HSBC/RS is the retail services division for HSBC Bank. HSBC's retail services division issues and services credit cards for retailers like Best Buy, CompUSA, Costo, Bon-Ton, Neiman Marcus, Honda, Helzberg Diamonds, Sony, Yamaha, Saks Fifth Avenue, etc. HSBC stands for HongKong and Shanghai Banking Corporation and RS for Retail Services. Thus, if you applied for any of the above retail cards, HSBC/RS may end up on your credit report.
How to handle HSBC/RS reporting
The first step in dealing with a HSBC/RS listing on your credit report is determining whether you have a card backed by HSBC. Because HSBC is the world's largest issuer of Visa and Mastercards, you may have a card that was issued by HSBC/RS and not even know it. If you are unsure whether a card is backed by HSBC, you can look up the retailer online or call the customer service number on your statement or on the back of the card.
If you find out that you do have a HSBC/RS backed credit card, the next thing to do is check your state's Statute of Limitations (SOL) for delinquent credit accounts. If the SOL has expired, HSBC can no longer sue you for the debt, though they may pursue any out-of-court collection action. In that case, you need to send HSBC an "Expired SOL" letter, so that the company knows you are aware of your rights. Regardless of whether the SOL has expired, you need to contact HSBC's collections department and negotiate a payment plan or a settlement, and a Pay for delete agreement (PFD). A PFD agreement will remove the listing from your account once it has been repaid. If the collections department will not agree to remove the listing, then try and get them to agree to change the listing to "Paid" or "Paid in Full". If you are unable to get a PFD, then any charge-off will remain on your credit report for 7 years.
In the unlikely event HSBC has charged-off the account and has assigned it to a third party collection agency for collection, then you may be able to get the account transferred back to HSBC's collections department. In this case, you may be able to get HSBC to agree to a Pay for Delete settlement.
If you are unsure whether you owe any money to HSBC, then you need to send them a Debt Validation letter via fax or certified mail. If HSBC has sold it to a third party collection agency, then you need to send a Debt Verification letter to the collection agency. If neither HSBC nor the third party collection agency responds, then you need to dispute the item with the credit bureau that reported the item along with a copy of the verification/validation letter.
HSBC/RS address and phone numbers
HSBC World Headquarters is located in London and and has numerous satellite headquarters all over the world. In the U.S, HSBC is headquartered in New York City (452 Fifth Avenue, New York, NY 10018).
Some other addresses:
- HSBC Bank USA, N.A.
P.O. Box 2013
Buffalo, NY 14240
- HSBC Retail Service (HSBC RS)
90 Christiana Road,
New Castle, DE 19720
Phone numbers for HSBC/RS:
- (800) 365-6538
- (800)-537-9698
- (813) 571-8998
- (302) 327-2000
account that HSbC Bank
I had an account that went to collection. How do I inquire to make payment on it.
Collection LHR
I paid a settlement last year base on HSBC and I notice one credit card continue in collection. Can you provide me with your collection department? I need a good number to follow up for this be fix.
Past due credit
Carol:
I am calling in reference to a past due credit debt that I would like to get resolved for my brother, Jeffrey Ervin. I am now in charge of his accounts in an effort to get them resolved so he does not have to file bankruptcy. His SS is xxx-xx-4662. A third party collection agency has contacted us regarding a past due amount of over 3000.00 that is owed to you.
His credit card number was 5480-4200-2394-1956 He reports that this card was closed in 2004. I am just trying to get this debt paid without going through a collection agency to get this settled prior to him filing for bankruptcy. What can you do to help me get this settled. I can provide you all information needed. He has tried to add me to the account in order to take care of this but no one can find his account in order to make that happen. What would you suggest?
