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
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 ComplaintThe 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.
Initial Complaint
Date:09/02/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 received an invoice for a credit card with a charge in the amount of $625.35 at ********** ******** *** VE MX. 1.I do not have a credit card with ***** nor have I ever received the card, so I cannot provide the card number to the agents when I call.2.Trying to get assistance is extremely difficult because I dont have the card number and since I am dealing with fraud, uncomfortable about giving my full SS#, so I only give my last 4 digits.3.I was informed on one of my many calls that the card was opened in 2019 and the first charge was this on 3/5/22 in ******. Shouldn't that have been flagged someone contact me especially since the first charge was 3+ years since the card was supposedly opened and out of the country. 4.Every month, I call the ********** and get transferred to another country. 5.I filed a police report as requested and sent that document to the fraud team.6. For the last 2 months, I have been told it is still under investigation.7.It has been 5 months since I began this process and still have no resolution. I have requested multiple times to have someone from the ** return my calls and still have not heard from anyone.I have written to the headquarters office in *******, ** just recently. So waiting for a response. Any assistance you can provide would be greatly appreciated.Business Response
Date: 09/06/2022
The concerns have been received and the **** case reference number is 1313208.
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
Date:09/01/2022
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- 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 been unable to access my credit card account for MONTHS. I am currently studying abroad. I reset my cookies and my username was no longer stored in my computer, and I did not remember it. I tried 4 (or 5?) times to retrieve my username with customer service both on chat and on the phone, and I was told that the ONLY way to verify my identity was by having a text message sent to the phone number on file. I explained every time that I no longer have my US phone number, as I am in Iceland, and the Skype number I have is not compatible with the system. I asked multiple times if I could use my international phone number for verification and was told NO, it had to be a US number. I spent collectively 5-6 hours trying to access my account between May-August 2022, all unsuccessfully. I have a little baby and simply can't be on the phone for long periods of time. Finally today I took an hour out of my working time in order to try and resolve this. I ended up on the phone after talking to someone on the chat (who told me the same thing as previous people) and FINALLY the woman told me to my surprise that I could use my Icelandic number on my account to verify my identity. Only THEN could I access my account to make a payment, after she told me what my user name was. HOWEVER, the same woman informed me that my account has been CLOSED due to missed payments! **** needs to rectify this by training customer service agents better, as well as refunding me for the late fees, removing the late marks off of my credit report, and re-opening my credit account with the original percentage rate before the completely unavoidable (if my Icelandic phone number would have been accepted) catastrophe transpired.The (outdated) address on the account is: *****************************************************************************.Business Response
Date: 09/01/2022
We've received your complaint in our office. Your case number is 1313050. If you have any questions please contact ***************************************** at ************ or *********************************Initial Complaint
Date:08/22/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 opened a **** Advance Mastercard with the bank in February 2021. In March 2021, after obtaining my SSN, I followed-up with **** to ensure they had all the information to correctly report to all credit agencies they operate with. I consider it very important for me - as a new arrival to the USA - to build up a strong credit history. For months, **** failed to report my credit history to the relevant credit agencies (none of my credit reports showed that this Mastercard was linked to my account/SSN). I repeatedly followed up with **** (June 2021; November 2021; December 2021; February 2022; July 2022 via email and multiple times over their chat system) to rectify this and ensure **** was correctly reporting my credit history with credit agencies - primarily Experian. After these repeated efforts on my part to rectify this, **** responded in August 2022 - confirming that "my account is not bering reported to @Expern". In addition to the poor customer service, and the unprofessional approach as evidenced by typos, my credit history is subsequently poor and incorrect. As part of ****'s restructuring, my Mastercard account is soon to be sold/transferred to another financial institution, further risking that my credit history will not be adequately reported.Business Response
Date: 08/23/2022
The concerns have been received and the **** case reference number is 1312606.
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
Date:08/11/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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 written and called this business numerous times. They have yet to validate debt they say I owe ?! I received no proof with my signature that any debt is mine . If they cant do their part then remove it from my credit ! If this continues Im going to have to seek action . I ask BBB to intervene.Business Response
Date: 08/12/2022
This has been previously received in our office and is being reviewed. Response will be sent directly to customer.Initial Complaint
Date:08/07/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
8/7/2022 Tyler *************************** ************************************************************************ SSN: XXX-XX-**** Hello Better Business Bureau (BBB),Hi, my name is ***** *************************** and Im from ****** **********. Please see the attachment via "letter of dispute".I take this quite seriously and I wish to address both Coast Central ************* ***** Fargo and each of its affiliates that are at fault.If it was your finances, wouldnt you feel the same?If you acquire any further documentation or need bank statements, business invoices; etc - please feel free to ask.My initial wish is to have my ongoing issue solved in a relevant and timely manner. I would appreciate it if either yourself or someone from your office would return my emails, please? If you please be so kind and reply to my emails with a based deadline when my case/claim should be resolved, I would appreciate it.Thank you.Tyler *************************** **************************** ************Business Response
Date: 08/08/2022
We have received your complaint and assigned case #******* in our office. Your case is assigned to ***********************. If you have any questions, ****** can be reached at ************.Initial Complaint
Date:07/27/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
