HSBC NORTH AMERICA HOLDINGS INC

2016-11-30

Manhattan, NY

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Garland, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Pembroke, NC

Communication tactics

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

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

AL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: My name My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with HSBC Bank in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( XXXX ), I am requesting that XXXX ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX ( XXXX ) days of their receipt of this request. Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Sincerely XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

Schuylkill Haven, PA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

Holbrook, NY

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-28

Herndon, VA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: I was mislead to invest in a structured CD 's, that did not earn any % gains over 6 years period, the Broker did not act a fiduciary agent according to SEC regulations.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-28

West Brandywine, PA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: According to information presented at XXXX the XXXX HSBC Settlement agreement addresses HSBC 's alleged misconduct regarding its mortgage servicing and foreclosure practices. As outlined by the Consent Order ( XXXX ) we have not received any information about our specific HSBC loan in which multiple illegitimate foreclosure attempts by HSBC were made, trial and temp modification were fraudulent and deceptive, and gross neglect of law was commonplace with HSBC and their representatives. We defended XXXX XXXX XXXX XXXX erroneous foreclosure attempts alone on this account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, and each XXXX of them was full of fraudulent and abusive actions. The latter foreclosure attempt was also abandoned by HSBC for over six ( 6 ) years. I do n't really know where to begin with informing you and others about the elongated problems with our specific mortgage mess. I can only share our information so you can get a clearer picture of the atrocities my wife, family, and I have endured as a customer of HSBC from XXXX, XXXX through to XXXX, XXXX. I can provide further evidence or information upon request. When we reached out to both the XXXX HSBC Settlement staff ( by phone ) and the Office XXXX ( by email ) earlier this month, they both informed me that they can not help us. They are simply enforcing information they have.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-27

Baxter Estates, NY

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-27

Nyc, NY

Rewards

Credit card:

Complaint: This is a small matter, and it happened last year, but I have found it to be greatly aggravating. Related thereto : How would you like to delve into the world of credit card " bonus points '' and related cash-back offers? The situation is as follows : In XXXX of 2015 I opened a new account at an HSBC bank branch on XXXX XXXX XXXX in XXXX. Because my initial deposit was rather large, I became a new " premier '' customer. As such, HSBC gave me a new credit card and said that I 'd get " XXXX points '' that I could turn into a {$250.00} cash-back ( or {$400.00} in airline tickets ) if I spent more than {$2500.00} in the first three months. I spent the required amount, but HSBC refused to give me the bonus points ( and therefore I did n't get the cash or airline tickets ). I spent my {$2500.00} during the three months after I had received the card in the mail, but HSBC said that I needed to have spent the {$2500.00} during the three months that began immediately upon the day I had signed up for the card at the HSBC branch. [ It took more than ten days for the card to arrive to me in the mail. * How did HSBC expect me to start spending when I had n't received the card yet? ] In order to understand this, I initially called the phone number on the back of the credit card. After some discussion, I was told that they would not award me those bonus points. I then went into the bank branch in order to question this decision. The branch manager was sympathetic, but after he spoke to HSBC 's credit card back office he told me that they refused to budge on this matter. As a result of this -- which I consider to be a betrayal by HSBC -- I took all of my money out of my HSBC bank accounts and I cancelled the credit card. And I 've promised myself to never have another banking relationship with HSBC again. But those things are immaterial to the fact that I still think that I was entitled to the {$250.00} cash-back. HSBC had made a big deal when I started that I had a " premier relationship '' and a dedicated Premier Relationship Manager at the branch. That person has changed since I opened my accounts there, and the new Relationship Manager kicked the ball to the branch manager who -- as I said -- was unable to intervene in this simple dispute and get it resolved in my favor. [ Parenthetically, it has become clear to me that the " premier relationship '' at HSBC is worthless. ] And even without a premier relationship, I would have expected that " reason '' would apply to this situation. You ca n't spend money with the card if you have n't received it yet. Three months should begin when you receive the card ( I 'm pretty sure that such deals, when offered by other credit card companies, work that way ). People at the CFPB, if you wish to follow up with me on this, my contact information is shown elsewhere in this complaint. And thank you for your time in reading this note. Sincerely, XXXX ( " XXXX '' ) XXXX Phone : XXXX ____________ * I have handwritten notes in my files that indicate that I " initialized '' the card on XXXX/XXXX/15. That 's the date I called HSBC to indicate that I had successfully received the card ; and ( to my way of thinking ) that should have been the date upon which the three months began. My notes also indicate that I changed the PIN on the card on XXXX/XXXX/15. [ I can only imagine that HSBC has electronic records of both of these events, and the dates they occurred. ] I subsequently spent {$2500.00} ( with the last bit of spending -- that put me over the {$2500.00} line -- having been done on XXXX/XXXX/15 ). Again I say that conventional wisdom would dictate that such a " bonus points '' deal applies to the first three months that you have the card ( but it seems that conventional wisdom does n't exist at HSBC ).
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-11-26

