HSBC NORTH AMERICA HOLDINGS INC

2017-03-23

Philadelphia, PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a new HSBC account on XX/XX/XXXX in response to their offering a {$350.00} signup bonus ( proof attached ). I fulfilled all terms of the signup bonus, but did not receive the bonus. After escalating with customer service, they told me I did not qualify because I had an open account during the time ( attached ). However, the terms clearly state only customers with an open account between XX/XX/XXXX and XX/XX/XXXX are not eligible ( proof attached ). My previous HSBC checking account was closed on XX/XX/XXXX. This means I am eligible. HSBC has failed to abide by their own terms and did not award me my bonus that I am fully qualified for.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-22

Beaverton, OR

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Arlington, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Bank offered {$350.00} bonus offer for opening account and completing direct deposit for three consecutive months totaling over {$3000.00} or three consecutive months of XXXX or more bill pays for the account. Meeting both conditions on or about XX/XX/2107, it was said {$350.00} bonus offer would be deposited within 3 weeks. However, bank has failed to provide funds tied to the bonus promotion to my account. Inquires about the bonus are replied to with fanciful information.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-21

Neotsu, OR

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I worked as a XXXX until XX/XX/2006 I was forced to take an early retirement because I got XXXX which XXXX. I was sent to University XXXX. So, I am able to XXXX, I have been plagued with complications since XX/XX/2006. XXXX. This is just on going with this XXXX. I am not a XXXX either. XXXX is undifferentiated XXXX is awful. I was a single mother of XXXX kids in my early XXXX when this hit me. I am still on XXXX I do not even drive and have n't since XX/XX/2006. I was n't able to pay off this credit card HSBC Bank, Nevada, NA I sent them a letter with XXXX and explained that I could not repay the debt. I lost everything financially, but because I work so my XXXX kicked in to cover my insurance and living expenses. But, because I always worked I am not eligible for state or federal aid just HUD. Its been 10 yrs but this guys called me and has started sending me collection letters and phone calls. I do n't have anymore money then I had then I have to pay for my own meds, co-pays, XXXX pays most, but I have a gap policy to pay, its a spend down on my XXXX XXXX it is all I live on. My kids moved me here from XXXX area to XXXX so I can be close to my grandkids. I do n't believe that if they got a Judgement I was in a XXXX and never got served. You had to be in a XXXX for months with every XXXX this has been on going for 10 yrs. I have a XXXX now and donated my XXXX for military. My XXXX is ok. I have had XXXX in hospital for 10 days on XXXX for weeks 24/7 going into my XXXX me 6 weeks each time. I just live with these troubles. I am not on XXXX because I have XXXX or XXXX, I am XXXX. I ca n't imagine how these people sleep at night. But, there should be laws to stop them after 7 years or 10 yrs. Please help me I am prepared to show evidence of my condition. I always paid my bills before this so I understand, but they should have just written it off. Please help me I sold my car years ago to pay off the debts I could I do n't even own a car or drive. Please help me stop this, really there should be better laws they know I am on XXXX XXXX is n't there laws to help me?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Columbus, OH

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I have an unverified account from HSBC BANK NEVADA. I had previously disputed this account. I have never done business with HSBC BANK NEVADA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HSBC BANK NEVADA provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HSBC BANK NEVADA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Lansdowne, VA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-19

Tampa, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Dear Consumer Finance Protection Bureau, I filed Case number : XXXX on XXXX XXXX, 2017. HSBC replied that it needed additional time to investigate this complaint before submitting a final response. I received a letter from HSBC dated XXXX XXXX, 2017 that it plans to transfer this loan to XXXX effective XXXX XXXX, 2017 and that the loan terms would not change. In essence, HSBC is attempting to absolve themselves of this fraudulent transaction by transferring the loan. CFPB must hold HSBC fully accountable and not allow them to " pass the buck '' and demand that HSBC grant the injunctive relief requested in my complaint. A copy of the correspondence received from XXXX XXXX, Senior President, XXXX XXXX XXXX is attached for your review.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-18

Vicksburg, MI

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I received no service for notice to appear or a final judgement. A Request and Writ for Garnishment was entered into the court on XX/XX/XXXX, and a tax refund garnishment took place in XX/XX/XXXX. I had no idea there was a collection action against me from this agency.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Las Vegas, NV

