HSBC NORTH AMERICA HOLDINGS INC

2016-07-25

Clementon, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-24

Stkn, CA

Bankruptcy

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-23

New Britain, CT

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Fairfield, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

Coalton, OK

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: Yes Timely Response

2016-07-22

Bridgeport, CT

Other

Credit card:

Complaint: RE : Credit Card Reporting HSBC Account # XXXX Age of Accounts/Length of credit history Dear Consumer Financial Protection Bureau : I have a closed HSBC account and that had this credit card for over five years and still has a balance on it. According to XXXX, they claim the creditor requested it removed ( credit grantor removed ). I also reviewed my credit history and discovered that other accounts such as my XXXX XXXX account that I had for over 17 years was also not factored in my credit history/ age of accounts. The result of creditor removing my HSBC account caused the age of my credit history to shorten and caused a poor status. These actions to remove the above referenced account was done intentionally to cause the age of my credit history to shorten, resulting in a poor age/history status. I have had this HSBC account since 2003, and there is a 13 year perfect paying status that has been removed by someone either from HSBC or the credit bureaus to cause the age of my accounts to be more recent.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-07-20

Freeport, NY

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-20

Baychester, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-20

Provo, UT

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-20

Boscawen, NH

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: attn : CFPB + FDIC Ombudsman Missing international $ wire transaction date XXXX, 2016 sender __me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank HSBC HSBC Bank XXXX XXXX Limited Registered Office : HSBC House , XXXX , XXXX XXXX , XXXX , XXXX XXXX Registered Number XXXX Incorporated in XXXX , XXXX XXXX and regulated by the XXXX Financial Services Commission Regulated in the XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire transaction XXXX, HSBC XXXX -ABA routing XXXX SWIFT code is XXXX XXXX XXXX XXXX # XXXX revised XXXX XXXX ( details amended ) This wire was never received by the recipient. XXXX XXXX XXXX HSBC XXXX is aware, BUT yet unable or unwilling to trace the missing funds My bank official will confirm XXXX XXXX, XXXX Assistant Vice President - Member Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH, XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Please call today __XXXX, XXXX, cell XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-20

NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: In XXXX XXXX, after numerous customer service issues with HSBC, I visited the branch and told them I wanted to close all my [ and my son 's ] bank accounts. I did not surrender my safe deposit box at that time because it was paid through XXXX XXXX. It took months and much aggravation for HSBC to actually close our accounts. Then when pursuing a refinance in the fall of XXXX, it was discovered that HSBC never filed a satisfaction of mortgage for a HELOC that they admitted was paid off in XXXX. After hours and hours on the phone, email and at the branch, the only way I got the satisfaction of mortgage was filing a complaint with the CFPB. Only then did HSBC respond. I am now compelled to file another complaint. During this time, I was XXXX, with obvious XXXX limitations and severe pain. I was scheduled for XXXX on Monday XXXX XXXX, XXXX. On Saturday XXXX XXXX, XXXX, I went to the HSBC branch located on XXXX XXXX, XXXX NY XXXX to review the contents of my safe deposit box and remove whatever documentation my sons might need in the event something went wrong with my surgery. I was directed to XXXX of the tellers [ a woman ]. After looking up my account, she advised me that I was not allowed to have that box with HSBC because I had closed my bank accounts. She advised me that I had XXXX choices : open up a bank account or surrender the box. I told her that I did not want to open an HSBC bank account. She then told me that I had to surrender the box that day because if I did not, HSBC could break into my box to empty it at any time. So, I emptied my safe deposit box and surrendered the keys to the teller.I complied with every direction she gave me. I then had to go to the XXXX branch across the street to see if they had a safe deposit box. Fortunately, they had XXXX available. On XXXX XXXX, I received an HSBC bill deceptively backdated to XXXX XXXX, XXXX, demanding payment for rental for XXXX XXXX XXXX XXXX for the safe deposit box which I no longer had! At my first opportunity I called the HSBC XXXX branch on XXXX XXXX about the erroneous bill. I was told that " for some reason '' the box was still open on the system but they would " look into it '' and call me back.The HSBC rep did NOT deny that the box was surrendered. I did n't receive a call back. Instead, I got another notice more than a month later billing me again and calling it " past due. '' This time I called the central customer service number. In a call on XXXX XXXX, XXXX, customer service advised me that the notes showed that the box had been closed by me as I had stated but that it was remaining open on the system because the XXXX branch employee forgot to have me sign a cancellation agreement on XXXX XXXX, XXXX. He told me to fix this I just had to go back to the XXXX branch and sign that form. Today I went to the branch to sign the form and I was told that I could not sign the form. Instead, for the first time, they falsely claimed to have " no records '' of the box being surrendered and that they did n't have the keys! I asked them to investigate, that I would get them the exact date of the surrender so that they could identify the employee who handled the surrender. They had no explanation for why customer service advised me that the box was surrendered and only the form needed to be signed. I called the XXXX branch back to give the exact date of surrender to branch Manager XXXX XXXX. XXXX XXXX did not answer my questions about any investigation she conducted and refused to take any responsibility whatsoever. Instead, she told me that the only thing I could do was to take more hours of my work day to come back to the branch when they break open the box. I told her I can not do that because I need to work. She was completely rude, nasty, dismissive, laughed at me and hung up.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-20

