HSBC NORTH AMERICA HOLDINGS INC

2016-06-08

Bristol, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Saint Paul, MN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: HSBC ( Hongkong and Shanghai Banking Corporation ) dba : Household Finance Corporation ; Beneficial Finance XXXX XXXX XXXX XXXX, XXXX, MN XXXX The Mortgage Bankers at HSBC gave us a sub-prime mortgage loan on which they foreclosed in XX/XX/XXXX. Our family has not been compensated for the illegal foreclosure of our home during the XXXX foreclosure crisis. We are asking that we be fully compensated {$300000.00} for the bank 's seizure of our home. There are millions of dollars floating around within the financial systems to compensate families like ours, yet we have not received compensation for the seizure of our home. My son was XXXX XXXX XXXX when our home was Foreclosed. He is now XXXX XXXX XXXX, and through his studies at school he has become well educated in the 'Troubles ' of XXXX XXXX and the XXXX Conflict. Similar to these situations our family was DISPLACED. We have been homeless and domestically unstable since our house was seized XX/XX/XXXX and then immediately sold on the Foreclosure Market for well below it 's actual market value. I have had discussion with my son regarding the conflicts that arise in other parts of the world when people are displaced from their homes. I told my son I do n't want to talk about XXXX and I do n't want to talk about XXXX anymore. I want to talk about the XXXX and getting XXXX and XXXX XXXX ( our family ) compensated for the sub-prime mortgage foreclosure of our home XX/XX/XXXX. We are asking to be immediately fully compensated for the illegal seizure of our home.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Pacific City, OR

Settlement process and costs

Mortgage: Other mortgage

Complaint: Back in XXXX my now ex husband and I had a 2nd mortgage through Beneficial HSBC. In XXXX my ex and I divorced and I was forced to file bankruptcy. During the bankruptcy proceedings beneficial wrote the debt owed to the loan off and closed the loan, note I did not request this they did this. I have not had communication with Beneficial in over 6 years until now. I 'm selling my home and Beneficial came up as a lien during this process. Beneficial never released the lien with the county. I have been in contact with Beneficial several times since XXXX XXXX, also my escrow officer has been in communication with Beneficial. We are getting the run around that this is being taken care of and expedited this was back on XXXX XXXX. We have requested to talk with managers and have been told we would receive a call back but this never happens. Today they told us they have submitted just today a lien release request to management this would take 7 business days and 3 weeks to send to our county to be recorded. We dont have another 3 weeks for an expedited service ...!!! The buyer signed papers XXXX XXXX but we can not close without the release. We are now facing that my buyer may not be able to go through with the purchase because of the time it has taken to close, we have had to do a lot with the buyers bank they are not patient anymore. This is causing great deals of frustration and stress. Very disappointed that we seem to not be getting anywhere with Beneficial, after all they never did what they where supposed to do 6 years ago and release the lien. They have been dishonest in communication to both myself and escrow officer and have XXXX integrity. I need help to get them to do as they said they would and be able to trust this will be done since this will be the 6th time I have been told its in review. I need resolutions this by this week, or it will cause economic damages to the buyer and to myself.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-07

Westerville, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-07

Dania, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-07

Riverdale, GA

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-07

Northside, NC

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: XXXX is reporting that I have an outstanding balance owed to HSBC Lending for {$11000.00}. I have contacted XXXX to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that HSBC received. So far, XXXX has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for XXXX not to supply it, upon request.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-06

Dallas, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-06

Mount Oliver, PA

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-06

Joliet, IL

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-06

MI

Other

Credit card:

Complaint: Upon reviewing my credit report I noted an XXXX credit card on my account that I have no recollection of opening. I submitted a dispute with the Reporting Bureau XXXX and it came back verified. I mailed a certified letter to XXXX on XXXX XXXX asking for validation of this debt and just received a response letter from them on XXXX XXXX. Their letter stated the following : The contract date was XXXX XXXX and there was a payment in the amount of {$50.00} in XX/XX/XXXX and the date of first delinquency was XXXX XXXX. They also stated it was sold to a collection agency called XXXX XXXX in XXXX XXXX. They also noted that they sent my recent correspondence to XXXX. They also reviewed the reporting and stated in their letter that they were inaccurately reporting to XXXX and would update my report. Per my letter requesting validation of this debt they have failed to provide my any evidence that this account is mine. I wish to have this inaccurate information removed from all XXXX credit Bureaus
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-05

Bayway, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-05

Damascus, PA

Delinquent account

Credit card:

Complaint: In 2007, I had a XXXX Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-05

Damascus, PA

Delinquent account

Credit card:

Complaint: In 2011, I had a Visa Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-04

Corona, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-04

Santa Ysabel, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

Horseheads, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

Granada Hills, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

Okc, OK

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

Evansville, IN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Bad customer service by HSBC, principal payments made but were not applied to principal correctly. On the phone for hours trying to resolve issues and get pay off for loan
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-03

Ft Belvoir, VA

Deposits and withdrawals

Bank account or service: Savings account

Complaint: This is to express XXXX concerns about HSBC banking. I began the process of transferring my investment accounts out of HSBC ( XXXX, VA ) in latter XXXX of XXXX the process was completed by the end of XXXX. I later closed all of the remaining accounts. When I returned home in XXXX after a partial winter residence in the XXXX of USA, there was a credit card bill from HSBC. I informed the branch manager where I previously banked ( XXXX, VA ) that I had not used the credit card and no one else should have been able to use them because I had closed all accounts with HSBC. I wrote a statement and submitted it, but HSBC continues to send me a bill with interest. I have spoken to my previous branch manager several times, but the problem has not been resolved and they continue to send me a bill. I want the billing to stop. I did not use the credit card ; the account was closed and should not have been used by anyone. Evidently, I would not know, the credit card account was not closed ; I did not use it. XXXX ) I transferred my investments to XXXX. They handled all of the paper work. HSBC charged me fees for a time period when XXXX had the investments. I was not working with anyone in the months prior to transferring my investments from HSBC. When HSBC could not justify a fee payment, they took money without permission or informing me out of my Money Market account to pay themselves an unearned or deserved fee. That was the point when I severed all ties with HSBC ; I closed everything. I first moved my investments for XXXX reasons : a ) they were not at all helpful and responsive when I wanted to refinance y home at a lower interest rate. b ) After the persons I was working with left the company for other jobs, no relationship was established with me and when I made a request, no action was taken on my investment account. I am urging other to take heed and look for a bank that will serve you with integrity. XXXX ) Also, they cause me to loose over a thousand dollars by not cashing an old check. They took the check and gave me a piece of paper that the XXXX XXXX would not honor. They should have given back the check so that I could have had it reissued. XXXX egregious acts ... .stay clear.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-02

Los Angeles, CA

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: No Timely Response

2016-06-02

Rochester, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-02

Allamuchy Twp, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: HSBC bank has not credited our account for {$750.00} per their offer which is long overdue now. We opened our premier account with HSBC Bank with {$100000.00} and had Direct deposit of more than XXXX SS checks in our account as required by the HSBC Bank to qualify for a credit of {$750.00}. They are giving us run around and wasting our time and efforts without any action. They keep on avoiding to honor their commitment for which we have documentation. Please help us out, collect {$750.00} as per original agreement.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response