HSBC NORTH AMERICA HOLDINGS INC

2018-08-01

Oak Forest, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-01

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-07-31

Camp Springs, MD

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted you after you asked them to stop
Complaint: I have been contacted several times by a company that calls themselves " XXXX XXXX XXXX '' stating that they plan on filing an action against me. They said they would be charging me with bank-fraud because I had an account with HSBC that I felled to honor a payment arrangement I made with them in XX/XX/XXXX. I explained I didn't have an account with HSBC and wanted them to stop calling me. They have called my cell and my office and have threatened to deliver a summons to my job. I asked them to immediately communicate with me in writing and asked again that the calls be stopped. They told me the calls would continue as they have for the past 2 days ( XX/XX/XXXX-XX/XX/XXXX ). I am filing an official report as my first step in pursuing legal action against them.
Company Response: Closed with explanation

Timely Response

2018-07-30

NJ

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: Beneficial Mortgage is in violation of 12 CFR Part 1024 ( Regulation X ). On XX/XX/XXXX they insufficiently responded to CFPB case number XXXX in the following manner. 1- They have not explained why a wrong address and zip code was used in several documents as described in my original complaint. They did not provide a copy of the alleged tax return document they claim was used as part of the application process. 2- They have not explained how the legal description of the property that is allegedly used as security for the mortgage is not the legal description of XXXX XXXX XXXX XXXX . They reference Tax Map Number XXXX as a means of identifying said property. Tax Map Number XXXX is the same Tax Map Number used for three of my deceased parent 's properties ; all with individual deeds. It is well known a Tax Map Number is not a legal means to identify a specific property. 3- They have not explained why the account number was changed. 4- They state they erroneously provided the wrong persons credit report which was not my deceased mothers, however, they did not provide me a copy of the correct credit report. 5- They still have not explained why they have the wrong birth dates for both my deceased parents listed in the credit reports they provided. 6- They have not explained why they can not provide a copy of the appraisal for the XX/XX/XXXX mortgage they underwrote. Beneficial continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.
Company Response: Closed with explanation

Timely Response

2018-07-29

Kansas City, MO

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I initiated opening a checking account with HSBC on XX/XX/2018 through their website, which offered a {$200.00} bonus if I deposited {$1500.00} and maintained that balance for 90 days. The account was officially opened as of XX/XX/2018, and the {$1500.00} balance was credited to the account on XX/XX/2018. The {$1500.00} balance still remains in the account to date. They are refusing to pay me the bonus as offered on their website.
Company Response: Closed with explanation

Timely Response

2018-07-29

Adelphi, MD

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-28

Arlington, VA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Reference is made to my complaint XXXX about HSBC. On XX/XX/2018, HSBC issued a letter, in which XXXX XXXX XXXX, Vice President for Customer Relations, clearly admitted fault on the part of HSBC and asked me to " expect the credit to be posted to [ my ] account by XX/XX/2018. '' A copy of the letter is included for your review. Considering your mission to have been accomplished, you immediately closed the case, simply because the company responded to my complaint. The problem with your approach is that the letter from HSBC was yet another lie and, as of XX/XX/2018, the credit was not posted to my account.
Company Response: Closed with monetary relief

Timely Response

2018-07-27

Adelphi, MD

Trouble during payment process

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2018-07-27

Lebanon, OR

Confusing or missing disclosures

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Closed with explanation

Timely Response

2018-07-26

Kingstree, SC

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-07-25

Woodland Hills, CA

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

2018-07-24

Occoquan, VA

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: I opened a ( new ) joint Premier Savings Account at the HSBC Bank branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/2018 in response to a special invitation/promotion. According to the terms of the promotion, HSBC would deposit {$750.00} into all new accounts if the new account holder would open the account with at least {$100000.00}. The {$750.00} deposit would be made by HSBC in " approximately 8 weeks of depositing a minimum of {$100000.00} into the new account by XX/XX/2018. We deposited {$170000.00} on XX/XX/2018 thereby meeting all the terms of the promotion. I should have received the {$750.00} by 8 weeks or by XX/XX/XXXX. I have not received the {$750.00} deposit as of XX/XX/2018. I called the bank 's customer service line at the end of XX/XX/2018 and on XX/XX/2018 and was only told that there was an issue with their system, and they were not helpful. I met with Mr. XXXX XXXX, the branch manager ( Tel : XXXX ) at the end of XX/XX/2018 when he assured me that I should see the deposit within a month. Since I did not see the deposit on my next bank statement, I called Mr. XXXX on XX/XX/2018 to inquire about the status of the deposit, he told me that there was an issue with their system and therefore he could not deposit the {$750.00} as I had requested.
Company Response: Closed with monetary relief

