course of many years and not have this be your companys business practice??? I believe this companys actions are in violation of not only the Fair Debt Collection Practices Act, but also the Texas Debt Collection Act and the Texas Deceptive Trade Practices/Consumer Protection Act, not to mention if this is a true debt, it is well beyond the Texas Statute of Limitations of 4 years.
If this is/was a legitimate debt, I would have no problem making arrangements for repayment, but after more than 8 years I seriously question the validity of debt PERIOD and feel this is a scam or some other form of fraudulent practice to extort monies.
Company Response: Closed with explanation
2018-08-07
Brooklyn, NY
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
2018-08-07
Brooklyn, NY
Incorrect information on your report
Checking or savings account: Other banking product or service
Account information incorrect
Company Response: Closed with explanation
2018-08-06
Doral, FL
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-08-06
Palos Park, IL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by XXXX XXXX XXXX. I had received neither phone calls nor written notice of this debt owed to HSBC. I have never had any business with HSBC. This is not my debt. I called XXXX XXXX services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from HSBC, the original creditor. I reached out to HSBC and they assured me that this wasn't my account and I have ties to this account. I attached a letter from HSBC stated that I am not affiliated with this account in no fashion.
Company Response: Closed with explanation
2018-08-06
Key Biscayne, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Complaint: Hello, I opened a credit card account to HSBC. Account was approved. Then, I wrote a check for a balance transfer. It was first approved and then denied as it was " dishonored and returned ''. I tried to call the company and the special dept that takes care of this problems is never available or they do not respond. I tried then closing the account and they say the only one that can do that is the special department but they are unreachable. So, I have a credit card that I opened and I can't used and I can't close neither.
Company Response: Closed with explanation
2018-08-03
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-08-03
Sacramento, CA
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
Company Response: Closed with explanation
2018-08-03
Tulsa, OK
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2018-08-03
San Jacinto, CA
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: Hi, I am filing this complaint because I am not able to reach certain department of the XXXX XXXX to solve a verification issue which cause my bank account to be on hold.
I received a email from the Security & Fraud Risk department asking me to call back to solve a issue, with a reference Number XXXX XXXX. I called the number according to their instructions for several times, but its impossible for me to reach this department. I had to hold for more than 2 hours once.
I need access to this bank account as soon as possible. And XXXX XXXX should call me as soon as possible to solve this since they failed to provide a way of communication. My phone number is XXXX XXXX.
Company Response: Closed with explanation
2018-08-03
Golden Isles, FL
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
2018-08-03
Central Point, OR
Managing an account
Checking or savings account: Other banking product or service
Funds not handled or disbursed as instructed
Company Response: Closed with explanation
2018-08-02
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: On XX/XX/XXXX I initiated a {$2300.00} transfer from my XXXX checking account to my HSBC checking account. On XX/XX/XXXX, unbeknownst to me, HSBC unilaterally closed all of my accounts. XXXX attempted a reversal of the {$2300.00} on XXXX, which HSBC rejected. The money was never sent to me by HSBC nor was it credited back to my XXXX account. It is now XXXX. They are telling me that they do not have my money - tough luck. XXXX tells me they have the evidence that the money was not sent back. HSBC is being very wishy-washy.
Company Response: Closed with monetary relief
2018-08-02
Oak Forest, IL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-08-02
Virginia Bch, VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation