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Business Profile

Financial Services

HSBC Finance Corp.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Services.

Important 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.


Complaints

This profile includes complaints for HSBC Finance Corp.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

HSBC Finance Corp. has 439 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 81 total complaints in the last 3 years.
    • 29 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/05/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      6/5/2025: I have a CD account mature on 6/5/2025. I am unable to use computer or app to move the fund from my CD account to my checking account. I have to call customer services and customer services can only offer to transfer the fund for me manually but it will take few days for me to receive the fund. In additional, the *********** is not working for check deposit. Same check is unable to deposit using the *********** app and it works for *** and *********.

      Business Response

      Date: 06/06/2025

       

      The concerns have been received and the **** case reference number is 1359839.

      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

      Date:06/02/2025

      Type:Product Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I paid off my truck many years ago. Apparently I never brought it to Dmv to change it. You can only email the company for this issue not call. I have emailed more then 3 times since May 24th with no response.

      Business Response

      Date: 06/03/2025

      The concerns have been received and the **** case reference number is 1359630.


      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 Answer

      Date: 06/04/2025

       
      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

      Date:05/30/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have originally contacted **** on the 29th of April to get a Lien release on a vehicle that I have acquired so the title can be transferred into my name. The originator of the lien is defunct and is now *** this company. During that customer service call, I was advised that the department I would need to contact only has an email address ******************** and was notified on a 5-7 business day turnaround from the customer service *** on the phone. I sent initial correspondence that same day to the email address and did not receive any response. I sent follow *** on the 5th and 7th of May asking for acknowledgement of the request and any update. It wasn't until the 16th of May when I received a response asking for my address. I immediately responded. I was then asked again on the 20th of May to provide the requested details - in response to one of my follow up requests. I have ***lied to this email as well providing the requested information. I again heard no acknowledgement and sent an ultimatum on the 29th of May requesting acknowledgement of the information I provided and an update within 24 hours; I have not heard anything so I am filing this complaint

      Business Response

      Date: 06/02/2025


      The concerns have been received and the **** case reference number is 1359513.

      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

      Date:05/15/2025

      Type:Order Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with recovery management services, I do not have a contract with ****************************, LP, they did not provide me with the original contract as I requested

      Business Response

      Date: 05/19/2025

      The concerns have been received and the **** case reference number is 1358546.

      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

      Date:04/09/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing a formal complaint regarding ***** handling of a fraudulent charge on my ********** ending in 1975, and the poor experience Ive had with customer service.On Jan 8, 2025, a fraudulent charge of $26.61 appeared. I called **** on Jan 20 at 8:49 PM PST to ***ort it and requested that the card be canceled, as I was also concerned about an upcoming annual fee. The *** assured me the card would be canceled, a fraud claim submitted, and Id hear back in four weeks. I thought everything was handled.However, a few weeks later, I saw the card was still activeand the annual fee was charged on Jan 23, just three days after my call. I contacted **** again on Feb 13 and was told the card had not been canceled. The agent waived the fee for this year, and I agreed to keep the card. I was also told to wait longer for the fraud claim.On Mar 19, I followed up again after no updates. I was transferred to the fraud team and told no claim had ever been filed. I had to start over, and only then was a claim finally submitted.Later, I received a letter saying the investigation found no unauthorized chargesdespite a clear fraudulent transaction and the fact that I ***orted it three separate times.I am requesting that this case be re-opened and properly investigated

      Business Response

      Date: 04/11/2025

      The concerns have been previously received and the **** case reference number is 1356182.
      If the consumer has any questions or concerns about the complaint, they may contact ****** from our office directly at:

      *************, ********************
      Customer Relations ******
      PO Box 3448
      *******, ** 14240

      Tel: ************ or ************
      Fax: ************
      *****************************************************************

      Customer Answer

      Date: 04/16/2025

       
      Complaint: 23183911

      I am rejecting this response because: 

      I reached out to them via email two days ago, and didn't get any response back. 

      Sincerely,

      ******* ****

      Business Response

      Date: 04/17/2025

      This complaint is currently under investigation in ****'s ************************** Please contact ****** ******* at ************ or via email at *****************************************************************. 

    • Initial Complaint

      Date:04/04/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Description of the Problem:I am filing a complaint regarding ****'s mishandling of a fraudulent transaction on my credit card and the inaccurate reporting that negatively impacted my credit score.I had not used my **** credit card for a long time. On November 25, 2024, an unauthorized transaction was made using this card. Since the card was inactive, I didnt notice the charge until my credit score dropped, which led me to report the incident to **** on March 7, ******* that time, the **** representative told me that the issue would be resolved and that late payment information would be removed from my credit report. After that call:**** ****ed my credit card balance as $0 and labeled my account as "closed."My credit report provider notified me that one of the late payment ****s from **** had been removed. (I will attach a screenshot of this notice in the complaint submission.)Based on this, I genuinely believed the issue was resolved and that **** had taken action in good faith.However, **** later denied the fraud claim due to a three-month delay in reportingwithout ever notifying me. As a result, another negative **** hit my credit score the following month.This entire situation appears to be the result of systemic miscommunication or internal errors on ***** part. Their actions and lack of proper notification misled me into thinking the issue was resolved when it was not.Resolution Requested:Reopen and reinvestigate the fraud case related to the November 25, 2024 transaction.Permanently remove all negative credit reporting that resulted from this situation.Provide a written explanation and accountability for the misleading status updates and lack of notification.This mishandling has caused me financial damage and emotional distress. I am requesting prompt action and a correction of ***** mistakes.

      Business Response

      Date: 04/07/2025

      The concerns have been received and the **** case reference number is 1355881.

      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:************
      *****************************************************************

      Customer Answer

      Date: 04/11/2025

       
      Complaint: 23161787

      I am rejecting this response because:

      The customer service already reached out to me, but she just mentioned she would investigate and reach out me after that. I did not hear any updates yet. So in order to the case close automatically within 7 days, I reject this for now. I will update if the customer relationship POC investigation finished and reach out me. Thanks!

      Sincerely,

      ****** **

      Business Response

      Date: 04/14/2025

      The concerns were received and the **** case reference number is 1355881.

      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:************
      *****************************************************************

      Customer Answer

      Date: 04/19/2025

       
      Complaint: 23161787

      I am rejecting this response because: the agent ****** is still under investigation, so rejected for now, to avoid auto-accepted the case.

      Sincerely,

      ****** **

    • Initial Complaint

      Date:04/01/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing this complaint because my credit report contains unverified accounts that I do not recognize. These accounts have been added under my name without my authorization, and I strongly suspect they may be linked to a data breach or fraudulent activity. This is a blatant violation of my consumer rights under the ****, and I demand immediate action.The following account(s) require verification:Company Name: *********** No Reporting Balance - Credit Limit: $2,000 Despite my repeated attempts to obtain verification, I have not received any legitimate proof that these accounts belong to me. This failure to provide transparency is a direct violation of the **** (15 U.S.C. 1681g). I am demanding full documentation proving the validity of these accounts, including original account applications, signed agreements, or transaction records. A generic response stating that the account has been "verified" will not be accepted.If no such documentation exists, these accounts must be removed immediately under FCRA Section 611(a)(5)(A)(i), which mandates the deletion of unverifiable information. Additionally, I am filing a formal complaint with the Better Business Bureau (BBB) against the reporting company for failure to provide proper documentation proving the validity of the reported account. Their refusal to supply supporting records and failure to conduct a legitimate verification process are clear violations of federal law. I expect an immediate investigation and a full response addressing this issue.

      Business Response

      Date: 04/02/2025

      Your complaint has been received in our office, and assigned case #*******. We will respond to the consumer directly. If you have any questions, please contact ****** ***** at *****************************************************************. 

    • Initial Complaint

      Date:03/26/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      **** Premier Checking Account:Account Number: ********* Routing Number: ********* I am writing to seek your urgent assistance regarding my IRS refund, which I recently discovered has been sent to my closed checking account with ********* USA, N.A. As a single mother with children, the amount of $8,411 is crucial for our family's financial stability and well-being. I need my funds to be expidete to me

      Business Response

      Date: 03/27/2025

      The concerns have been  received and the **** case reference number is 1355443.
      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 Answer

      Date: 03/28/2025

       
      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

      Date:02/13/2025

      Type:Product Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I contacted **** via email many times to receive a letter that my loan was paid for my car They left a lean on my car, and now can not sell my car no phone number to contact only email and no response It has been almost a month . need this to be taken care of. the bank did not do their job to clear the lean after being fully paid

      Business Response

      Date: 02/14/2025


      The concerns have been received and the **** case reference number is 1353305.

      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 Answer

      Date: 02/18/2025

       
      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

      Date:02/03/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am reaching out to seek your assistance in resolving a serious issue I have been facing with ********* regarding inaccurate credit reporting. For over a year, I have been trying to address this matter, but my efforts have been met with no resolution. The problem revolves around an account (************) that ********* has been reporting inaccurately to Experian, one of the major credit bureaus. This account is close to reaching the 7-year ***** at which point it should be removed from my credit report under the Fair Credit Reporting Act (FCRA). However, due to the banks continued reporting of incorrect information, the account remains on my report, causing unnecessary harm. Despite disputing this account with Experian multiple times (at least five instances over the past year) and providing all necessary documentation to prove the inaccuracies, ********* has failed to take appropriate action. They have not investigated the issue or corrected the errors, as required by law. This ongoing problem has had a significant impact on my life. The inaccurate reporting has damaged my credit score, making it difficult for me to secure loans, rent housing, or take advantage of other financial opportunities. It has also caused me considerable stress and frustration. Given the banks repeated failure to comply with the **** and the fact that this account is nearing its removal date, I am requesting the following: 1. Immediate deletion of the inaccurate information from my Experian credit report. 2. A full and proper investigation into the disputed account to ensure compliance with the ***** 3. Written confirmation that the errors have been corrected and the account has been removed. I have attached all relevant documentation. I kindly ask for your intervention to help resolve this matter as quickly as possible. Please let me know if you need any additional information from me. Thank you for your time and support.

      Business Response

      Date: 02/05/2025

      We have received your complaint in our office and assigned case #*******. If you have any questions, please contact ****** ******* at *****************************************************************.  

    HSBC Finance Corp. is NOT a BBB Accredited Business.

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