HSBC NORTH AMERICA HOLDINGS INC

2018-04-20

Gonzalez, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-04-20

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-20

Houston, TX

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

2018-04-19

Patterson, MD

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I received a harassing phone call from XXXX XXXX for a fraudulent debt that I do not owe. Im also on the do not call list and keep receiving calls from this company. The representative refused to disclose the companys name as I requested it several times. He would only state his name and the caller ID had shown the call as unknown. I would like these harassing calls and false accusations to stop. Ive told XXXX several times that I was in the do not call list and that I do not owe any company debt.
Company Response: Closed with explanation

Timely Response

2018-04-19

Neosho, MO

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2018-04-19

Monterey Park, CA

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2018-04-18

Stanford, CA

Getting a credit card

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

Sent card you never applied for
Complaint: HSBC has repeatedly opened unrequested credit cards in mine and/or my husband 's name. We never requested nor authorized these credit cards. Despite numerous calls and complaints, they continue to open accounts and tie up our credit line. Each time we report the matter, they treat it as " fraud '' and then cover their misdeeds by " resolving the fraud complaint '' ( i.e., card cancellation ). However, the problem is a recurring one. Fraud is not the source of the misconduct. Rather, it is their sales/marketing group which has devised a compensation plan that drives and rewards this criminal activity. Just like XXXX XXXX, the HSBC Card Marketing group is incentivizing their employees with a performance plan that is based on driving new cardholder volume/metrics. Please let me know how it is that they're getting away with this? I am happy to provide you with more details and have attached a photo of their " welcome letter '' for my new UNREQUESTED card ( identifying details removed ).
Company Response: Closed with explanation

Timely Response

2018-04-18

Scottsdale, AZ

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Opened a HSBC advance checking account back in late XX/XX/XXXX with an understanding that there will be a {$350.00} promotion bonus for opening the account and funding it with {$10000.00} within 30 days of account opening. The fine print says customers who held any HSBC account from XX/XX/XXXX to XX/XX/XXXX is not eligible for the promotion. So I called in HSBC prior to account opening and had confirmed with an agent that I didn't have any accounts opened during this period. With this confirmation, I proceed to open the checking account and had met all the requirements, but did not receive the promotion bonus as promised. I called in to HSBC repeatedly starting from XX/XX/XXXX to XXXX XXXX ( about ~5-6 times ), and was given a host of different reasons as to why I did not receive the bonus. Was initially told that I had an account with HSBC during XX/XX/XXXX to XX/XX/XXXX, in which I replied stating that I had confirmed with an agent about this prior to account opening. A ticket was opened for further investigation but they did not follow up with me on the progress. Later I called again and was told that I did not register for the promotion during the sign up, hence was denied of the bonus. Not only are these claims contradicting each other, they're also not valid. As a consumer, I feel HSBC did not keep their end of the promise and also showed lack of support to follow up and resolve this issue. Hence I'm contacting CFPB in hopes to get this resolved in a timely fashion.
Company Response: Closed with explanation

Timely Response

2018-04-18

SC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: XX/XX/2018 XXXX XXXX Man from HSBC named XXXX XXXX claimed I had and account with HSBC and was threatening litigation for breach of contract, fraud, falsifying legal documents if I did not pay the amount in full. The man had my personal information and SSN. He would not give any information about the account stating that I know I used the credit card and I better pay it. He stated that they had income tax information and employer verification to prove I opened the account. He began to get rude and nasty and threaten to sue and to make me pay. Because he would not give any validating information as to what state and account information, I feel this person was lying. The phone number given is XXXX. They claim to be a litigation group collecting on behalf of HSBC. I have had multiple entities contacting me trying to get me to pay some erroneous debt. I have had several identity theft situations which makes me believe this could be part of it or a scam.
Company Response: Closed with explanation

Timely Response

2018-04-18

Gloucester City, NJ

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-04-18

Allen, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2018-04-17

Beverly Hills, CA

Getting a credit card

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

Delay in processing application
Company Response: Closed with explanation

Timely Response

2018-04-13

Manhattan, NY

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

2018-04-12

Homer Glen, IL

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2018-04-12

Lake Ronkonkoma, NY

Incorrect information on your report

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

Account information incorrect
Complaint: Account shows late payments for both XX/XX/XXXX and XX/XX/XXXX. This information is incorrect
Company Response: Closed with explanation

Timely Response

2018-04-12

Lake Ronkonkoma, 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

2018-04-12

Queens, NY

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I applied for HSBC checking account on XX/XX/XXXX. I received email on XX/XX/XXXX that my application was approved. I applied because HSBC was adverting on XXXX and other websites that I can get {$350.00} dollars if I : Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance I completed both requirements but I did not receive promised {$350.00} bonus. I called several times customer service and also email them and chat through there online website, but so far they completely ignore my requests for bonus. I called XX/XX/XXXX and the hsbc person promised to send my complain to back office and told me someone will get back to me from back office. When I called back 2 weeks later on XX/XX/XXXX the new customer service told me that previous customer service did not make any notes about my complain and back office do not call customers, that she lied. Now it been 2 more weeks after I made new complain and no reply to me not receiving promised {$350.00} bonus. Also it took them 2 months to send me debit card because according email they send me : " Dear XXXX XXXX, Thank you for submitting an online application with HSBC Bank USA, N.A. Between XX/XX/XXXX and XX/XX/XXXX, HSBC experienced an application error that resulted in your ATM or Debit card selection to be missing from your application. We are contacting you as your application was impacted. '' Also they were withholding taxes from monthly interest, I had to go to branch to correct that. HSBC should be investigated for their online applications system not working properly and not giving promised bones for opening new checking accounts.
Company Response: Closed with explanation

