Total CFPB complaints
1,925
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,925 complaints
HSBC NORTH AMERICA HOLDINGS INC. — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about HSBC NORTH AMERICA HOLDINGS INC.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
281 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
231 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
197 complaints
- Disclosure verification of debt
Disclosure verification of debt
152 complaints
- Communication tactics
Communication tactics
116 complaints
- False statements or representation 96
False statements or representation
96 complaints
D
Grade D · 56.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about HSBC NORTH AMERICA HOLDINGS INC.?
HSBC NORTH AMERICA HOLDINGS INC. has accumulated 1,925 total CFPB complaints across 52 states, with 105 filed in the most recent 12 months against 1,820 historical complaints before that window. The trailing-12-month volume represents 5.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 52 states, led by California with 259 and New York with 205, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.4/100 places HSBC NORTH AMERICA HOLDINGS INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
105
5.5% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
56.4/100 composite
Response-quality profile
How HSBC NORTH AMERICA HOLDINGS INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 33.0%
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?
HSBC NORTH AMERICA HOL… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action197 (%)
Cont'd attempts collect debt not owed281 (%)
Disclosure verification of debt152 (%)
Attempts to collect debt not owed231 (%)
Communication tactics116 (%)
False statements or representation96 (%)
Taking/threatening an illegal action94 (%)
Written notification about debt66 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 197 |
| Cont'd attempts collect debt not owed | Debt is not mine | 158 |
| Disclosure verification of debt | Not given enough info to verify debt | 152 |
| Attempts to collect debt not owed | Debt is not yours | 140 |
| Cont'd attempts collect debt not owed | Debt was paid | 123 |
| Communication tactics | Frequent or repeated calls | 116 |
| False statements or representation | Attempted to collect wrong amount | 96 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 94 |
| Attempts to collect debt not owed | Debt was paid | 91 |
| Written notification about debt | Didn't receive enough information to verify debt | 66 |
Where do complaints against HSBC NORTH AMERICA HOLDINGS INC. come from?
The states where consumers have filed the most CFPB complaints against HSBC NORTH AMERICA HOLDINGS INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against HSBC NORTH AMERICA HOLDINGS INC.
Across 52 states with at least one filing
- California
California
259 complaints
- New York
New York
205 complaints
- Florida
Florida
185 complaints
- Texas
Texas
143 complaints
- New Jersey 88
New Jersey
88 complaints
- Georgia 80
Georgia
80 complaints
- Ohio 65
Ohio
65 complaints
- Pennsylvania 61
Pennsylvania
61 complaints
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 "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 1,925 complaints filed with the CFPB.
Are complaints against HSBC NORTH AMERICA HOLDINGS INC. increasing or decreasing? ▼
Complaints against HSBC NORTH AMERICA HOLDINGS INC. are rising. The company received 105 complaints in the last 12 months, indicating an upward trend in consumer issues.
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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (259 complaints).
What can I do if HSBC NORTH AMERICA HOLDINGS INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If HSBC NORTH AMERICA HOLDINGS INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |