HSBC NORTH AMERICA HOLDINGS INC

2016-08-08

Apple Valley, MN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-06

Cols, GA

Taking/threatening an illegal action

Debt collection: Mortgage

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-05

TX

Other

Credit card:

Complaint: HSBC continues to report negative information on my credit report that is over 7 years old. I have XXXX accounts with HSBC that are currently reporting as charge-offs. This information is over 7 years old. I called this to HSBCs attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from HSBC stating that as a customer courtesy they had made the decision to delete the tradelines reporting. That the accounts would no longer be reporting. Since XXXX XXXX HSBC has reported XXXX times to the credit burea and continues to report as charged-off. They reported it XXXX XXXX as a charge off.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-05

Gretna, LA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: One time my husband XXXX and we applied for a hardship but HFC kept asking for the same information over and over and still came back and told us they did n't have enough information. Now I 'm trying for a hardship again and I have faxed my income, mailed my income, and in the process of mailing the income again. They claim they did n't receive the fax, then they say they ca n't read the information I mailed. It 's always one excuse after another.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Conyers, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Stevensville, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Naples, FL

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

San Antonio, TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Complaint: On XXXX XXXX, XXXX, I was contacted by an individual claiming to be an investigator, XXXX XXXX, for the XXXX County Sheriff. He informed me that he had a file on me on his desk that was awaiting application for warrant for fraud. He told me that it was a courtesy call allowing me the opportunity to resolve it that day and avoid processing the warrant due to the fact he would not be able to stop it otherwise. He stated that I would be arrested in the morning and arraigned before a judge within 24-48 hours if I did n't have it paid this evening. I told him that I did n't commit and that I wanted to speak with the individual who filed the complaint. At that point, he did a conference call with an individual identified as XXXX XXXX ( XXXX ) XXXX, who was with Risk Management at a company called XXXX XXXX XXXX. During this conversation, it was discussed that I still owed a balance on an old debt with HSBC that had been turned over to his client, XXXX, for collection. I informed them that this account was settled in XXXX and that I had a letter stating it had been paid in full. XXXX XXXX responded by stating that it had only been recorded as a payment by XXXX XXXX and that the account would never have been settled for such a low amount. I was also informed that XXXX XXXX was no longer in business. I then informed him that this was the second time I paid on this and that initially it should have been settled in XXXX when I paid a lot more. I told him that I would provide documentation if necessary to resolve it. At that point, XXXX XXXX spoke up and stated that the account had to be paid up and settled that evening or he would have to exercise the warrant. I felt that I had no other recourse but to pay it and not be incarcerated in order to allow me time to resolve this issue by other means. Since I have never been arrested, I did n't want to take a chance. After I paid on the account, I was told I would receive settlement documents via email and also certified mail with supporting documents. When I received the email documents, I noticed there was a discrepancy with the account number recorded. I informed XXXX XXXX XXXX that this needed to researched and corrected. The following morning I attempted to make contact with the investigator on the case and was surprised to find out that the contact number was actually that of a fax machine belonging to the XXXX County Clerk 's office. I immediately realized that something was wrong and contacted the XXXX County Sheriff 's Office trying to find the investigator. I was told that there is no such investigator by that name employed or affiliated with them. I then contacted the criminal division and filed a formal complaint about someone impersonating a law enforcement officer and appeared to be affiliated with this debt collector.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I would like to make a complaint for a security investment that I had with HSBC bank. I had this investment for a while and when I went to check on it in XXXX XXXX they advised that I did not have this particular investment. HSBC invested my monies with XXXX which was later transferred to XXXX XXXX, XXXX ( address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) which then was deposited in my HSBC account after maturity. I went to HSBC several times and they advised that they were unable to locate over {$100000.00} worth of my investment. The last time I followed up with this was in XXXX and the financial advisor showed me my investment on their system however when I went to check on it on XXXX XXXX to withdraw the monies the financial advisor told me that I did not have an investment. I have been investing with HSBC for 32 years and have multiple accounts with them however this was my biggest investment that I had for retirement. My financial advisor XXXX XXXX has not been able to locate the investments I had done in my early banking years with HSBC. The branches that I did these investments with are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. I think fraud has been done to my account because these investments I had have vanished and I am getting no help from the financial advisors nor an explanation from other bank representatives.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Bohemia, NY

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Church Hill, MD

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

N White Plains, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

Newark, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

N White Plains, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

MO

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Purchased a motorcycle in 2007 which was financed by HSBC Bank Nevada NA. Got behind and loan was turned over to XXXX XXXX XXXX for collection. Paid off debt but unable to get a lien release. HSBC Bank has the lien on title but sold this lending division to XXXX. Have contacted HSBC and XXXX numerous times trying to get a lien release and no one will send me one.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Odell, OR

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-02

Donegal Heights, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

West Branch, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

San Jose, CA

Arbitration

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-08-01

NJ

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: i had the same issue with this company before the issue was never solved. i agee to a loan modification they signed the agreement i signed the agreement. the agreement now they are going back on agreement no taxes or insurance is supposed to come out of the payment they say my county says we were behind my county says they are lying
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Arvada, CO

Credit determination

Credit card:

Complaint: I attempted to pay my HSBC XXXX ( Account XXXX ) back in XXXX 2016 via online payment. Thier system was down and I was unable to make the payment after several attempts. I managed to get through and call my payment in. I was refunded late fees due to their system being offline. Later, back in early XXXX, I discovered that they had reported my account delinquent and had been reported to the various credit agencies. They had canceled my account without my knowledge. I tried to get them to remove the negative report, but they insisted they were not at fault - even though they had previously admitted it was their fault when they refunded the late fees. This has caused a series of financial difficulties including a higher car insurance premium and a higher mortgage loan rate.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Bronx, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I was a customer of HSBC bank. It XXXX or XXXX I had a personal checking and savings account with them. I called customer service to lodge a complaint that money was removed from my account without my authorization. They investigated it and decided to close my account. Unfortunately, because it was so long ago, I do not recall nor do I have my account number with this corporation. I attempted to open another account with them several years later. I was permitted to open the account. The following day customer service contacted me and informed me they closed my account due to my previous account having been closed by this institution. I feel that their investigation was inconclusive and as a customer, lodging a complaint to them about unauthorized usage of my account, I should have not be penalized for submission of this complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Memphis, TN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: This is in reference to Case Number XXXX - XXXX, where as I received communication from CFPB on the status of my case on XXXX/XXXX/2016 per the referenced case that HSBC Mortgage Servicing had sent a communication to CFPB that they needed more time of 60 days to work on my complaint. Howerv, that is n't the case as you can see by the attached documents that they have already decided to deny my request for a loan modification. In their corresondence to me they said that I could appeal but the information in their corresponce is so unclear as to what I 'm to appeal. This has been the historical missleading information being received from HSBC, along with the inability to contact the relationship manager that 's assigned to your case, to obtain factual information. I have attached documention from my account with HSBC and the correspondence most recently received. So i 'm even more so convinced that they are not taking modification requests seriously and thus violation federal Mandated requirements. XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-30

Beallwood, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response