HSBC NORTH AMERICA HOLDINGS INC

2016-09-27

Aiken, SC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Warrenton, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-27

Bronx, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-27

Billerica, MA

Balance transfer

Credit card:

Complaint: I requested HSBC XXXX bank to transfer a balance to my other credit card at XXXX, to pay my outstanding balance there. This was in XXXX, HSBC did sent a check to XXXX, on XXXX/XXXX/2016, with the wrong account and without my name. The check was never cashed by XXXX ( By HSBC own admission ) but yet that amount has been added to my HSBC balance since XXXX/XXXX/2016, together with a hefty transfer fee, though I never benefited from that transfer. I have call XXXX banks and specially HSBC a number of times, did n't get anywhere until I twitter about it and though then I was put in touch with a CSR, they then told me on that call that they will fix it, just to call me the next day saying they are refusing to take the amount of the transfer off my account though their check was never cashed!!!! So now I am carrying the same balance at the XXXX bank!!!!! This is NOT XXXX fault.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

Colts Neck, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-26

Chestnut Rdg, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-25

Katonah, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: When I struggled to stay in my home in 2010, my primary mortgage holder HSBC was almost impossible to deal with. In the end, I believe all I received was 10 years added to the length of the mortgage and I was not given a low interest which would have been of more assistance. I was also not informed that I may have a looming HELOC crisis on my second mortgage. I feel I have been misled by HSBC and defrauded by XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-24

Dunnellon, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-23

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: With only 11 days prior to my next mortgage payment due date on XXXX XXXX, I receive a letter from HSBC, stating that my mortgage will no longer be serviced by " HSBC '' but will now be serviced by XXXX XXXX XXXX. Concerns listed below : 1 ) The letter warns that the mortgage loan number will change but it does not provide the new mortgage number. 2 ) The letter also instructs me to make a payment via mail to XXXX XXXX XXXX by XXXX XXXX. 3 ) The letter states that I should update my bill payment payee but my bank requires an account number and no account number is provided. 4 ) Since a loan number is not provided how will the moneys be credited to my mortgage if I do mail in a payment to XXXX XXXX? 5 ) The letter states that HSBC will not accept payments and if any are received they will be forwarded to XXXX through XXXX 2016. How and where will I see that the moneys have been credited in a timely fashion? 6 ) When exactly will the new mortgage loan number be issued? 7 ) Recently I received an escrow analyses from HSBC asking me for additional moneys to cover a shortage in my escrow account. This particular letter lists an option for paying the difference in XXXX lump sum or by having it spread over the 12 months of payments which is my preferred option. Why does my current statement bill me for an extra {$540.00} and refers to this amount of {$3000.00} as the " regular monthly payment ''? ACCORDING TO THE ESCROW ANALYSES THE REGULAR MONTHLY PAYMENT IS {$2500.00}. 8 ) Lastly, I 'd like a current amortized statement inclusive of all payments sent to HSBC since the mortgage service changed hands to XXXX and indicating how many outstanding payments remain. Given the poor ratings XXXX receives on all consumer websites I am very concerned about this change. The number one complaint is that payments are not accepted because XXXX does not recognize the account numbers. What are my options and why is this change taking place without sufficient notice? Eleven days for a change of this magnitude is not sufficient time. Frankly the suddenness of this whole change is rather predatory. I requested from HSBC to revise the regular monthly payment to what was shown on the escrow analyses in the amount of {$2500.00} rather than the {$3000.00} shown on the XXXX XXXX statement which is incorrect. I spoke an HSBC representative who assured me the payments would be adjusted but I have not received a new statement to reflect this and I also have not received the letter from Nationstar informing me of the new account number.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-09-23

San Jose, CA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Dear Sir, On Friday, XX/XX/XXXX my wallet ( CCard, debit card & XXXX DL ) was stolen and subsequently money was taken out of my chequing account via debit card purchases at XXXX & XXXX ( over {$2600.00} in total ). Police reports were made to the XXXX XXXX Police Dept ( city where wallet was stolen ), and to XXXX XXXX Police Dept ( city where the frauds occurred ). Videos of the person ( s ) using the cards are available at the respective stores but will not be released to me, awaiting PDs collection, On Monday XX/XX/XXXX, I realized the Debit Card was frauded ( debit card used fraudulently on XX/XX/XXXX ) when I checked my account and immediately reported it to HSBC Fraud Dept. Note that I was immediately informed of a fraud situation by HSBC for my stolen Credit Card on XX/XX/XXXX itself, but could not stop the transaction of over {$810.00} on the Credit Card. A transaction of {$820.00} on the credit card was stopped however at about the same time. That said, I was not informed of the debit card situation on the XX/XX/XXXX by HSBC, which was frauded within about a 30 mins timeframe from the Credit Card. I have been working with HSBC Fraud Department ( contact as below ), primarily with XXXX XXXX, since XX/XX/XXXX. Since then, I have provided HSBC Fraud Dept with both the police reports, and have had numerous conversations with their CS Fraud Reps, and with XXXX ( over 5 calls, possibly more ). They have records of the conversations in their CS logs. Many excuses were raised as to why they are not moving on the case and refunding me the money on this case, the bottom line after many conversations, they are waiting for the PDs to " do something '' with the case - unfortunately, it seems like the PDs are ignoring this case and are not investigating for whatever reasons. I am stuck between the PDs and a huge bank that does not seem to care to want to take care of the fraud situation but is sitting on the case, seemingly to wait for the time to expire. I would appreciate it if you can help as I do not have any more data to provide HSBC as to my innocence - unless I am lying in the police reports, which I am not, and the videos should demonstrate that, I do not see what else I can do on my end, with both the PDs and HSBC. The contact/address for HSBC is as follows : HSBC BANK USA Fraud Claims & Recovery XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX ( apparently if you hold on, you can get to an operator ) Investigator worked with : XXXX XXXX ( XXXX I am attaching the police reports with all the relevant details accordingly in the reports and supplemental report. Thank you for your help!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-23

East Elmhurst, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Martinsville, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Bel Alton, MD

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-22

N San Juan, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

NJ

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: this is the fourth complaint about this company they sent us a letter stating they sent our information to wrong adress now they want us to get identity theft protection it is bad enough they are runing our credit now our safety. something must be done to protect us from all these fraudulent things they are doing i am trying to get a lawyer to help us. this is consumer protection please help us stop all the harm that is being done to us we are senior
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-22

MA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: We took out a XXXX balloon equity mortgage which was due to mature in XXXX. We paid interest only and the principle was due upon maturity. According to the contract, HFC ( XXXX Beneficial Finance ) was to send us notice 90-days prior to maturity. While we never received that, we thought, maybe it was a XXXX loan which would mature at the same time as our first mortgage, but never questioned it. We were tricked into paying this for an additional 6 years because we were consistently being billed. When they contacted us for the principal, in XXXX of XXXX, they informed us we had until XXXX, XXXX to pay it. ( Thus the XXXX notice. ) I was able to locate all of the original documents at which time, I noticed it should 've been called in by the company in XXXX, XXXX! I want all of my overpayments refunded to me! That was 6 years in interest charges. It amounts to almost {$40000.00}!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Chicago, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-21

Grand Prairie, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Long Island City, NY

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: On XXXX/XXXX/2016 I noticed a pending charge of {$200.00} dollars, but my bank does n't tell me exactly what the charge is until it clears. My bank is HSBC. On XXXX/XXXX/16 I saw that my account had been charged for {$210.00} to a restaurant in XXXX that I never went to. I reported the fraud to my bank and they told me to wait for a Fraud Claim Form. Two weeks later on XXXX/XXXX/16 I received a letter from my bank telling me that they have proof the transaction was authorized and they would not be reimbursing the money. I also received a different letter including the Fraud Claim Report. In confusion, I contacted the fraud department. I asked for the proof and they claimed that my physical card was used at the restaurant. They never provided me actual proof. I asked to speak to a supervisor and was told I 'd be called back. I never received the call. This whole process I have been made to feel like I am the guilty party. They told me I needed to file a police report in order to proceed further. However, they never told me that I needed a signed affidavit from the bank along with other paperwork. I had to go back and forth to acquire these forms including taking a whole day off of work. I did file a police report. Then on XXXX/XXXX/2016 I received a letter from the bank saying they would reimburse me. When I called the fraud department to clarify they told me a different department sent that letter and it was n't valid. I live pay check to pay check and this missing money has put me in financial strain. I submitted the police report to the bank and since then have heard nothing from the bank or any sort of time line as to when this would be solved. I do not appreciate being made to feel guilty, especially when there is no physical proof provided. They have rushed me to provide evidence of my innocence and yet made no attempt to prove I actually used the card.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-21

Nyc, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received a call in XXXX from HSBC collection regarding a charge I did not make. I have not used this card for over a year and it has a zero balance. There is an unauthorized charge on the card and I reported this to the HSBC Fraud division. I have a notice from HSBC dated XXXX XXXX, 2016 informing me of a data breach and the charge took place XXXX XXXX, 2016. HSBC security is denying my claim based on the charge taking place within 20 miles of my home. It is unclear to me what distance has to do with fraud. They have requested a police report to re-open their investigation, I filed and received the report that was submitted to HSBC. They continue to deny my claim. This is XXXX unprofessional and fraudulent on the part of HSBC in protecting my data and financial interests. I have requested they dismiss the charge, interest and penalty and they continue to refuse.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-21

Hamburg, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: On Monday, XX/XX/XXXX, I rec 'd a notice from XXXX XXXX, XXXX, Senior VP, HSBC/XXXX. XXXX XXXX XXXX ( postmarked XX/XX/XXXX ) indicating that HSBC was changing my mortgage home loan servicer. They further indicated that " HSBC '' will stop accepting payments on XX/XX/2016, and that XX/XX/XXXX payments should be sent to XXXX XXXX, XXXX XXXX XXXX While the notice stated that " The most important thing that will change are your mortgage home loan number and where to send ... monthly payments, '' no new loan number was provided. XXXX has NOT sent out a new XX/XX/XXXX statement. I consider this very shoddy -- not to mention abrupt.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-20

Chelsea, MA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-20

Atlanta, GA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-20

Naples, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-20

E Rockland Key, FL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response