HSBC NORTH AMERICA HOLDINGS INC

2018-03-16

Brighton, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-16

Ft Myers, 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 non-monetary relief

Timely Response

2018-03-15

Garden City P, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-03-15

Auburn, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: On XX/XX/2017 we received a Notice of Servicing Transfer for account # XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, with an effective date of XX/XX/2017. Per the law our present servicer ( Beneficial ) is required to send a notice at least 15 days before the effective date of transfer or closing. Given the time it takes to send and receive mail, we did not receive this notification until XX/XX/2017. Therefore, Beneficial failed to meet the time requirement of 15 days per the law. Therefore, the notice of servicing transfer for account # XXXX should be null and void and Beneficial should be fined the appropriate fine as per the law.
Company Response: Closed with explanation

Timely Response

2018-03-14

Charlotte, NC

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 would like to file the complaint as the way XXXX XXXX has worked on the dispute. Merchant provided the proof of payment but not the proof of service but still HSBC has settled the dispute in merchant 's favor. I bought attraction ticket which were not activated and had a mishap at the ticket window when the associate at the ticket window of attraction park told me that tickets have not been activated. I approached the merchant stating the same thing and they mentioned to me that they are investigating. After waiting for many days, I filed the dispute with the credit card company HSBC and explained them the situation with letters in details explaining the scenario. But, HSBC settled the dispute in merchant 's favor based on the payment receipt which is in no way able to confirm if the valid tickets ( merchandise in this case ) were provided.
Company Response: Closed with explanation

Timely Response

2018-03-13

Manchester, NH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-03-13

Erwin, TN

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX bought my account from HSBC Bank and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.
Company Response: Closed with explanation

Timely Response

2018-03-12

Atl, GA

Incorrect information on your report

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-03-11

NJ

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Complaint: Dear reader, I am with HSBC since XX/XX/XXXX and got my social security nr on XX/XX/XXXX. since then i was told that i would have to wait to get my credit score but I never had it. When I contacted XXXX and XXXX, they both answered that I was unknown to them. On XX/XX/XXXX i started communication with my account representative informing him that i didn't have the possibility to see my Credit Score. He told me to wait 3 months as my Social Security nr was too young and i had to give time to the system to generate enough history. Since then i have been in contact with the Branch Manager at HSBC XXXX, then with the Manager, Executive Office | XXXX Customer Relations | XXXX XXXX XXXX XXXX, with no more results ( all emails available between XX/XX/XXXX and today ). They told me that they report the history of my credits properly and the problem is at XXXX side so i had to call XXXX. I called but after many hours of discussion with different people it ended that they give me a list of information that HSBC had to provide me to be able to trace the reporting. When sending those details to HSBC they told me there were some internal nr they can't provide me with and asked me for the name of the person of XXXX that i had on line but obviously call centers never give their name. I have all emails to HSBC but not for experian those were only phone calls. I am really desperate to find a solution to this problem as obviously i am stuck without any possibility to buy a car or a house. Thank you for your help
Company Response: Closed with explanation

Timely Response

2018-03-10

Garrett Park, MD

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Hi, there, I opened a new HSBC premier checking account on XX/XX/XXXX in response to a bonus offer of {$750.00} welcome deposit. The offer stated that {$750.00} will be automatically deposited to my account eight weeks after a minimum balance of {$100000.00} has been maintained for 90 days ( as attached ). Early last month I asked about the welcome bonus by web chat, and an agent asked me to call. I called and another agent promised to investigate but I received no deposit or response for another week. I contacted HSBC by web chat on XX/XX/XXXX and the third agent said he/she would issue a request to investigate. Several days later I asked again the fourth agent promised yet again to investigate and gave a response within 48 hours ( the chat transcript attached ). I received nothing after 48 hours, and contacted them the fifth time. The fifth agent said he/she would issue another request to investigate. So I don't have an answer about the welcome bonus 7 months after I opened account and five inquires. Hope that you can help me with this matter. thanks XXXX
Company Response: Closed with monetary relief

Timely Response

2018-03-09

Morningside, NY

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2018-03-09

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-08

Brisas De Canovanas, PR

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
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}.
Company Response: Closed with explanation

Timely Response

2018-03-08

Golden Isles, FL

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

2018-03-07

Oxford, GA

Fees or interest

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

Problem with fees
Complaint: HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This is regarding my HSBC credit card account. When I checked my account on HSBCs website, I found online that my two electronic payments of {$100.00} each were returned and a {$25.00} fee charged to my account. My credit union account had plenty of funds to cover the payment. When I contacted my credit union, they confirmed the funds were there and that no payment had been presented to them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX in the evening, when I contacted HSBC via their chat service, they could not help me and advised that I call customer service. My account was on a security hold and they could not tell me why. I explained that I saw no fraudulent charges to the account and confirmed my identity. On XX/XX/XXXX at XXXX XXXX, I called customer service at XXXX. Customer Service could not help me and transferred me to HSBCs security division. I was on hold for security for one hour and sixteen minutes. The security advisor, XXXX, could not help me and transferred me to her boss XXXX. XXXX was not at his desk so she advised that he would call me. At XXXX, he returned my call but I was not at my desk so he left a message with a reference number. When I returned his call, I held for over twenty minutes and could not get through. I tried contacting HSBC several times using their chat feature and presenting my reference number but no one could help me. To date, no one from HSBC has contacted me further regarding this matter.
Company Response: Closed with explanation

