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 2026-08-14
- 12,256
- Total complaints
- Among the highest
- 379
- Last 12 months
- 98.7%
- Timely response
- Above median
- 55
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, HSBC North America Holdings Inc. sits at #55, with 12,256 complaints logged. On-time replies land at 98.7%, the 56th percentile for the 100+ complaint peer group.
- #55
- of 3,843 companies by volume
- 98.7%
- on time (56th pctile)
- Mortgage
- most-complained product
- 55
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
HSBC North America Holdings Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.7% Higher than most higher than 56% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 355 in 2024 to 372 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
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 |
| 2026year in progress | 92 |
Complaints by State (Top 15)
Company Responses
HSBC North America Holdings Inc. Complaint Concentration Profile
HSBC North America Holdings Inc.'s complaint volume is large enough to measure concentration - not just the headline totals. Across 82 named product lines in the stored breakdown, the leading three (Mortgage, Checking or savings account, Mortgage) hold a 37.6% share of product-tagged complaints. The Herfindahl index on that product mix is 0.070 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Loan modification,collection,foreclosure, Loan servicing, payments, escrow account, Managing an account) cover a 54.4% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (New York, California, Florida) hold a 43.3% share of state-tagged volume across 55 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 89.4% share among the 12,256 response-tagged complaints (10,955 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2014 (1,652 complaints); the lightest year on file was 2011 (40). From 2024 to 2025, annual volume rose 4.8% (355 → 372). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
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. posts a 98.7% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 22.1% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 7.5% rate.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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?
CFPB complaints against HSBC North America Holdings Inc. draw a 98.7% timely-response rate inside 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for HSBC North America Holdings Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (12,256 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (22.1% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
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?
CFPB complaints against HSBC North America Holdings Inc. draw a 98.7% timely-response rate inside 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.