HSBC NORTH AMERICA HOLDINGS INC

2019-09-20

Manhattan, NY

Closing an account

Checking or savings account: Other banking product or service

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-09-20

Bohemia, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-17

Feasterville, PA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-09-17

San Gabriel, CA

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Complaint: I was left a voicemail stating they were a mediator and my case is in civil court so I needed to contact them immediately. Once I contacted the lady stated my court date was XX/XX/XXXX and she needed to email me the court documents. I explained I do not have a debt. for this amount or with this company and at this point she got very feisty and said she finds that hard to believe since the years were for many years. The agent kept putting me on hold and said she would send me copies of documents by email and that was a lie. The email was a notification letter to collect a debt. I called back and spoke to another agent who apparently lied as well by saying he would handle this and believes it might not be my debt and will get me copies of the contracts as well because I requested the proof and he also said he will keep this from the upcoming court date. This agent said he will email me proof and again all I got was a lie and a notice of an attempt to collect a debt. This agent also stated I didnt have to do anything because he was taking care of this but he lied and if I dont respond then I pass the 30 days. The agent I spoke to the first time I think was XXXX and the 2nd agent was XXXX XXXX. This is NOt my debt and I requested the original contract to prove its me!
Company Response: Closed with explanation

Timely Response

2019-09-17

Houston, TX

Trouble using your card

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

Can't use card to make purchases
Complaint: I received an invitation from HSBC US to apply for a credit card in the mail. I completed the application online. My application was approved. This happened XX/XX/2019. I got my credit card XX/XX/2019 and managed to log in on HSBC 's website to view my account. On XX/XX/2019 I received balance transfer checks in the mail. However, I can not use the card, because I didn't receive a PIN number from the bank. HSBC claim they can not verify my identity. I have spent 8 hours calling and chatting the bank with no result. I emailed HSBC 's fraud department a copy of my drivers license XX/XX/2019 and again XX/XX/2019 ( this time from XXXX office ). Absolutely no response. Why is this bank allowed to commit this kind of deception in the US?
Company Response: Closed with explanation

Timely Response

2019-09-17

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-16

Tulsa, OK

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-16

Gloucester City, NJ

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-16

Fort Collins, CO

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

2019-09-16

Bayside, WI

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

2019-09-16

Other transaction problem

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

Company Response: Closed with explanation

Timely Response

2019-09-14

Tulsa, OK

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: In XXXX of this year my brother received a call from XXXX XXXX, XXXX and told him I needed to contact them on a past credit card I owed on. I contacted the company and I was told I had an old credit card balance in the amount of close to {$2000.00} but the creditor would settle for around {$1000.00}. I asked for verification and asked who the company was. They told me they couldn't give out this information but they were getting ready to sue me. I told them it wasn't on my credit report and they explained they didn't have it on there which I thought was strange. I have paid this company {$60.00} a month since XX/XX/2019. I did find out from a representative it was from a bank called HSBC Bank and I have never had a credit card from them. I called asking for my money back but they will not work with me. I do not owe them anything. It is a scan.
Company Response: Closed with explanation

Timely Response

2019-09-14

Washington, DC

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Company Response: Closed with explanation

Timely Response

2019-09-13

Quartzsite, AZ

Trouble using your card

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

Can't use card to make purchases
Complaint: On XX/XX/2019, I received a credit card I applied for from HSBC Bank. I was approved for {$4000.00} on the card. On XX/XX/2019, I tried to use the card to pay for repairs to my car and it was declined. I called the 800 number on the back of my card and after a 45 minute wait on hold, I got a gentleman who said the bank put a hold on the card. When I asked why, he didn't know. I asked to speak to a supervisor and again I was put on hold for close to an hour. I finally got to speak to a supervisor who said the bank put a hold on the card because I didn't send them the information they needed. When I asked what info they needed, I was told they needed proof of address and an ID. Told them I never received any request for info from them. When I activated the card they said I was free to use it, only I couldn't. Told the supervisor when I got home I would fax the info to her, which I did, and she said she would call me the next day at XXXX : XXXX ( Thursday, XX/XX/2019. ) after she let the bank know I had sent what they requested. I never heard a word from her or the bank. After I sent a proof of address, I got to thinking that they had proof of my address, they sent the credit card to that address and I activated said credit card. I also sent them a copy of my drivers license which concerns me now. I called the 800 number on the back of the card on XX/XX/2019, when I was not called back and was again on hold for 30 minutes. The person who answered the phone knew nothing of what was going on, so I had to tell him the whole story again. He said give me the pin number which was sent with the card. I read the number to him off of the paper they sent me. He stated that number was incorrect. I told him the number was the one they sent me. He said he would then text me a code and I was to give it to him. I read the code that he texted and he said it was wrong. Said he would resend another code. I read that code to him and he said it was wrong and he could no longer help me and he hung up. I got on XXXX and looked up HSBC Bank and there were numerous complaints about them and a lot of people had gone through what I had. I am beginning to think this is some kind of a scam. I DO NOT WANT THE CARD. I would like it closed and my credit report to be expunged of their inquiry. I don't want anything from them on my credit report, I am praying that they do not use the copy of my drivers license for anything.
Company Response: Closed with explanation

