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
11/07/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
**** will not release the lien on my truck. Despite numerous phone conversations, live chats and email traffic with multiple agents, all I have been provided is a no interest letter, when all they have to do is release the lien electronically. I have been provided conflicting information, I have been told that the titles department doesn't even have a phone number I can contact, and that they do not even have an auto financing department. I have been at this issue for months and have gotten nowhere, while I have to continue to pay insurance and registration on a vehicle that I no longer use. All I need is to get this lien released somehow, but they are making it near impossible to accomplish this.Business response
11/12/2024
The concerns have been received and the **** case reference number is 1348643.
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:
*************, ********************
Customer Relations ******
***********
*****************
Tel: ************ or ************
Fax: ************
*****************************************************************Initial Complaint
10/25/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
Please refer to 'Desired resolution - Desired settlement - Explanation' for details due to word limit.Business response
10/28/2024
The concerns have been received and the **** case reference number is 1347955.
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:
*************, ********************
Customer Relations ******
PO Box 3448
****************
Tel:************ or ************
Fax:************
*****************************************************************Customer response
11/05/2024
Complaint: 22472296
I am rejecting this response because:The Bank's comment 'Since new information and/or supporting documentation was not provided, were unable to offer further assistance and consider this matter closed.' is fundamentally incorrect.
- the Bank's quoted response on 21 Nov 2023 was literally within a merely 1 business day timespan since my CFPB case lodgement, clearly indicating the fact that the Bank never intended to initiate any kind of assistance/review/investigation in the first place;
- the Bank's quoted response 6 Dec 2023 was basically a robotic repetition of the 21 Nov 2023 response, once again clearly indicating the fact that the Bank never intended to initiate any kind of assistance/review/investigation in the first place;
- in my BBB case lodgement I did provide much new information demonstrating that I was obviously incorrectly targeted and unfortunately wronged and victimised by **********'s CSEM and/or relevant risk management division via for instance big data analyses and/or even possibly manual screening due to my demographic characters etc. and I solemnly swore that I have absolutely nothing to do with any of the crimes and do not know any of the people involved at all;While the Bank keeps mentioning that it 'has the right to close an account at any time, for any reason' it is however common sense to acknowledge that the Bank could have made a mistake/misjudgement at the time. As such, it is the most basic demand that it should be open for conducting a thorough review and rectifying the situation for me, a vulnerable long-term customer of ***********
Sincerely,
Ziling ***** **Business response
11/05/2024
The concerns have been received and the **** case reference number is 1348359.
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:
*************, ********************
Customer Relations ******
PO Box 3448
*****************
Tel: ************ or ************
Fax: ************
*****************************************************************Customer response
11/06/2024
Complaint: 22472296
I am rejecting this response because:The Bank has once again rejected to initiate any remedial action by bluntly and inequitably stating that "any further correspondence will be responded to with copies of our previous responses".
Sincerely,
Ziling ***** **Initial Complaint
10/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Had a loan for a *********** in 2009. **** is the current lien holder on the title and never released the lien after vehicle was paid off. Contacted **** looking for either a title or lien release and was told the only form of contact for the title department was email. After sending a email and waiting for a response I was told they could only provide a letter of no interest which would work. I provided them the necessary information and Have not received the letter and no more email responses. The email address has not responded to any request for updates or any information on the request and when I contacted customer service I was told to resend to the email asking for updates.Business response
10/15/2024
The concerns have been received and the **** case reference number is 1347274.
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:
*************, ********************
Customer Relations ******
PO Box 3448
****************
Tel:************ or ************
Fax:************
*****************************************************************Initial Complaint
09/27/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
I am not liable for this debt with U.S Auto Finance, I dont have a contract with HSBC Finance Corp.they didnt provide me with the original contract as I requested.Business response
09/30/2024
The concerns have been received and the **** case reference number is 1346509.
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:
*************, ********************
Customer Relations ******
PO Box 3448
****************
Tel:************ or ************
Fax:************
*****************************************************************Initial Complaint
09/19/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
In early March, 2024, **** opens a promotion for new account bonus. If I deposit more than ******* usd for more than 3 months, I'll receive 2000 usd bonus. After 4 months I don't receive any bonus and I call **** for the update. They don't provide any valid update until Sep 19th, 2024 they said I'm not eligible for the new account. Fine, I open the account with the link hang on **** US official website and follow all the instructions. I call them several times and there are no valid response at all. This is a clear scam to banking customers. Please treat this bank seriously since they're customed to cheat customers. I felt really disappointed about their business and decide to withdrawl all my money out.Business response
09/23/2024
The concerns have been received and the **** case reference number is 1345924.
