HSBC NORTH AMERICA HOLDINGS INC

2018-06-27

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-06-27

W Warwick, RI

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

2018-06-26

Blackhawk, CA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-06-26

La Habra, CA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-06-26

Burlingame, CA

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Complaint: I believe that the HSBC bank is needlessly engaging in conduct that enables identity theft. I have not to my knowledge been victim of any fraud yet, but I feel I need to escalate this, since it is my impression that a large number of customers could be exposed through this leak. The issue is this : HSBC asked me for my mother 's maiden name, and SSN upon opening my account, and asks for them when I call them on the phone, all of which is of course customary. However, what I discovered is that having logged in on their online banking website, the browser shows me my mother 's maiden name, and the last four digits of my social security number ( on the " Apply for Credit Line '' subpage ). There is no reason for the website to show that information to me, on the contrary, if a hacker manages to get a key-loger on my computer, to lift my login and password, they would be able to leverage the HSBC leaking my last four of SSN and mother 's maiden name to be able to impersonate me on phone calls to HSBC or other banks. I am not familiar with the law, but I would expect it to state that one can not propagate personal information of customers except if there is good ( business ) cause, of which there is none here. Also, I would expect that banks are under obligation to make a good faith effort to verify my identity, if they get a phone call from me asking to make a wire transfer, but I can not see how HSBC can claim that asking for my mother 's maiden name satisfies that obligation, when their website leaks that piece of information to anyone with a keylogger. I have pointed this out to HSBC representatives in no uncertain terms, but the response I got was that they would " pass on '' the information to their web development team, without acknowledging the seriousness of the situation.
Company Response: Closed with explanation

Timely Response

2018-06-25

Empire State, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with monetary relief

Timely Response

2018-06-23

Oxford, GA

Closing your account

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

Can't close your account
Complaint: I WAS TRYING TO CLOSE MY CREDIT CARD ACCOUNT WITH THIS BANK ON XX/XX/2018.THEIR CUSTOMER SERVICE WAS VERY BAD. I WAS ON THE PHONE MORE THAN ONE HOUR. MY CALL WAS TRANSFER FROM ONE DEPT. TO OTHER. MORE OVER CALL CENTER WAS IN XXXX & THEY DID NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.I COULD NOT CLOSE MY ACCOUNT.
Company Response: Closed with explanation

Timely Response

2018-06-22

San Francisco, CA

Closing an account

Checking or savings account: Checking account

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

Timely Response

2018-06-22

Blackbird, DE

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I tried to open an HSBC Advance Checking account on XX/XX/18. I was declined. I think I failed the Auth Interview questions. I tried multiple times to contact HSBC and see what could be done toverify my identity ( i.e. send in SS card and Driver 's License ). I was told to call my local branch, so I called the XXXX, DE branch who said they can't do anything to open the account with the same terms ( {$350.00} reward ) for opening it online. I am looking for someone competent at HSBC to assist me with opening this account and honoring the {$350.00} reward if I deposit {$10000.00} within 30 calendar days.
Company Response: Closed with explanation

Timely Response

2018-06-21

Lebanon, OR

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-06-21

Wading River, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-06-20

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-06-20

Arvada, CO

Trouble using your card

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

Can't use card to make purchases
Complaint: About a month ago, I opened a credit card account with HSBC - it is a XXXX, cash rewards card. Then, a week ago, this card was declined at XXXX XXXX store. I have excellent credit score and have never had something like that happen without any communication from the bank. I tried calling the customer service number : multiple times I was placed on hold for " security department '' for over one hour and the call never got answered. Last week, I have called daily - same situation, call is picked up by someone who " doesn't have access to the account '' that tells me that account is blocked but not able to see why, and informs me they are going to transfer me to " security department '' - again after being on hold for over an hour the call does not get answered. On friday XX/XX/18, after spending 2 hours on hold, I looked up the local branch address and drove there while I was still on hold. There was one desk and one person there who informed me they do not deal with personal accounts, only with corporate ones and I need to call customer service. After multiple hours on the phone and demanding to be connected to someone who can explain the reason for the block, I spoke with XXXX in security department who was helpful in sending me an email with request of information need to confirm my identity. I emailed requested information back yesterday monday XX/XX/18. Again, no call back or any communication from HSBC. Today, my wife set her alarm for 30 minutes early to call early in the morning ( XXXX our local time ) because that is when I was told wait times are short. After being on hold for almost 90 minutes, XXXX from security department picked up the phone and said that they requested information from me but she can not tell her why the card is blocked until they received information. My wife told her that information was emailed yesterday, after that XXXX put her on hold and then came back to say that it was unacceptable because on the paystub copy ( for address verification ) I have blurred out my amounts and salary. My wife proceeded to say that we felt uncomfortable sharing any more financial information after not knowing why our card was blocked and already sharing SS number. XXXX said she can not help then. My wife asked if she can close the credit card account then, XXXX replied that " no, and it is not even your card ''. My wife said that she will get me on the line to speak directly with me to which XXXX replied - " Thank you for alling HSBC, good bye '' and hung up the phone. That is after being on hold for 90 minutes .... for multiple times. And the scary part is, when I log in online, I am not able to make any payments on the card and it does not show minimum payment due and total payment due. I am worried that I will end up with late fees and interest rate. This is not how I handle my financial life. Myself and my wife have excellent credit score ( about 850 ), we pay off all credit card balance by the end of each month and have never ever come across such unacceptable customer service and security concern. I could have been traveling with this card and been stranded ... When I asked if someone could actually call ME back o explain and review the account, I was informed that they are " not able to call out ''. I am at a loss of how to get this resolved after today 's hang-up. My trust has been violated and I WILL be closing this card as soon as I find out how. I would appreciate this company 's unethical practices being examined. And really, I just want to be sure in my financial security. Thank you
Company Response: Closed with explanation

