HSBC NORTH AMERICA HOLDINGS INC

2017-09-19

Cambridge, OH

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-18

Seattle, WA

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Complaint: I opened an account with HSBC bank because of the {$350.00} offer they mailed to me, real simple, deposit {$10000.00} into a new account and get the bonus. Well that was four months ago, no bonus, and the reps for HSBC are saying two things, that even though it 's been FOUR MONTHS since I opened the account, that is n't 8 weeks, and that the account that I opened was n't eligible for the bonus either. So I want the account closed and do not feel I should have to pay the early closure fee since they did not live up to their end of the deal and this is clearly fraud that they invite people to open an account that they know is n't eligible for the bonus only to trap their money in HSBC. I want the account closed, no fee, and nothing more to do with HSBC bank.
Company Response: Closed with explanation

Timely Response

2017-09-18

VA

Incorrect information on your report

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

Account information incorrect
Complaint: In 2007 the HSBC account went into collections due to my XXXX and XXXX XXXX XXXX from my military service during the XXXX XXXX XXXX. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.
Company Response: Closed with explanation

Timely Response

2017-09-15

Euless, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. HSBC has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency. The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response. I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to HSBC, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from HSBC to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request. I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely. This debt was not opened in XX/XX/XXXX or XX/XX/XXXX. And XXXX XXXX who took over HSBC verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.
Company Response: Closed with explanation

Timely Response

2017-09-15

Wonder Lake, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: This debt was resolved years ago. I have confirmation on my credit reports and from the original collector this has all been taken care of. I 've been since contacted by two companies about this debt that no longer exists, the latest being " XXXX XXXX XXXX '' The voicemail I was left ( attached ) threatens to contact my employer, garnishing wages and freezing assets. They 're also threatening to sue. The representative I talked to when calling in refused to provide me their name and a suitable address. The number they called me from was XXXX and the email address the provided was XXXXXXXXXXXX I 've attached the original agreement that I paid and got confirmation along with snapshots of my credit reports. See below for the original confirmation email and transaction ID : XXXX XXXX, Per your request, your confirmation number for your payment made today ( XXXX XXXX, 2014 ) in the amount of {$800.00}. Transaction ID : XXXX XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-09-14

Mesa, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-14

Amherst, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-13

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

2017-09-13

Cambridge, OH

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-13

Anza, CA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-13

CT

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: Mortgage company HSBC/XXXX XXXX reported a late payment XXXX XXXX. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it. After filing an investigation via Equifax, XXXX XXXX denied it, claiming it was late. I have evidence to the contrary. Also, Equifax has XXXX credibility anymore and should be dissolved
Company Response: Closed with explanation

Timely Response

2017-09-10

Silver Spring, MD

Problem when making payments

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

Problem during payment process
Complaint: I have a XXXX credit card account with HSBC Bank USA, N.A. ( Bank ). During XXXX and XXXX XXXX, the Bank launched a new account servicing website for its personal ( consumer ) banking services. The website permits consumers to access and take action regarding numerous products, including deposit accounts and credit card accounts. As of XXXX XXXX, XXXX, at least, if not for the entire time since it 's launch, the new website effectively buries the option to make or schedule a payment toward a credit card account. It can only be accessed by clicking a small, inconspicuous " View Details '' hyperlink on the account servicing page to launch a legacy website that contains the payment option. See attached screen-capture. This is not obvious in any way. Additionally, the View Details hyperlink will only launch the legacy website IF the consumer 's web browser 's pop-up blocking option is disabled. I did not sustain any injury as a result of this extremely notable design choice or defect, but only because I was willing to wait over 40 minutes to access advice ( via telephone and " Live Chat '' ) from a customer service representative who explained how I could access the payment option on the legacy website. Other consumers, however, might have sustained injuries by not being able to make or schedule a timely payment toward their credit card accounts. It is inconceivable that the Bank could have launched the new website without including a clear option by which to make or schedule a payment online.
Company Response: Closed with explanation

Timely Response

2017-09-10

Burlingame, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. This is the information on the letter : Client : XXXX XXXX XXXX File : XXXX Original Creditor : HSBC Account : XXXX Please see collection agency information below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Riverside, CA XXXX Phone : XXXX Fax : XXXX
Company Response: Closed with explanation

