HSBC NORTH AMERICA HOLDINGS INC

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

2018-07-19

Pulaski, MS

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you in a state where you do not live or did not sign for the debt
Complaint: XX/XX/2014 I was used in court I never received notice or letter to go to court to defend myself, my bank account was garnished two time for a balance less than a dollar, the bank charged me a XXXX fee both times and placed a hold on my account. I didn't even get a notice from the bank, I received a letter by request from the company of triple charges and fees on 2 charged off credit card accounts, false signatures, and no full validation of these debts, I started making payments out of fear of my bank account being over draft or placed on hold, I have checked with the credit bureau and there is no listed debt or delinquencies.
Company Response: Closed with explanation

Timely Response

2018-07-19

Fort Worth, TX

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-07-18

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

2018-07-18

Money was not available when promised

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

Complaint: Our remittance of US {$170000.00} from XXXX dated XX/XX/2018 still not received by Beneficiary. The Fund remitted from XXXX To XXXX XXXX - via USA. But HSBC USA holds the fund from more then a month without any intimation to us. Pls find herewith attached SWIFT copy of remittance for your reference & follow up.
Company Response: Closed with explanation

Timely Response

2018-07-18

Bovina, MS

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-07-18

West Branch, 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 monetary relief

Timely Response

2018-07-16

Stanford, CA

Other transaction problem

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

Complaint: On XX/XX/2018, I transferred USD XXXX from my brokerage account at XXXX to my bank account at HSBC XXXX XXXX. The bank delayed my transfer for quite long time. After my complain ( Case # XXXX ) on your website, we got the money on our HSBC bank account on XX/XX/2018 and got apology letter from HSBC customer service as attached. But on XX/XX/2018, HSBC Bank suddenly returned my money to my brokerage account without any notice. We called XXXX XXXX XXXX customer service and the customer service person replied that she can't do anything and the relevant department didn't want to give any explanation. I also sent following email to the customer service manager of HSBC XXXX XXXX twice but got no reply : " On Sat, XX/XX/2018 at XXXX XXXX, XXXX XXXX <XXXX> wrote to <XXXX> : Dear XXXX, Regarding our transfer of USD XXXX from our XXXX account to our account XXXX in your bank, though the money arrived to our account on XXXX XXXX, the arrived money was returned to our XXXX brokerage account on XXXX XXXX. We didn't make such transfer and found the return was generated by system. We contacted XXXX and XXXX replied that it was not generated by XXXX and XXXX just received that money from your bank. Pls check whether your bank system generated this return transaction and explain the reason to us. Our family need to pay my son 's tuition and moving home expense in XXXX ( this month ). The delay of last transfer and this time 's automatic return by system caused us not only wasting a lot of our time and efforts but also worries and mental stress of potential default. It caused my wife 's XXXX XXXX. Looking forward to getting your prompt reply. Thanks Best, XXXX XXXX XXXX XXXX XXXX XXXX "
Company Response: Closed with explanation

Timely Response

2018-07-16

Flushing, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-07-15

Easton, PA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-07-13

Centereach, NY

Money was not available when promised

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

Company Response: Closed with explanation

Timely Response

2018-07-13

FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: 1st complaint : HSBC sent me a credit card that I hadn't applied for. I've spent over five hours on hold with HSBC in an attempt to report the ID Theft and ensure that the card has been coded as such and for them to remove any related reports from my credit reports. I wasn't able to get a person on the phone until today and then they refused to connect me to the department that handles fraud/Id Theft and refused to provide me with an address or fax number for me to send a police report and affidavit to report the ID Theft. The associate said that she can not assist me that I will have to be placed on a " lengthy hold '' to speak with someone who could assist me. I told them of my 5 hours of hold times and frustration to report the Id theft and they said they couldn't assist me. I asked for their manager and they refused. I advised that I am filing a formal complaint against HSBC and the associate wasn't concerned and they placed me on hold. 2nd complaint : After I formally communicated and provided proof of my victim status as a victim of ID Theft to HSBC and having received HSBC 's acknowledgement of the receipt of the unauthorized application that they've " Denied the application '', HSBC has now communicated to me that they approved the application and are reporting it to my credit reports. Since I've received this information from HSBC I contacted them and requested a fax and or address to resend the police report and FTC Affidavit for them to investigate and resolve the issue and the associate refused to assist me or transfer me to someone who could assist me. I advised them that I am filing a complaint against them and the associate placed me on hold until I discontinued the call because they failed to pick the line back up.
Company Response: Closed with explanation

Timely Response

2018-07-13

CA

Fraud or scam

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

Complaint: On XX/XX/18, I initiated a wire transfer from my account as HSBC USA to my own account at XXXX XXXX in XXXX for {$35000.00}. I logged into my HSBC account and initiated the transaction using a template that I set up in XXXX when I successfully transferred {$70000.00}. On XX/XX/18, the funds had not arrived. I contacted customer service and they confirmed that such a transfer should only take 1-3 business days. I was then told that my relationship manager had to provide additional information. This struck me as strange as I had no relationship manager ; had never been contacted by a relationship manager ; and that this was never a requirement in the past. Eventually, the representative took the required information on behalf of the non-existent relationship manager - the information was the exact same information as the wire instructions. The only additional information I supplied was the branch number, information that XXXX XXXX assured me was not necessary for funds to be delivered. HSBC said the funds would be wired that day. On XX/XX/18, I called again and was told that there were security issues and system issue so that the funds had not been wired, but that they would be wired that day. XX/XX/18, I called again and was given a series of excuses why the funds had not been delivered, but that an investigation was underway. After XX/XX/18, the communication switched to email ( attached ). I have been emailing the relationship manager and customer experience team ( who is in charge of the latest investigation ), but all email responses have ceased since XX/XX/18. I have called both teams, but no one picks up the phone. Conclusion : my account was debited on XX/XX/18 for {$35000.00}. As of XX/XX/18, the funds have not been delivered to my account in XXXX and HSBC is unable to tell me where the funds are. And HSBC does not respond to email or phone calls any more.
Company Response: Closed with monetary relief