Brooklyn, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I currently doing refinance with HSBC. My loan submitted in XXXX and they locked the rate for 90days. My mortgage got approved XXXX and they started to work on the subornation XXXX. In XXXX before the rate expired I have told them to extend the rate, their employee told me the rate has expired and they will extended. My rate was locked at 3 % and on XXXX XXXX I received an email for closing cost that my rate has increase to XXXX. I called HSBC again. My answer was your rate has expired then they will use the new rate. I feel HSBC is misleading their customer and they are cheating me as their customer. Their employee send me an email saying you either have to take it higher rate or pay {$4400.00} For 15days extend. My self is mortgage banker at another lender and I know how the extension works. For. 14 days charge I should n't pay for {$4400.00} or my rate went up since I already lock so what is the point of extension for? I need someone to help
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-25

Oceanside, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-11-25

Palos Park, IL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I sent 3 letters to request that the agency, XXXX XXXX XXXX, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-25

Midland, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-24

Moreno Valley, CA

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-24

Moreno Valley, CA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-23

Corona, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-11-23

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: l am not one to complain but in this case l feel l must. HSBC breached my privacy by giving my sister all account balances and activity for myself and my parents. When I learned of this I contacted the branch manager, XXXX XXXX. He sent me a letter of apology for what had happened ( see attached ) and admits to an unintentional oversight. Apparently her " buddy '' in the branch had no problem giving her whatever she asked to see. This oversight caused a legal battle due to information that was given to my sister that she had no business knowing. Although this happened in 2013, Litigation is still currently in the courts relating to this unthinkable act precipitated by the bank. I always thought my confidentiality was between me and the bank and never to be compromised. I recently contacted HSBC 's legal department ( see attached ) and was sent a two word answer. They did not want to hear it, help, and was totally disinterested. When I questioned this response, lwas told to contact the two regulatory agencies with the complaint and they would then get it back and at that point they would have to re-examine. Needless to say, this unintentional oversight has cost me great monitory hardship, not to mention the legal fees. I am asking you to investigate this breach of privacy. Thanking you in advance for your prompt attention to this matter.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-11-23

NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: My debit card was fraudulently misused. I lost my debit card, and before I could discover or report the loss, there were several unauthorized debit and credit transactions made to and from my checking account. I made a police report of the unauthorized uses of the card and forwarded the police report to the financial institution, HSBC, without any positive recourse to date. I have spoken with HSBC customer service telephone bankers, the manager of the HSBC branch, where I initially open the account, banking agents in the bank card security division, banking agents in the fraudulent investigation unit, and agents at the XXXX corporate office. On XXXX XXXX, 2016, my bi-weekly paycheck was directly deposited into my HSBC checking account. As per my monthly requirements, I attempted to pay my monthly car insurance and note, and to my dismay, I discovered that my entire paycheck had been depleted and I had a negative balance in my checking account. I immediately reported the incidents to the bank card security division of HSBC bank and requested an investigation of the debit and credit transactions observed on my e-statement. To date, I have received no help from HSBC in resolving the matter. The investigation has become circular, as I am being referred to multiple HSBC units, without any proposed or possible avenues to commence a resolution ; other advice or assistance, yet I am being hounded daily with telephone calls from HSBC collection department seeking repayment of the monies fraudulently credited and debited. The checking account statements for the months of XXXX and XXXX 2016, evidenced both unknown fraudulent debit and credit transactions. The possible explanations given by HSBC for the debited transactions are ambiguous. One banking agent indicated that the deposits were a draw down on an attached overdraft credit line ( of which I have no prior knowledge, nor from which I had ever resourced funds ). Another bank representative stated that deposits that appear on the statements were due to attempts to deposit fraudulent checks. The alleged fraudulent deposits referenced took place over XXXX miles away from my hometown. These supposed deposits were not made by me or any authorized agent on my behalf. I have no knowledge nor can I offer any possible explanations how they occurred. Additionally, there were several ATM withdrawals and merchant transactions of which I have no knowledge nor can I offer any possible explanations how they occurred. I would like to file a complaint with the Consumer Financial Protection Bureau, of the Federal Deposit Insurance Corporation and the Attorney General Office of New York, but I need evidence to support my complaint. I need copies of any and all steps taken by HSBC to investigate the fraudulent debit and credit transactions. I lost my entire bi-weekly paycheck as well as I am being held liable for the overdrawn fees, charges and balance. I am a valued and long-term customer of HSBC. I need help in discovering the source of the fraud and removing the cloud over my credit history. The best solution would also include restoration of my paycheck.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-23