Timely Response

2019-09-12

Juniper Hills, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: Good afternoon : On XX/XX/XXXX at XXXX PST and today XX/XX/XXXX at XXXX PST I have received phone calls and voicemails from a number missing one digit - XXXX and a person by the name of XXXX XXXX leaves me messages that he has received legal documents under both my name and social and that any questions need to be directed using the file number XXXX and to call XXXX. I called them back on XX/XX/XXXX XXXX PST and spoke with a XXXX XXXX she said she was is the XXXX XXXX XXXX department, did not provide the name of the company but when asked she said they are from XXXX XXXX XXXX XXXX and that I have a collection account from HSBC/XXXX XXXX credit card number ending XXXX that defaulted on XX/XX/XXXX for the original amount of {$1300.00}. Their client is willing to accept half of the amount owed, {$660.00}, but it must be today XXXX by XXXX Eastern Time or they already have someone in my area to serve me with a civil action suit. Furthermore, if this happens I will then be responsible for not only the original amount owed but for attorney fees, court fees etc., totaling {$3600.00} and they will garnish my wages and place a lien on any assets I might have. I tried XXXX their number and looking up the name of their company, but can not find anything except the word Fraud when i XXXX them. I am listing the numbers and name ( s ) below for them : XXXX XXXX XXXX XXXX XXXX Rep. XXXX XXXX Rep. XXXX XXXX File # XXXX I am hoping you may help me with this matter.
Company Response: Closed with explanation

Timely Response

2019-09-12

Brooklyn, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-12

Memphis, TN

Closing your account

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

Can't close your account
Complaint: HSBC Bank USA Credit Card Holders Beware I took too long to activate the HSBC credit card and it was placed on a security hold. The problem is that I can't reach the security team to clear up the issue. I requested customer service to cancel my account since the card has never been used, but that also has to go through the " security team. '' I'm placed on hold for 55 minutes, at which point the on hold music goes off and the line is silent. I've continued to hold for 1 hour 45 minutes with dead air before hanging up. I've been trying to reach them on hold every day for over a week, so this is not an isolated event like phone line problems. This is unacceptable. I have an open line of credit that I can't use or cancel. What if my card gets stolen or used fraudulently? How can I cancel it or report it to the " security team '' that is apparently non-existent? Hopefully I can cancel the card, but I'll never get back the hours of my life STILL ON HOLD right now.
Company Response: Closed with explanation

Timely Response

2019-09-11

Nyc, NY

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: HSBC XXXX XXXX XXXX LOAN I have been trying to pay down my Home Equity Loan from HSBC since last year and every time I try to submit a check or online/telephone banking payment to HCBS they are unsuccessful. Instead they keep charging me interest every month and failing to accept my payments. When I have sent a check they have been sent back to me, when I go into a branch they tell me they are unable to complete the payment because the Home Equity Loan is managed by a subcontractor and they are unable to reach the right person, when I call HSBC the same thing happens. I have escalated this several times at HSBC, both via my Premier relationship manager and via the HSBC XXXX call center, and every time they say they will try to connect me with the right person to help process the payment on my loan, but they either leave me on hold for extensive periods of time or they ask me to call back/visit a branch. It's been going on for about a year and I don't know what to do other than file a formal complaint. I have asked that the bank keep a record of every time I have visited a branch, submitted a check, or called the call center to pay the loan. There are funds in my checking account to pay down this loan, so I have no problem to prove source of funds. I just would like your help getting HSBC to accept payment, and also to reverse the interest charges that have been applied since I started to attempt paying this loan.
Company Response: Closed with explanation

