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 52
2018-06-13
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: In XX/XX/XXXX, I mailed a check ( # XXXX ) for XX/XX/XXXX rent for {$3000.00}. My landlord never received check # XXXX. I discovered the check was forged and submitted an affidavit to my bank HSBC. I was reimbursed for the check on XX/XX/XXXX.
However, since I was behind on rent for several months, I was required to appear in court on XX/XX/XXXX. My landlord charged me {$870.00} + $ XXXX= {$890.00} in legal and processing fees. In an email on XX/XX/XXXX an HSBC representative says they will not reimburse the legal fees.
HSBC is liable for the fees because their mistake ( allowing a forged check to be cashed ) is the reason I had to go to court and pay the fees.
Company Response: Closed with explanation
2018-06-13
Murray, UT
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
Complaint: I made a purchase with my HSBC credit card, but cancelled the order with the merchant. Merchant accepted the cancellation : " XXXX-Sales Tue XX/XX/XXXX, XXXX XXXX Hello, We're so sorry to be losing your business and will submit your request to cancel. Is there something we could've done better to gain your business? Did you find a better deal somewhere else?
Thank you, XXXX " Then I received an email nearly a month later : " XXXX-Sales XXXX Thu XX/XX/XXXX, XXXX XXXX Hello, I am reaching out to let you know that today we tried processing a refund for your order with us, and the transaction was declined.
There has been a very big push on the Credit Card processors to not do business with companies who sell firearms, and they are not allowing us to process refunds at this time.
This has caused a huge problem for us as well as our valued customers, and we apologize for the inconvenience. Since we are unable to process the refunds through the Credit Card processer we kindly ask that your credit card company cancels this transaction for your order. We know that this could negatively affect our company, but unfortunately our hands are tied.
We are so very sorry Thank you for your understanding.
We hope that you have a wonderful day -XXXX Bless- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX '' I requested an immediate reply from XXXX : " XXXX-Sales Thu XX/XX/XXXX, XXXXXXXX XXXX It looks like we tried to refund your purchase, however the credit card processor we were working with declined the transaction.
We kindly ask that you contact your bank and ask them to do a credit reversal.
If they need to speak to us please just give us the contact information.
We are so very sorry for the hassle.
Thank you for your time.
XXXX " Still no refund, so I contact HSBC.
HSBC keeps sending me different emails to submit these emails to them. Each email bounces back by their own server. One email given by email from HSBC was : XXXX. On the phone they said, " XXXX '' -- both can't be reached by XXXX XXXX or XXXX XXXX.
HSBC is refusing to provide any support after multiple calls.
Each email I send them ignores the information previously provided and given.
Finally, HSBC suggested I contact the merchant. However, I have already provided the emails showing the merchant isn't being helpful AND HSBC has already tried contacting the merchant ( unsuccessfully ) while I was on their line with their dispute department.
Thank you so much. I have
Company Response: Closed with explanation
2018-06-13
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: I applied for an XXXX XXXX XXXX credit card and was informed on XX/XX/XXXX that I was approved. The card came, I used it at the post office on XX/XX/XXXX. On XX/XX/XXXX the card was declined. Thinking it was the machinery at the store, not the card, I tried again on XX/XX/XXXX. Again it was declined. On XX/XX/XXXX I called customer service at XXXX and after 55 minutes on hold was told I had to speak with Fraud Prevention. When I finally connected with them I was told they couldn't tell me why the card was declined - and that I needed to send proof of I.D . I snail mailed and emailed copies of my driver 's license and passport.
I was given an ID : XXXX On XX/XX/XXXX I send them an email asking why I hadn't heard from them.
My credit rating is XXXX and I have been denied two other credit cards I have applied for. I am sure HSBC is the reason.
I have put {$56.00} on that card. I don't have access to the card to pay it. They haven't responded to my email or my letter.
This is the worst, by very far, credit card company I've ever had experience with.
Please help me find out why I am being denied access to credit cards. Please make HSBC contact me.
Company Response: Closed with explanation
2018-06-13
Rockwell, NC
False statements or representation
Debt collection: Mortgage debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-06-11
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Problem accessing account
Company Response: Closed with explanation
2018-06-11
Rochdale, NY
Managing an account
Checking or savings account: Other banking product or service
Problem accessing account
Complaint: My name is XXXX n i have a checking acountt with hsbc.. i got debit and credit card both.. but i never knew that one mistake i made n which is very badly hustling me.. beacuse i m saying it, if i knew i would have never done that, cz i have a good transaction sith hsbc., Scenerio ...
On of my friend advise me to do online survey.. i did to be honest.. and i got a check from them too.. i dont remember the company name but i got it USPS service at my home address.. n when i received thst i was happy n excited.. n also i never knew or know ehst is fake check n what is good check :. So i deposited thise checks in my account .. if i knew yhat the check eas fake.. i would never do that.. even when i saw that deposited has made, i promise i havnt spent a single XXXX from that deposite.. and so on.. i promise if i knew i would have never done that. So next day when i sit to make a payment for my husband, i saw that my card was block and my account was suspended.. so i called the bank in the main time n they told me that something fraud related happen so they r connnection me to them, more than 30/35 mins til todays date i call them but no respont.. after than inwent to bank n talk with a represtator, n she explain me .. what actually happen plz help me now with this.. plz its a request ...
Company Response: Closed with explanation
2018-06-11
Fort Pierce, FL
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2018-06-11
Hartford, AR
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
2018-06-11
Billings, MT
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-06-11
Manhattan, NY
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
2018-06-10
El Paso, TX
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: XXXX , XXXX Opened XX/XX/2013 {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. Balance {$390.00} Highest Balance {$390.00} Opened XX/XX/2013 ( 4 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX Company sold my account to XXXX XXXX. Prior to this happening I received a form that informed me I had to report the credit as income. I did. This happened prior to the account being sold to XXXX XXXX. It has been reported to XXXX and XXXX and it should have not. Primarily it should have not been sold. Why? Please have them explain what law allows them to do so. I am not a lawyer or aware of any laws. Furthermore they have not provided any information that includes why I received a form that indicates I have to report the form as income and what law allows them to do so. It came from HSBC. I believe. Please assist me the company has not responded and has not provided confirmation on how they are allowed to sell the account to XXXX XXXX at the moment I reported the balance as income. This is double dipping. Are there any accounting laws that prevent such infraction. I believe there is. Please enforce law. Please advise me of all possible routes to gather compensation for emotional distress.
Company Response: Closed with explanation
2018-06-10
Leeton, UT
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Seized or attempted to seize your property
Complaint: I purchased 2 XXXX dirt bikes using the XXXX credit card a line of credit provided by HSBC. I got behind on payments and HSBC sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX 2011 stating she was with XXXX XXXX XXXX XXXX and was collecting on the HSBC debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as HSBC ( found out later ). I then realized that not only was the debt not settled but XXXX XXXX XXXX sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by HSBC who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. HSBC has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.
Company Response: Closed with explanation
2018-06-09
FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Complaint: I've had my XXXX Credit Card since XX/XX/2018 and paid my balance in full on time every month since inception. Recently I tried using the credit card to make a purchase at the grocery store and it was declined so I tried calling to find out what the problem was. I could not get through on the phone as it took well over 2 hours while I sat on hold for a representative so I tried emailing through the BankMail feature that the bank uses to communicate with customers and using the HSBC Chat option however no one would help. I was told that the only way I could use my credit card was to call the Security Dept. to unlock it. They wouldn't even allow me to pay my balance so I was in jeopardy of getting late fees and probably a blemish on my credit report. To avoid that from happening, I had to XXXX my check to some payment center in XXXX where they accepted and cashed my check. I continuously tried in vain to contact the security department at HSBC and was promised a call back numerous times however no one ever attempted to communicate with me.
I've sat on hold for hours to be transferred multiple times and then mysteriously disconnected. I've had my father who is retired sit on hold because I couldn't afford to lose my job sitting on hold during work hours because I was told the department I needed to speak with is only open from XXXX XXXX to XXXX XXXX EST. I called every number in the credit department that I was told to call. My attempts were fruitless.
I even called and sat on hold last Friday and began my call at approximately XXXX XXXX EST but exactly at XXXX XXXX on the dot, I was disconnected intentionally because the hours of operation ended and anyone sitting on hold just gets hung-up on like a piece of garbage.
Yesterday, I sat on hold for 2 hours and 57 minutes before someone would talk with me and then they transferred me so I sat on hold another 1 hour and 42 minutes until someone else finally picked up in the correct department. Even with that horrible experience, it wasn't enough since they use some device which is supposed to instantly confirm an identity of the person based on the telephone number you provide to them and that didn't work with me for some odd reason even though I've had the same number for 10+ years. I then demanded that they close my account but they refused and told me they couldn't talk with me any further. I have a home phone and cell phone and neither was acceptable even though it was good enough for them to open my account to then subsequently freeze it and steel my CashBack balance. It sounds awfully familiar to alot of thee complaints I read on-line. It appears they are running some type of scam only to steal customer funds and not allow you access to your cashback funds.
I provided my account number, social security number, 4 digit private pin that the bank assigned to me and 3 digit code on the back of my card and that still wasn't good enough for them to confirm my identity. I offered them copies of my drivers license, birth certificate and even copies of the utility bill but they wouldn't even consider that. The supervisor in the security department who finally took my call, had the ability to fix this mess with the stroke of a button but refused to unlock my account or accept my payoff even though she confirmed every bit of info that she requested of me to confirm my identity which I still can't understand why I have to do at this point. I can confirm anything in the world to confirm that my identity is who I am but that's not good enough for them. They have never called me even once to rationally discuss this even though I was promised numerous times both on the phone and through the secure Bank-Mail feature on-line that a supervisor would call me back.
You can review my account and see there is no problems and has never been. Maybe it's because I'm young or maybe it's because they discriminate against women. I then asked for the overnight mail address to file a complaint and the woman refused to give me a physical address and said they don't accept overnight mail. Who doesn't accept overnight mail in the banking industry?
I have now forwarded my complaint to you the NY Attorney General 's office is next. I hope an investigation of the banks credit card operations is initiated as a result. I also plan on contacting the Securities and Exchange Commission if they refuse to send me my money within the next 10 days. I'm sure they must be violating all sorts of banking and securities regulations and I hope they get fined to the max. Every single one of the people I spoke to or came in contact with on-line ignored my pleas for help. It shouldn't take an act of XXXX or my father having a stroke to get someone to help a customer that has nothing to hide or hasn't done anything wrong. I can't even close my account for gods sake. Please help me and thank you for your time.
Company Response: Closed with explanation
2018-06-08
Arco, CA
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: On XX/XX/XXXX I filled an online application with HSBC Bank to open a Advance checking account and was declined with no explanation.The application reference is XXXX.I sent a letter on XX/XX/XXXX requesting the reason for the denial and have not heard from HSBC.
I believe my application was declined for no valid reason.
Company Response: Closed with explanation
2018-06-07
Money was not available when promised
Money transfer, virtual currency, or money service: International money transfer
Complaint: We have sent XXXX of US {$250000.00} from XXXX to XXXX XXXX against purchase of goods as on XX/XX/2018. The fund was remitted from XXXX XXXX XXXXXXXX, XXXX to XXXX XXXX XXXX USA, further transferred to XXXXXXXX XXXX XXXX XXXX, they further transferred to HSBC USA for transfer to HSBC XXXX XXXX for final credit to beneficiary. It's already 23 days now, we are following every night from XXXX & XXXX XXXX, but not getting any response from HSBC USA, who holds our fund from 23 days. Neither they have intimated the sender nor to beneficiary, the reason to hold. We are attaching herewith copy of BOI-USA requesting XXXX XXXX to follow up with HSBC-USA AND also copy of earlier reply from XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX. Even we have tried to contact XXXX XXXX XXXX & HSBC USA directly on phone, but they have denied to reply on any of our query.
Kindly do the needful. Thanks.
Company Response: Closed with explanation
2018-06-07
Seneca, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt was paid
Complaint: I am receiving harassing fraudulent calls from XXXX XXXX ( XXXX ) threatening legal action against me for a debt I paid off years ago. The representative identified himself as XXXX XXXX. I have all documentation confirming satisfaction of debt and want to report this organization.