Timely Response

2018-06-20

Sacramento, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: The debt collector ( XXXX ) has falsely " parked '' old debt on to my credit report that was found to part of identity theft from XX/XX/XXXX. They have tried to " reage '' this debt onto my credit report as being opened XX/XX/XXXX and owing {$1200.00}. They have also falsely and illegally reported twice on this same account for another {$1200.00}, and have falsely said this was opened XX/XX/XXXX. XXXX recovery services has illegally harmed my credit on a debt that is not mine. XXXX and XXXX cleared this identity theft over XXXX or 4 years ago. I have written XXXX with no response. I have asked them to remove this from my debt as I do not owe on this debt. Not only have they refused to give me information on this debt, they have now double reported on my credit report in an effort to collect more money from me. My next step is to sue them in court if this is not resolved. I have attempted to get this fixed for almost 2 years now with XXXX. They have falsely reported wrong information on my credit report with XXXX, with the sole purpose of keeping this debt " alive '', when it should have been removed from statue of limitations in XXXX and when this was found to be used from identity theft years ago. Because this information was removed over 3 years ago from my credit report I did not keep that paperwork as I thought it was final. Then XXXX parked this old debt after purchasing it wrongfully after the fact when it had been removed from my credit report. The original debtor was HSBC and had been removed from my credit report only for them to sell this wrongful debt to XXXX after it had been found to be part of several accounts used as part of identity theft. I have asked for any signatures of mine, driver license, proof that this was my account and have yet to receive anything back. Please help me get this matter resolved as I feel extorted to pay two debts on an otherwise clean credit profile while Im looking to purchase a home. After an inquiry on a mortgage is when the 2nd reporting of the {$1200.00} debt was added to my credit report. Thank you for your assistance.
Company Response: Closed with explanation

Timely Response

2018-06-19

Bellaire, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: HSBC sent me a letter by mail, offering me to " Get a {$350.00} Welcome Deposit with a new HSBC Advance relationship and qualifying activities. '' I satisfied all of the conditions for the {$350.00} Welcome Deposit months ago, but HSBC refuses to pay without any reason.
Company Response: Closed with explanation

Timely Response

2018-06-19

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I, XXXX XXXX, wrote a XXXX XXXX dollars check to my relative, XXXX XXXX XXXX on XX/XX/XXXX. She successfully mobile deposited the check on XX/XX/XXXX with her XXXX XXXX XXXX checking account. However, it seems like her check was lost or stolen and someone else deposited the check again in XX/XX/XXXX. HSBC denied to provide any helpful information regarding the deposit on XX/XX/XXXX. Instead, they simply request credit from my relatives bank account and credit my account. Clearly, my relative was not at fault. HSBC shouldnt allow a forged check to be processed. HSBC should honor the deposit on last XXXX and go after the one on last XXXX and return the fund to my relatives account immediately. Thanks.
Company Response: Closed with explanation

