HSBC NORTH AMERICA HOLDINGS INC.


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"Products" offered by HSBC NORTH AMERICA HOLDINGS INC. with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Money order
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Prepaid card - General purpose card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Vehicle loan or lease - Loan

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Complaint ID: 3362057

Date Received: 2019-09-03

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I do not recognize the following hard inquiries. Date Company Address XX/XX/2019 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2019 HSBC BANK USA NA, XXXX XXXX XXXX XXXX, NEW YORK, NY XXXX

Company Response:

State: TX

Zip: 77584

Submitted Via: Web

Date Sent: 2019-09-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3360989

Date Received: 2019-09-01

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: I received a promotion offer from HSBC that indicated that I could open a new HSBC Advance checking account and get a {$350.00} welcome deposit if : 1 ) opened the account by XX/XX/XXXX 2 ) deposited {$10000.00} and left the money in the account for 90 days. The welcome desposit was to be deposited 8 weeks after completing all activities. ( attached promotion terms ). I fulfilled all the requirements and I should have received my deposit by XX/XX/XXXX. However, HSBC is not honoring its offer claiming that " I did not use the correct link to open the account ''. However, I disagree with that assessment because I did open the account with the link provided. Furthermore, I checked with their chat and phone representatives at least 3 times after I opened the account and all of them assure me that I was on track to receive the bonus. Bottomline, I should have received the welcome bonus on XX/XX/XXXX and now if HSBC decides to honor their promise I would be lucky if I get the bonus by the end of XXXX ( because they said it would take 1 week to resolve the issue, which they keep stretching, and 5 weeks to get the bonus deposited ). This is 3 months more thant they requested my money to be locked. I really think this is completly unreasonable and reprehensive that they treat their customers this way. Giving them the round around between departments. I am attaching proof of these conversations to the best of my ability, since I did not recorded the phone conversations. 1. XX/XX/XXXX Chat transcript provided, where I was directed to call and ask about my account. I contacted a representative and he assured me my account was good. 2. XX/XX/XXXX emailed after phone conversation- yet again I was asking questions on when I was going to receive the welcome bonus online 3. XX/XX/XXXX Copy of chat transcript provided- in which I expressed concerned for not having received the welcome bonus on XX/XX/XXXX. The representative agrees and opens 1st investigation XXXX which is supposed to last 3-5 business days and I am supposed to receive a phone call or email. I never received any communications. 4.XX/XX/XXXX Copy of chat transcript provided. The HSBC representative tells me for the first time that I am not getting the bonus because I did not use the link provided. then he tells me he can help me re-open the investigation because I fulfilled all the requirements except using the link ( I disagreed with this conclusion ). He re-opens an investigation ( reference # XXXX ) and a complaint for this situation ( Ref : XXXX ). I was told the investigation would take 5-7 business days and I would receive a resolution then. Then I had to wait ANOTHER MONTH to get the welcome bonus. 5. XX/XX/XXXX Copy of the transcript provided. since I did not hear from them I contacted HSBC again, after 20 minutes waiting for a representative to figure things out. He tells me that he does not see any updates after my complaint and 2nd investigation/request. I spoke to a supervisor and she does not see any updates. Now I have to wait another 3 days ( after the holiday ) so that they can even get in touch with the marketing department and expedite the process. At this point I do not have any reason to believe they are working on my case because they have not done so in the last month.

Company Response:

State: NY

Zip: 11421

Submitted Via: Web

Date Sent: 2019-09-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3360811

Date Received: 2019-08-31

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: HSBC XXXX XXXX CA branch - XXXX is my premiere banker. She set up bank accounts and credit card account. Credit card, upon being issued, was duped or used by another entity resulting in unknown charges. Also, the issue of the card was brought to XXXX 's attention immediately in XX/XX/2019 and she said she would take care of it ... call the cc division and have a new card issued. New card issued but they transferred balance to new card even though the point was balance was not generated by consumer. Also, this resulted in negative credit report ( late reporting ). You can not access the account number to pay the bill regardless. There is no account number on the bill anywhere. When you call them, after providing security info, they want you to go to the branch every time to pay the bill. They were asked to handle the problem on XX/XX/XXXX and the branch manager promised to be get involved. Than he left for holiday and never followed up on the issue 44 days later. So now hopefully CFPB can get my credit report cleared up and I can have a functioning credit card?

Company Response:

State: CA

Zip: 900XX

Submitted Via: Web

Date Sent: 2019-08-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3359511

Date Received: 2019-08-30

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: HSBC Bank Nevada, N.A. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX. attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from XXXX XXXX XXXX ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.

Company Response:

State: NC

Zip: 28027

Submitted Via: Web

Date Sent: 2019-08-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3358278

Date Received: 2019-08-29

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: Hello, I applied for an HSBC credit card and received an email on XX/XX/2019 to call XXXX to verify my identity. When I called, they asked me for my cell phone for a text message verification code, I gave them the code, and was told I'd be receiving an email with a link to upload proof of my identity and a utility bill for residency. However, I did not get an email with the link. I then called them back and was told they were declining my application. Just 5 minutes prior, I was told they needed two documents. I was also told, the second time, that I would need to reapply. When I asked if they would pull my credit report again, the representative said no, but I don't know why they wouldn't run it a second time since it would be a new application. I was told that after they received proof of my identity that I would receive the credit card I applied for. However, on the second phone call, they told me they were declining my application and refused to let me send over proof of my identity and residency.

