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 80
2017-05-25
MA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: I received an offer in the mail from HSBC XXXX XXXX for balance transfers at 0 % interest for 12 months with {$0.00} transfer fee. I used XXXX of the checks to pay another credit card in XXXX . On XXXX XXXX , transfer was processed by HSBC, transaction reversed on XXXX XXXX . I received no notification ( mail or e-mail ). When I called to inquire where the balance transfer was in the process, they directed me to security to answer some questions, this was supposed to release the balance transfer but did not. For four months and many calls they were unable to process the balance transfer without a fee, finally a manager processed the transfer and refunded the fee in XXXX XXXX . But now HSBC failed to honor the 12 months at 0 % and would only provide the offered rate until XXXX XXXX . After repeated calls in XXXX , XXXX and XXXX they were unable to extend to honor the 12 month offer. The end result is I was offered 12 months at 0 % with {$0.00} transfer fee, after a tremendous amount of effort on my part, they provided 8 months. Institutional incompetence is no excuse for false advertising and fraudulent behavior.
Company Response: Closed with monetary relief
2017-05-24
East Layton, UT
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2017-05-24
Fort Pierce, FL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-23
Quechee, VT
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-05-22
Beechhurst, NY
Opening an account
Checking or savings account: Other banking product or service
Didn't receive terms that were advertised
Company Response: Closed with explanation
2017-05-22
TX
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: I received a threatening voice mail from an XXXX XXXX stating that she was from HSBC at XXXX . She threatened me with the following statements : That they will find my employment, freeze my assets, and that my " personal finances will be interrupted '' in 72 hours if I did not contact them. When I called her back, she became extremely argumentative and when I asked for her supervisor, she refused to transfer my call. She hung up on me. I called her back and when I asked the lady who answered for a supervisor, she indicated that she was one. When I told her I wanted to know why they had threatened me, she became evasive. I asked her for her supervisor and she hung up on me. All in all, I tried 4 calls to find out why they were calling me, or if the call might have been for my mother. These people were rude, threatening, and should be stopped from making threats. I have attached the voicemail recording for your information and review.
Company Response: Closed with explanation
2017-05-22
Manhattan, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with monetary relief
2017-05-22
Center Moreland, PA
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-05-21
Mt Pisgah, IN
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: To Whom It May Co ncern : I XXXX XXXX am filing this disputed complaint against multiple affiliated entities such as XXXX XXXX XXXX , and C/O : XXXX XXXX XXXX , and HSBC Bank/ XX/XX/XXXX , i n regards to their fallacious reporting 's to XXXX , entity. In Between XX/XX/XXXX , and XX/XX/XXXX , I contacted the original lender o f HSBC Bank/ XXXX , t o advised them of my immediate financial hardships and extenuating circumstances that would prohibit me, from making continuous payments going forward. As such, they advised me to enter into one of their affiliated credit counseling programs of which I complied and comme nced. As such, about a month thereafter, I received a call from a gentleman stating that he was just calling to see if they were any changes in my financial status, and of which I said no. As such, he continued on by saying your almost a year behind on your mortgage and still under water with many other financial payments and companies. And right thereafter, to my surprise he proceeded by saying that as of today he no longer would be pursuing this matter, and therefore, this debt will be made nullified as under cease and desist order and will be shared with all of their affiliates, to comply with going forward as well. However, to that narrative in XX/XX/XXXX , while I was residing in the east coast w hich is a bout XXXX states away a friend of mine had informed me about coming in contact with a subpoena order of which she founded on her door. So, I requested that she scan and e-mail such documents. Upon reviewing such documents it turned out that it was XXXX XXXX XXXX , who had filed a lawsuit by utilizing a law firm based out of XXXX XXXX Michigan suing for court costs, attorney fees, and other additional bogus charges other than the original left over debt balance of {$6 30.00}, range, and with theirs showing {$820.00}, from HSBC Bank XXXX , and with the lawsuit debt showing {$920.00}, stemming from XXXX XXXX XXXX , and affiliates, that they were currently utilizing to place judgement against me, in a cunning, and gravalicious attempt. So, right after revising such documents I decided to contact the courts and shared to them the same sentiments of what was said, to me verbally and also advised them that I was also, no longer residing in the current state and county of whe re such lawsuits were filed and in further, advised the court clerk that It would also be difficult for me to make it there, as I was l ike XXXX states a way. I also said, to the clerk, that if there was a way for me, to do the hearing over