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 76
2017-07-19
NV
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Unable to receive car title or other problem after the loan is paid off
Complaint: I am the husband to XXXX XXXX ( deceased XX/XX/XXXX ). I have faxed HSBC on ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and sent registered mail on XX/XX/XXXX ( received by XXXX XXXX ) requesting title for XXXX XXXX XXXX. I am a XXXX veteran and losing my wife of 40 years it tough and I really need your help. HSBC has refused to acknowledging receipt of any faxes, letters or calls, NOT ONE FORM OF COMMUNICATION AT ALL. HSBC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA. XXXX PLEASE HELP
Company Response: Closed with monetary relief
2017-07-19
Bridgewater, NH
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-18
South Florida, FL
False statements or representation
Debt collection: Credit card debt
Impersonated attorney, law enforcement, or government official
Complaint: A while back I had received a phone call at my work saying that there was papers to be served to me and a possible warrant. They Claim they are calling from HSBC Legal department handling the debt account. They to call and leave threatening messages.
I can send you a copy of the voicemail also the gentleman I just spoke to his name was XXXX phone numbers to XXXX XXXX XXXX. He said he is the office that has the document to serve me however will not give me any information and redirects me to the legal office at a XXXX number which unfortunately he hung up before I could get. But I could pull from a previous voicemail XXXX. Case number XXXX. When calling that number they placed me on hold for several several minutes telling me that they had sent the paperwork over to the XXXX XXXX County courts and that they had to personally search for the hard copies to find out what was going on with my case when she came back on the line she told me it was for an HSBC account we 're over {$1000.00} was due and that did not include attorney or court fees. When I asked her how come I receive phone calls way back a couple months ago and I 'm still at the same address and still at the same workplace and have yet to be served she wanted to confirm the address that they already confirmed previously. When I told her that the address was in fact correct and nobody has ever come she could not give me an answer as to why other than she was going to try to expedite it. Now here 's the thing the address they have is in XXXX County not XXXX XXXX County so why would be served in XXXX XXXX County I do not know. The woman I spoke to claim to be in litigation and when she answered the phone call she answered with before providing me and him any information that this phone call will be monitored and recorded now I do n't know if that 's normal for law firms or not.
When they called my work they asked my boss their policy for serving their employees at work. Which thank XXXX I work for awesome bosses who did n't fire me because of this.
If they are a creditor HSBC and they 're using Scare Tactics or harassment like that it is illegal and violating FDCPA. IF they are not HSBC then it is a company to which HSBC sold the information to and they should still be held liable for passing my information on to such a harassing company that uses illegal means to obtain money.
Company Response: Closed with explanation
2017-07-18
Lewisville, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My name is XXXX XXXX and I had a loan with HSBC Mortgage Services which was recently sold to XXXX XXXX , I was in a XXXX BK from XX/XX/XXXX to XX/XX/XXXX , which I completed my XXXX and was discharged by the courts.
I this year applied for a Refinance thru the HARP program in XX/XX/XXXX a nd was approved pending all documents submitted per request of XXXX and I have submitted every document that was needed except for the 24 month payment history I needed from HSBC mortgage, I have called, faxed and repetitively requested a complete 24mo pay history and in the 7 responses I have received there is always 6 mos not reflecting as part of my pay history but reflects 6 mos deferred to the back of the loan without any reasonable explanation as to why or how it is showing that. I have requested that a letter of explanation please be forwarded me in detail the reason it reflects 6mos deferred and why there is a gap not reflected on my payment history ... ... in my XXXX XXXX pay schedule I pad arrears in the amount of {$1400.00} paid in at 100 % thru my BK to HSBC so I 'm confused as why there would be a need to defer 6 payments to back of loan if I paid my arrears and I was never late during my XXXX XXXX period.