Timely Response

2019-09-11

Williamson, GA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: My parents received a missed call and a left voice mail message today, XX/XX/XXXX from someone stating they were from " XXXX XXXX (? ) XXXX '' a mediation firm, asking to speak with " a gentleman by the name of ( my name ) '' then proceeded to list the last four of my social security number. They claimed a civil matter is pending and it's time sensitive and listed their number for direct contact. XXXX. I called the representative back and she claimed that XXXX XXXX is attempting to sue me for an account closed out in XXXX. I have not received any legitimate contact in regards to this account for years. The lady then told me they could settle for {$320.00} today and could make payments but I have to let her know by Friday, XX/XX/XXXX XXXX EDT or else it's getting pushed onto court. I asked for verification of the debt and she said they couldn't provide that information because all information is held by the XXXX XXXX for " litigation purposes. '' I searched the number and apparently this is a known number for attempting to fraudulently collect on old, already paid debts.
Company Response: Closed with explanation

Timely Response

2019-09-10

Fort Macarthur, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-09-10

Dracut, MA

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

2019-09-10

Arlington, MA

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 have requested of HSBC Bank USA, N.A. to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, XXXX XXXX Customer Relations, VP ., the events that lead to my information being used without my knowledge. I do not have any responsibility for the debt as I have reported in the fraud claim, the Credit card was never recieved in the mail by me the account holder. This information is properly documented as the carrier disclosed that the card was delivered to a wrong address. The Executive team from the carrier's side stated that when they sent the XXXX driver who made the delivery to retrieve the card from where he confirmed to have delivered it, the same person who attended the door in the past denied to have received it. I have presented my concerns to HSBC Bank USA, N.A. executives on several occasions. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs.
Company Response: Closed with explanation

Timely Response

2019-09-09

Allen, 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: In XX/XX/2019 I received a text from HSBC asking was I trying to charge XXXX at a grocery store. I was not and texted no. I received a text back to contact the fraud department. I contacted them and the filed a fraud report. They person on the phone told me I would receive a form to complete in the mail. I received the fraud affidavit form and returned to to HSBC. I heard nothing back from HSBC. In XX/XX/XXXX I noticed my HSBC card had a balance on XXXX XXXX and contacted HSBC. My account had a XXXX balance. I never use this credit card. HSBC wrote me back and said the fraudulent charges had been removed and I was not responsible for them. I asked over the phone should I file a police report. I was told I should not. In XX/XX/XXXX I started getting collection calls from HSBC for the fraudulent charges. They referred me back to fraud department. I was told to file a police report and I did and gave them the report number. a month later I started receiving collection calls again. A few weeks later the HSBC collector refereed me to the fraud department and they requested a copy of the police report. I provided the report and they said I would hear from them in 10 days. That was XX/XX/XXXX. I have never gotten anything in writing about the fraud claim. After I spoke to collections I was told from that department that the fraud claim was denied. I asked the fraud department why the fraud claim was denied and why I had never gotten anything in writing as credit card companies are required. They did not answer my questions. All of the charges were made on the same I a received the text. I have never used this card in a store on online.
Company Response: Closed with explanation

Timely Response

2019-09-08

Oxford, GA

Other features, terms, or problems

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

Other problem
Complaint: I had this credit card with HSBC for some time now, which I very rarely use. Last I used this card in XXXX XXXX and charged {$110.00}. They stopped sending me monthly card statements. As I did not receive any statement since XX/XX/XXXX till now, I did not remember the balance amount. They sent me a collection notice in XX/XX/XXXX saying that I owe then {$79.00}. I called their customer service to ask why this is in collection and why I did not receive the statement. They mentioned that there was a returned statement so they stopped sending the statements. I paid the full amount and confirmed the address. They promised that they would start sending the statement. Again I did not get any statement, but received another collection notice, this time indicating that the balance I owe {$77.00}. I paid that on XX/XX/XXXX assuming that now I am paying the full amount. But again on XX/XX/XXXX they sent me another collection notice stating that this time I owe {$77.00}. I called them today and found out the total charge was {$110.00} in XXXX XXXX but as I did not pay I was charged interest and though the statement says I owe only {$77.00} I actually owe {$110.00}. I paid that amount fully today over the phone and asked them to close the account. My problem with HSBC is that they were not sending me the monthly statements and kept charging punitive interest. If one of my mail was returned ( I don't know why that will happen, as I this is my primary residence since XXXX and I get all my mail here ) why did not the back try to send me an email or tried to contact over phone. They have both my phone, and email on their file. Secondly, if they say they could not deliver the statement, how is it that they are able to mail me the collection notice at the same address, which I have received every time. With their not sending me the billing statement and keeping me in the dark, I had to pay a total of {$270.00} for a purchase of {$110.00}.
Company Response: Closed with explanation

Timely Response

2019-09-07

Sacramento, CA

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response