What is the most common complaint against HSBC North America Holdings Inc.?

The most common issue consumers report about HSBC North America Holdings Inc. is "Cont'd attempts collect debt not owed", specifically "Threatened to sue you for very old debt". This is based on 1,955 complaints filed with the CFPB.

Are complaints against HSBC North America Holdings Inc. increasing or decreasing?

Complaints against HSBC North America Holdings Inc. are falling. The company received 94 complaints in the last 12 months, showing improvement over prior periods.

What is HSBC North America Holdings Inc.'s reputation grade?

HSBC North America Holdings Inc. has a reputation grade of D (score: 53.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does HSBC North America Holdings Inc. respond to consumer complaints?

HSBC North America Holdings Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does HSBC North America Holdings Inc. operate?

HSBC North America Holdings Inc. has received CFPB complaints from consumers in 52 states, with the most complaints from California (262 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

HSBC North America Holdings Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

358
Attempts to collect debt not owed

342
Took or threatened to take negative or legal action

334
Communication tactics

232
Disclosure verification of debt

199
False statements or representation

180

Data updated September 2026

CFPB complaint disposition

CCDB record hsbc-north-america-holdings-inc HSBC North America Holdings Inc.

Grade D · 1,955 CFPB filings · 100% timely · lead issue: Cont'd attempts collect debt not owed · vol #87 · compose #3698

VOL 1,955
GRADE D
12MO 94
STATES 52
TIMELY 100%
DISPUTE 17%
ISSUE Cont'd attempts collect de…
RANK #87
COMPOSE #3,698

Volume peers

Nearest volume peer: Lockhart, Morris & Montgomery Inc. (1,957 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

HSBC North America Holdings Inc.'s 1,955 CFPB complaints sit next to Lockhart, Morris & Montgomery Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

HSBC North America Holdings Inc. spreads filings across 52 states - California leads at only 13.4%

Despite a broad state map, HSBC North America Holdings Inc. still sits volume #87 against composite #3,698 - the two RankMaps diverge by 3,611 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 13.4% across 52 states
Seasonal peak: 2023-03 8.7%; 8–15% band · 9 filings
Divergent corpus ranks: #87 volume; #3,698 composite; Cleanest-composite ladder is 3,611 places worse than volume

How does HSBC North America Holdings Inc. compare to its peers?

How does HSBC NORTH AMERICA HOLDINGS INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

HSBC NORTH AMERICA HOL… National average

Complaints (last 12 mo)lower is better

872

268

Timely-response ratehigher is better

100%

98%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-03 2025-04

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	358
Attempts to collect debt not owed	342
Took or threatened to take negative or legal action	334
Communication tactics	232
Disclosure verification of debt	199
False statements or representation	180
Taking/threatening an illegal action	155
Written notification about debt	84
Improper contact or sharing of info	48
Threatened to contact someone or share information improperly	20

Where do complaints against HSBC North America Holdings Inc. come from?

HSBC North America Holdings Inc.'s own per-state count, not a national baseline.

California

262
New York

207
Florida

186
Texas

146
New Jersey

91
Georgia

80
Ohio

66
Pennsylvania

64

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for HSBC North America Holdings Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,955.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.74025974025975%.

4 peers

Know your rights before responding to HSBC North America Holdings Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.