HSBC NORTH AMERICA HOLDINGS INC

2016-04-12

Roseville, MI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-12

Stewart, AL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Clifton Park, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-12

Carol City, FL

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-12

Greensboro, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-12

Manhattan, NY

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-12

Itasca, IL

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was discharged in bankruptcy
Complaint: Debt was discharged in bankruptcy in XXXX. Received letter XXXX from 3rd party collection agency stating that I still owe original creditor. I called XXXX, XXXX XXXX XXXX, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Mville, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Sebastian, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Greece, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-04-11

Rochester, OH

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In 2009, I was working in the XXXX XXXX. I did not open an account with HSBC. However someone who had my information did secure an account. I have trying for years to get this blemish removed from my credit file. I demand that the credit card company provide legitimate proof of ownership. I never signed any application. Accounts were opened online in my name and I have tried repeatedly to clear the matter. HSBC has not been cooperative and has not provided any substantiation to keep this on my clean record.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-09

Santa Clara, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-08

Orlando, FL

Taking/threatening an illegal action

Debt collection: Credit card

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

Disputed: No Timely Response

2016-04-08

Norwalk, CT

Wrong amount charged or received

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-08

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-08

Bay City, MI

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Beavercrk Twp, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Fithian, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Boston, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have been paying my mortgage for 14 years and have never been late, until XXXX when I was diagnosed with XXXX XXXX and under went treatment. I explained my situation to my mortgage ( HSBC ) company and requested a loan modification, but was denied. I reapplied for a loan modification in XXXX but was denied again due late payments. XXXX XXXX HSBC sent me a notice regarding an increase in my escroll account and that I could pay the difference of my to prevent an increase in my monthly payment, which I did. In XXXX of XXXX my monthly payments increased. It took six month and several hours on the telephone with HSBC to find my payment and apply the correct account. In XXXX of XXXX I had no choose but to obtain a lawyer for assistance with my home mortgage loan. My lawyer requested a loan modification and was told that I has already modified my loan in XXXX, which was not true. In accordance with the Affordable Home Act I should be able to modify my loan by reducing my 6.5 interest rate to current comparable rate. HSBC had continuous denied my request for load modification without any valid justification.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

La Tijera, CA

Lost or stolen money order

Other financial service: Money order

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Bueche, LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: MY MORTGAGE COMPANY HAS BEEN REPORTING MY ACCOUNT TO THE CREDIT BUREAU XXXX FOR MANY YEARS. BETWEEN THE DATES OF XXXX XXXX AND XXXX XXXX OF THIS YEAR, THE ACCOUNT DISAPPEARED FROM THE XXXX REPORT. THIS ERROR IN REMOVAL OF MY ACCOUNT HAS CAUSED MY SCORE TO DROP DRASTICALLY. I CONTACTED THEM AND WAS TOLD THAT IT WAS BEING REPORTED EVERY MONTH. I CONTACTED THE CREDIT BUREAU AND THEY STATE THAT THE ACCOUNT DOES NOT EXIST. I HAVE WRITTEN DISPUTE LETTERS TO XXXX AND THE ACCOUNT IS STILL NOT APPEARING ON MY REPORT. IT IS AN ABSOLUTE ERROR! THIS IS AFFECTING MY CREDIT HEALTH. THE CREDIT BUREAU IS STATING IT IS THE MORTGAGE COMPANY 'S ISSUE. MORTGAGE COMPANY STATES THEY ARE REPORTING CORRECTLY. I HAVE PRESSING BUSINESS MATTERS TO HANDLE AND CA N'T AS LONG AS IT STANDS AS IT IS. ACCOUNT WAS OPENED IN 2004 - THE EFFECT OF THIS ACCOUNT DISAPPEARING FROM THE BUREAU, SHOWS I HAVE LESS OF A CREDIT HISTORY THEN I ACTUALLY HAVE. NO WHERE ELSE TO TURN. DISPUTES ARE NOT WORKING.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Orange, TX

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-07

Newnan, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have had my loan with HSBC mortgage services for over 12 years and I was laid off from my job on XXXX/XXXX/XXXX. I have since fallen almost 2 months behind with my mortgage and have requested a modification from them. However, they have denied me, claiming that my home has no value. I was assigned to a mortgage service specialist ( XXXX XXXX ) whom I expressed my concern to about my mortgage being increased and also that I had requested modification and wanted to know what the status was. She explained the reason for the increase stating that my escrow had a shortage of {$2500.00} and that my mortgage was increasing from {$1200.00} to {$1400.00}, which I 'm still confused about. She also told me that when I called in for assistance in XX/XX/XXXX the representative that spoke with me advised me to send in my letter of unemployment but I did not respond to their request. I told her I was not asked to send in any information and I had only found out about it that very day that she was talking to me. She still insisted that I was informed. The specialist who was obviously aggravated with me continued to accuse me wrongfully so I asked her to play back the recording of the conversation that I originally had with the first representative when I called in to advise them of my dilemma. Realizing that I was not backing down from her lies and that I was going to prove her wrong, she paused and then apologized to me for the " miscommunication ''. I knew from then that I was going to have some difficult times ahead with her as a specialist and the only way to prove my innocence from there on was to record all my conversations with her, ( which I have in my possession ). She also advised me that I could get in contact with HUD. I called XXXX ( HUD ) who are trying to assist me. I called my mortgage service specialist on XX/XX/XXXX to advise her that I was meeting with a HUD representative on XX/XX/XXXX ( which was the following day ). She immediately advised me that I needed to let HUD know that I was already denied a modification so I would n't be considered for it again and gave me two extra days to advise her of what I wanted to do. On XX/XX/XXXX I called her back to advice that XXXX was now a third party representing me and she once again reminded me that I would not be considered for modification. The only thing HSBC is willing to offer me is a payment arrangement, Title-in-lieu, or short sale which is not an option for me right now. I am not willing to give up my house so easily. XXXX has faxed in all the necessary people paperwork and all the information that HSBC has asked of me. HSBC contacted my sister in Florida on XXXX/XXXX/XXXX ( the same day that I spoke with XXXX XXXX looking for me or my ex-husband ( who by the way is no longer on my deed ). I am clueless as to how they got her number and why they would even reach out to my family member when I have been in contact with them and have also given them information of my third party representative ( NID ). That same day that they contacted my sister, a HSBC representative ( XXXX ) also called me. Is this their way of trying to embarrass and frustrate me to get me out of my home? I have proof of the phone call to my sister if needed and I also have a recording of XXXX 's call. I would appreciate any assistance that I can be given as I feel like I 'm fighting a losing battle. They have my cell phone number which is my only form of contact. I have never dodged any of their calls so for them to go out of their way to get my sister involved is very hurtful to me. HSBC 's customer service is very poor and it seems like their staff are all trained to be mean to their customers which makes me a very dissatisfied customer. I have taped all my conversations with them and have proof of it if needed. I do not trust them at all. Thanks in advance!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Corning, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

San Antonio, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Had a truck loan from HSBC. Kept track of the balance every month trying to pay it off. Loan gets sold to XXXX XXXX and balance is overnight more than {$2000.00} higher. Called HSBC to get balance they sold to XXXX and they refuse to cooperate. I paid the loan off but I still do n't consider this settled. Also never got a lien release from XXXX so I cant register truck in my name only.
Company Response: Closed with explanation

Disputed: No Timely Response