Timely Response

2018-07-24

Soquel, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XXXX, XXXX I opened an account in HSBC bank, XXXX branch, CA. I was told that I would receive my debit card after 2 weeks. My husband transferred me {$10000.00} from his account in another bank. We checked that money was deposited on XXXX, XXXX. After that, since I didn't receive my debit card I never logged in my account or whatsoever. On XXXX, XXXX I logged in my mobile app and realized that all {$10000.00} was gone. The activity started on XXXX, XXXX and last transaction was on XXXX, XXXX. I have never received this debit card, never activated, never knew what was going on. I immediately reported this situation to the fraud investigation department on XXXX, XXXX. They closed my card and told me that they needed to investigate this matter. I asked if I needed to do anything else, they said no. On XXXX, XXXX I called the fraud investigation department to find out the case status and was told that I should have filed a police report and USPS claim about mail theft. One more time, on XXXX, XXXX I was told that I didn't have to do anything. Besides that, the person I was talking to thought that only several transactions were fraudulent, not the entire activity with the account. On XX/XX/XXXX I called the investigation department to provide with the police report number and they told me that I need to give them the detective 's number and his contact information as well. So I gave them police report number and said that would call later with additional information. On XXXX, XXXX I called the investigation department to give the contact information of the detective who's been assigned to my case and found out that the police report number is not in my file. And they don't know again about entire fraudulent activity with my account. Eventually, I submitted the detective 's contact information to the fraud department. The entire time I was feeling that nobody wants to work with me to resolve this issue, I was never contacted, I had to call and email all the time trying to find out what is an update on my case. Today on XX/XX/XXXX tenth day of investigation I called the fraud department and was told that my claim was denied. They also said that I need to go to the branch to view the photos of the person who was using my card. I do not understand why my claim was denied, I have nothing to do with any of the transactions with my account, I have never had possession of this card. I requested my claim to be reopen and {$10000.00} to be credited to my account. The bank also refused to provide me with the credit during the time of investigation.
Company Response: Closed with explanation

Timely Response

2018-07-23

Madison Square Sta, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-07-23

E Massapequa, NY

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2018-07-21

Money was not available when promised

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

Complaint: on XX/XX/2018 i sent a wire transfer to a bank for {$4500.00} to help a friend with travel arrangements the beneficiary was the travel agency. my bank in hawaii and XXXX XXXX XXXX have traced the wire transfer to the beneficiary.that the wire was complete however the travel agency is saying the bank did not receive the funds. I have all the files regarding this transaction as well as all the evidence showing the wire was complete. I have tried to e mail it to you as well as faxed it but I have not heard from you confirmation that you recieved it. Could you please HELP me??????
Company Response: Closed with explanation

Timely Response

2018-07-21

Woodland Hills, 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

2018-07-20

Sacramento, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: XXXXXXXX XXXX XXXX continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) HSBC credit cards ever. Both were charged off in XXXX and XXXX. XXXX continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although XXXX XXXX services admits that I only have ( 1 ) collection account, they continue to verify with XXXX ( 2 ) collection accounts. I am asking XXXX to stop reporting the account # XXXX They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute XXXX XXXX XXXX on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including HSBC into this complaint. Because XXXX continues to say these are different accounts. The account numbers do not match up because XXXX and HSBC use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. I need from HSBC : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with HSBC, the original creditor. I NEED HSBC IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. Thank you for your cooperation.
Company Response: Closed with explanation

Timely Response

2018-07-20

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-20

Rosenhayn, NJ

Problem when making payments

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

Problem during payment process
Complaint: On XX/XX/XXXX I made an early payment of {$50.00} to be applied to my account over the phone with a representative for the XX/XX/XXXX. My payments are not due until the XXXX of every month. I got a confirmation number of XXXX. Recently I called to question my rewards and found out my payment was rejected!!! I asked why and the representative could not give me an answer! I said it can't be insufficient funds there is money in there! I said why did they give me a confirmation number and ALSO why was I not notified through an email? I spoke to XXXX and XXXX on the XXXX and I was told someone would get back to me and no one has! I then got fed up and called back again to find out what was going on. XXXX XXXX, another " supervisor '' has to be the rudest, most unprofessional customer service rep I have ever spoken to! She told me it is not their responsibility to let me know my payments are rejected. Well it surely is if I got a confirmation number and since it's not a problem with insufficient funds it's definitely THEIR ERROR which means it's even more of a reason for me to get notified!!! Her attitude is HORRIBLE and I let her know that she is not fit for her job. She did nothing but talk in circles and repeating that someone is investigating this and will get back to me and still no one has called me with an answer! I think this credit card company is shady and wants me to accrue late fees and their customer service is the WORST!!!!!!
Company Response: Closed with explanation