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Queens, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I was at HSBC branch on XXXX & XXXX in XXXX today around XXXX. Before I got on this long line at downstairs foreign exchange office, I showed one of the tellers that I have old Pound Sterling currencies which I would like to exchange back to USD. The teller nodded " ok, just go to the end of the line ''. I got at this very long line, waited nearly 30 minutes, however, when I got to front of the line, teller XXXX told me " these money are old, we can not accept '' ; she further told me that these money are good to use only in XXXX, but foreign exchange office in HSBC bank no longer accepts them. Well, I felt so mistreated!!! Why ca n't her colleague, ( the teller I showed these old money to ) notify me before I got on this very long line to wait??? I spoke to HSBC assistant manager XXXX, who seemed have no clue with foreign exchange policy, she kept me wait for another 10 minutes, claimed " she needs to check with the tellers '', she had no idea what types of currency notes HSBC can or can not accept, I showed her again these old XXXX pound money, she was so unsure and did n't even know what guideline as what could be accepted. I requested since the teller MISINFORMED ME that it was ok for me to wait on line to exchange and I took her WRONG advice to wait online. HSBC should at least respect customer 's time and honor this one time exchange!!! However, both XXXX and XXXX had ABSOLUTELY NO CONCERN OR RESPECT to customer 's time, they both refused to honor my one time request to change my XXXX pounds to US dollars. I totally wasted 40 minutes of my lunch hour with DISRESPECTFUL HSBC customer service reps and get no results!!! I had been a customer with HSBC for long time, I totally do not deserve this treatment.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-17

Bloomington, MN

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Manhattan, NY

Rewards

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-03-17

So Effingham, NH

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Phoenix, AZ

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: This is a complaint from XXXX against HSBC for HSBC 's failure to provide requested information for the debt alleged. As of XX/XX/2017, HSBC has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-17

Keyport, WA

Payment to acct not credited

Consumer Loan: Pawn loan

Complaint: I have a line of credit with HSBC on XX/XX/2007 they sold my loan to XXXX on California the terms of my loan was for 72 months. For XXXX this guy sent me a letter for the same amount for the last ten years paying him he charge Me loan areage interest I do not have any XXXX form from him the last ten years he say he forclosure my house if don pay him and he charge me for his lawyers fees. No statements from him just treating lettets
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

N Evans, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-16

Cochranton, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-16

San Francisco, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Spfld, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Mount Holly, OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Received 3 phone calls from ( XXXX ) XXXX. I called to find out why they keep calling me. They ask my name, ask to verify my address and ask to verify the last XXXX of my social. Then they tell me I owe them {$12000.00} for an auto loan in the late XX/XX/1990 that they purchased the debt for. I tell them I never made an auto purchase in the late XX/XX/1990 and that this is fraud. They tell me they will close out the account and I do not owe them and thank me for my time. I told the lady I would be reporting them for fraud. So she starts to argue with me and then hangs up.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

MN

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-15

Soquel, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a new HSBC checking account with {$350.00} new account promotion in XX/XX/XXXX. I satified all the promotion requirements by setting up the direct deposit. Two of my friends opened the new accounts 1 week later than me. Both of them received the {$350.00} bonus at the end of XX/XX/XXXX. The latest time based on the promotion terms and conditions should be the end of XX/XX/XXXX. But till now, XX/XX/XXXX, I still did not get the bonus. I tried more than 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives aggreed that I satisfied all the promotion 's requirements. Then they forwarded my case to the backend promotion team for further research. I received the responses only twice of all my requests. Mostly, they promised to reply within 4 business days, then nothing happened. The first time the backend team stated that I did not qualify for the {$350.00} promotion because I already held an account with HSBC Bank USA while opening the new account. But I was not holding any HSBC account when openning my new checking account. The terms stated " Customers who held any HSBC personal account between XX/XX/XXXX and XX/XX/XXXX are not eligible for this offer. '' But my previous HSBC personal account was closed before XX/XX/XXXX. The second time the backend team stated that did not qualify for the {$350.00} promotion because I opened a new savings account along with my new checking account. But there was no any limitation on opening a new savings account in the promotion terms and conditions. I do n't think openning the new checking and savings accounts together could make me ineligible for the new checking account promotion. In addition, the two of my friends opened the new savings accounts too. They received the {$350.00} bonus. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA refused to give me the bonus in different unreasonable excuses. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for more than 10 times. They even did not reply to my customer service requests as they promised.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-15

Bywood, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-03-15

Clarkstown, NY

Credit decision / Underwriting

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Oxford, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: XXXX XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Company Response: Closed with explanation

Disputed: No Timely Response