HSBC NORTH AMERICA HOLDINGS INC

2018-05-14

Black Horse, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-05-14

Sherman Oaks, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-05-14

Brooklyn, NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-05-14

TX

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Complaint: Woman named XXXX XXXX called approximately 8 family members threatening " Service '' if I did not respond within an hour. She was very rude and demanding of my family members. She also shared personal information to at least one member. I do not know their process for contacting supposed family members, however if they shared this with one person who else did they share it with. Additionally they refused to name who they were beyond a collection agency. They then called me ( AFTER calling all the members in my family ) from XXXX leaving me a message telling me to contact XXXX to set up payments. When I called this number it was a generic answering machine. I advised them that they are not allowed to threaten me with legal action and that if they wish to serve me they should have my address on record if they are a legitimate company.
Company Response: Closed with explanation

Timely Response

2018-05-11

Jupiter, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-05-10

Hinsdale, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I filed a complaint ( # XXXX ) against HSBC for unlawfully - and without my knowledge, permission, or consent - revoking an ACH mortgage payment agreement I have had for 14 years. Only I can revoke it and I have not. HSBC 's money is in the bank and it is HSBC 's own fault not to use the ACH agreement to collect the funds. I just received via CFPB a response letter from HSBC. It makes no reference to the said complaint number, nor does it address ANY of complaints. HSBC must do so, sooner or later. In its letter, HSBC states " As you know, on XX/XX/XXXX, you were offered a modification trial plan. Your account was set up to automatically debit ( direct debit ) your monthly mortgage payment. However, since trial plan payments can not be drafted via direct debit, we cancelled your direct debit and subsequently notified you via letter dated XX/XX/XXXX ... " HSBC deceptively implies that I was a party to some trial plans. I was not. I did not accept HSBC 's modification offer, let alone its trail plan. Therefore, HSBC had no right to usurp my rights and illegally revoke my ACH agreement. Only I can revoke it. I therefore need HSBC to state what legal authority and justification it had to revoke my ACH agreement without my consent and permission. If it can not, HSBC must fix my credit and compensate me to my satisfaction and respond to my question from the last complaint which I re-state below. Thank you.
Company Response: Closed with explanation

Timely Response

2018-05-10

Burlingame, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened an HSBC advance checking account around XX/XX/2018 after receiving the Direct mail promotion which says if I deposit XXXX. I will get cash {$350.00} to my account. I deposit the money within several days I open the account. Now more than 3 months passed, I did not get the promised money in the promotion ads, which I think it is cheating ads from HSBC. I called the bank and I was told someone will contact me within 5 days. Now more than one week passed, nobody contact me.
Company Response: Closed with explanation

Timely Response

2018-05-09

Saline, MI

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-05-09

Jamaica, NY

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-05-08

State College, PA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-05-08

Una, SC

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: XXXX XXXX has two open collection accounts on my credit report that is old debt that they continue to resell/renew to maintain open status. Also XXXX XXXX continues to call multiple times per day to my home, my cell ( never provided them the number to any of the following ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple people have asked them multiple times to stop calling, but the calls continue. I have blocked multiple numbers but to no avail they just call from another number. They are harassing me and my family over debt that is old.
Company Response: Closed with explanation

Timely Response

2018-05-08

Auburn, NJ

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: XXXX XXXX XXXX XXXX ( Beneficial ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275. These laws require a mortgagee ( Beneficial ) to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. Beneficial has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, Beneficial states, The loan was sold and transferred to XXXX effective XX/XX/XXXX. XXXX states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and XXXX is the mortgage servicer. If the loan was sold, as Beneficial states and XXXX confirms, Beneficial is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If the erroneous mortgages were transferred/assigned to XXXX, as Beneficial also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by Beneficial to XXXX, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both Beneficial and XXXX remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since Beneficial has sold and transferred the aforementioned mortgages without adhering to established law.
Company Response: Closed with explanation

Timely Response

2018-05-07

Brooklyn, NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-05-07

Brooklyn, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-05-06

Fort Pierce, FL

Getting a credit card

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

Sent card you never applied for
Complaint: We were notified that an XXXX XXXX credit card in wife 's name only was delivered by USPS to a former address. We did not apply for the card, however, our credit monitoring service recorded a hard credit inquiry from HSBC on XX/XX/XXXX. We have 7 year extended fraud alerts posted with all credit bureaus that don't expire until XX/XX/XXXX. Apparently HSBC Bank opened an unauthorized credit account or approved an application for credit without contacting us per the fraud alert statement. We contacted HSBC via the number on the back of the credit card and determined the account had a XXXX balance, advised them it was issued fraudulently, and requested they close it immediately, which they claim they did. We are unable to determine whether the account was initiated by HSBC themselves or by an identity thief ... they would not supply applicant information. Our main issue is that they opened the account without contacting us despite our long standing fraud alert statement with the credit bureaus ( we have maintained extended fraud alerts with all 3 credit bureaus for over 18 years ). And, by the way, HSBC customer service is horrible ... apparently utilizing foreign call service centers and workers with extremely poor English language skills.
Company Response: Closed with explanation