Roseville, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-22

Bolingbrook, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-22

Ny City, NY

Money was not available when promised

Money transfers: Domestic (US) money transfer

Complaint: On XX/XX/2016 I requested a wire transfer of {$22000.00} from my personal checking at HSBC account to a domestic non profit checking account at XXXX belonging to a foundation that was managing a pleasure trip to XXXX that I was taking. The transfer was processed via internet and all requested information was given. The funds were withdrawn from my account immediately, a fee was charged and the transfer confirmation said the funds would be available by XXXX XXXX. I was surprised by the length of time the transfer would take so I spoke to a customer person on XX/XX/XXXX who said without doubt the funds would be received before XX/XX/XXXX, probably by XX/XX/XXXX. There was no mention that there was a problem with this transaction. On XX/XX/XXXX XXXX had not received my wire transfer. Also on that date I received a call from XXXX XXXX XXXX from HSBC, VP Premier Relationship manager, who informed me that the funds would not be transferred until an XXXX license # was provided due to the mention of XXXX ( I explained to him it was a touristic trip, not business ) and that the funds were on hold until the license # was provided which was done on the same day it was requested. The foundation that was managing mt travel arrangements for XXXX said they had never experienced this before in dealing with tourists and XXXX. Nevertheless the info XXXX XXXX required was provided immediately. Despite this, the funds were never released and despite many emails and unanswered phone calls ( 25 to 30 ) to XXXX XXXX with many messages left stating the urgency of XXXX receiving the money ( to pay for my trip which was on XX/XX/XXXX ). Due to XXXX XXXX 's lack of responsiveness and lack of professionalism, I had to find under great stress another means to cover my trip. Since then I have tried to get the funds ( which are still on hold ) returned to me along with the fees I paid. On XX/XX/XXXX while Ii was out of town XXXX XXXX who finally answered his phone told my bookkeeper ( who I had told XXXX XXXX was authorized to speak on my behalf to resolve this matter ) that in order to do this I must call a service representative at XXXX. I did, I was transferred several times and placed on hold for 45 minutes. The agent who I finally spoke to referred me back to XXXX XXXX an said it was XXXX XXXX 's responsibility to execute the process for this. XXXX XXXX was called back and left this info in a message and he was asked to call me back ASAP and he has not returned the call. It has now been a week since this message was left and XXXX weeks since the transfer originated and I have not received my funds back into my account! I have had no notification in writing or paperwork informing me that my funds were being held, the reason and length of time they would be on hold or how to proceed to get the funds returned to my account. For this reason I went on XX/XX/XXXX to HSBC in person and they told me they would get back to me. The HSBC failure of performance, care and professionalism after over twenty five years of a banking relationship has caused me enormous financial problems to say nothing of the great XXXX surrounding this matter. I need your help to resolve this matter. Many thanks.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-21

Knickerbocker, NY

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-21

Tampa, FL

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-21

Bellaire, TX

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I was notified by the IRS that Beneficial Finance submitted a XXXX for the XXXX tax year for non payed debt charged off debt dating back to to XXXX. This resulting in taxes owed to the IRS for earned income from many years ago.
Company Response: Closed with explanation

Disputed: No Timely Response