Unlike every bank in *******, on 7/10/2022 there was a billing error in the amount of $200.00. Despite being told that I would receive the PROVISIONAL CREDIT in 10 days, when I called customer service they now said it can take up to 45 days. I have received conflicting information, 3 different times. To date I have received nothing regarding this bank's weird and discriminatory banking practices or policies. This has created all types of financial hardships and this bank could care less. I am speaking to an attorney today I need my $200 IMMEDIATELYBusiness Response
Date: 07/28/2022
We have received your complaint in our office. The case number is 1311353. If you have any questions, you may contact ************************* at ************ or *********************************Customer Answer
Date: 07/28/2022
Complaint: 17631745
I am rejecting this response because:
Sincerely,
***********************Initial Complaint
Date:07/21/2022
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
In March, 2022, **** sent me a letter stating that I would be receiving two new "Premiere" credit cards. I had not request such cards and was dubious as to any benefit, so I called customer service. I spoke to a customer service agent toward the end of March. In trying to figure out if such cards would help me at all, I asked if I would receive the new card bonus from the cards. There was and is an offer that, if you spend $3000 on an **** Premiere card within 3 months of activating the card, you receive ****** bonus points--the equivalent of $350. The agent told me that YES I WOULD receive this benefit on BOTH cards. Because I had concerns about ****'s integrity, due to their poor Better Business Bureau reviews, I recorded the conversation. I have a voice recording of the agent stating "That is correct you will receive the ****** introductory bonus on both cards." I received the cards in late May and activated them as soon as I received them. I began spending, per the terms of the agreement.Now, in mid July, I have spent over $3000 on each of the two cards, per the agreement, in under 3 months (3 months would be up around August, having received and activated the cards in May). I called customer service again to ask when I will receive the points, and was told I would be receiving ZERO points. I played the recorded conversation confirming that I would receive the offer on both cards, and the agent simply hung up without providing a reason.The recording and offer constitute a binding contract by ****. Legally, a contract consists of an offer, acceptance, and consideration. There was an offer, as advertised and confirmed in the recorded conversation, agreement, by myself on the phone and by activating the cards after hearing the offer, and consideration in the form of me spending $6000 on these cards and the $700 or ****** points owed by ****.I am happy to provide the phone recording or any other evidence needed to the Better Business Bureau.Business Response
Date: 08/01/2022
The concerns are under review; **** case reference number is 1309307.
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 Answer
Date: 08/01/2022
Complaint: 17599465
I am rejecting this response because:This business has NEVER ONCE followed up with me and I have never spoken to this person ****. I have repeatedly called the numbers provided and all that happens is it goes straight to an answering machine. There has been no resolution whatsoever.
Sincerely,
*******************Business Response
Date: 08/02/2022
The concerns have been previously received and the **** case reference number is 1309307.
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 Answer
Date: 08/02/2022
Complaint: 17599465
I am rejecting this response because:Customers seeking to do business with **** should take note of the above transaction.The business has had months to resolve this issue and as you can see all the business has done is provide a fake customer service number. The customer service number provided below goes straight to an answering machine. No one has ever answered or reached out to me with any discussion of this case or offer of a resolution.
**** should be audited for this fraudulent behavior.
Sincerely,
*******************Initial Complaint
Date:07/13/2022
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- 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.
On June 14 I made an electronic payment to my **** account with the same checking account on file. **** sends me a letter a few days later saying that they were about to lower my credit limit. I decided them to close this credit and a phone call to their "overseas" call centre. The customer representative told that my balance was $0 and that he will close the account and that I will not be able to reopen it. It was a done deal for me, yet on July 11th I get a notice from the credit bureau that my **** account was delinquent. After multiple calls to their under par customer service that told me that my payment did not go through because the account number was invalid. Mind you this is the same account that I have using and that is stored on file. The timing of this is awfully suspicious and has a nefarious connotation to it : my final payment was made on June 14th 2022, account closed on June 17th with zero balance, Payment was not process because of an "invalid checking account number" on June 18th!!!!!! **** card services has not any attempt to contact me about the debt by any means : phone , email or ,mail!!!! Every card I have would give you a call or send you an email telling you that you missed your payment and ask on how you were planning to make it.They just go ahead and report it to the credit bureau. An absolute disgrace!!!! I made a payment today to zero out the balance using the same account that they claim is invalid.I want the negative information stricken from my credit reports.Business Response
Date: 07/14/2022
We have received your complaint and assigned case #*******. The officer assigned to your case is *************************. If you have any questions, please contact **** at ************.Customer Answer
Date: 07/17/2022
Complaint: 17563318
I am rejecting this response because: I have received an email from the business with a person to contact. That person's phone is nothing but a voicemail box. I have left 3 messages, all 3 were not returned. This is exactly the type of bank **** is, non responsive , unprofessional employees that have no clue of what banking is. BBB , tell me what the next step is?????
Sincerely,
Amine KaddafBusiness Response
Date: 07/18/2022
Our records confirm the concerns are under review, case number 1310708.
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:************
***********************************Customer Answer
Date: 07/18/2022
Complaint: 17563318
I am rejecting this response because: I left several messages but have not received any satisfactory answer.
Sincerely,
Amine KaddafBusiness Response
Date: 07/19/2022
We have previously received this complaint and are actively working towards resolution. The case reference number is 1310708.
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:
HSBC Bank USA, National Association
Customer Relations ******
PO Box 3448
*********** 14240
Tel: ************ or ************
Fax: ************
***********************************Customer Answer
Date: 07/20/2022
Complaint: 17563318
I am rejecting this response because: You need to STOP sending me the same response over and over. NO ONE HAS CONTACTED ME YET!!!!!!! I keep getting the same boiler plate message. Is the BBB going to escalate this?????
Sincerely,
Amine Kaddaf
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