Timely Response

2018-07-11

FL

Closing your account

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

Can't close your account
Complaint: I have requested that my HSBC Credit Card Acct. be closed over and over again however this bank is horrible and they refuse to comply. Its a simple request and shouldn't take an act of XXXX but obviously it does.
Company Response: Closed with explanation

Timely Response

2018-07-11

Atlanta, GA

Trouble using your card

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

Can't use card to make purchases
Complaint: I had a HSBC credit card taken few months back and used it for making purchases and also paid the amount in time for the initial statements. I don't know that my card is been blocked for security reasons and even I'm blocked from paying payments towards the amount used in the credit card. Its been almost 60 days by now that my card is been blocked and tried to reach them for 32 times waiting each time for 1 hr and my issue is still not resolved. Every time I make a call to them they say that this is not the concerned department and transfer the call to some other department and make you to go around making you to wait for almost a day if you want to stay on the call. The longest wait time I had on call is around 3hrs and this is one of the worst customer service you will come across.
Company Response: Closed with explanation

Timely Response

2018-07-10

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

Timely Response

2018-07-10

Monterey Park, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-07-10

PA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened an HSBC Advance checking account last XXXX with the {$350.00} account opening bonus attached, with the requirement being to deposit {$10000.00} within 30 days of account opening, and to maintain that balance for 90 days. The fine print says the bonus will be paid within 8 weeks of meeting the requirements. I completed the requirements on XX/XX/XXXX - maintained the bonus for 90 days - however the bonus still hasn't been paid to this date. The fine print of the promotional bonus is attached below. I applied for the account online, and the account was approved via email on XX/XX/XXXX ( email attached below ). However, I did not get a link for registering for online banking until XX/XX/XXXX ( email attached below ). And I was only able to access my account on online banking on XX/XX/XXXX ( email attached below ). My initial deposit of {$1.00} was not deposited until XX/XX/XXXX as can be seen in my electronic statement below. I contacted an HSBC customer service representative by the name of XXXX, who confirmed in writing that the bonus requirement of depositing {$10000.00} " within 30 days of account opening '' means 30 days from the date of initial deposit, which means by XX/XX/XXXX ( 30 days from XX/XX/XXXX ). Additionally, the rep. confirmed in writing that the deadline for the deposit is in fact XX/XX/XXXX. The chat record can be seen below. After I deposited XXXX on XX/XX/XXXX, my account reached the balance of {$11000.00}, meeting the requirement of having a balance exceeding {$10000.00} on or before XX/XX/XXXX ( within 30 days of account opening/initial deposit as confirmed by the aforementioned representative ). This can also be seen in my electronic statement below. I have maintained a balance of over {$10000.00} for over 6 months, since XX/XX/XXXX, yet I have not received the bonus. I repeated contacted the customer reps over online chat and they all told me they wouldn't be able to submit any inquiries and that I had to wait - a few of them told me to wait until 8 weeks after the requirement was met, and then after that date, they told me to wait until the end of XXXX. Using XX/XX/XXXX as day 1, the requirement of maintaing a $ 10k+ balance for 90 days was met on XX/XX/XXXX. Adding 8 weeks to XX/XX/XXXX yields XX/XX/XXXX. It has been over 3 months since I've met the requirements, yet I still have not been credited the bonus. I chatted with a customer rep. last week who said they would submit an inquiry and on XX/XX/XXXX, I heard back from them saying I was ineligible due to " the account not being funded with the qualifying balance within the first 30 days of account opening '', clearly contrary to what the customer rep. ( XXXX ) informed me back in XXXX.
Company Response: Closed with monetary relief

Timely Response

2018-07-10

Wesley Chapel, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I realized I was a victim of identity theft when I received notification on my credit report that HSBC pulled my personal credit in XX/XX/2018. Then it began reporting a 'new ' credit card with HSBC XXXX I did not contact HSBC to open up this account. While doing research and calling HSBC I found out that the perpetrator not only called to apply for this card with my personal information but that he also went to the post office and changed my address to his personal address in order to receive my mail at his residence. I don't know this perpetrator is, and have placed a fraud alert on my credit reports. I also went to my local police department and I filed a id theft police report.
Company Response: Closed with explanation

Timely Response

2018-07-09

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

2018-07-09

Manhattan, NY

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-07-09

Laurel, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-07-09

Downingtown, PA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I still have not received my bonus per the conditions outlined in HSBC 's response letter.
Company Response: Closed with explanation

Timely Response

2018-07-08

Brooklyn, NY

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

Timely Response

2018-07-07

Irvine, CA

Took or threatened to take negative or legal action

Debt collection: I do not know

Seized or attempted to seize your property
Company Response: Closed with explanation

Timely Response