I need some help on figuring this out.... .PLEAS
Company Response: Closed with explanation
2017-07-18
Key Biscayne, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: I have been misinformed at least 4-5 times about the travel rewards program, the mileage need to get various awards, and the cost of the reward, in miles, when I use the two separate ways of redeeming miles : either as a statement credit or through the HSBC Travel Rewards department. Addressing the latter, I was told that the cost would be the same if I used either method, but that is not the case. I specifically called the travels reward and asked about this twice before purchasing my ticket. Each time I was given what I would learn was erroneous information. I now know, learning the hard way, that if I would have used the travel rewards department, it would cost only 24,000 miles for a ticket of up to {$400.00} ; however, if I got a statement credit, it would cost 30,000 miles for a reimbursement of {$400.00} for a ticket that costs AT LEAST {$400.00}. So if I tried to get a reimbursement at the ticket did not cost {$400.00}, I would only be eligible for the {$200.00} credit. Why HSBC could not explain this two me on either of the two calls I placed is beyond me. I had the reservation on hold and could have had them purchase it, but since they supposedly cost the same I decided that I would prefer just getting the statement credit.
I purchased the ticket that cost less than {$400.00}, so when I called to get the statement credit a couple of days after I purchased the ticket, I was told that I could only get a {$200.00} credit for 15k miles. I complained and told them I was misinformed and they said they would review the call, but I was also told that if I made other purchases related to the same ticket and they totaled over {$400.00}, I could then use the 30k miles to get a {$400.00} statement credit. While I was upset that I would lose 6k miles, I accepted this and planned to upgrade my seat on the flight to surpass the {$400.00} plateau. Before I made the upgrade, I called again to ask if I could aggregate the purchases to get the credit and I was told I could. In fact I had called a week earlier to ask the same thing and, again, I was told that as long as the purchases totaled over {$400.00}, I could get a {$400.00} credit for 30k miles. I made the purchase and called in yesterday to get my credit when I was told that I could not aggregate the purchases and that all I could get was a {$200.00} credit. I then complained again. I was furious that I had been misinformed again. I was promised that I would get a call back at XXXX XXXX after the supervisor, who refused to give me any sort of identification other than her first name. I was called at XXXX and after I inquired why they did not call me at XXXX XXXX as promised, the representative told me She was on another call, though I have trouble believing she was on a 55 minute call.
I am now waiting for a call back, supposedly by XXXX , but I have little faith that this will be resolved unless I file this complaint. This is not a new issue with HSBC. There is a reason why I called to confirm so many times. I have been misinformed several times over the years about several different topics and the only thing I get is apologies, but it seems they feel as they have no accountability.
Company Response: Closed with monetary relief
2017-07-17
Wrentham, MA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: I am in process of refinancing my mortgage with a new lender ( XXXX XXXX ). In the process of doing so my mortgage servicer ( hsbc ) had been changed to a new servicer ( XXXX XXXX ). When XXXX requested my payoff amount from XXXX the amount was over 277,000. My credit report and monthly statement has it listed as XXXX When I called XXXX and have they both could not tell me when I incurred the roughly 25,000 extra. XXXX says they no longer have info and XXXX has it. My problem is I need to know when this extra money was incurred, why and whom approved it ( do they have a signed agreement? ). Please help me get an answer as to why the extra monies are owed and under what proof do they have that I owe it. Thanks XXXX
Company Response: Closed with explanation
2017-07-17
Arco, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I received a call regarding a HSBU account which I have never had it has never been on my credit report nor could the company provide any account information the billing address provided I have n't lived At since XXXX my credit history is only 2 years old seems to be some type of collection agency prior to my XXXX XXXX account started XXXX I have not had a credit card since XXXX so I 'm totally confused, I tried to dispute with XXXX abd XXXX XXXX disputes have been pending since XXXX I tried emailing XXXX companies regarding the disputes with no reply I do n't know where else to go it says open XX/XX/XXXX no inquiry no payment history nothing showing it would be my account
