I am disputing two credit card charges with HSBC related to XXXX XXXX XXXX, which ceased operations following bankruptcy. First, I was charged USD XXXX for a prepaid, refundable reservation for XXXX XXXX XXXX The reservation was unilaterally canceled by the merchant, and the service will not be provided. I received written confirmation from both XXXX and XXXX instructing me to seek a refund through my credit card provider. I submitted this documentation to HSBC, but the bank has not resolved the dispute and stated it is awaiting documentation from the merchant, despite the merchant no longer operating. Second, my credit card was charged an additional USD XXXX ( XXXX too ) on XX/XX/2026, which I did not authorize and for which no service was or will be provided. HSBC later incorrectly stated in a letter dated XX/XX/2026 that this charge was not posted, even though it appears on my credit card statement.…
CFPB COMPLAINT DATABASE
HSBC North America Holdings Inc.
117 real consumer complaints filed against HSBC North America Holdings Inc. at the Consumer Financial Protection Bureau in the last 12 months. 6 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Managing an account16
- 02Closing an account16
- 03Took or threatened to take negative or legal action10
- 04Attempts to collect debt not owed8
- 05Opening an account8
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I am writing regarding my HSBC credit card account, which has been closed. I recently became aware that I had reward points associated with this account ; however, I am currently unable to redeem them due to the account closure. At the time of closing the account, I was never informed that there were remaining reward points, nor was I advised of any deadline or grace period within which the points needed to be redeemed. Had I been made aware of this information, I would have taken the necessary steps to redeem my points before the account was closed. Given the circumstances, I kindly request that you allow me to access and redeem my remaining reward points, or alternatively provide an equivalent resolution. I believe this is a reasonable request, as there was no communication provided regarding the existence or expiry timeline of these points. I would appreciate your review and assistance on this matter and look forward to your response.
I am a HSBC Premier member with account # XXXX for 15 years plus. One of my HSBC joint checking account # XXXX, which I opened in XXXX with my daughter XXXX. As a HSBC premier member, we were told the monthly fee is waved as long as I maintain my HSBC premier status. But since XX/XX/XXXX, the account # XXXX has been charged XXXX XXXX monthly fee without give us an advanced notice ( by email or by phone ). I have visited HSBC branch office on XX/XX/XXXX, the branch officer only has limited authority to access my account history. So I was put on a call with HSBC head office. The representative on the phone promised will get back to me if I am intitled to get fee refund and what's the next steps to avoid fees such as closing the account. But I have not received any response from HSBC since.
XXXX : XXXX closed my XXXX XXXX checking, saving account and associated credit card without stating specific reasons. An annual fee XXXX $ posted to the closed credit card. XXXX : I called the XXXX line to request ( a ) the specific reason ( s ) for the closure and ( b ) a re-verification path if this was routine XXXX I was told the closure could not be appealed and the annual fee would not be refunded. I have no delinquency. I request senior review and reinstatement ( or a clear re-verification path ). If any consumer report was used, please provide FCRA adverse action disclosures. If reinstatement is declined, please refund the annual fee XXXX $ issue a final statement, confirm the refund method/timeline, and ensure no negative credit reporting.
I am submitting this complaint regarding excessive dormancy and commission-related fees charged on an account that was originally established as a custodial account by my mother when I was around XXXX or XXXX XXXX XXXX. I turned XXXX in XXXX and was unable to meet with the bank to transition the account into my name because I left foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These circumstances made it nearly impossible for me to manage or even access the account. My mother attempted to contact the bank on my behalf but was told she could not act on the account since it was no longer custodial.…
Recent complaints
The 30 most recent complaints against HSBC North America Holdings Inc. where the consumer chose to publish their narrative.
Following HSBCs responses to my previous CFPB complaints ( # XXXX and # XXXX ), I am submitting this complaint regarding the inconsistent application of the Cardmember Agreement in relation to the forfeiture of my rewards points. In case # XXXX, HSBC confirmed that my account was pending closure and had not yet been closed. However, in case # XXXX, HSBC stated that my rewards points had already been forfeited. According to the Cardmember Agreement, rewards points are forfeited upon account closure, not prior to it. The account status described in the earlier complaint response indicates that the account was still active at the time I requested to transfer my points. Additionally, HSBC relies on a clause stating that it may take away points in cases of misuse, which implies discretionary action. However, in my case, this appears to have been applied automatically, without allowing any opportunity to redeem or transfer the points while the account was still active.…
Regarding my HSBC account been closed without any e~mail or notice, I need to know the detail information about 1.closing date 2.account balance when closing account 3. Regarding rule or law to close my account 4. Where is my account balance and HSBC has to payback with interest since the beginning until now. 5. Necessary compassion.
My husband and fathers phones were called today XX/XX/XXXX from XXXX XXXX XXXX requesting that I call them back. I did call back and spoke to 3 different people who threatened me with serving me papers to take me to court and place a lien on my home. All three people hung up on me when I tried to get information. They all have my most recent phone number and address. They are calling my family for the purpose of intimidation and harassment.They all were combative, threatening and extremely rude. They have been harassing me since XX/XX/XXXX using different names for their agencies. They have used the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt is from XXXX and is past the statute of limitations. It has been charged off from hsbc credit card. The phone number they called my family from is XXXX.
For 17 years I keep getting calls from collection agencies about an old HSBC card. I had one card and it was closed in good standing and I have a letter that states as such. This newest company has called my XXXX parents my EXHUSBAND whom I have not been married to in 15 years, my boyfriend, my boyfriends XXXX parents and continues to call me 7 - 8 times a day. I have already expressed to them that they have incorrect information. The name on file I have not used in 14 years and the address they have is over XXXX XXXX XXXX. I have requested the cease and desist any further communication tactics and they continue to call and threaten to send a process server to my home and business.
I started getting harrassing phone calls from XXXX XXXX XXXX in XX/XX/XXXX. When I called them to see what this collection was for they told me it was for a credit card with HSBC from XXXX for over {$3000.00}, and if I didn't pay this debt they would garnish both my wages and my bank account. I requested written proof of this debt as I don't owe anything to anyone that I haven't paid and certainly not for over {$3000.00}. I haven't received any kind of written information as of XX/XX/XXXX and when I called again the lady I spoke with was threatening and used abusive language, then she hung up on me.
I am filing a complaint regarding the mishandling of my mortgage repayment process by HSBC Bank USA and their servicing partner, XXXX In XXXX of last year, XXXX scheduled repayment ( XXXX ) failed due to insufficient funds. In XXXX, I received a letter in XXXX XXXX ( letter dated XXXX XXXX and it arrived in early XXXX ) from XXXX advising me to maintain sufficient balance to avoid further action. In fact, I had already rectified the issue ( on XXXX XXXX ) before the letter arrived and, from that point onward, consistently ensured that my account held more than enough funds for all subsequent repayments. Despite this, I recently discoveredby accidentthat the servicer stopped processing my mortgage payments entirely after the failed payment in XXXX. At no point did HSBC or XXXX notify me that payments were no longer being attempted, nor did they inform me that any additional action was required on my part.…
To Whom It May Concern, I am submitting a complaint regarding the sudden closure of my accounts with HSBC Bank USA and the immediate forfeiture of my credit card reward points without prior notice. On XX/XX/year>, I suddenly lost access to my HSBC US online banking and mobile app. I did not receive any prior notice or warning indicating that my accounts were under review or at risk of closure. On XX/XX/year>, I was able to reach HSBC through an online chat session. During that conversation, the representative informed me that a final decision had already been made to close my accounts. No explanation was provided. The representative also confirmed that my credit card rewards balance of XXXX points had been immediately forfeited due to the account closure, and that there was no option available to reinstate or redeem the points. These reward points were accumulated through normal credit card spending over time.…
Formal Complaint : Failure to Return Funds for Invalid Account ( Trace ID : XXXX ) On XX/XX/year>, a transfer of {$13000.00} USD was sent to HSBC Bank USA XXXX XXXX XXXX ( Routing : XXXX ). The Facts : Mismatched Information : The transfer included a Taiwanese XXXX account number ( XXXX ), and I explicitly included the XXXX HSBC XXXX XXXX ( XXXX ) in the reference field. This clearly indicates the funds were intended for an international destination, not a domestic US account. Invalid Account : The XXXX account number provided is INVALID for HSBC USAs domestic system and does not exist in your records. The Dispute : My sending bank XXXX XXXX XXXX has initiated multiple Recall requests ( XXXX : XXXX, Partner Reference : XXXX ). However, XXXX officially informed me via email on XX/XX/XXXX that HSBC Bank USA has failed to respond to these multiple requests.…
Below is the chat history between me & HSBC : XX/XX/XXXX : My new wealth relationship manager emailed me : Please call me. I called her and over the phone she told me that the money my parents ( my father/step-mother ) transferred to me is over the limit, and she warned me that she might close my account, but weve been doing the same thing for the past XXXX years, theres never an issue, and we checked with the legal documents in XXXXXXXX., we are not over the limit at all. XXXX By Law : XXXXXXXX XXXX XXXX regulations allows one person to transfer below {$50000.00} from XXXX to the XXXX each year, so my father transferred me about {$48000.00}, and my step-mother transferred me {$46000.00} last year, so none of these exceed the limit. For your reference : on XX/XX/XXXX, my father XXXX XXXX gave me {$48000.00} as a gift ; on XX/XX/XXXX, my stepmother XXXX XXXX gave me {$46000.00} as a gift. Neither of these exceeds the limit.…
I appologize for not following all your instructions, but I have to include the name and Company details, as this is for a Company payment related issue, regarding blocked funds by the XXXX for a purchase made to a XXXX XXXX called XXXX XXXX, which is currently part of the XXXX XXXX List. Also, I want to clarify that our Company is not part of this list. It is legitimate and manufactures parts, especially for the mining industry in XXXX. This money has been retained by the XXXX for more than 2 years! Even though a license application form was submitted, also, 2 years ago, we have not heard back from the XXXX ( we assume is due to workload ) and we have communicated with other agencies : XXXX & XXXX. And the XXXX referred us to you to try and find a solution for this matter. I attached all the relevant information and please let me know if you need any further details.
On XX/XX/XXXX, XXXX XXXX was victim to XXXX fraudulent international wires preformed without us setting these wires up nor did we authorize. XXXX ) {$130000.00} XXXX ) {$130000.00} XXXX ) {$130000.00} All XXXX wires were sent to banks located in XXXX. We have never sent wires to XXXX. Once we realized that we were victims of fraudulent activity we immediately initiated recalls on these wires and notified HSBC. The first wire in the amount of XXXX was returned to us but the other XXXX wires totaling {>= $1,000,000} We have been trying since XX/XX/XXXX to get both resolve and information from HSBC which has been unsuccessful.
I am submitting this complaint regarding the sudden closure/termination of banking services on my HSBC US personal checking/savings accounts ( XXXX ) and associated credit card, without prior warning or specific reason. I fully understand that HSBC US has the right to make service decisions. However, I have maintained these accounts in full compliance with all applicable US laws and HSBC terms for the past 2 years, with no suspicious, fraudulent, or irregular activity whatsoever. This closure occurred after I updated my residential address following the sale of a property, and also after processing a batch of credit card refunds due to a change in my travel plans. The timing strongly suggests a possible misinterpretation or temporary data glitch in the banks risk control model regarding my updated information. Additionally, there remains an outstanding rewards balance on my credit card.…
I was contacted by phone on XX/XX/XXXX, and told that I owe HSBC Bank Card Services over {$1000.00}, that there is a judgment against me, and asked how I would like to settle the debt. When I asked for more information regarding the debt ( written proof, name of caller and his company 's address ), the caller listed off a bunch of store credit cards. I informed the caller that I never held any of those credit cards. I was then only given the original creditor 's information, and no other information. Upon further checking, I called back ( XXXX ) the alleged collection agency and was repeatedly given only HSBC Bank 's information, and told that was the only information I would be given. When asked for the date of the last payment, I was told the date of XXXX. When I informed the caller that nine years is past the statute of limitations in XXXX, he became hostile and hung on me.
On XX/XX/year>, I initiated an international wire transfer of XXXX USD from my USD XXXX account in XXXX, to a family member in XXXX. The funds were converted to XXXX at the time of transfer. The transfer was returned to me XXXX days later, on approximately XX/XX/year>, without any prior notification from the HSBC bank. I discovered this entirely by coincidence. Upon reviewing the returned amount, I found that XXXX USD had been deducted. The bank 's stated justification was an " FX rate difference. '' This explanation is factually incorrect. According to publicly available market data ( XXXX XXXX ), the XXXX/USD rate on XX/XX/year> was XXXX, and on XX/XX/year> it was XXXX - a real market difference of approximately XXXX percent. The bank applied a deduction equivalent to XXXX percent, which is more than XXXX times the actual market movement.…
I am filing a complaint regarding HSBC USs decision to close all of my accounts, and I respectfully request that HSBC review and reconsider this decision. I understand that HSBC has internal policies and compliance requirements, and I respect the importance of maintaining accurate customer information. However, I respectfully disagree with the characterization that I falsified my contact information and tax information, and I sincerely ask HSBC to reconsider my case based on the full circumstances and my good-faith efforts to comply. When HSBC requested additional information, I responded proactively and clearly explained my situation. At that time, I had not yet obtained a XXXX tax identification number ( XXXX TIN ). I did not fabricate or invent a XXXX tax number.…
I am in the process of suing HSBC US, please maintain all the communications regarding this bank as it maybe subject to subpoenas. Once again HSBC has failed to process abd post y direct deposit from my employer on time causing me severe financial and emotional, needless to say, health issues to the point I ended Yo in XXXX earlier today with XXXX XXXX XXXX. All medical documents are being documented and will be submitted to court. This is not the first time HSBC has failed to credit my account on a timely manner, EVERYONE IN OUR COMPANY HAS RECEIVED THEIR PAYCHECK EXCEPT me I have Recording after recording from incompetent HSBC customer service providing inaccurate information. They still have not released my direct deposit saying they don't even have it!
On XX/XX/XXXX, I had three duplicate transactions that posted to my account for XXXXXXXX XXXX each, they didn't go through on my end and received nothing from the purchase attempts. I was told these would fall off and post back to my account, they didn't, I had to file a dispute. I was given a provisional credit for each of these transactions and wasn't notified by the bank and found out by receiving a email from the company I attempted to purchase from saying they were charging me an additional {$900.00} to reclaim the charge back. A straight unauthorized fraudulent charge. I go back and dispute this now. I get a {$900.00} provisional credit and have this company blocked from charging me again. I receive a letter from HSBC, my bank saying the 3 provisional credits of XXXX XXXX total of XXXX have become permanent and I won that dispute. A day later, I make a purchase, and my remaining balance goes to XXXX XXXX XXXX gone from my account.…
On XX/XX/XXXX I contacted HSBC and requested my checking account be closed as I received a letter in the mail stating that they have new requirements to avoid a maintenance fee of {$50.00} a month. I do not meet the requirements and wanted my account closed for this reason. I contacted a HSBC agent with my request to close my account and was told that they are unable to close my account due to having {$0.00} in my global money account. They further told me that I need to transfer the amount out of the global money account, into the checking account. However, when I attempted to do so, I was unable to as the minimum amount to transfer from the global account is {$1.00}. I kindly request the agent transfer the XXXX to my checking account or send it as a check to my home address. The agent told me that they will have to ask the manager and that was the end of the first interaction. Since then I have contacted HSBC multiple times asking for an update on my request to close my account.…
On XX/XX/XXXX, I opened a credit card dispute by phone regarding a transaction with XXXX XXXX dated XX/XX/XXXX. On the same day, as instructed by HSBC, I submitted all supporting documentation ( signed contracts and full email communication with the merchant ) via email to credit-card-inquiries, referencing my dispute and my card ending in XXXX. HSBC never acknowledged receipt of this email and never requested any additional documentation. On XX/XX/XXXX, the disputed amount of {$4500.00} was provisionally reversed while under review. When I later contacted HSBC to request a balance transfer, I was informed that the dispute had been resolved in favor of the merchant. I immediately contested this outcome, explaining that the merchant had relied on false and modified documentation. HSBC stated the case would be reopened and that the dispute team would contact me. This contact never occurred. On XX/XX/XXXX, the full amount of {$4500.00} was credited back to my account.…
I have a Relationship Saving account with HSBC bank, which offers a relationship interest rate when specific qualifications are met. One of those qualifications is to spend {$500.00} or more within a month on HSBC debit card. In the morning of XX/XX/year>, I made a purchase of {$10.00}, and this amount exceeded the {$500.00} spending requirement set by the bank. HSBC is denying me the relationship rate for the month of XXXX, claiming that although the purchase was made in XXXX, the actual posting occurred in XXXX ( next business day ). As a customer, I met the requirement by spending more than {$500.00} within the month. I do not and should not control banks process. This is unfair treatment and I request that the bank reconsider its decision, and approve me for the relationship rate for the month of XXXX. I request the bank to settle this matter quickly and in my favor. Ive met the requirements, no more, no less.
XXXX offered promotion for relationship checking account opened fall of XXXX. Terms were to make XXXX $ direct deposit each month for 3 months to receive XXXX $ bonus. I did XXXX in consecutive monthly direct deposits from XXXX XXXX and I completed the final direct deposit in XXXX, and the bonus terms say the bonus would be paid XXXX weeks from last qualifying activity. This should have been paid XXXX and i contacted XXXX and they said they might not pay it for another 3 months and said expect it around XX/XX/XXXX which would be XXXX months from when i performed the final month of deposits. I don't trust them and was mislead. I want my bonus paid as it was promoted to be.
COMPLAINT : Unpaid {$500.00} Referral Bonus - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Summary of Dispute I opened an HSBC XXXX checking account under the XXXX XXXX XXXX XXXX XXXX Referral Program ( valid XX/XX/XXXX XX/XX/XXXX ). I met all qualification requirements, including inputting the Referral Code, depositing over {$75000.00} in new money within 30 days and maintaining the Total Relationship Balance. However, HSBC has failed to credit the {$500.00} bonus for over XXXX years despite multiple follow-ups. 2. Chronology & Evidence of Eligibility Program Participation ( Procedural Failure by Bank ) : I initiated the application via the referral page, requested a " Call Back '' followed by inputting the Referral Code. XX/XX/XXXX : I was contacted by XXXX XXXX XXXX ( International Client Manager ) via email ( see attached email ). XX/XX/XXXX : I completed the application under her guidance. Application ID : XXXX ( see attached approval ).…
On XX/XX/year> I filed XXXX merchant disputes on my debit card backed my Master Card, at the time of the filing, due to records of bank problems coding falsified information before, I recorded The call and notify the agent who initiated the dispute the call is being recorded for legal purposes. In reference to my question about when exactly the temporary credits are provided, he said he will contact dispute team and call me back with accurate resolution XXXX. At or about XXXXXXXX XXXX XXXX HE called back letting me know the dispute team has informed him the credit would be processed voided within " XXXX business hours '' today was marked XXXX hours and still no credit and despite my numerous attempts to find out why, I have given " run errands " and more ambiguous and inaccurate information. I be In XXXX next week and will file a law suit against this excise of bank! Please investigate this matter completely and your result will be submitted to court!
I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX representing HSBC Bank. The caller was " XXXX XXXX '' and the phone number was ( XXXX ) XXXX, a re-routed local number. The number she gave me to call was ( XXXX ) XXXXXXXX XXXX XXXX. When I returned the call, XXXX told me that my credit card opened in XXXX was XXXX XXXX and that XXXX XXXXXXXX in interest has been added over the past XXXX years. I was also informed there is a " Legal Fee '' of {$3500.00} now due. The person had my personal information, including my new personal cell phone number and address details. They claimed that I was being sued for balances owed to HSBC Bank. I asked for details and she could not provide any current details, but threatened legal action. If this is a scammer ( likely ) it needs to be investigated and shut down immediately before they take advantage of other consumers. If it really is HSBC, the call was illegal since my original small debt was XXXX in XXXX in XXXX.…
The application for an HSBC XXXX XXXX account was submitted on XX/XX/XXXXXXXX and remains pending as of XX/XX/XXXX, exceeding one month with no decision or clear timeline. The process involved four separate rounds of information requests following the initial submission. All questions were answered on the same day they were received, often within hours. Despite this, additional rounds were issued after delays, including a gap of almost ten days before the final request. Several questions overlapped across rounds. AML ( Anti Money Laundering ) and KYC ( Know Your Client ) requests were fragmented rather than consolidated. Some information had already been provided in earlier responses. Identity verification was completed twice. The initial ID verification occurred at application on XX/XX/XXXX. The same ID verification process was required again on XX/XX/XXXX.…
HSBC offered promotion for relationship checking account opened fall of XXXX. Terms were to make XXXX $ direct deposit each month for 3 months to receive XXXX $ bonus. I did XXXX in consecutive monthly direct deposits from XXXX - XXXX and I completed the final direct deposit on XX/XX/XXXX, and the bonus terms say the bonus would be paid 8 weeks from last qualifying activity. This should have been paid XX/XX/XXXX and i contacted HSBC and they said they might not pay it for another 3 months. I don't trust them and was mislead. I want my bonus paid as it was promoted to be.
I was victim of a scammer, I moved money on their advice on XXXX, I raised this with my bank HSBC on XXXX when realised it was scam, all evidence on my account, contacted fraud team at HSBC, told them whole story of event, offered evidence - this was declined as not necessary, was told it takes 5 days for HSBC to investigate, called again XXXX to update, was told waiting on reply with investigation and could take between 5-35 working days to write to me. On XXXX received letter from HSBC, dated XXXX ( day raised scam with fraud team ) saying they can't see anything wrong and won't refund my money taken. Letter sent out same day as initial phone call - where was the investigation, why was I lied to on 2nd phone call when letter had already been sent.
XXXX HSBC Bank made a processing problem and I had to get a modification on my mtg acct HSBC Bank added {$11000.00} to my acct fixed rate {$980.00}, HSBC Bank again made a processing problem XXXX I had to pay reinstatement of mtg {$10000.00} for errors HSBC made during processing my pymt / HSBC Bank would deduct amt from XX/XX/XXXX outstanding bal XXXX deduct {$10000.00}. New Principal pymt should be $ XXXX HSBC Bank never deducted {$10000.00} and added a deferred amt. I asked why and never received an answer. I called and emailed asking HSBC Bank Why? Contacted credit Karma & was informed HSBC Bank rpting false info to Credit bureaus 2pymts behind and owe {$55.00}, XXXX provided HSBC Bank my XXXX XXXX statement with pymts history XX/XX/XXXX HSBC Bank rec Foreclosure letter an asked Why you have the pymts and foreclosure for what reason/ XX/XX/XXXX rec MyHome CT XXXX {$25000.00} and HSBC Bank XXXX XXXX had to continue making mtg pymts Why?…
I sent emails with all information required on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Called and spoke to a rep and they said it would be escalated due to no response XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Called and spoke to a rep and they said it would be escalated due to no response Please see below emails. This is the XXXX attempt of trying to get my title information. Why am I getting no response? I have also called twice to escalate this and got no response. Hello, I had a loan with XXXX in XXXX for a XXXX XXXX XXXX and never received a title once my loan was satisfied. Would it be possible to get the title or at least a lien release so I can apply for a duplicate? Sent emails to XXXX with no response Fell free to call me or email if you require any further information Thanks, XXXX
I TRULY HATE THIS BANK THISXX/XX/XXXX SHOULD NOT BE ALLOWED TO OPERATE IN US. They updated their app and I can Not access my account now I been On the phone on a recorded call XX/XX/XXXX times with these XX/XX/XXXX I have So many problems with this bank including not recording direct deposit XX/XX/XXXXon time, accessing apps, filing disputes. I have Every intention to sue this bank as soon as I am Back to the United States in XXXX
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