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

Data updated July 2026

D

Grade D · 56.4/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: HSBC North America Holdings Inc. ranks ahead of 30% of the 5,283 collectors PlainCollector grades - 70% keep a cleaner CFPB record, on 1,955 all-time complaints and a 100% timely-response rate.

30th pct
reputation rank of 5,283 graded collectors
1,955
CFPB complaints, all-time
100%
answered inside the CFPB window
94
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about HSBC North America Holdings Inc.?

HSBC North America Holdings Inc. has accumulated 1,955 total CFPB complaints across 52 states, with 94 filed in the most recent 12 months against 1,861 historical complaints before that window. The trailing-12-month volume represents 4.8% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Threatened to sue you for very old debt". The company posts a 100% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 52 states, led by California with 262 and New York with 207. Normalized against the full CFPB collector database, the reputation score of 56.4/100 places HSBC North America Holdings Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,955

high-volume (CCDB)

Last 12 months

94

4.8% of all-time complaints

Falling ↓

States active

52

nationwide footprint

Timely response rate

100%

excellent band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

D

56.4/100 composite

How does HSBC North America Holdings Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 30th percentile higher than 30% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

HSBC North America Holdings Inc. versus the debt-collection vertical average.

Timely response within SLA 99.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 16.5%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 92.9%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
HSBC NORTH AMERICA HOL… 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.

Complaint Trend (24 months)

2023-03 2025-04

Issue Detail Breakdown

Issue Sub-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

What to do if HSBC North America Holdings Inc. contacts you

A grade of D signals how HSBC North America Holdings Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really HSBC North America Holdings Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how HSBC North America Holdings Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 56.4/100), 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).

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

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.