Suzanne Bowling
270-577-3012
Want to pay off old debt
Hello Carol my name is William Gehring. I have an outstanding balance of $540 from an unpaid credit card.I would like to pay that off and get it removed from my credit reportMaybe you can help or point me in the right direction.Thank you.My phone number is 786-343-2522 and my email is wgehring1980@gmail.com
SOL expired
I currently have past the SOL on all the delinquent accounts that I had on my credit report. All collections have been removed from my credit report. I have $0 debt on my credit report. Just recieved a call from someone at HSBC saying they were attempting to collect a debt regarding a mastercard account from 2008 and a Lowes account from around the same time. I am confused as to why they would be calling me and asking questions about an account that has been charged off and collections removed..
UNPAID CREDIT CARD
i WOULD LIKE TO CLEAR UP A DEPT DATING BACK TO 2007, PLEASE ADVISE AS WHAT STEPS THAT i NEED TO TAKE.
stolen collateral on delinquent loan
i have a family member incarcerated for five years. i have been notified that the motorcycle that is financed may be located.
what do should i do.
past due balance
both my HSBC accounts (mastercard and visa) are past due by four years and have affected my credit rating...I now have the cash available to pay both, but I don't have any current account numbers. Please provide the information I need to pay these off now. Sandra Sperance
Best buy credit card debt
I would like to call to best buy credit card collection department, regarding my debt. what is the correct number to call
Need information [help] please
I married a lady from Peru,I had found out years after that she was still married to someone in Peru which happens to be a stock broker,This woman has 2 S S cards 2 d o b cert, And 16 credit cards,4 of cards got put into my name.Im going thur old paper work,and the bank statenent states her making a payment of $50.00 to HSBC RS Acct#000000378136473 Her Name Giovannina Saenz-She took alot of money from me,We married in Kissisimme,Fl but lived in Orlando,She is missing.Question how can i find out the balance etc?
HSBC BANK NEVADA NA
Yes I have a question I apply for home mortgage and they told me I have judgement on my credit report which I don't see it than they send me different website to sign in and I saw HSBC bank Nevada na there is no number just filed date 1/1/2011 my name and bank name and how much it's is which $4773. I don't know how I got that I don't know what I did wrong I just don't remember how can I remove this judgement on my credit report please help .
HSBC BANK NEVADA NA
Yes I have a question I apply for home mortgage and they told me I have judgement on my credit report which I don't see it than they send me different website to sign in and I saw HSBC bank Nevada na there is no number just filed date 1/1/2011 my name and bank name and how much it's is which $4773. I don't know how I got that I don't know what I did wrong I just don't remember how can I remove this judgement on my credit report please help .
HSBC BANK NEVADA NA
Yes I have a question I apply for home mortgage and they told me I have judgement on my credit report which I don't see it than they send me different website to sign in and I saw HSBC bank Nevada na there is no number just filed date 1/1/2011 my name and bank name and how much it's is which $4773. I don't know how I got that I don't know what I did wrong I just don't remember how can I remove this judgement on my credit report please help .
Item added to collections and placed on credit report
I just got a notice that there was a collection added to my CR from Baptist Hospital which was turned over to yall. I have filed ch 13 bankruptcy and this account was included. So, please remove this from my CR and out of collections. I'd like to do this without my attorney getting involved. However, if nothing is done I will turn it to my attorney.
Debt. 1801
Would like to know the address where the debt can be paid
HSBC
HSBC is on my credit report as delinquent, I have no knowledge of who they are and why it is on my report. I have applied for a credit card from any of the companies in your article.
Payment Address
I would like to get the payment address to send a payment for something that is in collections
PAID DEBT
DEAR MADAM,
I PAID ALL MY CREDIT CARD DEBT THROUGH COLLECTION AGNCY BUT STILLL MY CREDIT REPORT SHOWS OUTSTANDING BALANCE. CAN YOU GIVE ME HSBC CREDIT BUREAU CONTACT NO. & ADDRSS SO I CAN SEND ZERO BALANCE LETTER COPY OF COLLECTION AGENCY SO MY CREDIT REPORT WILL BE UPDATED AS I AM APPLY HOME LOAN THROUGH HSBC . PLEASE HELP ME I PAID OF ON 05/31/2017 BUT STILL NOT UPDATED MY CREDIT SCORE. MY E-MAIL IS pikalu60_63@yahoo.com.