Company Response: Closed with explanation
2017-07-14
Lewis Center, OH
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Closed with explanation
2017-07-14
Baychester, NY
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2017-07-14
Chicago, IL
Money was not available when promised
Money transfer, virtual currency, or money service: International money transfer
Company Response: Closed with explanation
2017-07-14
Brant Lake, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-14
Bronx, NY
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Banking errors
Company Response: Closed with non-monetary relief
2017-07-13
Bronx, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-13
Nappanee, IN
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: In XX/XX/XXXX of 2006 we took out a " home equity '' loan from a company call XXXX XXXX a division of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Yes, we were XXXX. I 'll get that out right off the bat. But, this was all so questionable/illegal, at least in my opinion. <P/>They valued our house at {$170000.00}. Our house was never worth that much, ever. They somehow made that number up. we only paid {$120000.00} for it. This has to be illegal. to over value a property so they could loan {$40000.00} on it 's supposed equity. we had only had the house for a few months so there was no way there was {$40000.00} in equity in it. <P/>then, the original loan papers said the interest rate was 13.5 %. what happened next has to be illegal too. XXXX XXXX, which is actually owned by HSBC mortgage, " sells '' the mortgage to HSBC. then the interest rate goes up to 18.574 %. <P/>We have paid {$53000.00} on this {$40000.00} loan. from the original contract, they expected to be paid {$110000.00} for the loan. Now, we did XXXX sign that paperwork, but the load never should have been made on a house that was purposely overvalued at {$170000.00}. there has to be some remedy for this predatory lending. It is killing us.
Company Response: Closed with explanation
2017-07-12
Manhattan, NY
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2017-07-12
TN
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I 'm first unsure about the dates because this has been an ongoing ordeal dealing with Beneficial. About 5 years ago I had a loss in income which cut my salary down to a point I could barely support my family. I have XXXX children and I was seeking modification of a home loan at which I was paying and to this day is still paying at an interest rate of 12.12 percent. When I refinanced with Beneficial about 9 years ago I was very naive about the process and the in and outs of the home mortgage industry. I felt at the time I was uneducated in the process and struggling to understand the benefits and process. I know now that that the person that was working with me was thoroughly taking advantage of me. I spent time trying to consolidate my bills and to try to make just one payment to one company. The person gave me no money for the equity in my house but paid all the credit cards I had at the time off ( which totaled about {$4000.00} ). I had pretty good credit and I do n't understand why my interest rate is so high. Throughout this ordeal I found that I was unable to make my mortgage payment once in two different years and I resumed the payments once I was able to. I asked for modification of the loan each time and asked for help on more than one occasion and the company refused to offer any assistance. I did find on my statement that this company has created some account ( Outstanding Deferred Interest Balance ) and doubled my monthly mortgage each time. There was no discussion with me when this account was created. Along with that my mortgage payment has increased each year based on what is owed on my home insurance which is built in. Each year I get a letter telling me my escrow does n't have enough to cover my insurance principal. The letter tells me if I pay a certain amount my mortgage payment will not change. Well I paid the extra money this year and my mortgage payment still went up. This company has n't been very fair with me over the last 9 years although I have paid in good faith even though I now know I was taken advantage of. I tried to refinance my home mortgage last year and found that I 'm in such a hole with the way they have set me up that I was told that in order to refinance that I would have to bring {$20000.00} to the table to be able to refinance. I desperately need help dealing with Beneficial.