the phone on the date specified for such specific times as that would work out for me just fine. She replied by saying no, and that the information that I had provided her with was good enough to record down and proceed with. And in further, she also provided me with an email address and link to give such, shared verbal statements in writing of which I executed and completed, with also a follow up call to make sure, that such, request was received and of which was also verified out accurately. And that was that. In further, I also contacted the law firm and spoke to a gentleman and shared the same sentiments of what was said to me verbally over the phone stemming back from XX/XX/XXXX . That same gentleman at the law firm took my statement and replied by saying okay. Again, that was that, and to this day I have n't heard from any of the sources that I had called into about the shared sentiments and statements in general. But as such, I have been noticing constant reports being made against my credit under XXXX , enforced b y all XXXX entiti es of XXXX XXXX XXXX , an d C/O : XXXX XXXX XXXX , and HSBC Bank/ XXXX and on many numerous occasions that I have made constant contacts with XXXX , and shared the same sentiments, and to no avail, to this day no such, actions of deletions has been made by any of the affiliated entities that 's reporting all such negative and derogatory reportings. And as such, in my closing out analysis and conclusion surrounding this entire matter. I for one have d etected that these XXXX e ntities is full of ethical fallacies that supports their unethical behavior for how they all conduct their businesses with no good reputation or credibility behind them, and in further, they all utilize such disturbing approaches to entrap and take advantage of past and present customers that perhaps, would have never catch on to such undermining events, and for which many would deem as an act of non-de minimis attempts, which also supports acts of extortions on so many unjust levels. And as such, again, I therefore, request that all the se XXXX en tities cease, and desist all such reportings against my credit with XXXX , as one of your associates had already declared the aforementioned over six years ago which supports all my shared statements and sentiments with all the appropriate parties and entities here by in general. And as such, as it relates to the subject matter, I am requesting that very stiff penalties of swift acts of justices by the body of government that oversees, and regulates al l XXXX entities as their ways of conducting businesses at all levels demonstrates nothing but an act of deeply disturbing business conduct in general in the marketplace. And lastly, please see info on XXXX XXXX XXXX , law website regarding XXXX XXXX XXXX , and XXXX XXXX XXXX .
Company Response: Closed with explanation
2017-05-19
Austin, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have a series of erroneous, credit-damaging late fee payments reported by HSBC on an overdraft account dating back to XXXX -- that I did not know existed. HSBC has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account. ( See HSBC communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated by HSBC a s a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.
Company Response: Closed with non-monetary relief
2017-05-19
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2017-05-19
Camp Springs, MD
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-18
Belden, MS
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2017-05-18
Belden, MS
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2017-05-17
Santa Rosa, CA
Money was not available when promised
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: This is the second claim I have submitted on the bank, HSBC. I sent XXXX wi res to customers of the bank, totaling XXXX from my XXXX XXXX XXXX account. We suspected fraud so they XXXX wires were recalled but the funds have not been returned. The first complaint that I submitted were met by a response from HSBC that called for a letter for indemnity from XXXX XXXX XXXX . The lady in charge of the Fraud Dept at XXXX XXXX XXXX informed me that they are not able to provide such a document. If they wish, I will sign such a letter for them, if it will help get my funds returned. My prior complaint # is XXXX . Please recontact them for me and urge them to cooperate. I urgently need my money. I took out home equity loans to take part in this scam.
Company Response: Closed with explanation
2017-05-17
WI
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: HSBC MORTAGAG XXXX : is my lein holder or owner of my loan, I XXXX XXXX have been dealing with serious medical conditions, which has cause loss of income, I had to file chapter XXXX in XXXX XXXX , did not reaffirm my home, I have been working with HSBC on a loan modification. Talk to them in XXXX XXXX told them what was going on and why filed loss mitigation medical hardship, Have been going back and forth, and now there are offering a 24 month mod. with a {$200.00} saving on a {$1400.00} on XXXX XXXX saving on the second {$540.00}. I have requested permanent modification, my medical condition will never get better only worse. Hoping to recover enough to get back to work, I am on short term XXXX getting {$320.00} a week since XXXX / XXXX / XXXX . having XXXX XXXX on the XXXX of XXXX . I ask for the lowest payment. for if I had to go on total social security XXXX . I could keep my family home. they are just being unforthcoming to help me in my situation.
