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

CFPB complaint data Grade D 1,955 complaints

HSBC North America Holdings Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Complaints by issue type

What consumers report about HSBC North America Holdings Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #248

  • VOL 1,955
  • GRADE D
  • 12MO 94
  • STATES 52
  • TIMELY 100%
  • DISPUTE 17%
  • ISSUE Cont'd attempts collect de…
  • RANK #87
  • COMPOSE #248

Volume peers

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

Bull City Financial Solutions, IncBull City Financial Solution…1,945Velocity Portfolio GroupVelocity Portfolio Group1,949HSBC North America Holdings Inc. (this)HSBC North America Holdings …1,955Lockhart, Morris & Montgomery Inc.Lockhart, Morris & Montgomer…1,957AmeriCollectAmeriCollect1,970
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 →

How the 1,955 complaints break down

Every complaint issue type on record for HSBC North America Holdings Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.2/100
HSBC North America Holdings Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
1,955
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
17%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#87 volume
#248 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 HOLDINGS INC. National average
Complaints (last 12 mo)lower is better
94
872
268
Timely-response ratehigher is better
100%
98%
91%
Consumer-dispute ratelower is better
17%
19%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy HSBC North America Holdings Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 96%97%98%99%100%101% 10%15%20%25%30% Timely response rate (%) Dispute rate (%) HSBC North America Holdings Inc. vs. 9 similar-volume peers, by response speed and dispute rate HSBC North America Holdings Inc.Lockhart, Morris & Montgomery Inc.Velocity Portfolio GroupBull City Financial Solutions, IncAmeriCollectU.S. BANCORPLJ Ross AssociatesWorld Acceptance CorporationRentDebt Automated Collections, LLCNelnet, Inc.
Source: CFPB Consumer Complaint Database

HSBC North America Holdings Inc.'s complaint volume in context

HSBC North America Holdings Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

1,955 Top 2% higher than 98% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. HSBC North America Holdings Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against HSBC North America Holdings Inc.

Across 52 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.