HSBC NORTH AMERICA HOLDINGS INC

2016-12-28

Lancaster, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have been trying to close an HSBC for 8 months. I had several auto-pay invoices associated with the account. Unfortunately I did not stop the autopay in time, and was charged exorbitant fines and oversraft fees. I paid them. The bank demanded I pay them in cash. In person. Now, 8 months later, I received a call saying that those oversraft were never paid. They are demanding over {$2000.00} from me. And want a receipt for the cash payments I made, claiming I never made them. I do not have the receipts. I thought the matter was settled, and have moved on with my life. I tried to pay with my new bank cards at the time, but was denied as HSBC demanded cash. I can not get away from this company. Help!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-28

East Rockaway, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I took out a mortgage loan in 2006 because it was advertised as a low monthly payment and low interest rate. However, every month the mortgage payment kept increasing including the interest rate. I defaulted because the payment ended up getting so high that I was no longer able to afford the monthly payment. It was like if the bank wanted me to default on the loan on purpose. I also tried to modify the loan several times but it was denied.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-27

Bloomington, MN

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Customer rep with HSBC confirmed I would not receive a fee, advised replacement card and checks would be mailed free of charge. I reached out again and the next rep confirmed she could not see any prior requests, could not tell if a card had been ordered, and was unable to fix the fee which was not my error that had previously been confirmed as waived, and was only able to advise checks are charged/not that my prior request was completed. I previously was transferred to a supervisor, but this time the rep, XXXX, refused. I am concerned with this lack of transparency, applying fees which have been confirmed as waived, and charging for some products when some reps feel like, but not when other reps confirm the products are free. A federal investigation into this transparency is required.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-27

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I received an offer from HSBC bank to get {$350.00} if I open a checking account and keep {$3000.00} balance for 3 month and pay 2 bills per month from the checking account for 3 consecutive month. I did all of this for 3 month and today I received a letter from the bank that they are now closing my account because of some " Rules for Deposit Accounts '' and of course they did n't honor the {$350.00} bonus that they advertised. Very strange, that they opened this account, kept it for 3 month and used my money and when it come to pay the bonus, suddenly I am not qualified for the account. I think it is a fraud on their part and I will bring this matter to the Attorney General 's office and Federal Trade Commissioner if it 's not resolved.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-26

Longwood, FL

Forbearance / Workout plans

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-23

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-23

CO

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: i really dont know where to start but im not really happy with my mortgage financial company i have been with hsbc for 14 years and this last 2 years has gotten crazy i had problems with them since day one but this is getting very stress for me, so here i begain XX/XX/XXXX i paid my house payments and XX/XX/XXXX i went on vacation and my husband XXXX had called me and told me that hsbc called and said that i hadnt made any house payments since XX/XX/XXXX so i proceeded to call them and they said no they didnt say that and so i got it straighten out and thought we were doing ok for year XXXX XXXX at the beginning of the year i recieve my bill in the mail like my first statement for XXXX so then a few weeks later i got a bill for XXXX i proceeded to pay it then i thought very thing was ok no phone calles no lettters until XX/XX/XXXX XXXX i started getting foreclosure notices and i called and they said we were behind 6 month of payments and i told they needed recheck the records and so i didnt want to fight with them i cried and had to tell XXXX and so i agreed to pay a payment of XXXX and they also said i wasnt making the full payemn of XXXX i never reicieve a notice i was going to refiance and ran into errors they hsbc hadnt put it on our credit for 1 year i called and asked why and they told me that they havent done it for a year so i had got an email from XXXX and and i called and they put it back on my credit and they insisted that i was 3 months behind i paid the XXXX and i asked when it was going to going to be posted and they told me that day and as of today XX/XX/XXXX, its not been posted and i have to do a phone conference with XXXX on XX/XX/XXXX so she can do a defered payment and she asked when i would make the XX/XX/XXXX payment i told her on jauary XXXX and im calling that payment so i can get a reference number this has cause me so much stress i had to put a hold on paying other bills, and the broker called me and told me he couldnt refieance me for another year and with them hsbc changing my payment date from the XXXX of the month to the XXXX of the month is going to show me late and they have showed on my credit from day one that i was always late because they would hold the payment for 2 or 3 weeks they are a really hard fianacial company to work with im XXXX and want to refiance but they are ruining my credit
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