Company Response: Closed with explanation
2017-05-16
Centerville, FL
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Company Response: Closed with explanation
2017-05-16
Jupiter, FL
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: I applied for a mortgage loan with HSBC and also I am approved for grant money form XXXX XXXX County. My closing date was XXXX / XXXX / XXXX , and We did n't close because HSBC Bank could n't finish and send the correct information to XXXX XXXX County. My realtor negotiated and extension, so the new closing date is XXXX / XXXX / XXXX . For that to happened XXXX XXXX County had to receive the documents last Friday XXXX they did n't receive it. Today XXXX XXXX County received the documents but they did n't have all the information required, and also HSBC Bank asked for documents that I already sent to them, but I resend them anyway and ask them to hurry up. XXXX XXXX County need from HSBC a receipt from the appraisal, a correct form XXXX , a correct form XXXX , the home insurance amount to be corrected. Also the seller needs a commitment letter form HSBC bank for a new extension for the closing to be file. Please help if I do n't close I will lose my grant money!!!
Company Response: Closed with explanation
2017-05-16
Carver, MA
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: HSBC Bank Nevada, N.A. Charter Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX Account Name HSBC BANK NEVADA N.A. RC Account # XXXX This company needs to remove any items related to my PERSON from ALL credit agencies. If not I will record a perfected security interest in this entity for 3x the bo gus balance amount plus damages plus fees.
Company Response: Closed with explanation
2017-05-16
Problem with a lender or other company charging your account
Checking or savings account: Other banking product or service
Money was taken from your account on the wrong day or for the wrong amount
Complaint: I am a XXXX.ilive in XXXX i have a checking account and a saveing account in HSBC bank. I remited {$300000.00} to an XXXX account for investment in XX/XX/XXXX. But some mistakes occurred. 1 this is the fist time to use HSBC wire transfer, I already selected usd as currency as transfer currency. But the money remited to XXXX is XXXX. I thik it is caused by the internet seting. I finish fist step click the next step.the page automatically turn back and the currency changed to XXXX. And mean while there some other thing not crrect or not finished framed by red line. But the currency selection changed automatically and had no red line frame. 2 after almost 2 weeks my HSBC bank manager call me to confirm the transfer, I already told her the currency is USD, but HSBC did not mention me is XXXX. 3. The money reach The account transfer to. At XX/XX/XXXX. HSBC told me .HSBC told me the money stay the third bank ( in XXXX ) more than 10days. the transfer let me lost more then {$4300.00} in currency exchange, and cause me ca n't finish my contacts in time.I also have to compensate the investment. I am a XXXX ( XXXX XXXX ) My phone NO is XXXX. My email is XXXXXXXXXXXX. Best regards
Company Response: Closed with explanation
2017-05-15
Derby, NY
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-15
Chester, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Trying to do a short sale on property located at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX is in XXXX condition. Valued at XXXX . Bank is asking XXXX based on a appraisal done prior to my short sale submission. When I asked the bank for a copy of their appraisal I was refused. I was told that that was the value and I would have to take their word. They also told me at a later date that even if their appraisal comes in at a value they do not like they have people that have never looked at the property makings fair market value desicion from behind a desk without even looking ant the property. I faxed the banks attorney at at XXXX XXXX XXXX requesting the appraisal and was denied. I believe that they real have no interest in Helping us avoid foreclosure and that they are tolling our account at a high interest rate 8 % .so they can as the servicer use my home as a cash register for their benefit.
Company Response: Closed with explanation
2017-05-15
Greensboro, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-05-12
Carver, MA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Account Name HSBC BANK NEVADA N.A. RC Account # XXXX I do not and never had any legal or lawful security obligation with this business. I will record a perfected security interest in this business for 3x the stated balance plus damages if they do not immediately remove any information related to my PERSON on the PERSON 's credit report with the credit bureaus. I logged in and saw this information. I did receive a bogus demand to pay a debt from this entity in th e US Mail. I did respond via Certified mail with my Notice and Demand To Validate Debt Claim in accordance wit h 15 USC 1692. They d id not respond. They need to remove this items immediately or I will record a lien and file civil charges.
Company Response: Closed with explanation
2017-05-12
Nyc, NY
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I went to a n HSBC branch to cash a check from someone on their HSBC account. The teller asked me if I have an HSBC account. When I said no, he told me in order to cash their own check, they would have t o charge me {$5.00}. I told him that is ridiculous. He said there is nothing he can do. I can deposit it in my own account in another bank to avoid the charge, but this really punishes poor people who can not afford bank accounts. It is an outrageous abuse.
Company Response: Closed with explanation