HSBC NORTH AMERICA HOLDINGS INC

2018-03-02

Baxter Estates, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-03-02

El Paso, TX

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-03-01

NY

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Complaint: HSBC changed their website to pay bills online about three to four months ago. The website is literally awful, impossible to navigate that I will now have to find time to close my online bill payment account which I have had for over twenty years. I have many automatic bill payment accounts, therefore closing my HSBC account will be time consuming. have two HSBC credit cards, a checking account and a savings account. In order to have free checking, I have to maintain a minimum of {$10000.00} in my savings account which is unacceptable. But getting back to bill payment. I tried to make a payment on my HSBC credit card, but I inadvertently made a cash advance instead. I called HSBC five minutes later and they refused to cancel the cash advance which carries a fee. They promised me it would be straightened out in 4-5 business days which is unacceptable. Also with the new online banking I can no longer see what my minimum payment due on my HSBC credit card account is. This is unheard of. A representative from HSBC told me I have to access my estatments. In summary HSBC can not change their website to what it used to be. I have a college degree in XXXX XXXX ; would be happy to send my college transcript, but this website is geared to consumers to miss payments and enrich HSBC. Case in point, when one wants to pay a bill, there is no pay bill to click on, one must click on " transfer money ''. How is one supposed to know this.
Company Response: Closed with explanation

Timely Response

2018-02-28

NC

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Complaint: On XX/XX/XXXX, I was contacted by an XXXX from what he stated was XXXX XXXX XXXX. The first call was to my place of employment, on my day off, but luckily I was in the store when the call came in. I really did not understand the name of the person calling, and the place they were calling from was not stated during this call. The only information given was that I was being served papers. When I inquired what these papers were, it was for a debt that began 7 years ago. I kindly told them I would give them a call back as soon as I got home and would further discuss this with them. I was caught off guard that being threatened as soon as I got on the phone. Not only did they threaten me, they told my co-worker who answered the phone they were calling for me and that I was going to be served papers there the next day. Once I called " XXXX XXXX XXXX '' back, XXXX claimed I had been mailed papers four weeks prior to this call. XXXX also stated that they were mailed to my place of employment. When I was confirming the address, it was my home address they had on file. I had not received any written explanation about this debt at the address they had on file, and have not received any written documents to this day, XX/XX/XXXX. While I was speaking with XXXX on the phone, he sent me an email of the debt that was owed. I was informed that the original debt was somewhere between {$500.00} and {$600.00}, the exact amount I do not recall. The email that I was sent, and the information that XXXX gave me over the phone, is that the settlement amount was {$1100.00}, but the balance on the card was at {$1800.00}. XXXX is now telling me the new settlement amount is {$830.00} ( if I am remembering correctly ). On XX/XX/XXXX, I spoke with XXXX again, after I had spoken with an attorney for myself, XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX, CA. She informed me she had previously had a call similar to mine about a scam and someone using " XXXX '' as the name of their law firm, but she assured me it was not her. She informed me to contact the original holder of the card in order to track down this debt to know for sure if it was legitimate. Since then, I have contacted the original holder of the card and 6 other collection agencies, the most recent one the card was sold to in XX/XX/XXXX. I have been diligently working to find the owner of this account, but have hit a wall and not receiving calls back from the newest holder of this debt, which is not XXXX XXXX XXXX. Also, on XX/XX/XXXX, XXXX called my place of employment after speaking with me, and informed my boss that he would be faxing over wage garnishment forms to be filled out. My boss immediately called and notified me of this, and soon after XXXX called and told me wage garnishment papers would be faxed. I did inform XXXX I had spoken with my boss and informed her not to fill out anything until I knew this was not a scam. She agreed with me, after I told her all the details of what is going on. Since these calls started I have been in contact with the FTC, the FBI for possible identity theft since all of my personal information is in the email, trying to contact my state Attorney General, finding out the NC laws regarding being sued for a debt and the statute of limitations on being sued. I have researched the address on the email letterhead, which leads to an Executive tower in XXXX XXXX, but since there is no XXXX XXXX for this law group, I can not validate its legitimacy. I have researched the phone numbers, business name, checked with the California Bar Association, and I am unable to find this law group. I am now receiving more threatening calls, latest one was today XX/XX/XXXX, in which XXXX told me I will be served with court documents tomorrow at my place of employment.This now contradicts what was previously stated on the XX/XX/XXXX. XXXX went from being able to send the garnishment papers straight to my boss to having to appear in court and have it court ordered. I can understand someone doing their job, but receiving threatening calls about being sued and being served papers is illegal, and XXXX calling my place of work telling them what is going on and speaking with my boss is not acceptable.
Company Response: Closed with explanation