Company Response:

State: IL

Zip: 60586

Submitted Via: Web

Date Sent: 2019-08-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3358211

Date Received: 2019-08-29

Issue: Getting the loan

Subissue:

Consumer Complaint: Applied for loan and was pre-approved for XXXX 12.99 APR 36mo loan. Was told that I just needed to submit bank statements and paystubs. Also asked for work phone number. Received phone call saying that they wanted phone number for HR. I explained that given the size of my company they will only do verification through a letter or theworknumber. They demanded a HR number which I had already explained they would not do verification over the phone to protect the privacy of employees. They insisted on the number which was supplied to HSBC. Subsequently they denied application after hard credit pull stating that employment could not be verified. This seems like discrimination given its not my fault my company is trying to protect my privacy and not advertise to anyone who calls that I work for the company. Additional they advertise the process as fast. This seems very manual to me. No other loan company has required anything beyond paystubs or a letter for employers to verify employment.

Company Response:

State: NY

Zip: 100XX

Submitted Via: Web

Date Sent: 2019-08-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3356427

Date Received: 2019-08-28

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: I had opened and funded a new online choice checking account with HSBC in XX/XX/2019, following a link on their main page that qualified you to earn a bonus of {$200.00} if you used a link on their landing page and maintained a deposit of {$1500.00} or more for 3 consecutive months. The bonus amount was to be credited to my checking account within 8 weeks of the 3 month threshold. When I checked in late XXXX after I had satisfied the bank 's requirements fully, I didn't see the bonus amount credited. I chatted with their online chat rep and she confirmed after reviewing and researching my account details and history that I had met the requirements and should have received the bonus. She told me she's logging a ticket to get this issue resolved and I should see the bonus deposited in 5-7 business days. I again checked after 10 days and still didn't get my bonus amount. I called their call center in mid XXXX and the rep logged another ticket and told me we should have an answer in 3 days or less. I checked after 5 days and still no change. I called their call center again on XX/XX/XXXX and they advised me they don't know what has happened and the rep who opened the ticket will be the only person who can provide the status. After long wait, I got a call that I will not be getting the bonus because I didn't use the " right link '' from their landing page. I think this is a flimsy excuse with no backing facts to deny the bonus, when all this while over 6 months I wasn't made aware that I would not qualify. I feel like HSBC was not transparent, they cheated and defrauded me while holding on to my funds for over 6 months. I am sure, I am not the only consumer who is facing this situation, there might be 100s or even 1000s more who fell in this trip where HSBC can conveniently deny the bonus amount on flimsy grounds leaving consumers stranded while holding on the free capital in hundreds and thousands of dollars, i.e., free money. I have initiated withdrawal of all my funds and will be closing my account in the next 1-2 days. This amounts to a fraud in my opinion and HSBC should be investigated to see the depth of financial crimes in this case.

Company Response:

State: NC

Zip: 27284

Submitted Via: Web

Date Sent: 2019-08-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3355975

Date Received: 2019-08-28

Issue: Closing an account

Subissue: Company closed your account

Consumer Complaint: On Thursday XX/XX/2019 I had received 2 different letters dated on XX/XX/2019 from the HSBC Bank to inform me my checking account will be close on Friday XX/XX/2019. By exercising their right for rules for consumer Deposit Accounts. Second letter was my credit line account has been terminated ... I try many times call XXXX numbers to know the reason with details to defend myself of innocence of what triggered the company to close all my accounts. Only answer was I break the rules for consumer Deposit. I had 9 years of relationship with the Bank never had problem of late payment of my credits Line and never use the full potential of the credits few months ago they raised my credits line ... I never on 9 years overdraft my checking account, plus I had security checking account if was ... Only Deposit I have on this checking account are my direct deposit from my employers.

Company Response:

State: NY

Zip: 11414

Submitted Via: Web

Date Sent: 2019-08-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3355740

Date Received: 2019-08-27

Issue: Took or threatened to take negative or legal action

Subissue: Threatened to sue you for very old debt

Consumer Complaint: Hello, Started receiving calls 2 days ago from a supposed law firm called XXXX XXXX XXXX. They are claiming to be a law firm threatening to serve me today over a debt from an account that hasn't been used since 2010. They are claiming I owe XXXX on a debt to HSBC bank and last activity on the account was 2010. Statute of limitations in NY is 6 years and I believe the same in Ohio. I'm almost a decade past that. Man on the phone essentially claimed officers were on the way to serve me if I didn't agree to pay them the full amount today. After doing some research is seems this company makes similar threats to others. I was sent an email from a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX

Company Response:

State: OH

Zip: 432XX

Submitted Via: Web

Date Sent: 2019-08-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3353898

Date Received: 2019-08-26

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: XXXX XXXX repeatedly calls me staring from XX/XX/XXXX. This paid was paid under a settlement amount and it was back in XXXX. The representative from this office, who says is a manager, is extremely rude and will not give me any information except to threaten me that I will not like what he will do if I choose not to pay this debt. He has repeatedly robotic called me at my job even though I have asked him not to and has even told me that he doesnt care if I pay this that he will continue to call me. I need to stop this harassment

Company Response:

State: NJ

Zip: 08016

Submitted Via: Web

Date Sent: 2019-08-26

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.