HSBC NORTH AMERICA HOLDINGS INC

2016-08-13

IN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX XXXX I am recently divorced, without a Divorce Settlement, at the present time. Divorce has been dragging on for XXXX XXXX years. The Mortgage Company, for the jointly owned residence has been less than fair and have failed miserably to their own privacy laws. They have let my ex-husband call in and change the mailing address for mortgage account information 3 times, in which they rang pre-arranged payments, made by myself, who lives at residence, in my ex-husbands name on an account he has never been on. My personal checking account. They then sent him letters, with my banking information on them, at his new address, with his new girlfriend. The payments that were sent through in his name where sent back, as stop payment. I had to pay XXXX dollars more each payment, because of that, which was their fault. I have already went through the loan modification process with the Mortgage Company and ended up owing XXXX dollars more a month, now another XXXX dollars to that. Where did that help? Since my ex-husband has messed with account information. There has been a court ordered Protection Order set into effect, on him. The Mortgage Company has been notified, notified, notified and notified about the situation and that I reside at residence and my personal financial information, is my privacy. Since my banking information was given out to my ex-husband, I felt I needed to set up new accounts, for doing my personal financial business. The mortgage Company was sending payments thru on unauthorized dates, on the account that was compromised, by the mortgage company. Have experienced overdraft fees and stop payment fees, because of their actions. I did n't even know if my other monthly bills would be sent back, because of the mortgage companies action, because of their unfair methods of doing business. I called mortgage company and tried to give them my new banking information, but they refused to take it and now need a letter, giving them permission to send payments through on new account, that I felt had to be done to protect my personal finances. Why would I be contacting them and try to set up payments, only to be refused and oh now you owe more money, because of their way of conducting business. No one should have to put up with this, from any company and especially the unlawful practices, from these companies ... ... ... ... ... ....
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Bissell, CT

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

LA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: A few years ago I started getting phone calls and a monthly bill from XXXX XXXX XXXX XXXX, XXXX. I asked the person who called me, who was the creditor, and they could not verify my questions. The original creditor is HSBC BANK NEVADA , N.A . They are telling me they can sue me and turn me into the credit reporting agencies. I 'm confused because I am paying my student loans monthly to the department of education. I did send in a payment a couple years ago. It never got taken off my balance nor did I get a receipt for it. So I have not sent any more money to them. They have pre-approved me for a discount in this letter. Their are XXXX different company names on this letter. I sick of them sending me letters and calling my home phone number. I feel like they are not who they say they are and I feel like I 'm being harassed by them.I honestly think these are not the right creditors and they are trying to scam me out of more money. I do have some unidentified things on my credit report and that is how I came to your site and seen you guys were investigating this company
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Orlando, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Eloise, FL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Oakland, CA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Columbia, MO

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Phila, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: XXXX/HSBC BANK refuse to delete an outdated, incorrect account associated with a divorce dispute from my various credit files which has had a {$0.00} balance as of 2010.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-11

Kensington, MD

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: XXXX XXXX XXXX is attempting to collect a debt for XXXX originally from HSBC that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been first delinquent in XXXX 2008. This places the debt outside the 6 year statute to be collected on, and past the 7 year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Discovery Bay, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: Listed XXXX XXXX, XXXX, original debtor : HSBC, listed as open account, charged off by original.debtor,, last pd XXXX. Different C/R removal dates.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Bloomington, MN

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Complaint: I am writing to you about an account that XXXX XXXX XXXX XXXX which they purchased from another company called XXXX XXXX XXXX ( Preditory Lending ). My account has been written off by the vendor for over 7 years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX4 times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX MN and also my congress person XXXX about this matter. I already tried talking to XXXX of their representatives about this matter, but all he did was yell at me and also treated me like garbage.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

GA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XXXX/XXXX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I Request : -Proof that XXXX XXXX Owns the debt/ debt has been assigned. -Copy of Statements from original creditor, HSBC . -Copy of Original signed loan agreement/ credit card application. Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places XXXX XXXX in a positon to be fined and sued. Finally, I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Allenwood, NJ

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

N White Plains, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

N White Plains, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

SC

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Banking error by hsbc led to a invalid debt being prosecuted by a debt collection person that used profanity, threatening remarks towards my wife, and brothers and family. Disparaging remarks about my service to the nation when I was XXXX by a XXXX while serving XXXX. Threatening court actions and promises XXXX. Phone number of said debt collection agency is XXXX this person has made the statement that he would come to my house personally and do harm to me.,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Rncho Domingz, CA

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Complaint: I just was made aware of the CFPB 's Consent Order against XXXX ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by XXXX in the amount of {$3600.00}. XXXX did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by XXXX along with my XXXX credit report showing negative action from XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

Gloucester City, NJ

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Complaint: XXXX njXXXX XXXX. sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Cooper, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-08

AL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I paid off my loan with HSBC in XX/XX/XXXX. I 'm in the process of refinancing and they still have not released the proper book and page number. I notified them of the same in writing on XXXX and again on XXXX. They said they never received the first letter, but after speaking with them on XXXX, they said the release was recorded on XXXX. Not sure how they somehow just decided to record a release on the mortgage when they said they had never received my correspondence on XXXX and it was the same release they originally recorded with the incorrect book and page number. Have talked to them over several occasions and they still have not released the proper book and page number per my attorney. They were sent a copy of the paid mortgage listing the correct book and page number. This has caused me damges, time and money. What recourse do we have to obtain that release before interest rate rise again. My banker recommended that we file the compliant with the CFPB. There should be LARGE penalities for companies that cause these problems and headaches.
Company Response: Closed with explanation

Disputed: No Timely Response