HSBC NORTH AMERICA HOLDINGS INC

2018-02-16

Lexington, KY

Incorrect information on your report

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

Account information incorrect
Complaint: I an entry on my XXXX Credit Report about a {$250.00} debt to HSBC ( Acct # XXXX ) which appears to be in collections. I do not own such debt and it does not appear in my other credit reports.
Company Response: Closed with explanation

Timely Response

2018-02-16

Las Vegas, NV

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Complaint: HSBC credit card are accusing me for a transaction that I didn't make. There system are posting wrong dates on my transaction and its there job to double check not mines. the transaction made on XX/XX/XXXX beside XXXX are considered to be a frad, and wrote on their paper statement that we aren't reliable with any frad transaction and they are dening this!!! HSBC is being very unprofessional no wonder nobody really talk about this company ... I have been with them for only 2 months or so and they are doing a horrible job already. what a good way to welcome a customer
Company Response: Closed with explanation

Timely Response

2018-02-15

Brooklyn, NY

Other transaction problem

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

Complaint: My account was incorrectly targeted From XX/XX/2017 to XX/XX/2017 My account is at hsbc Hsbc authorize consecutive payments To XXXX XXXX XXXX from my accont without my consent and refuse to return my funds to my account Its a total of XXXX dollars
Company Response: Closed with explanation

Timely Response

2018-02-15

Tyrone, NM

Struggling to pay your loan

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

Company Response: Closed with explanation

Timely Response

2018-02-15

Other service problem

Money transfer, virtual currency, or money service: International money transfer

Company Response: Closed with explanation

Timely Response

2018-02-15

Flushing, NY

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-02-14

Morton Grove, IL

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

2018-02-14

Charlotte, NC

Other transaction problem

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

Company Response: Closed with explanation

Timely Response

2018-02-13

Woodbury, PA

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-02-13

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2018-02-13

Bar Harbor, NY

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2018-02-12

Columbus, OH

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I tried to log onto HSBC internet banking. I logged in and a message said that I needed to contact them because there is a block on my account and I cant see my info. So I called and an hour later I still hadnt gotten anywhere. They just give me the runaround. Now, Ive currently got an open dispute that Im waiting to be resolved. I couldnt see my information to see if its been resolved.
Company Response: Closed with explanation

Timely Response

2018-02-12

Jamaica, NY

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2018-02-12

Syr, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-02-12

Columbus, OH

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I have a fraudulent atm transaction on my HSBC debit card. I got a letter today saying they denied my claim, that the transaction was authorized. Umm, HELLO PEOPLE! I most definitely did NOT AUTHORIZE any such transaction. Theyre zero liability policy isnt worth a thing if theyre just going to deny your claim for no reason! I DID NOT AUTHORIZE THIS TRANSACTION!!!!!!!! I am not letting this go! I was ripped off and youre not honoring your zero liability policy. Youre supposed to be on my side, not the thieves side!
Company Response: Closed with explanation

Timely Response

2018-02-12

Owego, NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-02-12

Brooklyn, NY

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: InXX/XX/XXXX I had opened up an account at the branch and they were offering a promotion to refer customers to HSBC. Each new account customer gets a {$250.00} bonus for being an " Advanced Checking Customer '' if acct is funded with $ XXXX. 3 months go by and I following up with bank that it still missing. They credit the account with {$100.00} and missing {$150.00}. I contact the bank again. They said it takes 8 weeks to post after the acct is opened for 3 months. After 5 months still not resolved. At 6 months, we follow up again and they said give it another month. So I've already placed at least 5 phones calls to the branch and main number. On XX/XX/, we call HSBC main number and they find the wrong promotion code is entered and file an investigative report. Said to give them a week and they will call back. I called them on XX/XX/, and they have no idea what is happening and still not resolved. I am filing a complaint in that they are misleading people to opening accounts but will not commit to the advertisement. They hold onto your money with no one taking charge to resolve the case. You can't close your account as they hold this issue open as hostage and charge you a penalty if you close prior. This the 2nd complaint I'm filing as they have said they will escalate and then closed the case before it was resolved. When I called in and I had the customer service representative, XXXX to note on the account that my mother, XXXX, to be given full authorization to discuss all aspects of this account as I was traveling out of the country and yet they would not disclose the resolution to her. Because they did not fund the account in a timely manner, I was likely hit with charges while traveling abroad. They should reverse any account charges as if the funds were there. Very poor customer service. They refuse to provide a number to call into the corporate office. They would only provide an address to write in and it may take 30 days to get a response.
Company Response: Closed with monetary relief

Timely Response

2018-02-09

Denver, CO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-02-08

Albion, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-02-08

PA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I am trying to get intouch with the Beneficial finance company. They sold all their loans in the US. Since we never completed a loan with them we do not have an account number and our SS# are not on any records they have. I sent the following letter to them explaining what problem we needed fixed by them and we sent it certified mail but when we track it there is no information that it was delieveded. Here is what I sent them.We need some one to remove a record at our local XXXX county courthouse in XXXX that says our property is being used as collateral on a loan through XXXX XXXX XXXX. On XX/XX/XXXX we applied for a loan at the local branch office in XXXX, Pa and then a day or so later we went back into the office and cancelled the loan. No checks were ever issued, and it fell within the three-day period we were given to think it over. Recently we applied for a second mortgage through our local Credit Union and they did a property report which showed a loan on it with date of XX/XX/XXXX and it was recorded on XX/XX/XXXX, record book XXXX record page 497 in the amount of XXXX. We need this removed to avoid future problems and we need a letter faxed to our credit union to tell them that we do not owe you for this loan and that the property is free and clear of this debt. Please fax this letter to XXXX XXXX XXXX XXXX XXXX attention XXXX XXXX XXXX. Please act quickly since the loan we are applying for will be on hold till we can prove we don’t owe this money.
Company Response: Closed with explanation

Timely Response

2018-02-08

Fort Stockton, TX

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted you after you asked them to stop
Complaint: A company claiming to be XXXX XXXX XXXX, contacted me. Very threatening when I called them back. This debt has been charged off.please see transcript of voicemail they left below ______ hi this is XXXX XXXX calling with the XXXX XXXX some of the vision inspector ______ trying to get in contact ___ _______ _____ XXXX XXXX XXXX proximity to XX/XX/XXXX XXXX years of age __ it's _______ calling to inform you that we received a ____ of action or today from the county clerk liaison 's office concerning a repeat of my compliance on the _____ as well as to from complaints being filed to get your name XXXX security number ending in XXXX at this time due to the XXXX XXXX not __________ they are asking that _____ documents __ be served ________ to your residence or placement appointment to have you sign for court appearance I just wanted to verify some information with you about ___ record before coming out but unfortunately I'm available um we will be making our way out shortly to a XXXX XXXX XXXX if you're not available we will have no choice but to try __ XXXX XXXX XXXX XXXX XXXX __ a place of employment if you're at your place appointment you possibly need _ witness from her supervisor or somebody from HR department in order to sign for your legal documents um if you have any questions or concerns you may contact ______ __ __________ at XXXX again that's XXXX when calling please refer to case number US as _ like United States XXXX XXXX XXXX XXXX call has been recorded document __ the show proof that ___ find a little _____ __ ___ leave _ notify today 's date XX/XX/XXXX XXXX you _____ XXXX XXXX XXXX _____ the XXXX
Company Response: Closed with explanation

Timely Response

2018-02-08

Oxford, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-08

Davenport, IA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-02-08

San Diego, CA

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

2018-02-06

Ridley Park, PA

Other service problem

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

Complaint: Dear whom this may concern, I currently have choice checking account with HSBC. I received letter in the mail dated on XX/XX/XXXX saying that I need to visit local branch or call HSBC at XXXX XXXX XXXX. This letter says that HSBC need additional information to complete the records of my account even though it has already been opened since XX/XX/XXXX. The letter threatened to suspend my account or even close my account if I don't complete this by XX/XX/XXXX. I am unable to visit the local branch because I am traveling indefinitely. I proceed to call the number since last week numerous time. Each time I was put on hold for over an hour with no luck. I have tried calling other numbers such as ( XXXX ) XXXX. No one was able to respond to what this " additional information '' request is all about. I was transferred to the " right department '', but was still on hold. In multiple calls, the result was the same and I was put on hold for over an hour each time. I was told by the representative that I will be emailed back or called back, but I never heard back from anyone. I have already given every means for HSBC to contact me back including my email address, my phone number that works in the US, and another number that works while I travel in XXXX. The total time I wasted to wait for someone to respond was over 4 hours since I tried to call. This whole thing is unprofessional and inhumane. HSBC side could not be reached in the first place. First of all, there was nothing wrong with my account. Secondly, HSBC should be the one to try to reach me via phone and email. The act to demand me to contact the company when HSBC was never available is the worst kind of of business practice. I demand some real monetary compensation for wasting both my time and emotional energy of trying to reach you since XX/XX/XXXX until now. Finally After being put on hold for 45 mins on XX/XX/XXXX, someone finally answered. I was threatened by HSBC Just so they could complete basic trivial info like " how am I going to be using my bank account '' Or if " I recently graduate and where do i work. '' I demanded to speak to a supervisor, and was still put on hold as the supervisor couldn't be reached. I was told that my complaint will be filed, and I was promised that I will be contacted back. I hope this promise is true because I have yet to be compensated for this mess. In another separate incident, I asked one of the rep on the phone about transferring money between from my brother 's account to mine. We both owned HSBC account so we would like this to be done electronically on XX/XX/XXXX. I was advised to use the bill pay function and was guaranteed on the phone that the money will be received in 3 to 5 business days. A week passed, and I did not receive the money in my account. Instead we gave up and he had to do another separate transaction to wire the money in. It took over 3 weeks to transfer the money!!!
Company Response: Closed with explanation

Timely Response