Timely Response

2018-04-11

Brooklyn, NY

Incorrect information on your report

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

Account information incorrect
Complaint: HSBC recorded late payments to the three credit reporting bureaus for a credit card I have with HSBC. I rarely use this card, whose last four digits are XXXX. The dates of the two late payment notices that I am aware of are for XX/XX/XXXX, and XX/XX/XXXX. The two charges involved were a {$5.00} airport kiosk charge in XX/XX/XXXX, and a {$100.00} XXXX XXXX XXXX donation in early XX/XX/XXXX that was refunded to me when the XXXX XXXX XXXX participant did not reach her goal. I never received a paper statement or paper bill showing any amounts due for these two charges. Then in XX/XX/XXXX, I received a paper bill, showing overdue amounts, including late payment charges. I called HSBC and they said that they sent me electronic billing ( via email ) because I had signed up for electronic billing. I never saw any such electronic bill. Since I NEVER SIGNED UP FOR ELECTRONIC BILLING AND ALWAYS RELY ON PAPER BILLS, I was not looking to receive any electronic bill. After some negotiations and speaking with an HSBC supervisor at the HSBC collection department, HSBC agreed to remove the late charges, and remove the late payment notices from my credit reports. Although the late charges were removed, the late payment notations on my credit reports for XX/XX/XXXX and XX/XX/XXXX were never removed. I called HSBC customer service department and they said I owed them {$5.00} from XX/XX/XXXX. I paid the {$5.00}. However, HSBC still refused to remove the unwarranted late payment entries from my credit reports, thus damaging my credit rating which was over XXXX and is now under XXXX. Again, HSBC 's claim that I signed up for electronic billing is false -- I NEVER SIGNED UP FOR ELECTRONIC BILLING and never received any paper statements regarding the two charges discussed above, which is why I didn't make any payments. Thus, in all fairness, the HSBC late payment entries should be removed from my credit reports ASAP.
Company Response: Closed with explanation

Timely Response

2018-04-11

Brooklyn, NY

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-04-11

Wallington, NJ

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2018-04-09

Providence, RI

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: an online offer was emailed to me last XX/XX/XXXX from HSBC bank, and if i apply for a " Advanced checking account '', offer expires XX/XX/XXXX i would get a {$350.00} bonus, and i did online on XX/XX/XXXX-XX/XX/XXXX, than you must fund the account with {$10000.00} or more within 30 days of account opening which i did {$10000.00} Exactly by XX/XX/XXXX ...., the account was opened on XX/XX/XXXX but i really had until XX/XX/XXXX to fund this with {$10000.00}, and i did, i completed all there requirements and kept a {$10000.00} balance for 90 days as needed for the bonus offer and i still currently have not touched any of that balance ... .. I called Hsbc at XXXX on XX/XX/XXXX to ask about my bonus and they informed me, told by there Marketing dept., that i am NOT eligible for the {$350.00} bonus because my account was not opened until XX/XX/XXXX, which was past XX/XX/XXXX??, i dont have a copy of that online application, but i swear IT NEVER said the account has to be opened by XX/XX/XXXX ... .what it said is that you must apply online before XX/XX/XXXX, which i did ... ... .positive ... ..., it took over a week for them to open the account, not my fault at all ... .... and i funded the account within the 30 days required, and now there making me want to call a lawyer to sue them because of FALSE ADVERTISING practices on there part ... ... i also found out that on XX/XX/XXXX that same exact offer was extended till XX/XX/XXXX, so i still would of qualified anyway ... ... .. thanks very much for your help in this matter, very truly yours, god bless ...., my account is still open ... ....
Company Response: Closed with non-monetary relief

Timely Response

2018-04-09

OH

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: I received a phone call 6 days ago from ( XXXX ) XXXX in New Jersey, registered to a XXXX XXXX number claiming to be from XXXX XXXX XXXX, XXXX saying I had a debt with HSBC and they were going to take me to court. They mention the debt was from XX/XX/XXXX and I had been making payments until XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX I was in the XXXX and not making payments on anything ). When they tried to get me to pay the debt, I told them they had called me and I didn't know who they were. I also asked for them to send me a certified letter in the mail outlining what this debt was. On Saturday, I received a first class letter in the mail on some generic letterhead outlining the debt. It included an Account Number. Using this account number, I called HSBC Recovery at ( XXXX ) XXXX, Option 2, to get information on this debt. They said it had been sold to XXXX XXXX XXXX. I called XXXX XXXX and they told me they this debt, but had sold it. They weren't sure who they had sold it to, but it would be either XXXX XXXX XXXX : ( XXXX ) XXXX or XXXX XXXX XXXX : XXXX. I called XXXX XXXX XXXX and they had no record of the debt, I tried XXXX XXXX XXXX, but for some reason am unable to call that number. I looked into XXXX XXXX XXXX, XXXX, They were registered as an LLC in NY in XX/XX/XXXX, the 're website XXXX XXXX XXXX was also registered in XXXX, and will expire in XX/XX/XXXX. Their website is also just a single page with no accreditations or badges, or anything really.
Company Response: Closed with explanation

Timely Response

2018-04-08

TX

Fees or interest

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

Charged too much interest
Complaint: This is concerning my credit card I have with HSBC. On mystatement dated XX/XX/2017, a payment in the amount of {$2900.00} was due on XX/XX/2017. I made a payment for {$2800.00} on XX/XX/2017. I missed one item that was charged later and did not have a statement. Since my full payment was not received by the payment due date reflected on my billing statement, an interest charge of {$48.00} was assessed on my account. I requested a refund or reduction, because the amount charged for a simple mistake is inappropriate.
Company Response: Closed with explanation

Timely Response

2018-04-08

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-07

Hillsdale, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response