Timely Response

2018-02-28

Ellenwood, GA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-02-28

Cucamonga, CA

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with non-monetary relief

Timely Response

2018-02-28

Columbus, OH

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: This is about a fraudulent ATM transaction in the amount of {$500.00}. This occurred on XX/XX/2018. I have previously contacted HSBC and the CFPB about this issue. The response I received from HSBC stated I need to contact their fraud department to get this resolved. Okay, so I contact them and after going through all the hurdles ( Im XXXX, have to use XXXX XXXX ), Im finally put in touch with XXXX I think his name was. He was rude and made it sound like I was a criminal. I said I was calling about my claim and all he said was Your claim is denied. Then finally he says I need to file a police report to get the claim approved. Okay, now they never told me that was required when I filed the initial claim. So I go to the police station to file a report and the officer tells me that its been a month since the fraud occurred and refused to file the report. Again, HSBC never told me a police report was required. The officer then tells me that its a civil matter anyway between HSBC and myself. Now, in the response from HSBC in regards to my first complaint to the CFPB, they said that my claim was denied because the card ending in XXXX was issued to me, the card was present during the transaction, and the PIN was used. Okay, thanks Mr . Obvious! Of course the card was issued to me. They just denied me by repeating exactly what Im complaining about!!!! As Ive explained to them umpteen times, the card is no longer in my possession. It was obviously lost/stolen. How they got the PIN number is anybodys guess. The fact remains, I DID NOT MAKE THIS TRANSACTION! I shouldnt have to jump through this many hoops to reclaim my stolen funds. Its obvious that HSBC is just trying to get out of honoring their zero liability policy. That policy is a joke. Ive never been treated so poorly by a bank, or any company for that matter.
Company Response: Closed with explanation

Timely Response

2018-02-27

Baker, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-02-27

Millville, CA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Title loan

Company Response: Closed with explanation

Timely Response

2018-02-27

Wichita, KS

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: > I purchased a XXXX XXXX from a private party on XX/XX/XXXX > I have a Bill of Sale and the Title of the Jetski which was transferred to me. > The original owner purchased the jet ski XX/XX/XXXX and it was financed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. > The title lists XXXX XXXX XXXX XXXX XXXX as the Lien Holder. > As the new owner, I'm required to register and title the Jetski in my name in the State of Missouri where the Jetski is currently titled. > The original owner never received any documentation from XXXX XXXX XXXX XXXX XXXX stating his loan was paid off and now XXXX XXXX XXXX XXXX XXXX is no longer in business. > I contacted XXXX and learned that XXXX XXXX XXXX XXXX XXXX was acquired by XXXX XXXXXXXX XXXX, XXXX IL in XXXX. > I've tried to contact XXXX XXXXXXXX XXXX to gain a Lien Release document on the Jetski per the title. But when I call the phone number or try and contact them it goes no where. > Additionally, I see a lot of very similar complaints on the web of this very same problem. > I've attached the Title and Bill of Sale scanned Documents
Company Response: Closed with explanation

Timely Response

2018-02-26

Everett, WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I received a letter from a 3rd party debt collector who was attempting to collect a debt of XXXX. on or around XX/XX/XXXX. I wrote a response and mailed it XX/XX/XXXX certified mail asking for more information about the debt before further collection attempt be made. the letter from the debt collector showed the last date a payment was made on this account was on XX/XX/XXXX. In Washington state the Statute of limitations to collect is 6 years per ( RCW XXXX ) I stated in my letter if in fact this debt was mine it would be to old to collect by law. The Debt collector didn't provide any information that I requested via my response letter sent certified mail, and in turn sold the junk debt to another collection agency. this should be a direct violation of the law per FDCPA. Thank you for reading my complaint.
Company Response: Closed with explanation

Timely Response

2018-02-26

Fresno, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I am recieving continuous phone calls from a company trying to collect a debt for HSBC from XXXX which i do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to take legal action and threats to sue me or have me arrested. They have also reported it to my credit file with the 3 reporting agencies as a debt being opened in XXXX, resulting in a drop in my credit score and for other creditors to reduce my credit lines due to this negative report. I have disputed this on my credit file.
Company Response: Closed with explanation

Timely Response

2018-02-26

Brooklyn, NY

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Company Response: Closed with non-monetary relief

Timely Response

2018-02-23

Allentown, PA

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

2018-02-23

Las Vegas, NV

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-02-23

Auburn, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: As of XX/XX/XXXX, I continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX. My mother passed away in XX/XX/XXXX and my father passed away in XX/XX/XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XX/XX/XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' On XX/XX/XXXX based on a hardship request I made to Beneficial, I was conditionally approved for a short payoff through their loss mitigation process. Very shortly thereafter, I was I was then later notified by Beneficial that my father 's loan was transferred to XXXX XXXX XXXX , XXXX effective XX/XX/XXXX, and subsequently transferred to XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. Beneficial did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to XXXX without interruption. This was later confirmed by XXXX on XX/XX/XXXX via their follow-up notification. Information requests to Beneficial, as recent as XX/XX/XXXX, including a Qualified Written Request, have gone unanswered by Beneficial. How is it possible for Beneficial to transfer the servicing of my parent 's loan and subsequent sale of their loan to investors during the loss mitigation process? Although Beneficial stated XXXX would honor the existing loss mitigation agreements, XXXX has neglected to do so. Beneficial is conducting business in a fraudulent manner which places further hardship on homeowners when trying to resolve issues in a lawful manner.
Company Response: Closed with explanation

Timely Response

2018-02-22

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2018-02-21

Dallas, TX

Getting a credit card

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

Delay in processing application
Complaint: Over the last two weeks I have spent hours on hold and never gotten a live person to tell me the status of my credit application.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-20

Mill Valley, CA

Confusing or missing disclosures

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

Complaint: The Credit Card Company is HSBC. 1 ) They promised me checks so that I could transfer $ $ from my XXXX XXXX HELOC to HSBC after my account was approved. Check were supposed to arrive XX/XX/XXXX -- never arrived. 2 ) So I began the Transfer with XXXX XXXX ... .money finally got over in early XX/XX/XXXX. All good so far. 3 ) On XX/XX/XXXX, HSBC charged me {$230.00} for what they call a " Transaction Fee '' for the Transfer ( 4 % ) My dispute is nobody ever told me I would be charged a fee ... .its buried in their disclosure. My purpose of moving the money was to avoid interest at XXXX as HSBC is interest free for 18 months. Well this {$230.00} ( a hidden fee to rip off people like me ). I want the {$230.00} fee waived as its a shameless move to rip off users.They need to be more upfront. I would not have moved the $ $ had I known it would cost $ $ . Plus, if I had the checks they promised, I could have just written a check ( I stilll have not received the checks they promised me. NOTE : Their Customer Service is terrible as well
Company Response: Closed with explanation

Timely Response

2018-02-20

Wooster, OH

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-02-20

Hammond, IN

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-02-19

Scottsdale, AZ

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.
Company Response: Closed with explanation

Timely Response

2018-02-18

Reynolds, IN

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: My ex-husband & I filed chapterXXXX bankruptcy in XX/XX/XXXX, the 2nd mortgage on our house was in it through Beneficial Finance. I am now trying to sell that house since my mother died & I am now living in her house. When the title search was done, the mortgage for Beneficial is still showing. As far as I know it was paid for in the bankruptcy which was discharged on XX/XX/XXXX. Beneficial was bought by HFC, then HSBC. I called HSBC on XX/XX/XXXX, I was transferred 3 different times until was given the # XXXX. When I called they were closed. I called again on XX/XX/XXXX, and they were still closed. on XX/XX/XXXX I called again & talked to a XXXX that told me to send the title search & a recorded mortgage with my county. That was done XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX. There was no response. The title Co. & I each tried calling them to see what they found & we each got the recorded message that the office had been closed. The message also had an address to send correspondence, but no phone number to reach them. on XX/XX/XXXX we send another title search & recorded mortgage to them. With still no response. Since I am living in my parents house already & can't sell my old house. This is creating a financial hardship on me. I would greatly appreciate it if you can help me.
Company Response: Closed with explanation

Timely Response

2018-02-16

Brooklyn, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-02-16

OH

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: On XX/XX/2018 I was called on my mobile phone number by an " UNKNOWN NUMBER ''. The caller left a message as such : " This message is intended for ( First name, last name - both correct ), my name is XXXX XXXX contacting you about a complaint in my office being considered for legal action. Contact the firm at XXXX with any questions or concerns regarding case # ( 6 digit number ). No contact may result in a decision perhaps made without your consent. '' I dialed the number and a young lady asked to confirm my case number and then read me that last 4 digits of my social security number to confirm my identity. She stated that the company was going to file a judgment against me on behalf of XXXX XXXX XXXX for a debt that I owed. ( That debt is over 10 years old and the Statue of Limitations has passed and the amount was very small ). I asked her the name of her company and she stated " XXXX XXXX XXXX ''. I asked her if they were a collection agency or attorney firm and she couldn't answer the question so I asked to speak to an attorney there. She put me on a long hold and finally a man named XXXX XXXX answered. I asked him to clarify the name of the company and he refused. When I stated incorrectly XXXX XXXX XXXX, he said, " well obviously you don't hear well because the name is XXXX XXXX XXXX. '' He was extremely rude and I informed him that I didn't feel I owed the debt and that possibly the SOL had expired and he said, " Well, since you are a CSI guy and watch television you think you know the law now '' I informed him that I was well aware of my rights and the nature of the FDCPA and that I believed he was in violation. I asked the address where he supposedly sent the demand letter with all supporting documentation. The address he gave has never been an address at which I lived or worked, nor is it an actual address in any of the places I have ever lived. I asked to speak to an attorney there and he said one had not been assigned and that I was wasting his time and that I wouldn't get to speak to an attorney. I asked him if my attorney called would my attorney get to speak with an attorney. He became extremely rude and stated that he was busy and I was wasting his time. He hung up on me in mid sentence shortly after that. Additional calls were more of the same banter - I tried inform him that his company name was not listed as a company with the CA Secretary of State and he said that was my problem for not know how to use a computer and again was extremely rude. He stated I was harassing them for trying to get clarification. After research online, it seems that this company has many complaints from other consumers on various telemarketing bulletins boards and complaint sites that they never have the correct information and threaten legal action to collect money. Here are some examples : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response