HSBC NORTH AMERICA HOLDINGS INC

2016-07-15

Hoffman Est, IL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

Groton, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-15

Leeton, UT

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I paid debt in XX/XX/XXXX have a legitimate release of liability and the collector that is contacting me 7 months later is saying they will have me arrested if I do not pay them immediately and that they tried serving me twice.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

Bremen, GA

Billing disputes

Credit card:

Complaint: I have requested proof of billing and pay history on XXXX BANK # XXXX by mail 3 times to XXXX XXXX XXXX XXXX NY XXXX and have not gotten a response. I believe there are inaccuracies on XXXX and XXXX reports associated with this account. I have disputed this account 3 times and these companies told me HSBC BANK verified everything is accurate. I would like HSBC to provide me with verifying documents. However they continue to ignore my letters. Please assist
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-14

Pomona, CA

Money was not available when promised

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

San Gabriel, CA

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Complaint: I received a call from someone stating he was with the XXXX XXXX County court and was trying to contact my Mother. I asked what it was in regard to and he stated she was being served and he needed to verify that someone would be home. He stated they had made 2 attempts and if she was not available after the 3rd attempt the legal proceedings would begin without her. I was given a number to contact to get more information about the case. The caller stated due to federal regulations he could not give more information because was in the dispatch center. I called the number that was provided and it was the corporate office for XXXX XXXX in XXXX California. That 's when I knew something was n't right. I was able to provide my mother 's social security number so they would speak to me about the file. My mother is deaf which is why she did n't call herself. I spoke with a XXXX and was advised that a debt was owed for an HSBC/XXXX credit card that was opened in XX/XX/XXXX. When I explained that there was no way a credit card was opened in XX/XX/XXXX, he said then why has someone been making payments on the account. He said the last payment received was for {$180.00} on XXXX/XXXX/XXXX. He said that 2 letters were already sent out and wanted to know why they were ignored. I said, I 'm not my Mother so I have no idea. When I asked about it being fraud, he said that would be decided in court. I also asked why this does n't appear on my Mother 's credit report. ( I know what is on her report because I help her monitor her credit. ) He responded there are XXXX reasons. XXXX because they are either waiting on a judgement from the court or for the client to accept an offer an pay the debt. I again said there is no way any credit was opened in XX/XX/XXXX and I know this because I opened up card on my Mother 's behalf in XX/XX/XXXX. He said then you did open the account. I said, no sir that was in XX/XX/XXXX. He told me all calls are recorded and wished my mother the best of luck in court. The call ended. I called back to get more information on the company. XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. When I asked for more information, he refused and said that he would provide more info when my XXXX mother called. I said I 'm trying to get information so she is available when she is served. He then said that she will be served when he submits the order. That 's when I knew something was really wrong. Someone originally called and said he was from the courts trying to serve my Mom, but she 's always home and no one has served her. The original caller must have been associated with XXXX XXXX and mis-represented himself. The validity of this debt and the dates involved are in question.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Mc Donough, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Pinellas Park, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Eldorado, WI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Alexandria, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Memphis, TN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I 've submitted several request for loan Modification to HSBC Mortgage Servicer for assistance in reducing the interest rate on my home loan, which is at 8.76 %, which is perhaps the highest in the nation at the current time. All of my loan modifications have been denied. Once I submit a loan modification request, they assign a loan representative, then they unassign then assign a new representative, who is most always difficult to contact. They ask for the same documents over and over, as if the the documents sent to them goes into a black hole. My most recent loan modification that included a request for the removal of a balloon payment, interest rate reduction and forgiveness of all or a portion of the principal, was again denied in XX/XX/XXXX. They did not provide a specific reason for the denial but said that i could appeal. Appeal what? The latest person that I spoke with at HSBC only offered the advise of making the next 6 payments on time? Ok, so what happens after making the payments on time, Is my balloon payment going to be removed? Is my interest rate of 8.76 % going to be reduced to the current marke? Is my principal going to be reduced or forgiven? I have never been able to reach my loan representative! This is an excerpt from the most recent XX/XX/XXXX National Mortgage Settlement, which HSBC Mortgage Servicer have not been in compliance with : " HSBC is also required to complete XXXX in creditable consumer relief directly to borrowers and homeowners by XXXX XXXX in the form of reducing the principal on mortgages for borrowers who are at risk of default, reducing mortgage interest rates, forgiving forbearance and other forms of relief. The relief to homeowners has been underway and will likely provide more than XXXX in direct benefits to borrowers because HSBC will not be permitted to claim credit for every dollar spent on the required consumer relief. '' I am one of those borrowers that HSBC refuse to work with.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Columbus, OH

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Lewiston, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-12

South Florida, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In XXXX XXXX our monthly mortgage payment was made by phone to the customer service department of HSBC. We were told that due to our account being in good standing we were eligible for refinancing. We were referred to the refinancing department and spoke to a refinancing personnel of HBSC by the name of XXXX, who completed with us the initial application for refinancing. We were then assigned to another of HBSC employee by the name of XXXX XXXX who took over the application process and told us that closing date would be sometime in XXXX XXXX, and that we should not make the XXXX XXXX XXXX mortgage payments as they were being included in the refinancing. He also told us that our first mortgage payment would be for XXXX XXXX. We received a call around XXXX from HSBC employee XXXX XXXX XXXX informing us that the closing date had to be changed to the first or second week of XXXX XXXX. Our insurance agent also received a call from HSBC employee XXXX XXXX XXXX, making request re paper work, pertaining to the refinancing of our home. HSBC through XXXX XXXX XXXX contacted us again by XXXX XXXX informing us of a final closing date of XXXX XXXX, XXXX. After that no further communication was received from HSBC. Numerous calls were made by us and messages left on XXXX XXXX 's HSBC extension voice mail and direct line ( XXXX ) XXXX - XXXX at HSBC. Our insurance agent also made several attempts to follow up with XXXX XXXX XXXX of HSBC refinancing department but to no avail. At this point we desperately tried to obtain information re our pending refinance closing and was able to obtained information through HSBC customer service that the mortgage payoff was given to XXXX XXXX in the refinancing department and that they were awaiting the closing. While waiting for the closing to our dismay, we received an intent to accelerate letter from HSBC dated XXXX/XXXX/XXXX which added stress to an already stressful situation. We at this point sacrificially made the XXXX Mortgage payment, believing that, HSBC would resolve the matter, which they did not. Verbal and written complaint was made to HSBC emphasizing that our financial hardship was brought on by the breach of contract by HSBC. It is hereby unbelievable that even in the light of the overwhelming evidence of breach of contract and fraudulent activities by HSBC, including but not limited to forgery, HSBC did not do the right thing of resolving the matter by completing the refinancing process. This, they themselves initiated which if done would not result in us being in foreclosure. We hereby seek your help in investigating this urgent matter. Contact number XXXX XXXX XXXX XXXX - XXXX email : XXXXXXXXXXXX Yours Truly, XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

San Antonio, TX

Communication tactics

Debt collection: Auto

Used obscene/profane/abusive language
Complaint: IN SPEAKING WITH XXXX XXXX AT XXXX., I ADVISED HER TO REMOVE MY WORK NUMBER FROM THEIR LIST. AFTER SPEAKING WITH HER FOR A FEW MOMENTS SHE THEN TOLD ME SHE WOULDNT REMOVE MY WORK NUMBER AND HUNG UP ON ME. ANOTHER EMPLOYEE NAMED XXXX SAID A SUPERVISOR WOULD CALL ME BACK TO ADDRESS THE SITUATION, SHE COULDNT HELP ME. THEY WERE VERY UNPROFFESSIONAL, EVEN YELLING AT ME, " TO PAY MY BILLS ''. WOULD NOT LET ME SPEAK, SHE GOT LOUD WITH ME TO DROWN OUT WHAT I WAS TRYING TO TELL HER. THIS DEBT IS FROM 2000. IS IT STILL LEGAL TO COME AFTER ME IN THIS MANNER?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-11

Vab, VA

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-09

Cutler Bay, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

Garrett Park, MD

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

Bronx, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-08

West Harrison, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

CA

Payoff process

Credit card:

Complaint: XXXX opted me in to over-the limit charges of XXXX car without my permission .... much damage proceeds from this 2009 credit card act violation
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-08

Flushing, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Roxbury, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-07

Los Angeles, CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Nashville, TN

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response