Silver Spring, MD

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I had a checking and savings account with HSBC. I am in the XXXX and had direct deposit go into those accounts. While I was XXXX overseas for the XXXX, someone used my debit card and made many transactions in stores and online. Once I found out about this I notified my XXXX who told me to notify the bank about the fraud. I called HSBC bank and reported the transactions which totaled over {$3200.00} of my hard earned money gone. I waited for some type of credit to my account so I could pay my bills. Three days after HSBC stated they would not be able to approve the claim. They did not even bother to investigating it. I was devastated and in shock because I really worked hard to save that money. Not only did they not investigate but they also notified the branch manager of the location that i opened my account to close it once my funds were depleted because my account was a victim of unauthorized transactions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

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

2016-12-22

Queens, NY

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Hi ive recived a zero Blance letter from XXXX XXXX XXXX XXXX # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

Flushing, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

New York, NY

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-20

San Jose, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-20

Scottsdale, AZ

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: XXXX is claiming I have past due credit card debt with HSBC, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XX/XX/XXXX and XX/XX/XXXX claim that if I do n't resolve this debt, I would be sued for wire fraud. I spoke to XXXX XXXX from XXXX XXXX XXXX on Tuesday, XX/XX/XXXX. He stated they were trying to contact me about an alleged past due credit card debt with HSBC. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs. I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud. I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off XX/XX/2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-19

Black Walnut, MO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-19

Washington, DC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Jonesboro, GA

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

2016-12-16

Nyc, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: In XX/XX/2016, I closed my acct in person at HSBC on XXXX. Around XX/XX/XXXX I receive a note that I owe {$35.00} for overdrawing on my acct and insufficient funds. The amount allegedly overdrawn on my acct was {$45.00} - exactly what I took back from my acct upon closing it. I am XXXX. Ca n't go outside. Do n't want to talk on the phone. I have emailed them and tweeted them explaining everything. All they do is keep telling me to come in or call. Since XXXX they have taken me around in circles. All they need to do is look into it and send me a letter saying my account is closed and that I do n't owe them. I am now wondering if they even closed my acct or do they just send bills out hoping that someone wont pay attention and pay the {$35.00}. The fact that customer service ca n't help me leads me to believe that they are outsourced and are there for appearance only.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-15

Laurel, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-12-14

Lewisville, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I sold my house in XXXX on XX/XX/2015. My former mortgage holder, HSBC, supplied a payoff letter to the title company which was good through XXXX. A check was sent from closing to, and cashed by, HSBC within the prescribed time. The amount was as they had requested in their payoff letter, and they released their lien on the house. XXXX XXXX XXXX XXXX months later, HSBC sent me a bill for the amount, and started calling me XXXX times a day saying I owed them {$3200.00} more. I sent the bill to the title company, and the XXXX XXXX said that HSBC was wrong and that she would take care of it. A few days later, she said she had spent hours on the phone with them, but got absolutely nowhere. She said they do n't even show that we sold the house. They show that I made a big payment in XX/XX/2015, but that 's it. At this point, a year and a half after the sale, I still get harassed by numerous daily calls. HSBC has no lien on the property, which is good, but they do n't seem to understand that fact. I just received a copy of a homeowners insurance policy which they purchased in my name for the property as well. I have spent hours on the phone with them myself, but ca n't get a single person to even acknowledge that the property was transferred to another owner. Everyone I talk to at HSBC says, if effect, " there, there, if you are having trouble paying your mortgage, there are programs that can help ..., etc. '' I can never actually get to a discussion of their error because they simply read off canned responses. It is completely pointless. I just wish they would sue me so that I can counterclaim and actually fight this.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-14

Sylvania Township, OH

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: My husband and I took out a second mortgage in XXXX it was a 15 year fixed loan at 12.625 % since then we had some draw backs and inXXXX/XXXX save the dream helped bring this loan current however the mortgage company indicates a different amount paid by save the dream our experience report show different reporting the mortgage company says we missed like 27 payment. When we tried to see if the would settle for a lesser amount they said the loan has matured and can. It work with us it is so confusing please help me understand, XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-13

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-13

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response