Timely Response

2018-06-18

Alachua, FL

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with explanation

Timely Response

2018-06-18

Wallington, NJ

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: On XX/XX/XXXX, HSBC received a restraining notice on my account. As a result the decided to make my life miserable!! I spoke to the legal Departmemt 3 times and was promised and I have it in email that it didnt affect my credit card and my line of credit plus any amount in my account above the restraining notice can be used. However the situation was completely different!! They conducted deceptive business practice and criminal activity all on the basis that its in the terms and conditions and therefore theyre allowed to do whatever they want. HSBC simply fails to understand that terms and conditions can not override laws and consumer rights. Ive been abused, I can show proof from my phone call history and especially my chats how I was lied to every day hundreds of times. Im completely drained and suicidal, HSBC took away from my every appetite to breath on this world. Its illegal to play around and lie to a customer no matter what the condition is. I also received emails from consumer relations Departmemt that they are looking into this matter and will get back to me within 48 hours. But that wasnt the case!!! Everything is documented and I have proof of everything should I need to pursue legal action. Theres absolutely no way in this world they can make up the abuse they did to me! And abuse of power is a crime under penal law. I got an alert from the credit bureaus that my credit card and line of credit is closed which is was an adverse impact and I called in again and they told me without hesitation we see its not closed and everything is fine. Then they shifted gears and said all I need to do is go to a branch to verify recent activity and everything will be ok. I went to 5 branches and not only did they tell me theres nothing we can do but threw me out as I was begging them for help. This complaint is not about my money, I need answers!! I need to know why HSBC decided to make my life miserable and what sin did I do to deserve this!!!! Then lem me go to the Fraud Departmemt which called me on XX/XX/XXXX that I need to email them documents and then everything will be good and theyll call me within 24-48 hrs!! And again that was not the case, they never called me and I keep on emailing them and theres no one to talk to!! Im being transferred thousands of times and Im being made a puppet of!! Simply taking advantage of me for no reason!! On XX/XX/XXXX I spoke to a rep which finally helped me remove the restriction on the credit card and it worked for exactly 10 minutes. please HELP WHAT DID I DO WRONG ALREADY!!!!!! Im screeching from pain!!! Im chocking I just cant tolerate this corruption!!! HSBC is basically allowed to do everything weather legal or not by using their excuse that its either in the terms and conditions or its for ur own protection!!! And how in the world does this protect me.?????? Then they returned just this week 4 credit card payments I made!!! They simple arent happy that they ruined my life but now they want to ruin everything I have!!! I was now in a branch and the branch told me that the reason is the need to verify the source of the funds I told them in detail every penny from where it came from and I was shocked how every minute and every call they have a new reason, new excuse and new departments handling my account FOR MY OWN PROTECTION!!! The punchline is they see and know their not right as a result 90 % of representatives just hang up the phone call on me. I called in today another 100 times and told them I dont care anymore about my money, all I want to know is why in the world is HSBC doing this to me!!!??? I told them keep my XXXX as a donation and just tell me what did I sin and why are you doing this to me!! And again and again and again was I being transferred they transfer you nonstop its crazy!! I ask the CFPB to please investigate their deceptive business conduct and fine them for billions of dollars even they have terms and conditions The pain and misery they are able to cause someone wasnt heard in history!! Even world war 2 didnt go through the torture theyre able to pull off!!! I am definitely damaged for life and Ill never be the same. I ask the bureau for permission to record my next 100 phone calls to show rock solid proof how Im being treated!!! Should this continue Ill take legal action to the full extent of the law!!! Yes law!! Not terms and conditions!!!! Ive already had a consultation with a criminal defense attorney and he mentioned 4 counts of fraud HSBC did to me. And Im sure if their doing it to me their doing it to everyone. If its really true that all that want is to verify activity on my account all they need to do is verify it!!! But the problem is that excuse can no longer be used as I already verified it 100 times and was lied to and told that NOW YOIR account IS ALL GOOD!! Then yesterday I spoke to the Fraud Departmemt which told me they only need to very a XXXX transfer and I verified it and then was told ok wait 5 minutes and Ill be able to login to ur account and everything will be ok and again that wasnt the case!!! This can not be accepted!! The burea should look into them!!! And Im willing to anticipate with the bureau to fine them for billions!!
Company Response: Closed with explanation

Timely Response

2018-06-18

New Rochelle, NY

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-06-18

Chicago, IL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-06-17

Briarwood, NY

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

2018-06-15

Carson, CA

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-06-15

New Lexington, OH

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-06-13

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: I have had an HSBC account in the USA since XX/XX/XXXX and I opened it because I had an HSBC account in XXXX XXXX. I primarily opened it as a joint account with my son who was starting university there. My daughter too now is studying in the USA and I frequently transact on that account to send her rent and university fees. My XXXX TV and other paid apps are also connected to that account. The last transaction I did on it was on the XX/XX/XXXX and now they seem to have abruptly closed my account with no explanation and I had upwards of {$18000.00} in it. Funds that I need access to to pay for my kids in the US. I called everyday for the past week and I keep getting transferred to various call center customer service people who are not able to give me any definitive answers. The bank is HSBC USA and I am very very worried as have several payments to make for my daughter at university.
Company Response: Closed with explanation

Timely Response

2018-06-13

Arden Hills, MN

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

Timely Response