HSBC NORTH AMERICA HOLDINGS INC
Consumer Complaints
There are over 9237 complaints on file for HSBC NORTH AMERICA HOLDINGS INC. Dated between 2019-12-16 and 2011-12-01.
Complaints Page 66
2017-12-20
CA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: I lost my HSBC debit card in XXXX 2017. When I noticed the loss I immediately contacted XXXX XXXX and they informed me about fraudulent charges of XXXX XXXX. I was told that my funds will be restored and they will send me a new card. I contacted XXXX police department and filed a police report XXXX and I also filed Identity theft report with Federal trade commission XXXX too. I provided all that information to HSBC and their employee XXXX XXXX. It is already three month that my funds are not restored. I contacted HSBC several times and nobody helped me. Everybody told me that I should talk with XXXX XXXX and that person was never available or returned my calls. I am out of XXXX XXXX of my hard earned money and HSBC bank never tried to help me and secure my funds. None of their employees ( especially XXXX XXXX ) or supervisors did any investigation or contacted me to help this matter. This type of service from HSBC is against Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, and from my experience they dont care and have no interest helping their client.
Company Response: Closed with explanation
2017-12-20
Lowell, MA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-12-19
Bettendorf, IA
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2017-12-18
Columbus, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Dear Sir/Madam : I had/have Previously Submitted a Complaint/Request for Assistance, and the Consumer Complaint Number # XXXX, against XXXX XXXX XXXX XXXX XXXX, Loan Number # XXXX. On today, I received a letter dated XXXX XXXX, 2017, from Beneficial.
That letter at Paragraph 3, references a Lien for XXXX XXXX XXXX, that Lien was disposed/avoided of in the Federal Bankruptcy proceedings, after the XXXX XXXX XXXX did not challenge it by the Federal Bankruptcy Judge. Beneficial was provided a copy of that Court Order by my Bankruptcy Attorney ( XXXX XXXX XXXX ), that handled my case, after Beneficial refused to acknowledge the copy of the bankruptcy proceedings that I sent them. If Beneficial has provided you with a copy of the XXXX XXXX, 2017, letter that I just received from them, please note that they have omitted that document? I have provided as an attachment a Copy of that Court Order from Judge XXXX for you to review. How is it that Beneficial forgot to provide that document to you, this in itself is the whole basis for the Complaint against them. Beneficial has willfully and knowlingly not submitted documents that prove that I am right. Additionally, XXXX XXXX has never submitted any documents, be it letter or Confirmation from XXXX XXXX XXXX that Lien is still Valid. I also contacted the XXXX XXXX of XXXX XXXX, which handled the bankruptcy proceeding on XXXX XXXX XXXX 's behalf. In view of this information and the statements made by XXXX XXXX XXXX XXXX, in that letter dated XXXX XXXX, 2017, they must provide proof of whom and when they spoke with at XXXX XXXX XXXX, time, date and Phone Number, so that Debt Lien can be acknowledged.
XXXX XXXX XXXX XXXX, must not be allowed to Pawn this off on " XXXX XXXX XXXX, XXXX, as they had nothing to do with the information being provided by XXXX XXXX XXXX. As you now have the Court Order that Beneficial did not provide you with, and no way of knowing who from Beneficial spoke with whom at XXXX XXXX XXXX XXXX and when, that needs to be resolved in writing by XXXX.
Company Response: Closed with explanation
2017-12-18
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-12-15
Hinsdale, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XXXX 2017, without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide.
The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid.
HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds.
Prior experience shows that HSBC takes complaints to CFPB as jokes and does not properly respond. HSBC knows that it can respond with a dog bone image, and CFPB promptly accepts it as a timely response and closes the case.
Company Response: Closed with explanation
2017-12-15
Colo Spgs, CO
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2017-12-15
West Side, MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-12-14
Gladstone, MO
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2017-12-14
Kingstown, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: My account with HSBC # XXXX is showing as derogatory Information but marked PAYS AS AGREES. They need to prove to me there was late payments and when!
Company Response: Closed with explanation
2017-12-13
NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: This account is not being reported on my XXXX & XXXX credit reports and it 's affecting my credit.