Timely Response

2018-03-07

Farmingville, NY

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-03-07

NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX is not responding to release of a second mortgage they wrote off in 2011. When approached about the issue HSBC incorrectly a release for the senor mortgage and wrote a cover letter apologizing for any inconvenience. HSBC will not respond to me or XXXX XXXX in correcting their error to file the correct release. HSBC has given us no choice but to file this complaint. We have tried everything and HSBC is delaying the transfer of the property at a high financial cost to us.
Company Response: Closed with explanation

Timely Response

2018-03-06

Brooksville, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2018-03-06

Syr, NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-05

Stkn, CA

Incorrect information on your report

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

Account status incorrect
Complaint: I have paid this company {$5000.00} on XX/XX/XXXX of XXXX. They claimed they have reported to the credit bureaus, but my credit has taken a hit & it still shows that I owe them money till this day. I have spoken to them today, XX/XX/XXXX of XXXX, to just get told that I have to file a dispute the credit bureaus & they cant do nothing else to help me, saying that they supposedly reported it already to the bureaus. But its been well over 120 days since my payment & instead my credit has gotten worse since then. They also have stated to me that they will contact the collection agency they hired & notify them that I have settled the account, but that remains untrue. The collection agency still shows up on my credit stating that I owe them money & that they havent received any notification from the bank I paid off. Which tells me that the bank is lying to me & has been continuously hurting my credit.
Company Response: Closed with explanation

Timely Response

2018-03-05

Great Neck, NY

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

2018-03-05

Albany, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with non-monetary relief

Timely Response

2018-03-03

Rochdale, NY

Other features, terms, or problems

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

Other problem
Complaint: I recently opened HSBC XXXX XXXX XXXX XXXX Credit Card. One of the main reasons was because of the free airport lounge access feature provided by XXXX. After accessing several airport lounges with the credit card, I was surprised to find the charges on my credit card statement. XXXX XX/XX/18 {$54.00} and XX/XX/18 {$27.00}. When I called HSBC to dispute these charges, I was told that I had to go online and register with XXXX before I can access the airport lounges. I did not see that requirement in the guide to benefits and terms & conditions ( will attach below ). I also called HSBC before my travels to confirm how to access the airport lounges and was told by customer service I only had to present my HSBC XXXX XXXX XXXX XXXX. Below is the email I sent to HSBC : Dear Customer Relations, I am very disappointed with the XXXX XXXX XXXX. One of the main reasons I switched to this card was for the airport lounge access. This is what is stated in the guide to benefits : " Before traveling, clients can log on to the XXXX Airport Experiences provided by XXXX website or access the smartphone app and view a list of participating lounges. '' This is exactly what I did and went to the participating lounges on the XXXX website. The guide to benefits also says " HSBC XXXX XXXX Elite XXXX credit card clients present their card or XXXX access QR code found in the XXXX XXXX XXXX provided by XXXX Smartphone app to gain admission for themselves. '' " To gain access to the lounges, a client only needs to quote " XXXX '' or XXXX XXXX XXXX at the participating lounge. Then the client simply presents their HSBC XXXX XXXX XXXX XXXX to the lounge operator or present their XXXX Access QR code. '' I presented the HSBC XXXX XXXX XXXX XXXX. I do not see anywhere in the guide to benefits, that says I must register with XXXX or must download the app. I also called HSBC customer service before my travels and confirmed to gain access to lounges I need to simply present my HSBC XXXX XXXX XXXX XXXX. I believe this is fraud and misrepresentation and HSBC should refund the lounge charges. I will be filing a complaint with the Consumer Financial Protection Bureau and pursuing a class action lawsuit. I don't think I am the only premier card holder affected by this. I will take my banking business elsewhere. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-03-03

Englishtown, NJ

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

2018-03-02

La Vernia, TX

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: I am not sure if this is the correct area to report this, but I am an online retailer and had a customer dispute charges and their funds were returned by the service provider. I am the victim here, I do not know if the purchase was valid or not. On XX/XX/XXXX, a purchase was made for XXXX by faith XXXX aka XXXX XXXX, using the email address XXXX. Last 4 of the card XXXX. IP address XXXX ( from server at XXXX ), source : XXXX XXXX, sent to address : XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX, user agent XXXX. Internal ID XXXX, order_id XXXX. The dispute was made XX/XX/2018. The issuing bank is HSBC BANK XXXX. fingerprint : XXXX with the card expireing on XX/XX/2018 XXXX. I dont know what to do.
Company Response: Closed with explanation

Timely Response