HSBC NORTH AMERICA HOLDINGS INC

2017-07-06

Tulsa, OK

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-06

Piscataway, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-06

Baychester, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Late or other fees
Company Response: Closed with monetary relief

Timely Response

2017-07-05

Garden City P, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-07-03

Wallington, NJ

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: This bank is being run by ignorant XXXX. Not only they are XXXX XXXX XXXX, they lie to the customers on top of that. I called this lousy bank in XX/XX/XXXX to inquire about the XXXX form as I had received an account opening bonus from this bank last year and as per their own terms and conditions, it was supposed to be considered interest and I was supposed to be issued an XXXX form for that. I mentioned all of that to these XXXX but they lied to me and said there was no XXXX form issued for me. <P/>And guess what, after the tax filing deadline, these XXXX mailed me a XXXX form along with a letter which basically said that the are sorry that they do n't know how to run a bank. The letter said that they will reimburse me for the costs for refilling the taxes. and I need to call XXXX XXXX XXXX for assistance. <P/>And here is the fun fact. I have called that number numerous times to get so called " assistance '' and here are the various outcomes.. <P/>Whenever I call that number, these XXXX XXXX XXXX still insist that I was not issued a XXXX form for XX/XX/XXXX even though I have a physical copy of that and their so called " apology '' letter in my hand. It takes me at least an hour to convince these XXXX that they infact issued a XXXX after the tax filing deadline. So even though they apologized to me for sending me the XXXX late, they still insist that it does not exist Whenever I ask for a supervisor, the standard answer is that no one is available. Some supervisor will call you back soon and that never happens. <P/>Only once I was able to get a supervisor and he too insisted that there was no XXXX and after I spend more than an hour explaining to him that there was, he promised he will call me back on how I can get reimbursed. And guess what, that was about 2 months back, I am still waiting for that callback. <P/>How can you let these bunch of XXXX run a bank in US? Is n't it a crime for a bank to lie to customers about tax related issues. And even though their so called " Head of Customer Experience '' send me a so called apology letter, they still keep insisting that their is no XXXX forget about reimbursing me for having to re do my federal tax returns and returns for 2 states. <P/>Please shut down this piece of XXXX bank. And keep this complaint on their public profile.
Company Response: Closed with monetary relief

Timely Response

2017-07-02

Doral, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-30

Discovery Bay, CA

Vehicle was repossessed or sold the vehicle

Payday loan, title loan, or personal loan: Title loan

Company Response: Closed with explanation

Timely Response

2017-06-30

FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: Got automated messages on my place of employment and cellphone from XXXX about 2 collections that are against me, was given a reference number and to call XXXX. I called back and spoke to XXXX XXXX from XXXX XXXX that there is one account from 2006 that owes {$560.00} from HSBC, I do not recall that account. But they told my current address, which I have gotten no written notification about this account. Told her to provide written proof, was told her job was to communicate the information to me.
Company Response: Closed with explanation

Timely Response

2017-06-29

NY

Incorrect information on your report

Mortgage: Other type of mortgage

Complaint: This agreement belonged to my mother, who passed away XXXX. Per her wishes we have to sell her residence. While in the process of selling the home a subordination agreement came up on the abstract dating back to XXXX. Our attorney reached out and was told they could n't tell if any money was owed and will not remove the agreement. I called HSBC/Beneficial Finance XXXX XXXX, on XXXX/XXXX/XXXX ( waited 20 minutes before someone pick the phone up ) and spoke with XXXX, ID # XXXX about the situation. As usual while I was explaining, he was researching and came up with a paid loan BUT this did not pertain the agreement from XXXX, which I explained in the beginning. At this point, I was not happy, and pointed out that he really did n't listen to what I was saying. Because I was unhappy, he became uncooperative. I explained that we had a buyer for the home and we are on a time constraint to get this resolved. His attitude was not very good, I totally get that but in my world you should support the customer whether you " like '' them or not. He told me I had to provide them with a title search to move forward. I told him that it was their burden to prove that the debt existed or release the agreement and that we should not have to pay for the title search. At this point he said " you are not the executor on this account and I will no longer talk with you about it ''. I told him my sister would authorize this and he said " she needs to put that in writing and then we will forward to our attorney 's for review, that will take some time ''. He was willing to talk to me before! He became very belligerent and if we did n't provide the title search then there is nothing they can to do to help us. I asked to speak with his supervisor, he put me on hold for a moment, came back and said, there is nothing she can do either. I asked if he was refusing to transfer me to his supervisor and he said " yes there is nothing she can do for you without the documents ''. At this point I asked for his supervisors name, he refused to give me his supervisors name because " I was not a customer of that bank '' I said, you do n't know that I am not a customer and I do n't need to be a customer to speak with your supervisor. He said he would not give me his supervisors name. At this point we will probably lose the sale of my mothers house because of the subordination agreement and it seems like HSBC is holding us hostage. This matter needs to be resolved and without the cooperation of the bank what can we do next? I have attached the legal documents as well as permission to handle this on behalf of my sister the administrator to the estate.
Company Response: Closed with explanation