Timely Response

2018-05-05

Oldsmar, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I opened a checking account on XX/XX/XXXX using a referral code from my friend. The offer that came with this code was to get {$250.00} bonus after depositing {$10000.00} and keeping it for 8 weeks. I have completed this requirement, but never received {$250.00} bonus. I contacted HSBC in XX/XX/XXXX and they promised that bonus would be deposited within 8 weeks. So I waited 8 more weeks, but again received no bonus. When I contacted them again they started telling me weird stories. First they told me that I don't qualify for this bonus because I had a credit card opened with HSBC. In fact I never had any credit card with HSBC. Then they told that I don't qualify because I had HSBC debit card opened as of XX/XX/XXXX, but offer required no opened account with HSBC as of XX/XX/XXXX. Yes, I had a checking account with HSBC before, but it was closed on XX/XX/XXXX, which is 5 months before XX/XX/XXXX, so I couldn't have any active debit card on XX/XX/XXXX. I had to explain that several times, but they still refuse to issue {$250.00} bonus without any reasonable explanation. As a result, I had to keep {$10000.00} on this checking account for almost a year hoping to receive the promised bonus and I lost an opportunity to earn interest in other banks.
Company Response: Closed with explanation

Timely Response

2018-05-05

Bronx, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: They said I owed a bank of hbc bank I dont remember having this card and if i did is was pay for. In XX/XX/2007 ending of the card they said is XXXX and they saying they trying to take me to court to pay this off. I need help because i think this is a fraud company trying to take my money.thank you the amount is XXXX and the name of the company is XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-05-05

Brisas De Canovanas, PR

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}. It seems to be a fraud among HSBC, their representatives, XXXX XXXX and their people. This is not a duplicate. My problem had never been solved.
Company Response: Closed with explanation

Timely Response

2018-05-04

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

2018-05-04

Golden Isles, FL

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

2018-05-03

Asbury Park, NJ

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened the Choice checking account ( Account # XXXX ) at HSBC bank onXX/XX/XXXX. There was an opening bonus of {$200.00}. I have met all the requirements to qualify for the bonus but the bank is not posting the bonus of {$200.00} to my account. I talked to them and they say that since I had an credit card account prior to opening the checking account I do not. qualify for the bonus. The two are entirely different products and the two are not related to each other. I printed the offer terms when I opened the account and I have created the following attachment 'HSBC Choice Checking bonus {$200.00} promotion -Old Offer '. It is a .jpg document and it shows that under the terms there is no mention of any credit card account being the reason for disqualifying the bonus. These were the terms at the time of opening the checking account. it does say that the offer is for opening a new checking account which it was since I never had any checking account with HSBC before. I have created another attachment 'which is the current offer 'HSBC Choice Checking bonus {$200.00} promotion -New Offer '. This document is a text document and ithe terms are very similar to the similar to the other document ( the Old Offer ) showing that there are currently offering the same promotion and again in the new offer there is no mention of the credit card account being the problem. The following attachments are the bank statements form XX/XX/XXXX through XX/XX/XXXX showing that I have maintained a minimum balance of {$1500.00} all this time. This was their main requirement for the qualification of the {$200.00} bonus HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement All these documents show that I have met and satisfied all the requirements for the {$200.00} bonus offer according to the bank terms in the offer. The {$200.00} bonus should be posted to my account as soon as possible. If the bank still claims that I do not qualify then their offer was very misleading. Please let me know if any additional documents are needed in support of my compliant.
Company Response: Closed with explanation

Timely Response

2018-05-03

Barry University, FL

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: I received a card from XXXX on XX/XX/XXXX that I never applied for or approved. I called on XX/XX/XXXX to cancel the card and have the hard inquiry performed on my credit removed. I have yet to receive any confirmation that the card was cancelled or that my creidt score will be restored.
Company Response: Closed with explanation