Company Response: Closed with explanation
2017-07-12
El Cajon, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-12
Dallas, GA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with monetary relief
2017-07-11
Fresno, CA
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
2017-07-11
Mount Vernon, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-10
Brooklyn, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX XXXX XXXX XXXX granted a mortgage to Beneficial Homeowner Service Corporation ( " Beneficial '' ) in the amount of {$23000.00}. Said mortgage was consolidated with a new loan with Beneficial in the amount of {$35000.00} on XX/XX/XXXX to form a single lien of {$58000.00}. Said consolidated mortgage was further consolidated with a mortgage dated XX/XX/XXXX in the amount of {$44000.00} to form a single lien of {$100000.00}. On XX/XX/XXXX, Beneficial caused a satisfaction to be filed in ACRIS, in CRFN XXXX, unfortunately said satisfaction contained the incorrect amount to be satisfied and incorrect mortgage recording information. A request for a corrected satisfaction of mortgage was received by Beneficial on XX/XX/XXXX and signed by a XXXX XXXX ( see attached ). Follow-up calls to Beneficial were met with " we have not received the request '' to " it 's being worked on '', all on the same call. On Monday, XX/XX/XXXX, XXXX in the lien release department informed our office that this matter is being handled by their bankruptcy department. XXXX from the bankruptcy department advised our office that they have not received the request and can not find this particular loan and that there are other loan but they do not list the amount. XXXX XXXX is in the process of selling the property and due to Beneficial 's inability to process a satisfaction of mortgage/lien release, XXXX XXXX is in jeopardy of losing the property in a foreclosure action.
Company Response: Closed with explanation
2017-07-10
Santa Rosa, CA
Money was not available when promised
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Closed with explanation
2017-07-07
Hillsdale, NJ
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: I am filing this compliant regarding how HSBC handled my request to transfer the funds in my Roth IRA account. On XXXX XXXX, 2017 ( see enclosed copies ) I reached out to my relationship manager, XXXX XXXX, for assistance with rolling over my IRA accounts ( XXXX XXXX & XXXX XXXX ) to my accounts with XXXX. After no response to my initial e-mail, I e-mailed him again and he wrongly responded that XXXX needed to initiate the process. After several months of XXXX not being responsive, he admitted over the phone that he was not familiar with the process. Growing increasingly frustrated, I asked that he forward me to the appropriate person and he e-mailed me an incorrect phone number that was not available. In XX/XX/XXXX, I proceeded to call HSBC customer service who instructed me to download and submit various forms. I then called almost every day for several weeks ( sometimes waiting on hold for 30 minutes ) to confirm that the correct forms were filled out and received while also communicating with XXXX and requesting letters that HSBC required from them. After much back and forth, a representative named XXXX from HSBC customer service informed me that HSBC was not able to roll over my Roth IRA account to XXXX and that XXXX needed to initiate an ACAT transfer. On a conference call on XX/XX/XXXX a XXXX representative informed an HSBC representative that XXXX does not do ACAT transfers ; therefore, HSBC said the only option was to issue me a check for the funds, which I could then mail to XXXX. I asked for explicit instructions on how to fill out the necessary IRA Distribution Request and then faxed it as instructed. On XX/XX/XXXX, I received a check issued on XX/XX/XXXX for my Roth IRA funds and was shocked that 10 % was taken out for Federal Taxes. HSBC said they attempted to contact me on Friday XX/XX/XXXX. I did receive a message on my home answering machine, which I did not hear until late Friday when I arrived home and obviously assumed I would not be able to reach anyone over the weekend. When I called HSBC on XX/XX/XXXX, they said I did not fill out the IRA Distribution Request form correctly and failed to select the option to not withhold federal income tax. When I informed the representative I was speaking with that I filled out the form as I was instructed by HSBC and asked if I could void the check and resubmit the forms, the representative said it was too late and the funds were already sent to the IRS. I am appalled at how HSBC has treated me throughout this whole process, which I initiated five months ago. I have been misinformed and ignored repeatedly. I have been so upset with my interactions with everyone at HSBC, especially XXXX XXXX, that I have since closed all my accounts with HSBC. I believe that HSBC should return the {$1400.00} taken out of my funds since this was without my knowledge and HSBC never allowed me enough time to contact them and correct the error on the form that was made as a result of their instructions! HSBC should have allowed ample time for me to call them back before issuing the check or they should have attempted to contact me more than once. I have already sent a letter of compliant to HSBC, which they have not responded to.
Company Response: Closed with monetary relief
2017-07-07
Wichita, KS
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-07
Baychester, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation