HSBC NORTH AMERICA HOLDINGS INC

2016-04-25

San Jacinto, CA

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On or about XXXX XXXX, 2006, I financed and obtained a Refinanced Mortgage Loan in the sum of {$380000.00}. HSBC concealed the fact that the loan given to me was an " Adjustable Rate Note ''. As evidenced by the recorded Deed of Trust the box entitled " Adjustable Rate Rider '' that is supposed to be checked if the Loan is Adjustable was not checked and the required Adjustable Rate Riders that are supposed to be attached are not attached. ( See Deed of Trust attached ). I signed a fixed rate 30-year mortgage. HSBC has substituted for the fixed rate note signed by me for a variable interest rate note bearing the FORGED signature ; said another way, the variable interest rate promissory note used by HSBC in the lawsuit I filed bears a FORGED signature and I never signed said note, nor did he ever ratify said note. I hired an handwriting expert and she determined that my signature is a forgery.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-25

Saint Michael, AK

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: My ex-wife tried to refinance her home, the home had a 2nd on it from HFC. The loan would go through because HFC reported that I still owed money on the loan. HFC reported that I owed {$5000.00}, plus interest for the last 5 years, meaning I owe them {$10000.00}. The 2nd from HFC was included in my bankruptcy 5 years ago. The debt was paid and the bankruptcy court sign off on my case about 5 years ago. I believe that HFC is acting in bad faith by not accepting the payoff, in addition they have had the 5 previous years to notify me of this debt, they have n't, nor does a failure to pay a debt show up on my credit reports. I believe HFC is wrong. If HFC underreported the debt owed, they had ample opportunity during the bankruptcy process to amend the dollar amount of the debt. HFC never corresponded with the Trustee who was managing the bankruptcy account or the courts. I believe they purposefully are trying to act in a fraudulent manner to take money that they are not owed on the 2nd trust of deed. I want HFC to sign off and take the lend off the debt that was paid off by the bankruptcy.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-24

Houghton, WA

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-23

Vancouver, WA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-23

SC

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: HSBC has been holding me hostage over my mortgage since XX/XX/2008. I have been approved for over XXXX loan modifications since 2008, however, after each approval, HSBC fails to send me the modification documents and approvals, and continues to solicit me for other loan modifications, when there is a court order on file with XXXX County, SC, stating that HSBC is not allowed to contact me directly. More Recently, HSBC defense council, XXXX XXXX, has promised my attorney and I that she will expedite my loan modification. see attached letter. It has been two years, and XXXX XXXX has never responded to me or my attorney. HSBC continues to ignore me and my attorneys requests and we do not know how to proceed. I need to get out of this house and get out of this loan so I can move my life forward. HSBC has effectively ruined my life and my credit for the last 8 years. Can you help them to contact me or my attorney? Can you please sanction XXXX XXXX or report her to the bar association for her complete failure to do anything in my case? I am going to provide the proof I have been approved for a loan modification, and the proof that XXXX XXXX has done nothing to help the situation.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

Little Canada, MN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-22

Kendall, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

Marysville, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

Main Office, VA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: After a year and a half working with HSBC mortgage on a loan modification, I was told that my modification was denied due to insufficient income. I filed an appeal and was denied a second time. In speaking to one of the representatives, I was told that my expenses exceeded over {$7000.00} per month which is incorrect. I was also advised by my counselor that my interest rate increased in XXXX 2016 from 3.25 % to 4.25 %. I was never notified of an interest rate change. During the modification process HSBC refuse to take my mortgage payments and now I am over {$25000.00} behind and facing foreclosure. This is my second time filing a complain, my first case was closed without any resolve.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-04-21

Denham Spgs, LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Bremen, GA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-20

South Chatham, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Staten Island, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Chicago, IL