Timely Response

2018-07-20

OH

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
Complaint: I purchased a XXXX XXXX XXXX convertible vehicle that I originally leased in the state of Ohio in XX/XX/XXXX. The original fiance company was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, CA XXXX. The purchase price was {$8300.00} and the loan maturity date was : XX/XX/XXXX. I was mailing my payments at the end of the loan to Illinois and I believe that XXXX was purchased by HSBC? I received my title once the vehicle was paid off and put it in my lock box for safe keeping. Fast forward to XX/XX/XXXX. I sold the vehicle this week to someone and signed over the title. When this individual attempted to register the title and get plates he was told that the vehicle had a lien on it. He immediately called me. Here is the documentation and steps that took since yesterday to resolve the issue : Lien Issue : Immediately called XXXX Lease Trust who owned the vehicle and they are sending a lien release. ( Approx. XXXX ) State of Ohio XXXX title division- XXXX- pulled up my title and said that they shouldve been a signature from XXXX for a lien release and that I must contact XXXX XXXX to get it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX- called number online. It is now XXXX XXXX. You must know an individual extension number to reach someone. Dialing XXXX does not work. Called the FDIC : they do not cover XXXX as it is a finance company and they are not monitored by the FDIC. Was told to contact one of three agencies : CA Secretary of State, CA department of motor vehicles, or the Federal Trade Commission. Gave me phone numbers to all three. Called the CA Secretary of State re : XXXX XXXX XXXX XXXX CA : XXXX. Talked to a call center representative ( did not get her name as I was too upset at this point ). She told me that I have to call the Department of Motor Vehicles ( CA ) and speak to the field office. Gave me the phone number. She said that the Secretary of State does not monitor business closings and where information is transferred. Called : Department of Motor Vehicles- CA : XXXX ( XXXX XXXX est ) and received a recording that there were a high number of calls- was disconnected automatically. Called again. ( XXXX XXXX est ) was on hold for 1 hour and 10 minutes before I spoke to someone in the field office they were unable to assist after attempting to pull up my VIN number as they purge every 4 years- Asked where the information is purged to and she said the ether and that it is gone for good- no information. XX/XX/XXXX XXXX XXXX- Called XXXX at Ohio XXXX title- said the only two options was to try to track down the lien sale or to do a court order title. She said to continue using XXXX to try to track down company that purchased titles from XXXX and ask for the Title Administration office. Called XXXX ( XXXX XXXX ) and was told that they only go back 6 years for information and since payments were from XX/XX/XXXX that information is gone. No one is able to retrieve it. Asked about going into the bank to get information and she said they have the same info and would not be able to pull vendor information. Federal Trade Commission : XXXX XXXX am XXXX, unable to help but transferred me to.. ( XXXX XXXX ) - Consumer Protection Bureau : XXXX Talked to XXXX. File a complaint against XXXX XXXX XXXX XXXX ( consumerfinance.gov ) - upload the forms to the complaint They work to get a response to the company. It can take up to 15 days. Final response within 60 days. Case number : keep it handy if you need to call in and get an update. Filing a complaint should include : Most current company that held my title. I can also file with the Better Business Bureau I am seeking to find out who owns my title and the current company responsible for my title. I would also like to have my Lien release mailed out to me immediately.
Company Response: Closed with explanation

Timely Response

2018-07-20

Indiahoma, OK

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2018-07-20

Sacramento, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: HSBC, I am enclosing a response from XXXX XXXX XXXX XXXX stating an Account # XXXX from HSBC that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an HSBC card since XXXX and this account does not belong to me. Please read the response below from XXXX XXXX XXXX XXXX and verify the accuracy. Thank you : To Whom It May Concern : MrXXXX XXXX is referring to a different account number. XXXX XXXX XXXX, XXXX account number for HSBC is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. MrXXXX XXXX tried to remove himself from XXXX two times. Thank you In response to XXXX XXXX XXXX, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. HSBC is the original creditor and I will await their response to this matter. Thank you!
Company Response: Closed with explanation

Timely Response

2018-07-20

Hamden, CT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-19

Knights Ferry, CA

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