Company Response: Closed with explanation
2017-12-13
Foothill Ranch, CA
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
Complaint: On XXXX XXXX 2017, I received a bill from HSBC bank which appears that someone had stolen my identity and opened a new credit card under my name and address. They charged {$9400.00} on the card. I called HSBC bank that night but was on hold for almost one hour. I tried calling again the next morning and was on hold for another 50 minutes. Finally, I went to the branch in XXXX, CA and they had me call their Fraud line again. I called from the bank and was on hold for another 37 minutes before someone talked to me. I was asked to fill out an affidavit form which I did and returned back to them but have not had any results. I also disputed the card on XXXX but HSBC bank certified to XXXX that the information is correct. When I was at the bank, they told me some information filled out on the credit card application was incorrect. The applicant used the wrong home phone number and wrong email address. There was another bank that the criminal got a card from also under my name, but that bank had already resolved the dispute and removed it from my credit report. HSBC however does n't seem to care about my credit score and their customer service is very slow in responding. I think someone needs to audit the dept that is approving credit card applications at this bank. Especially if they are allowing transactions like this to go through. Other banks would have called to verify or have the stores check photo IDs.
Company Response: Closed with explanation
2017-12-13
Tucson, AZ
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: I WAS TOLD THAT BECAUSE I AM A XXXX / XXXX PERSON, HSBC WOULD NOT ACCEPT MY APPLICATION FOR A SIMPLE CHECKING ACCT, STATING THAT I LIKELY HAD NO VIABLE SOURCE OF INCOME ... .EVEN THOUGH I HAVE SS. THIS IS A CLEAR VIOLATION & OF DISCRIMINATION LAWS
Company Response: Closed with explanation
2017-12-12
Coral Springs, FL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2017-12-12
Smoke Rise, GA
Took or threatened to take negative or legal action
Debt collection: Other debt
Sued you without properly notifying you of lawsuit
Complaint: CFPB CASE # XXXX XXXX XXXX XXXX XXXX XXXX file suit on debt time barred. Judgement/Lien are preventing home mortgage refinance resulting in extreme financial stress.
Company Response: Closed with explanation
2017-12-12
Galena, 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 voice mail from my work phone and personal phone on XX/X/2017 from a XXXX county currier '' they claimed to have time sensitive documents they needed to deliver. They directed me to call XXXX file number # XXXX. I called that number and I 'd was a company called XXXX XXXX XXXX. They claimed I owed over {$2000.00} dollars fo a HSBC credit card that was dated XXXX/XXXX/XXXX. They stated if I did not pay within 10 days they would sue me and or file a IRS tax hold against me and seize my bank account and personal property and would increase the amount to over {$4000.00} for collection and lawyer fees.
I did have a credit card that was charged off in XXXX for {$300.00}.
I called HSBC and they had no records of the account and claimed they do not keep records beyond 7 years.
This debt amount is incorrect and beyond the statute of limitations for 6 years in my state of Ohio.
By contacting me at work they have caused extreme duress and perhaps future problems with my employer.
Company Response: Closed with explanation
2017-12-09
Smoke Rise, GA
Took or threatened to take negative or legal action
Debt collection: Other debt
Sued you without properly notifying you of lawsuit
Complaint: 1. File suit for a debt taken out XXXX XXXX, attorney knew or should have known was time-barred 2. Failed to notify me of final judgement/lien 3. Improperly signed my name to Court Order & Judgement which I never saw or knew had been issued 4. CFPB to impose {$1000.00} statutory penalty ; liability for emotional distress, losses due to potential delay in mortgage refinance 5. CFPB to note violation of Court Order Civil Action # XXXX dated XXXX/XXXX/XXXX and take action as appropriate
Company Response: Closed with explanation
2017-12-08
Syracuse, NY
Incorrect information on your report
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2017-12-07
Vicksburg, MI
Communication tactics
Debt collection: Mortgage debt
Frequent or repeated calls
Complaint: I received a letter/statement datedXX/XX/XXXX from a company called XXXX. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them onXX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( HFC ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from XXXX. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that XXXX or HFC had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 HFC statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to HFC, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by HFC on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the HFC statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to theXX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why XXXX says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.
Company Response: Closed with explanation
2017-12-07
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-12-06
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with monetary relief
2017-12-05
Magnolia, TX
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: I paid of my credit card account with a settlement. I made the payment back XXXX XXXX2016. I have the paperwork showing that i made the payment. I would like this taken off my account showing that I have not paid it.
Company Response: Closed with explanation
2017-12-04
Centerville, OH
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was paid
Company Response: Closed with explanation
2017-12-04
Barceloneta, PR
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2017-12-01
Columbia, SC
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Company Response: Closed with explanation