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: The following company listed below is calling and threatening to file suit on a debt that is not owed. They claim they are collecting on behalf of HSBC and are attorneys, when they clearly are not a law firm. They use threatening language and clime they do not need to abide by the FDCPA. Clearly, serious action must be taken against this firm. XXXX XXXX XXXX XXXX, XXXX AKA XXXX AKA XXXX Posted in : XXXX XXXX XXXX Web site lists the address in Florida : XXXX This place is also using the same address : XXXX XXXX gives them a D+ with XXXX complaint : XXXX XXXX is not registered with the Florida Dept. of Financial Regulation as a collection agency which means they are illegally operating as a debt collector. XXXX. XXXX says they are only in business since XXXX XXXX, XXXX which means they have been trying to steal money right from the start : XXXX XXXX XXXX XXXX, XXXX Filing Information Document NumberXXXX XXXX/XXXX XXXXE Date XXXX Effective XXXX StateFL StatusACTIVE Last EventXXXX XXXX Event Date XXXX Event Effective DateNONE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Registered Agent Name & Address XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Authorized Person ( s ) Detail Name & Address Title XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Here is the XXXX info for their web site : XXXX XXXX XXXX Updated XXXX second ago - Refresh Domain Name : XXXX XXXX : XXXX Sponsoring Registrar XXXX ID : XXXX XXXX Server : XXXX Referral URL : XXXX : XXXX Name Server : XXXX Name Server : XXXX Status : clientTransferProhibited XXXX Updated Date : XXXX Creation Date : XXXX Expiration Date : XXXX medicalinvestigations.com registrar XXXX Updated XXXX second ago Domain Name : XXXX Registry Domain ID : XXXX Registrar XXXX Server : XXXX XXXX URL XXXX Updated Date : XXXX Creation Date : XXXX Registrar Registration Expiration Date : XXXX Registrar : XXXX XXXX XXXX ID : XXXX XXXX Contact Phone : XXXX Reseller : Domain Status : clientTransferProhibited XXXX # clientTransferProhibited Registry Registrant ID : Registrant Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX : XXXX XXXX XXXX : PA XXXX XXXX XXXX : XXXX Registrant Country : US Registrant Phone : XXXX Registrant Phone Ext : Registrant Fax : XXXX Registrant Fax Ext : Registrant Email XXXXXXXXXXXX Registry Admin ID : Admin Name : Support, Technical Admin Organization : XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Cocoa, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Brant Lake, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Durham, NC

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Complaint: Last month I requested that my mortgage company provide me with the modification agreement to substantiate the interest they are charging me in my payoff ( please see attached ). They told me they could not email or fax it, but they would get it to me in a few days. It has been more than a month and they have not sent it to me yet. They are holding me up from refinancing and I am about to lose the low interest rate that has been offered to me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-19

New York, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-19

Staten Island, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-04-19

Jupiter, FL

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: I am a XXXX in XXXX XXXX. A client came in discussing harassing behavior by a debt collector. I generally make contact and then send a cease and desist letter on the client 's behalf. This person answered the phone improperly - " Law Office '' then he lied to me about the debt, would not provide a fax number, and then called my office back to harass me. Threatening me and my client. ( By the way, he claims to have been collecting on an HSBC debt. ) He reported the following information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone # : XXXX Fax # : XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-19

Lincoln, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-19

Manhattan, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-19

Scottsdale, AZ

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I received a phone call from XXXX XXXX who told me that they have a file for HSBC that I owed $ XXXX to. This is the same company that called me aggressively last year threatening me with with criminal actions that would lead to the loss of my family 's Nutrition Assistance and Medicare if I did n't pay them. They refused to verify any accounts or amounts owed. When I looked into the matter, I discovered that the Date of Last Activity for an HSBC secured credit card was in XXXX 2008 with no payments thereafter. When I mentioned the statute of limitations barred any collections, XXXX XXXX stated that " does not stop them from collecting ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-19

Patterson, MD

Closing/Cancelling account

Credit card:

Complaint: On XXXX/XXXX/2016 contacted HSBC Bank to register Credit Card for online access to pay bills. Was advised they could n't do it and to call a different number. I had them transfer me and was advised that the account had been closed and that I was classified as " deceased ''. They told me I had to go into a branch location with ID to verify identity. I went to the HSBC Branch In XXXX, MD @ XXXX XXXX XXXX XXXX, XXXX, MD XXXX. They took photocopies of my ID 's and said that there was nothing they could do at the present time and had to be worked on in house. They said someone at HSBC made an error but gave no time table or additional info regarding resolution. The personal I was dealing with at the bank said, " we are waiting for a copy of the death certificate. '' They did not provide any details as to why I was identified as deceased said I could not pay my bill over the phone or online because it 's currently in collections.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-18

Green Acres, FL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response