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:
*************, ********************
Customer Relations ******
PO Box 3448
****************
Tel:************ or ************
Fax:************
*****************************************************************Initial Complaint
08/23/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
I am filing a complaint against **** for failing to fulfill a promotional offer related to their Premier checking and **************************** accounts.I was informed by **** that I would qualify for the promotion as long as I applied on or before March 27th, 2024. Based on this information, I applied for an **** Premier checking account and an **** **************************** account on March 20th and March 27th, 2024, respectively. My accounts were opened on April 15th, 2024, and I promptly funded them as required by the promotion.Despite meeting all the promotional requirements, I have not received the promised $1,500 cash bonus. I have contacted **** multiple times and received conflicting responses. I was told that more time was needed to process my payment, and on another occasion, I was informed that I was not qualified because my accounts were opened after the March 27th deadline. These conflicting explanations are both confusing and frustrating, especially since I complied with all the terms and conditions of the promotion. I believe that **** has failed to honor their commitment, and I request the BBB's assistance in resolving this issue.Thank you for your attention to this matter. I look forward to your prompt assistance in ensuring that **** fulfills their promotional promise.Business response
08/26/2024
The concerns have been received and the **** case reference number is 1344641.
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 ******
***********
****************
Tel:************ or ************
Fax:************
*********************************Customer response
09/05/2024
Complaint: 22186007
I am rejecting this response because: Hi ******. Since I filed complaint, **** or you has Never contacted me on this matter. **** still owes me $1500 which was promised at the time of account opening. Please answer my question on when I will be paid.
Sincerely,
*****************************;Business response
09/06/2024
The concerns are currently under review; case reference number is 1344641. Response will be sent directly to the consumer at resolution.
If the consumer has any questions or concerns about the complaint, they may contact *************************** from our office directly at:
HSBC Bank USA, National Association
Customer Relations ******
PO Box 3448
*******,** 14240
Tel:************ or ************
Fax:************
*********************************Initial Complaint
08/19/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
**** employees, provided incorrect promotion info with advantages of **** to mislead customers making incorrect financial ***********************, as a result of financial lost.I visited **** Fremont branch on 1/12/2024 to close my **** account. But a branch stopped me and offered me 3 promotions that I was qualify after checking my account. So, based on the information she gave me, I decided to give up my original plan which will have $3,000+ earnings, keep my **** account, transferred more new money to **** and set up direct deposit with my employer.But, after all of above done, that branch assistant gave me a call said that she made a mistake, I am actually not qualifying for Offer 3. I filed a complaint the **** Fremont Branch manager. She honor me the offers.Therefore, I kpet the existing checking accout, brought in $100K new money to opened an 8-month ** with 5.4% interest with an online agent on 1/25/2024, and confirmed multiple times with that online agent before and after I opened the ** account, that I was qualify for the $1500 cash bonus if I kept the new money till 5/31/2024. And received $1500 cash bonus 8 weeks after 5/31/2024 which would be 7/31/2024.My Direct deposit started at 2/15/2024, ended at 6/7/2024. The $500 cash bonus would be deposited into my checking account withing 8 weeks which would be not later than 7/15/2024.Till 8/1/2024. I didnt receive any cash bonus. I called **** 8/5/2024 to check the status on my cash Bonus. They promised to get back to me in ********************************** as promised. I online chatted again today (8/19), the online agent told me that I didnt qualify for all the cash bonus even though the branch manager and the online agent who opened the ** promised that I do qualify for both cash bonus. I lost the $3,000+ earnings at the beginning and $2,000 cash bonus after I made all the required transactions.Business response
08/21/2024
We have received your complaint in our office and assigned case #*******. We will respond directly to the consumer at completion of our investigation. If you have any questions, please contact *************************** at ************ or *********************************.Initial Complaint
08/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Received a phone call today 08/08/2024 from a *******, who transferred me to a *********************, front desk for a Law firm called ********. Didnt provide much info just alleged that he was calling for a credit card from 2001. No documentation was provided, and the email given did not belong to me. No signature was provided and stated they were taking me to court to garnish wages. This past the statue of limitations in ***** and how can I go firm that the debt even belonged to me when I didn't even bank with *****Business response
08/12/2024
The concerns have been received and the **** case reference number is 1343871.
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
07/23/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I have a mortgage loan with **** and I have set up auto payment when I opened this **** premium checking account and put some money there.In the end of May, I don't want to put money in **** account anymore because **** is so hard to use so I paid my loan manually from **** of America, and I thought **** system would recognize this activity and stop automatic draw from **** shortly after in beginning of June ***** is how every other bank works like ************** **** system was dumb and still tried to draw my auto payment on June 1st therefore charged me insufficient balance fee of $20. I paid this $20 over phone and also manually deleted auto payment profile stored in **** in mid ************* **** tried again pulling auto payment in July and charged me another $20 insufficient fee. When I called **** on this, they said they can not address this and their system took 2-3 weeks to reflect my cancelling of auto payment and that was why system tried to withdraw money from my **** checking again.I am requesting **** to fix the legacy software system on their end, and fix software bugs if any. And refund me my 2 * $20 = $40 charges, since I didn't delay or miss any monthly payment.Business response
07/23/2024
Your complaint has been received in our office and assigned case #*******. We will complete a review and respond accordingly. If yo have any questions, please contact *************************** at ************.Initial Complaint
07/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
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:************
*********************************
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Customer Complaints Summary
93 total complaints in the last 3 years.
22 complaints closed in the last 12 months.