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have been closing my account at HSBC by cancelling all of my activity in the account for the past two months. HSBC refused to notify me when a request for withdrawing funds from XXXX XXXX came in and I had no money in the account. They have my email address and often send me emails for new products and services. They deliberately covered the check so they could collect on the fees and penalties for an overdrawn account. I do not have overdraft protection, so they should not have covered the check and should have notified me immediately.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-19

Fair Oaks, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

Bremen, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

Sun City, AZ

Taking/threatening an illegal action

Debt collection: I do not know

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

Disputed: No Timely Response

2016-07-19

Bear, DE

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Untimely Response

2016-07-19

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

Buffalo, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-19

Aurora, UT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have recently been appraised of the settlement between the state 's attorneys general and HSBC mortgage. I had XXXX mortgages with HSBC ( HFC ). In XXXX during the economic crisis we applied to HFC for mortgage relief under both XXXX and XXXX. We were directed initially to XXXX who informed as had HFC that as HFC had not received any TARP funds they had no obligation to assist in any mortgage relief but that I could apply for a financial hardship request and a interest rate reduction. Our original interest rates were 9.5 % on our XXXX and 13.5 % on our XXXX. My husband was self employed and I worked for a company that ultimately closed and I also went into business for myself. Over the next several years we also had numerous health issues that also overburdened our finances. I received my first delinquency notice on XXXX. For the next several months we went back and forth with HFC. It was in XXXX of XXXX that my husband met with HUD to discuss the " Making Home Affordable Act ''. I already explained that HFC totally stonewalled us on that. Over the next XXXX years we received XXXX temporary hardship reductions for six month period of times. During those times the first mortgage was reduced for six months to 5.5 %. The process for interest rate reduction included long periods of time, many, many request for documents and duplication of documents by HFC. During these years I was constantly under threat of foreclosure and acceleration. By XXXX of XXXX we were still seeking a permanent modification. During the XX/XX/XXXX with foreclosure looming we started seeking help from companies who had contacted us by mail and phone. I was aware that I would have to go into foreclosure to try to get HFC to work with me. Almost all correspondence was between HFC and my husband who handles all of our financial issues. ( I have a XXXX '' binder of letters and actions between HFC and my husband and I. We finally settled on XXXX XXXX XXXX out of Calif. who required that we pay them {$3000.00} for services. We were aware that we should no have to pay for these services but HFC would not deal with HUD reps. By XX/XX/XXXX we were {$6700.00} in arrears. Although we were aware that these kind of companies are generally fraudulent we had no choice and they did work hard for us. In XXXX, XXXX was able to negotiate a reinstatement amount of the past due and acceptance of ongoing payments ( not reduced hardship ). XXXX was also attempting to get int. rate reduction. fee and penalties waived and if possible a reduction in principle. HFC agreed that if we would pay the arrears they would stop foreclosure. That amount had to be paid by XXXX/XXXX/XXXX. We paid the amount and the funds were deducted from our bank. A month later we found that HFC had no record of the pmt and that they were foreclosing. Later we found after waiting for three months and them refusing to locate the funds that they had posted them to an old acct. We were scheduled for foreclosure on XXXX/XXXX/XXXX. HFC even returned a pmt by check for a mnthly pmt they agreed to accept. The only reason the house did not go to sale is the trustee upon verification of our pmt by us refused to sale the property. A month or so before sale, HFC sold the note to XXXX and turned over servicing to XXXX Home Loans. We found out on the internet that this is a common practise of HFC. For the next six months XXXX refused to accept pmts. Demanded a huge amt of documents repeatedly and finally reduced the interest rate to 7 % for 5 years with interests deferred, accruing and penalties assigned. Still HARP or XXXX relief was denied to us. In the proceeding 8 yrs we have accrued $ XXXX in deferrals. Additionally, we attempted to file a Ch XXXX but XXXX challenged it as well as an IRS debt that accrued and it was dismessed by the judge. Gees were assigned by HFC for that. Still no long term relief.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-18

Baltimore, MD

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Hartselle, AL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Medford, OR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I would like to file a complaint against beneficial finance they have been trying to collect back mortgage payments that were covered in our bankruptcy I am sending documents in hopes that the cfpb can help us they have added interest and penalty 's for six years they call it deferred interest I hope I covered it well enough in my letter and court documents thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-17

Albany, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-15

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response