HSBC NORTH AMERICA HOLDINGS INC

2017-02-15

Mem, TN

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Bay Shore, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Salem, OR

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Charlotte, NC

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Una, SC

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Carson, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Manhattan, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-14

Long Beach, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I received a voice message from an unidentified caller from an unknown phone number regarding potential legal action. I was going to ignore the message until my father notified me that he too was called on his mobile phone regarding this potential action. I called the phone number left in the voicemail and identified myself by the case number given along with verifying my name and address. I was informed that this was an attempt to collect a debt for an XXXXOrchard Bank Mastercard ending in XXXX. Not immediately being familiar with the account, I asked to be provided with a statement or additional documentation. The representative claimed that I was sent a notice 45 days ago and asked why I did n't respond .... I never received any correspondence regarding this alleged debt. When I again pressed for written documentation, I was told that I could only receive it during a court proceeding, so would I like to be served? I said sure and she said " see you in court '' before hanging up. After the call I found information on the account - a welcome email from Orchard Bank and a Closed Satisfactory Account on my XXXX credit report. Not only was this account properly closed, but it was in XXXX. Orchard Bank ceased to exist in XX/XX/XXXX when Capital One purchased their accounts. Under the California XXXX XXXX Title XXXX - Fair Debt Buying Practices, this debt would be time-barred since it is well past the four ( 4 ) years of statute of limitations : XXXX ( d ) ( XXXX ) A debt buyer shall include with its first written communication with the debtor in no smaller than XXXX type, a separate prominent notice that provides : " You may request records showing the following : ( XXXX ) that [ insert name of debt buyer ] has the right to seek collection of the debt ; ( XXXX ) the debt balance, including an explanation of any interest charges and additional fees ; XXXX XXXX ) the date of default or the date of the last payment ; XXXX XXXX ) the name of the charge-off creditor and the account number associated with the debt ; XXXX XXXX ) the name and last known address of the debtor as it appeared in the charge-off creditor 's or debt buyer 's records prior to the sale of the debt, as appropriate ; and XXXX XXXX ) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. " A request for these records may be addressed to : [ insert debt buyer 's active mailing address and email address, if applicable ]. '' ( XXXX ) When collecting on a time-barred debt where the debt is not past the date for obsolescence provided for in XXXX XXXX XXXX a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. XXXX ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, [ insert name of debt buyer ] may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' ( XXXX ) When collecting on a time-barred debt where the debt is past the date for obsolescence provided for in XXXX XXXX XXXX a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. ''
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

International, WA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-14

Bronx, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-13

NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-12

Hamilton Grange, NY

Fraud or scam

Money transfers: Domestic (US) money transfer

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-11

Houston, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On or around XX/XX/XXXX, I open a checking account at HSBC Bank USA, XXXX. I opened this account online because there is not a HSBC local branch in the area where I live. I am writing CFPB because HSBC did not follow through with the offer they promised. HSBC promised to deposit a promotional bonus of {$350.00} into my account once certain conditions were met. There were XXXX options ; I chose to make 2 bill payments for three consecutive months to qualify for the offer. Twice in XX/XX/XXXX, I called HSBC to find out when I would receive the promotion. XXXX supervisors on two different occasions told me that I had met the conditions of the promotional and the funds would go into my account by XX/XX/XXXX. When XX/XX/XXXX past, the funds were not in my account, I called HSBC to find out why. I was told that since I had a credit card with them, I did not qualify for the promotion. HSBC never mentioned anything in the promotional material about having a credit card with them to qualify for the promotional bonus. They indicated that one could not have had a checking account with them within the past year ( they tried to use this excuse at first to deny my bonus ). I told HSBC employee that this was not true. HSBC never would have opened my account if I had an account with them within the past year. I am requesting that CFPB look into this matter. HSBC has reneged on its promise. This is an unethical act on the behalf of HSBC.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-11

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I thought that I had an online banking account in XXXX XXXX but unfortunately, bad people used the name of HSBC and all money was stolen.On XX/XX/2017, a called from HSBC XXXX confirmed that I am a victim of a blow. Sorry, I can not spell her name, it is a greek name, but it is the phone number:XXXX. She explained me that HSBC does not work with this kind of account number even that, it is an online banking account. This website and Account number do not belong to the true HSBC bank, and XXXX XXXX XXXX is not a Manager employee in HSBC XXXX as she told me. XXXX Account number XXXX In XXXX, we have a limit in sending money abroad, for this reason, to send all fees required, it was sent in my name, my sister and mother name and XXXX friends too. The total is XXXX dollars. For that, we asked loans from banks and financials. I have all receipts. XXXX XXXX XXXX sent me her ID, the address of the HSBC branch : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I checked all resources available like XXXX and Social Media and all of them were ok. The laid who called me told me that HSBC can not do something for me. It is not true. IF HSBC HAS ANSWERED MY EMAILS SINCE THE BEGIN, IT COULD BE AVOIDED. Since I started to feel that something was wrong, I started send emails to other employees from other branches in XXXX XXXX but NEVER, I am repeating NEVER no one answers me back. In the last weeks, HSBC XXXX XXXX answered me back due to the high number of people who I contacted by XXXX and XXXX. Unfortunately, It took 6 months. Six months without answers and no consideration for me.I want to be clear that is not my intention in prejudice HSBC employees in XXXX or anywhere in this world. I read the newspaper and watch TV and the economic situation in the world is not so simple. However, this blow could be avoided if since the begin someone has given attention and answered my emails. Can you understand my deeply disappointed with HSBC XXXX? I had an online account but I have never accessed it. XXXX XXXX XXXX and XXXX XXXX XXXX, my supposed managers, always asked for fees and more fees and she always said that after paying that, it would be the last fee and it never happened. The Last fee was XXXX XXXX, I did not pay it. What let me deeply down and disappointed with HSBC XXXX is this total disregard to me. This blow could be avoided but it wasnt due to total negligence from employees of XXXX XXXX have never got answers back and due to it, I am a victim of blow using the name of HSBC. I would like to avoid to expose HSBC in XXXX XXXX or something else. After such scandal, How many people would not do business with HSBC? How many customers would close their account and investments would be transferred to another bank due to such disregard to me? Believe me, for others banks, such scandal is a gift but just HSBC can avoid it I do not want prejudice someone but I will not just forget XXXX dollars which were sent to pay fees and charges to HSBC, plus others expenses. I am repeating again, All of it could be avoided if since the begin my emails were answered but it didnt happen and now the consequences. I am trying to settle it in a friendly way but it will depend now on HSBC. I will not give up about this money and I believe that HSBC will be reasonable enough to send me an extra compensation for this last six months without answers back ( soon XX/XX/XXXX it will be a year ) .Even now, I have asked them to answer me back, no one has answered me yet. I can send you all emails that I have been imploring for attention and solution. As I said to you before, I do not want to prejudice HSBC image and or business. I just want what belongs to me. HSBC XXXX XXXX was negligent. They can not treat people like that.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

Oceanside, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-09

Ozone, TN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-09

Beecher, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-09

Scottsdale, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: submission, [ Case number : XXXX ] I received a response from the HSBC, it was inadequate, they were sued and I was a victim of HSBC failures. they want to hand this issue off to another servicer, as if I was n't serviced by HSBC, repair their image. I asked for a VA loan, HSBC promised me a principle reduction, my loan is in a modification. I did n't see any paper work in the terms of the modification, which I understood my rate would not change they lied, I did n't see anything about a principle reduction they transferred my loan. please forward my case to the legal department the was recently awarded a settlement HSBC. My case should be awarded like the many of their customers that were caught up with the Mortgage practices of HSBC. please forward my case. I was also kept from doing HARP, by HSBC. I am experiencing a hardship due to HSBC practices.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-09

San Francisco, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I closed my bank account at HSBC & was told on the phone & sent a letter saying it was closed with a balance of zero. I noticed a late charge from them on my credit report & called. They said they would fix the issue since it was their fault for including a sneaky {$10.00} charge on the account after I closed that then turned into a bigger XXXX from late payments. I never received a letter or call saying that I owed them & I could n't check the status of my account online since it was closed. They did n't resolve the issue & it was then 60 days late. I called again & was assured they would fix it & then it turned into a 90 day late payment. They finally resolved it but never would take that mark off my credit score. I filed a dispute with them through XXXX XXXX multiple times but the late payments remain on there.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

Atl, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

Pearland, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

Aberdeen, NJ

Taking out the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-08

Five Points, NC

Closing/Cancelling account

Credit card:

Complaint: I had a checking account and credit card with HSBC USA. In early XX/XX/2015, I called HSBC USA to cancel all my accounts with them. They closed only the Checking account, and left the credit card opened. As a consequence, a remaining balance of a few dozen dollars was on my card a few months before I realize it. I had automated payment from checking to card, but after they closed my checking, no payment arrived on the card account. HSBC USA never contacted me about the card account. I contacted them many times, but since I closed my bank account with them, they did n't want to help me and correct there mistakes. As a consequence, I have a delinquency posted on my report that cost me a lot.
Company Response: Closed with explanation

Disputed: No Timely Response