Timely Response

2017-06-28

Chesapeake, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-06-28

Dunnellon, FL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2017-06-27

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: I live out of the country but maintain a US account as I intend to return eventually. Recently I received a notification that my account was in danger of becoming inactive, so I followed the instructions and made a transaction ( note there was no guidance on minimum size or number of transactions required ) Following this, I received another notification, so I called the bank to confirm that my transaction was valid, which they did verbally including stating explicitly that I need not do anything else. I inquired about he second notification and they simply said that their systems have not been updated but they will do so immediately. I asked for confirmation, ideally a letter, which they refused to provide. I then requested they make the notation in their XXXX tool, which they agreed to do. Most recently I reviewed my account and realised that they had closed the account and sent the funds to the state, exactly what they said they would not do. Upon calling them, they said that the information provided last time was wrong. They have referred me to the XXXX website however I can not locate my details in the database so I have no idea where my money is now.
Company Response: Closed with explanation

Timely Response

2017-06-26

Lacey, WA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-26

Orion Twp, MI

Credit monitoring or identity theft protection services

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

Didn't receive services that were advertised
Company Response: Closed with non-monetary relief

Timely Response

2017-06-26

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I signed up for an HSBC premier checking account in XXXX of 2015. <P/>HSBC was offering a promotion at the time where they would give a {$200.00} credit when opening a premier HSBC checking account. I signed up using the promotion code, but HSBC has refused to deposit the {$200.00} that I am owed. <P/>I have had 20+ email exchanges with HSBC and the issue is still outstanding. <P/>There is a similar promotion going on now and the terms are listed here : XXXX XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2017-06-26

Rockledge, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-23

Rochdale, NY

Written notification about debt

Debt collection: Mortgage debt

Didn't receive notice of right to dispute
Complaint: I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale X/XX/2017 with no notice to me. <P/>I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. <P/>I was forced to file Bankruptcy to stop the sale.
Company Response: Closed with explanation

Timely Response

2017-06-23

Gloucester City, NJ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: I 've had issues with XXXX XXXX XXXX. They purchase old debts threaten to sue you and collect on old debts. My wife and I had given this company money on old debts that I feel they did n't have a right to collect. Anyway now they have their last frutal attempt to collect a debt that is beyond the statue of limitations in my state. They are not the original creditor and it seems they are re-aging the debt so it stays on my credit report longer than necessary. I would like this removed from my credit report and the company punished for being unscrupulous.
Company Response: Closed with explanation

Timely Response

2017-06-22

Bethesda, MD

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to arrest you or take you to jail if you do not pay
Company Response: Closed with explanation

Timely Response

2017-06-21

Hollis, NY

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
Company Response: Closed with explanation

Timely Response

2017-06-21

Hemet, CA

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: I am trying to refinance my mortgage interest rate 7 to 8 % they are hiking my payment by almost {$1000.00} a month. they deferred payments over the life of my loan ( 12 over 12years ) I was never told that the interest would be put to the side as a separate part of the loan and now I can not refinance my home appraisal is {$200.00} K and with the interest which they do not wish to waive I owe $ XXXX they have not modified the loan I have tried to get it modified in the past and they do not work with me to make things reasonable I am desparate I do not know how I can pay almst {$2800.00} a month when I take home about {$4000.00} total the company is HSBC mortgage services ins acct XXXX thank you XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-06-21

Burlingame, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-06-21

Winston Salem, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Calls being made repeatedly to my daughter and to an old ( and seriously ill ) family friend threatening to serve me with a complaint for a debt. The company calling us XXXX XXXX. I do not owe XXXX XXXX any money. They claim it is for money ( {$3200.00} ) owed to HSBC. I do not have any collection on any of my 3 credit reporting accounts ( XXXX XXXX or XXXX ) for a debt or past debt owed to HSBC. XXXX XXXX 's phone number is XXXX and the woman who threatened me with being " served with a complaint '' is XXXX XXXX. I tell them I am going to file a complaint against them and they stop calling for a while, then start calling again. I checked with the Sheriff 's Dept., and with the process servers in NC, and none of them have any complaint to serve on me. I want these threatening calls stopped! The last calls started XXXX/XXXX/17. I checked my 3 credit reports today, and they all show " no collections ''.
Company Response: Closed with explanation

Timely Response

2017-06-20

Brooklyn, NY

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: I deposited a check on XXXX/XXXX/XXXX for XXXX check was cleared and available in account XXXX/XXXX/XXXX. HSBC closed my account XXXX/XXXX/XXXX and left my money awaiting claim for XXXX on said date. I has a balance of XXXX dollars before check deposited. When I reached out to the bank my account was set up at the bank was closed and all information was carried over to designated branch. I called customer service and they advised me that the money was in unclaimed funds. When I reached out to unclaimed funds they stated since the account had activity in it the same year it was closed the processed of abandon properties did not go into affect. Advised HSBC of the information they do n't seem to know where the money in my account is at or how to find out where they put the funds in my account before and after the deposit. I asked for the paper trail of where my money is at for banks suppose to keep records for 7years and no one can provide me any information on where is the funds.
Company Response: Closed with monetary relief

Timely Response

2017-06-20

Centreville, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " XXXX, XXXX XXXX XXXX '' for an outstanding balance unpaid to " HSBC HOUSEHOLD BANK ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from XXXX, XXXX XXXX XXXX. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by HSBC and then mentioned it was somehow related to a MasterCard through XXXX XXXX. He also refused to give me any contact information for HSBC. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted HSBC immediately and they had no record of my social, account or name. The HSBC rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the HSBC account number was not referenced in the collection. HSBC recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for XXXX, XXXX XXXX XXXX and it appears I am not the first they have attempted to scam. I am attaching the scam letter from XXXX, XXXX XXXX XXXX to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.
Company Response: Closed with explanation

Timely Response