Timely Response

2018-05-03

Phila, PA

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2018-05-02

Weston, CT

Fraud or scam

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

Complaint: I was closing on a property on XX/XX/2018. On XX/XX/XXXX I requested a wire be sent from my account at HSBC. On XX/XX/XXXX, my account was charged. The money was never received by the escrow agent. I had to take an emergency overnight margin loan to cover the {$170000.00} that was transferred out of my account. I've been in contact with the HSBC Premier Representative and Branch Manager who have been very uncooperative. Its been 9 days and I am still missing the funds. I almost lost the purchase of the house, which I would have, had I not been able to obtain emergency funds from other sources.
Company Response: Closed with explanation

Timely Response

2018-05-02

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
Complaint: On XX/XX/XXXX I received a text message @ XXXX ( Free hSBC Fraud Msg : Did you charge XXXX {$1.00} SQ? Reply YES or NO. HELP for help or call XXXX. STOP top all card fraud alerts. I did not respond to it due to receiving hacked messages stating the message was from XXXX. I received the same text at XXXX, and that is when i decided to contact the bank. I called XXXX and asked to be connected to the Frauds dept. They cancelled my XXXX credit card, and instructed to call XXXX ( which was the wrong phone # for the credit card frauds dept. I also inquired the dates, times, amounts and location XXXX XXXX ) that the card was used. I was informed that the charges started on XX/XX/XXXX. XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XX/XX/XXXX {$77.00} All of the above charges went through XXXX charges were dropped from the account ( i think they'd max 'd my XXXX out. XXXX XXXX {$760.00} XXXX XXXX {$160.00} ( i Did receive a text regarding this last charge via text Free HSBC Fraud Msg : Did hyou charge XXXX {$160.00} XXXX XXXX XXXX? Reply YES or NO. HELP for help or call XXXX. Or STOP to stop all card fraud alerts. I contacted all the business 's ( except XXXX XXXX, you had to go on line for that one ) that my card had be illegally used and informed them that my bank would be in contact with them, I also contacted XXXX XXXX Police Dept XXXX to inquire what i would have to do to fill criminal charges. The desk officer informed my that the bank would need to acquire a Fraud affidavit from my bank. I went to the branch office in XXXX & requested a copy of my credit card charges on XX/XX/XXXX and spoke with XXXX ( XXXX ) & XXXX XXXX XXXX XXXX, District Manager stated that they would being the paperwork. ( XXXX. I had to made serveral calls to obtain the report, and the Branch manager had to intervine in my behalf. XXXX sent XXXX charge ( XXXX XXXX ) and the manager after XXXX XXXX on the phone with the frauds dept. XXXX XXXX stated that the customer came into the branch and obtained a copy of her XXXX charges. Only after this information was disclosed to the rep, agreed to e-mail XXXX XXXX a updated Fraud claim form, and i was instructed that i would be able to take this form to the local police dept. I filled the form out and, went to XXXX XXXX Police dept. only to be informed that the enclosed form wasn't the correct form. I also received ( see copy of a promotional APR offer dated XX/XX/XXXX 3 days after cancelling the credit card account ( with enclosed blank checks ) in the name of XXXX XXXX ( which is not my legal name ) I brought this to the attention of the Branch Manager, and XXXX @ the frauds dept ( via 3 way call. Both employee 's informed me that i would not be entitled to that offer on my new XXXX #, however, i would be able to use the blank checks ( on the closed account, and to sign the checks as XXXX XXXX. I also want to include that i had opened up a saving account in XX/XX/XXXX, and was given a passport saving booklet, however the account belonged to another customer ( but in my name, XXXX XXXX XXXX ), and after calling XXXX to obtain the interest earned, i was informed that that account # belonged to someone else. I returned the booklet, and was given another account ( i was a little leary because the account # re-issued to me had my whole date of birth XXXX # XXXX XXXX. And lastly, in XX/XX/XXXX I was informed that all of my personal information regarding my Home Equity loan had ( by error ) been sent to the cyber world. I have also contacted my Life Insurance company, and my union ( XXXX XXXX ) to have alerts put on my accounts ( so no money can be assessed, and i will be contacting all of my store credit cards to put an alert on them. I will be going to XXXX XXXX Police Dept on XX/XX/XXXX to file criminal complaint. Enclosures : 2 copies of HSBC Fraud Claim Form ( s ) 1 copy of Promotional APR + the 3 blank checks copy of Chargeback information ( XXXX 6 pages, which includes thief 's cell phone # - this is a pre-paid account, and was opened on XX/XX/XXXX @ XXXX )
Company Response: Closed with explanation

Timely Response