ComplaintsforHSBC Finance Corp.
Additional Complaint Information
The Chicago BBB will continue to process all complaints (other than the aforementioned) against HSBC Finance Corporation and their affiliated dba companies.
Effective May 1, 2012, Capital One acquired HSBC's domestic credit card portfolio. This includes accounts from Orchard Bank, Household Bank, Direct Merchants and several other retail brands.
For more information or if you have questions, visit the Capital One web site at www.capitalone.com
Customer issues concerning HSBC Credit Card complaints will go to Capital One, which is processed by the Better Business Bureau in Richmond, VA where the company's operations are located.
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
07/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I called to apply for a business credit card. I know my credit because ** trying to rebuild my credit. Im also try to build my business credit. Before I allow anyone to pull my credit I always inform them, I have a bankruptcy that has been discharged and almost two years cleared. I always inform the representative that I have only been in business for 6months with the **** but in business before that. I always ask what are the qualifications with having these issues in my report of odds for getting approved? I was told everything was fine because I received a promotion. The promotion didnt indicate bankruptcy will keep me from getting approved or I would have never applied. The representative didnt even say, let me get someone that can better answer those questions. Now, I have missing point from my *********** account. I want a letter sent to me and ********** indicating to remove the inquiry and re-submit my points that was removed.Business response
07/15/2024
The concerns have been received and the **** case reference number is 1342525.
We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact ***************************************** from our office directly at:
**** Bank USA, National Association
Customer Relations ******
PO Box 3448
****************
Tel:************ or ************
Fax:************
*********************************Initial Complaint
06/19/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Unresolved
My account has been under review for 5 months and counting. I called in daily for any update. There has been zero progress, zero transparency, and I get the runaround from their internal team every time. Ive gone through several life emergencies in the meantime, while my entire life savings which *** worked hard for has been blocked from any access. Every time I call the answer is the same your account is still under investigation and theres no update.There is no reason resolution should take over 5 months. All I ask for is some updates, transparency and hopefully a timelier resolution.Business response
06/20/2024
We have responded to this consumers complaint as of June 14, 2024. Please allow 7-10 days for mailing.Customer response
06/21/2024
Complaint: 21870735
I am rejecting this response because:
Upon reading response from the business **** as stated `We responded to this consumer complaint on June 14, 2024. Please allow 7-10 business days for receipt. ` I made a follow up call to the appropriate departments and had an emotional back and forth trying to see if there really was any progress or update made on June 14th. There has been no record or indication as such and I STILL cannot reach the internal department handling my case. Additionally, the address on file I have is changed but I am being blocked by their internal departments from updating. I have received zero calls, zero emails, and zero mail from **** during this 5 months. Please:1. Push for resolution of my account status. Either close with refund or allow me access.
2. Clarify exactly what action was taken on June 14th, 2024. No calls or emails have been sent. If it is a mail, we need to update the address off which correspondences are being sent to.
3. Provide updates on my account situation ASAP. It has been nearly 5 months since any progress, update or transparency has been provided.
Sincerely,
*******************Business response
06/24/2024
Our records confirm response was sent directly to the client on June 14, 2024. A copy of this response will be sent to the client via email within the next 2 business days.Customer response
06/26/2024
Complaint: 21870735
I am rejecting this response because:
The response from **** to my original complaint stated that their records show that they sent a respond directly to the client on June 14th 2024. Which they double down on. The first time they confirmed this I called in immediately but their EFRAUD associate and supervisor have no record of this, an internal **** team that is the only one I can contact regarding my account. I got my hopes up and was disappointed. I want to know what method was used for this communication attempt because it is failing and could be the very core reason why my account has been stuck frozen for so long. 5 months and counting.Lastly, in ****s 2nd follow up response they promised me an email with the same correspondence to ensure I get it this time. Which I have still not yet received. I want **** to confirm which email address they sent this to because I have checks my main inbox and spam folders and it has still not arrived. Either there is a bug in their system, some kind of misunderstanding, out of date or inaccurate contact information or they are not being truthful with me. I am in pain and agony for what I have been through due to this situation that has affected other aspects of my life. Please I ask kindly and respectfully, beg and implore **** team for who this concerns and who I am blocked from contacting directly, lets get to the bottom of this once and for all.
Sincerely,
*******************Business response
06/28/2024
We have previously received these concerns and have an open case in our office, reference # 1341620Customer response
07/04/2024
Complaint: 21870735
I am rejecting this response because:
No progress after days. No communication. No updates. Still locked out of my account and funds without any information. 6 months approaching quick. My life support is locked up and **** has thrown away the keys without a care in the world. Please condemn this anti consumer company who live and breathe by anti consumer practices to the fullest degree. My life is in shambles due to **** horrible management of my situation and account.
Sincerely,
*******************Initial Complaint
04/25/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
I am not liable for this debt with the ************** NA", I do not have a contract with ************* NA. They did not provide the original contract as I requested.Business response
04/26/2024
Your complaint has been received in our office and assigned case #*******. If you have any questions, please contact ***************************************** at *********************************.Initial Complaint
04/03/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I deposited a check in ********** Dec 1. 2023 is when I got incarnated and didnt get out until March 6 2023, When i got out i have ***** bucks. I told them about it, they gave me $7,000 and the mailed me $5,000 which the state put a lien on, no biggie. I still have ****** that they still own me they have gave me the run around for a year, I gave them all the documents they asked for twice, proof of incarection and my ID and my social. which is uncalled for. Now they are saying that I have to go to a branch with my ID they cant tell me anything else.They only have like one of two banks in a America. An the phone that i have had for years doesnt all of a sudden past the way they verify who I am.Business response
04/04/2024
The concerns have been received and the **** case reference number is 1337790.
We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact ***************************************** from our office directly at:
**** Bank USA, National Association
Customer Relations ******
PO Box 3448
*******, ** 14240
Tel: ************ or ************
Fax: ************
***********************************Initial Complaint
04/01/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
3/25/2024, I used **** online banking to transfer $9000 using wire transfer to my Bank of American. On 3/27/2024, $8945 is credited back to my **** account. I called on April 1 to **** and BOA to find out what happened and what is the missing $45. I confirmed with *** at BOA ************* that the wire of $9000 never make it to BOA. It is ****'s responsible to troubleshoot and refund me the $45. As my understand a premier client at **** is eligible to receive free wire in and out. It shouldn't be any charge. Please refund me ASAP.Business response
04/03/2024
Your complaint has been received in our office and assigned case #*******. If you have any questions, please contact ***************************************** at ************ or **********************************Initial Complaint
03/21/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
**** returned an ACH transfer to my bank, Navy Federal, and the money didn't end up in my account. **** refused to provide a "Trace Number" that allows Navy Federal to track this transfer. Therefore, causing the money to go missing. **** has told me that they will have someone call me back over 10 times. I have never received a call. I had a conference with both banks and **** could never provide the number needed for Navy Federal to trace the transaction.Business response
03/22/2024
The concerns have been received and the **** case reference number is 1337222.
We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact *************************** from our office directly at:
**** Bank USA, National Association
Customer Relations ******
PO Box 3448
*******, ** 14240
Tel: ************ or ************
Fax: ************
***********************************Customer response
04/02/2024
Complaint: 21464369
I am rejecting this response because: The matter has NOT been resolved. **** has contacted me directly but we have not came to a resolution yet.
Sincerely,
***********************************Initial Complaint
03/01/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
I have experienced fraudulent transactions on my account spanning from October 2023 to January 2024. As per my assessment, I am entitled to a refund for the fraudulent charges reflected in the December 2023 and January 2024 statements. However, **** has refunded only for transactions up to December 2023, omitting the January 2024 statement, which covers the majority of the fraudulent charges.Despite my efforts to address this discrepancy with ****, including multiple attempts to contact them by phone, I have not received a satisfactory response. Their stance has consistently been to adhere to a policy that only refunds from the date of the first fraudulent transaction, which contradicts their own policy guidelines.Additionally, I am concerned by the lack of explanation provided by **** regarding the unauthorized use of my debit card number for online transactions, especially considering that I have never shared or used the card number for any online transaction.Until **** issues a refund for the entirety of the fraudulent transactions and provides a comprehensive explanation for the security breach, I will not consider further investments with ****.Thank you.Business response
03/04/2024
The concerns have been received and the **** case reference number is 1336313.
We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact *************************** from our office directly at:
**** Bank USA, National Association
Customer Relations ******
PO Box 3448
*******,** 14240
Tel:************ or ************
Fax:************
***********************************Customer response
03/08/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and I will wait for their response since its most likely take more than 7 days for them to respond to my complaint.
Sincerely,
Tirta WijayaInitial Complaint
02/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
My problem is that one company gave another company my information and that company is trying to collect. I know 15 USC **** validation of debt that is illegal. The account is not mine and I ask them to validate the debt and they could not. As stated below. I am not reliable to the debt I do not have a contract with ********* ******* Services P.O. Box10497 **********, **** ***** (a)Accuracy and fairness of credit reporting The Congress makes the following findings:(1)The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.(2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.(3)Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.(b)Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.Business response
02/05/2024
The concerns have been received and the **** case reference number is 1335028.
We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact ***************************************** from our office directly at:
**** Bank USA, National Association
Customer Relations ******
PO Box 3448
*******,** 14240
Tel:************ or ************
Fax:************
***********************************Customer response
02/07/2024
Complaint: 21235621
I am rejecting this response because:
Sincerely,
***********************Initial Complaint
01/25/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am in the process of a refinance. I was approved and a title search indicated an outstanding HELOC with **** mortgage from **** that was subsequently paid in full. I contacted **** mortgage Legacy lien release via email and provided them with the Book #***** and page#**** filed in the Erie county ,*******,******** office. I also provided the documents requested. A title search and the mortgage pages required. I have strict time constraints on the refinance and would appreciate if you could help me with this important matter. I have tried everything and keep getting the runaround. I couldnt even locate a corporate office to contact regarding this matter! Thank you so much in advance for investigating this matter *********************Business response
01/29/2024
The concerns have been received and the **** case reference number is 1334732.
We will review the points raised and follow-up directly with the consumer. If the consumer has any questions or concerns about the complaint, they may contact *************************** from our office directly at:
**** Bank USA, National Association
Customer Relations ******
PO Box 3448
*******,** 14240
Tel:************ or ************
Fax:************
***********************************Initial Complaint
12/26/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I'm deeply troubled by the sharing of my nonpublic information with credit bureaus, leading to inaccuracies in my report. This has caused immense financial and emotional distress. Under 15 USC **** Section 602, I have the right to privacy. Additionally, 15 USC **** Section 604 A Section 2 prohibits furnishing accounts without my written instructions. Moreover, under 15 USC **** B, late treatment of payments on my account is prohibited.Please rectify these inaccuracies promptly to alleviate the distress caused. My account number is ****************. I trust you'll address this matter in accordance with the law and ensure accurate reporting going forward.Business response
12/27/2023
The concerns have been previously received and the **** case reference number is 1333483.
If the consumer has any questions or concerns about the complaint, they may contact our office directly at:
**** Bank USA, National Association
Customer Relations ******
PO Box 3448
*******, ** 14240
Tel: ************ or ************
Fax: ************
***********************************
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Customer Complaints Summary
111 total complaints in the last 3 years.
16 complaints closed in the last 12 months.