Debt collection
Hsbc North America: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 50
- Closed with money back
- 1
- 2023 to 2025
- 16 to 20
Hsbc North America received 1,089 complaints from everyone in the window; 50 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Managing an account". 1 of the 50 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 16 in 2023 to 20 in 2025.
What the complaints are about
By product
| Debt collection | 20 |
| Checking or savings account | 13 |
| Money transfer, virtual currency, or money service | 6 |
| Mortgage | 5 |
| Credit card | 3 |
By issue
| Managing an account | 9 |
| Attempts to collect debt not owed | 7 |
| Took or threatened to take negative or legal action | 7 |
| False statements or representation | 3 |
| Struggling to pay mortgage | 3 |
| 2023: 16 | 2024: 14 | 2025: 20 |
Which accounts, specifically
| Credit card debt | 17 |
| Checking account | 13 |
| Conventional home mortgage | 6 |
| I do not know | 4 |
| International money transfer | 4 |
What went wrong, specifically
| Threatened to sue you for very old debt | 7 |
| Deposits and withdrawals | 6 |
| Problem accessing account | 3 |
| Debt was result of identity theft | 3 |
| Debt was paid | 3 |
Busiest month: April 2025, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from GA (6), TX (5), NV (4) , then NY, VA, FL.
How Hsbc North America answered
| Closed with explanation | 49 |
| Closed with monetary relief | 1 |
Hsbc North America responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit card; Fees or interest. TX, 2024-08-31. Outcome: Closed with explanation. Complaint 9978126
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Debt collection; Took or threatened to take negative or legal action. OK, 2024-08-16. Outcome: Closed with explanation. Complaint 9824116
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Debt collection; Communication tactics. TX, 2024-08-08. Outcome: Closed with explanation. Complaint 9754179
If this is your problem at Hsbc North America
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Phoenix Financial Services 50 servicemember complaints; 0 with money back
- United Collection Bureau 52 servicemember complaints; 0 with money back
- Penn Credit 47 servicemember complaints; 0 with money back
- Waypoint Resource 46 servicemember complaints; 0 with money back
- Cng Financial 55 servicemember complaints; 0 with money back
Next in the directory by volume: RoundPoint Mortgage Servicing, Larry H. Miller Group of Companies.
Frequently asked questions
How many complaints did servicemembers file against Hsbc North America?
50 complaints tagged servicemember were received by the CFPB about HSBC NORTH AMERICA HOLDINGS INC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 16 in 2023 to 20 in 2025.
What do servicemembers complain about most at Hsbc North America?
Debt collection accounts for 20 of the 50 complaints, and the most common issue is "Managing an account" (9). Next: "Attempts to collect debt not owed" (7).
Does Hsbc North America give money back when a servicemember complains?
1 of the 50 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 49 closed with an explanation only. Hsbc North America answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.