CFPB Consumer Complaint Profile
HSBC North America Holdings Inc.
Behind the 12,256 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 12,256
- Total complaints
- 379
- Last 12 months
- 98.7%
- Timely response
- 55
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, HSBC North America Holdings Inc. sits at #55, with 12,256 complaints logged. 98.7% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #55
- of 3,848 companies by volume
- 98.7%
- answered on time
- Mortgage
- most-complained product
- 55
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2011 | 40 |
| 2012 | 1,239 |
| 2013 | 1,629 |
| 2014 | 1,652 |
| 2015 | 1,302 |
| 2016 | 1,057 |
| 2017 | 704 |
| 2018 | 839 |
| 2019 | 819 |
| 2020 | 644 |
| 2021 | 673 |
| 2022 | 477 |
| 2023 | 362 |
| 2024 | 355 |
| 2025 | 372 |
| 2026 | 92 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for HSBC North America Holdings Inc.
HSBC North America Holdings Inc. carries 12,256 complaints in the CFPB's database, 379 of them filed within the past 12 months. Consumers spanning 55 states and territories have weighed in, giving this a nationwide footprint. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Loan modification,collection,foreclosure," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, HSBC North America Holdings Inc. answers 98.7% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 22.1% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 7.5% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does HSBC North America Holdings Inc. have?
HSBC North America Holdings Inc. has 12,256 total consumer complaints filed with the CFPB, with 379 filed in the last 12 months.
Does HSBC North America Holdings Inc. respond to complaints on time?
98.7% of the CFPB complaints against HSBC North America Holdings Inc. get a response within the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for HSBC North America Holdings Inc.?
The most complained-about product for HSBC North America Holdings Inc. is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with HSBC North America Holdings Inc.?
The most common issue reported by consumers about HSBC North America Holdings Inc. is "Loan modification,collection,foreclosure." All complaint issues are listed above with their counts.
How do I file a complaint against HSBC North America Holdings Inc.?
You can file a complaint against HSBC North America Holdings Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about HSBC North America Holdings Inc.?
Consumers in 55 states and territories have filed complaints about HSBC North America Holdings Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~12,256)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.