Best Regards,
Ilesh Kadakia
old future shop account in canada
trying to pay a settlement on an old future shop account
can you help?
Account
I have never had a credit card with y'all i think that my ex-wife must have had several credit cards in my name without my permission. I don't think that i need to pay for her actions. The bills i keep getting the account number is 5408010025364726. I hope you can take care of this for me.
credit card
gupm po,i need help,settle qn po ung payment ko po,kxo nsa collecting agency na po!! san po kaya aq pwde mgpayment
hasbc retail services
I purchased a TV by monthly payment from Best Buy on 07/04/2007. The limit was $1146.00 exactly as the price of TV.
This information reflected on my credit report as an open account.
Would you mind to guide me how I can close this account?
account closure
I purchased a TV by monthly payment from Best Buy on 07/04/2007. The limit was $1146.00 exactly as the price of TV.
This information reflected on my credit report as an open account.
Would you mind to guide me how I can close this account?
ask ko lang paano yun kaya d me naka bayad late kasi dumating ang bill.akala kb wal charged kung mlate payment noon nag apply ako kaya nag palit ako card.
ask ko lang paano yun kaya d me naka bayad late kasi dumating ang bill.akala kb wal charged kung mlate payment noon nag apply ako kaya nag palit ako card.
Collections debt
I'm intrested in settling my debt I received a letter about a year or so ago and I'm not sure were or the amount to pay
Credit fix
Just received my revised credit update and my credit score shot up 200points from 592 the anonymous credit repairer really did a phenomenal job, and i truly don't know how they do it. You can email him though at Creditrepairdesk@gmail.com
What if it doesn't appear on your credit report
HSBC retail service
Hi,
i have a HSBC Retail Services account showing up on my credit report and i no longer nave any access to this. how do i get it closed.
Lien release
Hi. I have a Motorcycle Title that has an HSBC lien on it. I have been through a lot of avenues trying to get a copy of the lien release. Can you help?
Credit Repair
I never knew hackers could improve a low credit score until I met one on a discussion forum when I Google how to improve my credit score, I read several reviews on how good and reliable 760PLUS CREDIT SCORE is in solving issues that has to do with credit reports. I emailed them and asked if they can raise credit score (all 3 major credit bureaus) and also delete evictions in 10 working days? They replied yes and asked me for some personal info to enable them hack through my profile. I gave everything they needed to get started with the job, last week Saturday my score was increased from 410 to 800. Contact him via: 760PLUSCREDITSCORE@GMAIL.COM or text 1(304) -774-5902. Ensure you recommend him to others as I have done the moment your credit is fixed completely.
PAY OFF OLD CARD BALANCE
WHAT IS MY BALANCE I WANT TO OPAY YOU OFF I KNOW I HAVE BEEN MAKING PAYMENTS TO (PORTFOLIO) RECOVERY BUT CAN NOT GET A BALANCE PLEASE EMAIL ME AT steve.visk@gmail.com
collection
how do i get in contact with someone and make payment
HSBC Charge Off from 2010
How do I work with them to remove the lien. My financial situation is better now, but I'm retired and on a fixed income. They haven't contacted me since 2012. I"m still living in my house and there are no notices of foreclosure. Should I just leave things alone? I owe a second mortgage of about $150,000 to them. California.
HSBC COLLECTIONS ON CREDIT REPORT
BUYING HOUSE 2021 OWE HSBC 1660 IF HSBC WON'T GIVE ME A PAY FOR DELETE SHOULD I STILL PAY IT OFF OR WHEN I PAY IT OFF WILL IT HURT MY CREDIT SCORE FOR NEXT YEAR THANK YOU PLEASE REPLY
HSBC COLLECTIONS ON CREDIT REPORT
BUYING HOUSE 2021 OWE HSBC 1660 IF HSBC WON'T GIVE ME A PAY FOR DELETE SHOULD I STILL PAY IT OFF OR WHEN I PAY IT OFF WILL IT HURT MY CREDIT SCORE FOR NEXT YEAR THANK YOU PLEASE REPLY