Company Response: Closed with explanation
2018-06-07
Pleasanton, CA
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Closed with explanation
2018-06-06
Amelia City, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-06-06
Sugar Land, TX
Closing an account
Checking or savings account: Checking account
Can't close your account
Company Response: Closed with explanation
2018-06-06
VA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2018-06-06
Downingtown, PA
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: I enrolled in a {$200.00} bonus enrollment offer and have completed all the requirements for the bonus but have not received the bonus.
Company Response: Closed with explanation
2018-06-06
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
2018-06-05
Austin, TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect XXXX is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on XXXX in Texas.
Company Response: Closed with explanation
2018-06-05
Auburn, NJ
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt is not yours
Complaint: Complaint : XXXX XXXX failure to specifically and sufficiently respond to consumer 's notice of error or information request or qualified written request or CFPB complaints.
Attn : XXXX XXXX, Relationship Manager, XXXX XXXX, Consumer Ombudsman Specialist, XXXX XXXX, Ombudsman Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax XXXX Account # XXXX RE : Notice of Error or Information Request or Qualified Written Request Please respond to the following errors and/or request for information : # 1 In a letter dated XX/XX/XXXX XXXX states, " We determined that we are unable to assist you in this proposed arrangement because pursuant to the servicing agreement governing this account, the owner of your mortgage has a right of approval and has denied this option based on a business decision. '' What proposed arrangement is XXXX referring to? Please provide copy of the section of servicing agreement that prohibits such arrangement. Note that just a day prior on XX/XX/XXXX, I received a letter that stated, " XXXX, the mortgage servicer on the above referenced account, is currently reviewing your request for options to resolve the delinquency on this account. '' # 2 XXXX failed to respond to the following concerns regarding CFPB # XXXX : In a letter from XXXX on XX/XX/XXXX, XXXX states, " To reiterate, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' If that is the case, please explain why on the latest Mortgage Statement under transaction activity, there is a line item titled Taxes & Insurance. The amount is {$1200.00}. On XX/XX/XXXX XXXX paid taxes in the amount of {$1100.00} ( on wrong property per note and mortgage ) for a difference of {$110.00}. What was the additional {$110.00} for? Insurance? In addition, there are " other fees '' listed for XXXX cents and " expenses pd by servicer '' in the amount of {$160.00}. Please provide account history detailing all charges for account # XXXX with justification.
# 3 The following concerns noted in CFPB # XXXX were not addressed in XXXX 's latest response dated XX/XX/XXXX : A ) Loan Modification ( dated XX/XX/XXXX ) falsification allegations, B ) Conflict of information regarding address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Which is it? C ) Role of Relationship Manager XXXX XXXX. Why have I never heard from her?
# 4 In a response from XXXX dated XX/XX/XXXX, XXXX states, " In your inquiry, you state that we do not have the correct legal description for the subject property. XXXX appreciates you pointing this out and has referred this issue to the appropriate department for research and if necessary correction. '' What is the current status? What is the legal description in the note and mortgage XXXX is attempting to collect debt on? What is the address of the property XXXX is attempting to collect debt on? What deed is attached to the property that XXXX is attempting to collect debt on?
# 5 In a response from XXXX dated XX/XX/XXXX, XXXX states, " The account was modified onXX/XX/XXXX ( Enclosed ). '' Besides the fact this document was allegedly fabricated, the Loan Modification Agreement itself under any circumstance precludes the assumption or assignment of the modification agreement ( Modification Agreement, section G. titled Loan and Agreement May Not be Assigned ). The Loan Modification Agreement is null and void.
As I have previously pointed out, the recorded notes and mortgages fraudulently established and sold by XXXX XXXX XXXX to the alleged new owner/noteholder, and now serviced by XXXX, are severely deficient and unenforceable. I continue to dispute all alleged debt associated with account # XXXX. XXXX XXXX XXXX XXXX and XXXX as servicer continue to try to enforce an unenforceable and erroneous obligation. To date, they have erroneously paid property taxes, conducted erroneous inspections, including a Broker Price Opinion and threaten foreclosure on a property they have no legal security interest in.
Besides legal ramifications based on the above allegations, please allow me to remind XXXX of it's RESPA obligations regarding Notices of Error or Information Requests or Qualified Written Requests.
Company Response: Closed with explanation
2018-06-05
Kent, WA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation