ComplaintsforHSBC Finance Corp.

Financial Services

Additional Complaint Information

Customer Complaint:

Effective March 15, 2010, all HSBC Auto Loan complaints will be handled by the Dallas BBB as a result of the recent agreement between HSBC Finance Corporation and Santander Consumer USA, Inc, which is located in the Dallas service area.

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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Initial Complaint
03/21/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
**** 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
The complainant verified the issue was resolved to their satisfaction.
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 Wijaya
Initial Complaint
02/01/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
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
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
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
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
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: ************
***********************************
Initial Complaint
12/05/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
As per the conditions of my **** World Elite Mastercard account, I am supossed to earn 6 points per dollar on travel purchases. On November 23rd, 2023, I made two travel purchases with Busbud ******** **. I got 6 points per dollar for the $45.02 purchase but for the $14.97 purchase, I only got 2 points per dollar.
Business response
12/07/2023
The concerns have been previously received and the **** case reference number is 1332769.
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
11/22/2023
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I recently had $3125. of money orders stolen from the mail and they were frauduantly cashed at a ***** ********** They were made out to ****************. ************** Gardens, which does not do business with ***** they bank at Regional. So how was a person able to cash these money orders and they were not ************** *** without the help of someone working at the bank. I have went into **** in midtown to speak with a representative and the girl at the entrance desk, was obnoxious, she would not let me speak to anyone, told me I dont have an account with ***** so nothing they can do to go to the police.I tried to speak to and email customer relations and have got no where.
Business response
11/24/2023
The concerns are under review; **** case reference number is 1332258.

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
11/29/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***********************
Initial Complaint
09/29/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with credit ******** N.A. I do not have a contract with Midland Credit Managem, they did not provide me with the original contract as I requested.
Business response
10/02/2023

The concerns have been received and the **** case reference number is 1330167.

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
10/04/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*********************
Initial Complaint
08/22/2023
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I'm living on a SSDI and I had social security put in my account and they put two of my checks in my account and now this one finance is saying that I can't get my money out and I have bills to pay for and I don't think it's right for them to keep my money because I can't pay my bills or anything like buy my medication or buy groceries and I need to know how to get my money back from them because they have done me wrong I have spoken to **** and he assured me that I was getting my checks back from them through the mail and I have not heard anything I would like to know if you guys have lawyers to talk to
Business response
08/24/2023
This consumer's claim is not in relation to ********** *** N.A. but ************** Please redirect the consumers request to this entity.
Initial Complaint
08/17/2023
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
**** charged without any of my prior knowledge or authorization or agreement to my **** Loan Account Number ********** $240.00 on 5/15/2023, $540.00 on 06/02/2023, $325.00 on 06/06/2023 and $1,230.00 on 08/16/2023 for Litigation Attorney's Fees. I sent a fax regarding this matter to **** Mortgage Servicing on 06/21/2023 to refund the unauthorized charges, no written communication since then received in response. A total of unauthorized charges of $2,335.00 together with the applicable interest should be repaid.
Business response
08/18/2023

The concerns have been received and the **** case reference number is 1328142.
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
08/27/2023

Complaint: 20484146

I am rejecting this response because:
- Charges by ******** are against common practices of other banking institutions in similar circumstances related to eminent domain cases.
- ******** without any advance communication to me started quietly charging my escrow account since May and continues writing blank checks from my escrow account to their external consultant. The total of such charges to date to be reimbursed are $2335.00 plus interest.

Sincerely,
*******************************
Business response
08/29/2023
Our case is still opened and assigned case #*******. We will respond directly to the client once our investigation is complete.
Customer response
09/04/2023

Complaint: 20484146

I am rejecting this response because there has been no contact, follow up or update by HSBC.

Sincerely,

*******************************
Business response
09/06/2023
Hello. The case is still open in our office as our investigation is not yet complete. We will respond to the consumer directly once the investigation is complete.
Customer response
09/15/2023

Complaint: 20484146

I am rejecting this response because:
This is regarding complaint ID: ********. I just went on the web site to provide my comments when it showed that 7 calendar days have passed. I was going to provide my answer that I reject business' response as the business has not contacted me at all and never provided any updates on their "investigation". Could you reopen the case so I could provide my comments?
Sincerely,

*******************************

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