HSBC NORTH AMERICA HOLDINGS INC

2016-09-19

Nyc, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-19

Lewiston, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-19

Chester, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-19

Austin, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-19

Grayland, WA

Payment to acct not credited

Payday loan:

Complaint: I have banked with HSBC since 1989. Over the years they have sent me " convenience checks '' for my credit card with marketing blurb about them being as convenient as cash etc. I used one for the first time XX/XX/XXXX for {$1800.00}. I did n't read the small print about having to pay the amount off in 10 days so suddenly got charges. That is fair enough. My mistake. Since then though, I have more than paid off that amount and have made other purchase but I am still getting charges. I called and managed to get them to admit that they pay off all other charges first. In other words, they have put that check to the bottom of the pile and put my payments toward the balance I had on the card before writing the check AND purchases made on the card since writing the check. I do n't think that is fair. If I borrow {$5.00} from a friend one week and then {$5.00} from a different friend the week after, I think it is fair and reasonable to pay of the older debt first. Also they have raised the percentage rate across the board. As well as paying a higher percentage ( 25 % ) on the {$1800.00} for using their " Convenience check '', my rate for my previous balance has jumped from 13 % to 25 % and all subsequent charges are also at 25 %. This seems like a double whammy. I feel like I would have been better off going to a payday loan and keeping that cash advance as a separate transaction and I am being penalized for being a loyal customer.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-19

NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My husband and I filed a Chapter XXXX XX/XX/XXXX-the bankruptcy was paid in full and closed XX/XX/XXXX. HSBC-XXXX/Mortgage services has been over my mortgage since XX/XX/XXXX when my house was purchased. According to the credit reports on file-XXXX, XXXX and XXXX, my mortgage has been paid in full. I have been paying my mortgage each month with no response from HSBC. I have not received any statements showing they have been receiving the money or any statement indicating this account has been paid in full. Please let me know if you can help me get my mortgage information from HSBC. The address for the bank where I have been sending my payments is : HSBC Mortgage Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX my Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-16

Manchester, CT

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

NY

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: HSBC Mortgage Corp. has failed and refused to send me monthly mortgage loan statements for a year, despite repeated requests that such statements be provided to me, and legal requirements under TILA and other statutes that such statements be provided.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-09-16

Chicago, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

South Point, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

Hamburg, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: 1. On XXXX/XXXX/16, I called HSBC for a payoff balance on my Select Credit Account and paid it off on XX/XX/XXXX. Because HSBC moved out of NYS, this account was closed years ago. 2. Over the years, I 've set up automatic payments, twice a month, to pay it off as quickly as possible, more than doubling the payment. On XXXX/XXXX/16, I was in a position to finally pay the balance off and stop the automatic payments. XXXX told me the payoff was {$560.00}. So, I paid it off, repeatedly I asked her to make sure the auto payments discontinued, and requested a letter stating the account was paid in full. XXXX told me my statement would say it, but I insisted on a letter. She agreed. The confirmation # she gave me is : XXXX. ( See HSBC Item 1a/1b. ) 3. On XXXX/XXXX/16, I called back because the letter I received did not say my account was paid in full, but that it was closed. I spoke with XXXX. I explained I received the wrong letter and that I wanted a " paid in full '' letter. ( See HSBC Item 2. ) XXXX went on to explain there was a {$63.00} credit on the account. I put 2 and 2 together, checked my bank account online while still on the phone with HSBC and discovered they took {$60.00} out of my checking account with XXXX XXXX XXXX on XX/XX/XXXX. I told her I wanted my {$60.00} back and I did n't know what the {$3.00} was. She told me they had to investigate. HOWEVER, I told her if she can SEE there is a CREDIT on the account, there is no reason for investigation because SHE told me they owed ME. Everything I said fell on deaf ears. Long story short, XXXX promised to expedite and monitor my refund request. She told me it maybe 3 to 5 days before I get a check and then she will send me a " paid in full '' letter. Confirmation # XXXX. 4. On XXXX/XXXX/16, I received a statement from HSBC and NO CHECK, but the payment date they took the unauthorized {$60.00} out of my account was XXXX/XXXX/16! ( See HSBC Item 3a/3b. ) The statement states that they owe ME {$59.00} and interest charged {$3.00}. So I waited and waited for a check until XX/XX/XXXX. I called them back and spoke to XXXX. I went through the entire nightmare with her. I waited 45 minutes on hold, before I even got a rep to talk to. A very long story short, she claimed that her supervisor told her that it will be 3 weeks on Wednesday, XX/XX/XXXX, and that the request was processed and the check is in the mail. I was furious! They made me wait 3 weeks + 1 week since I paid it off, even though THEY MADE THE MISTAKE AND TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION. XXXX swore I 'd get my money and told me to hang on, it will be in the mail this Wednesday. Confirmation # XXXX. 5. Today is Friday, XXXX/XXXX/16 and as of yet, I have not received my money. I tried calling, but their phone system keeps hanging up on me. Today I decided I 've had enough. Holding my money for OVER A MONTH is no excuse. I want my money back and my letter stating I 've paid in full and that I 'm in good standing with the bank. This is THEIR MISTAKE, NOT MINE. If they think I 'm going away, I 'm not. AND one last thing. To TOP IT OFF, XXXX had the nerve to ask me if I actually ASKED XXXX to cancel the automatic payments!! I told her I repeated myself and that SHE XXXX, not me. And asked her WHY ON EARTH would I allow the bank to take money from my checking account to pay on an account that is no only closed, but as of XX/XX/XXXX had a XXXX BALANCE??!! In a round about way, she agreed. But what kills me is that they WERE TRYING TO PUT THE BLAME ON ME!!! The are thieves. I have a question for you that they could NOT answer. How could they charge {$3.00} on an account that had a XXXX balance? How? Why did they show - {$59.00} and not - {$60.00} on the statement they sent? Did they think I 'd give them 1 cent. No way! Please throw the book at them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Berkeley, NJ

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Blackburn, NC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Gainesville, VA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Middletown, DE

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have a complaint opened, XXXX. I can not update this one so I am submitting another. I just got my statement from HSBC. My payment, with ESCROW is XXXX. I submitted a payment of {$1000.00}. They posted a double payment with interest and ESCROW, then extra principle. All extra monies should be applied to PRINCIPLE. HSBC keeps doing this and it is like fighting a brick wall. They produced multiple statements with different balances for the month of XXXX. They are making this very difficult. I do not know if they just do n't know what their doing or they are doing it on purpose to wear me down. I am sick and tired of this and would like cfpa to take a harsher stand for me. It has been going on since XXXX of 2016 since the complaint and the ESCROW misdirect has been going on for years that I have been fighting with them. I have attached statements, getting 2-3 a month over last 2 months. Different numbers that do not make sense. The most current is a blatant incorrect posting of my extra payment. Also, instead of show 2 entries
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-14

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-09-14

Colo Spgs, CO

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Penn Yan, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-13

Grand Island, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Coral Springs, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-13

E Massapequa, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-13

NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: We received a letter today from Household Finance Realty stating they were going to take more money from our bank account because we have n't paid our taxes or insurance on our property.We always pay our own taxes and insurance on our property, This company has no reason to even take money other than the XXXX per week for our mortgage.When we refinced with them years ago they told us that if we paid weekly that our loan would be pd off in seven years so that is whar we did, we thought that was the best thing to do so when we got ready to retire we would have the loan pd off.When the seven years came about they were still taking money from our account so we called them and they said that was not the way it was suppose to be.Now they tell us we still owe XXXX on this loan and they are going to take XXXX more from the payment every week because we were late on our XXXX tax and did n't pay our school tax.We call our local off and we pd our XXXX tax XXXX XXXX and we do not pay a school tax because of the star program.We contacted our insurance company and we have always pd our insurance on time.I told this company that they do not have our permission to take anymore money out of our account, thsi company should not be in business, there have been thousands of complaints about them always saying everybody owes them more money, The government has to close this business up, so they cant take advantage of anymore people.We are contacting a lawyer to see why they are still in business even after the XXXX has had thousands of complaints.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Hudson, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: XXXX XXXX : XXXX XXXX XXXX XXXX approved a loan for $ [email protected] % for 180 months with a payment of {$960.00} a month. XXXX XXXX : Household Finance Corporation/HSBC purchased the loan At the time, my mom 's income was from XXXX and a small VA pension from my late father and totaled XXXX a month ( we have proof ). Can send copies of the checks if needed. We firmly believe this was an illegal and predatory loan. We are currently fighting foreclosure ( court date XXXX XXXX ). In XX/XX/XXXX, my wife and I, along with my mother, had the deed changed to a " Right of Survivorship '' deed. When she died, the house became ours. We have jumped through all their hoops only to be repeatedly lied to about getting the loan modified. Finally we were told that there would never be a modification b/c we are not on the loan.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Gordon Heights, NY

Credit decision / Underwriting

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-12

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response