Timely Response

2017-09-09

East Rockaway, NY

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened an account but did not get {$350.00} bonus as advertised : XX/XX/XXXX I submitted the application online to open my choice checking account XX/XX/XXXX I completed the bill pay requirements for 3 months within 120 days acct opened XX/XX/XXXX about 8 weeks after requirement completion, I did not get {$350.00} in acct XX/XX/XXXX contacted CSR for 35 min and XX/XX/XXXX with another CSR for 85 min with extensive holds & wait by the CSR, still without proper resolution to this date. The ineligibility of personal account held was confusing and the company did not clarify in its term the definition of personal account or show example. In the marketplace when people open personal account it normally means banking product, but the verbal explanation of CSRs say it included mortgage acct that the bank previously sold to another service provider without client 's choice is misleading and confusing to the consumer.
Company Response: Closed with explanation

Timely Response

2017-09-09

Nyc, NY

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I received a mailer from HSBC offering me {$300.00} if I open an Advance account. On XX/XX/XXXX, I opened an account and by XX/XX/XXXX, I have satisfied all the terms of the promotion. The mailer said that I should receive the bonus " approximately 8 weeks after completing all qualifying activities, '' which is the end of XXXX. On XX/XX/XXXX, I contacted HSBC by phone and the agent opened case XXXX. I checked the status of the case on XX/XX/XXXX and was informed that the " specialist '' has denied the bonus. Different agents gave me different explanations. The live chat support agent told me that " the payment was denied for not having the balance of {$5000.00} plus with direct deposits before XX/XX/XXXX. '' I deposited {$5000.00} to the account on XX/XX/XXXX. I received at least 5 direct deposits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, in the amount of {$500.00} each from my employer. The relevant part of the promotion terms ( part 3 ) unambiguously states : " For purposes of bonus, you must have at least one direct deposit in calendar months of XXXX and XXXX ''. The supervisor of the live chat representatives asserted that i failed to maintain {$5000.00} in combined consumer checking and savings balances from XX/XX/XXXX to XX/XX/XXXX. However, my CD account had {$5000.00} in it from XX/XX/XXXX to XX/XX/XXXX. Finally, the phone agent told me that my direct deposits did not exceed {$3000.00}. However, the terms did not specify the minimum amount on the direct deposit. A bank obviously can set up this requirement but not after the customer accepted the original terms of the offer. I am under the impression that the bank is trying to deceit me as a customer and is trying to find a reason to decline the bonus.
Company Response: Closed with explanation

Timely Response

2017-09-08

New York, NY

Closing an account

Checking or savings account: Checking account

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

Timely Response

2017-09-08

Eastamptn Twp, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-07

Casitas Springs, CA

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2017-09-07

Bowie, MD

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-07

Boscawen, NH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-09-07

N Springfield, VA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-05

Canal Street, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-05

Hinsdale, IL

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: I have had a loan from HSBC. The monthly payment has been through Direct Debit for the past 13 years. HSBC made me a change of terms offer which was ambitious at best. Without replying to my questions, it stopped the Direct Debit and then reported me as late, ruining my credit. My credit score fell by 250 points as a result. I can no longer borrow. HSBC is saying it has taken steps to fix it but I can not trust HSBC ; I think that the problem is systematic
Company Response: Closed with explanation

Timely Response

2017-09-05

Managing an account

Checking or savings account: Checking account

Cashing a check
Complaint: Due to a fraudulent scam activity, a check of amount USD XXXX from my account was cashed out by someone. As soon as I became aware if this fraud/ scam, I called the bank to report. I filled out and submitted fraudulent activity form and also filed a report with the police. The bank used delaying tactics and asked me to contact one after another person / customer service. In order for police to take action and trace down the suspect based on my report, police investigator asked that I contact my bank and get the address and other details where the check was cashed out. I requested my bank numerous times but they again used various delaying tactics and excused that the back image of check was not readable. After repeated attempts and insisting that bank should use money tranfer process to trace where the check was cashed out, finally the bank released partial info but by then it was too late ( over about two years ) that police have closed my report. When I asked my bank to reimburse me, I was informed that bank can not reimburse me because it was too late. Hence, I lost my {$550.00} from the bank due to its delaying tactics, refused to give me the details asked by police department and the bank not being able to secure my money.
Company Response: Closed with explanation

Timely Response

2017-09-05

Bethesda, MD

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response