HSBC NORTH AMERICA HOLDINGS INC

2016-03-28

Axson, GA

Bankruptcy

Credit card:

Complaint: XXXX XXXX XXXX - based in XXXX Over {$1600.00} collection amount on credit report for a {$300.00} credit card since XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX and credit card company did not file a claim. I attempted to settle debt for credit card limit {$300.00}. Debt collector attempted to collect XXXX % or more of a card -- - not used/closed since XX/XX/XXXX. Predatory Lending XXXX XXXX XXXX XXXX HSBC BANK XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1600.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX HSBC BANK XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-28

TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: i paid on XXXX XXXX 2016 and have letter showing it paid hsbc card services. now they are trying to sue me agin
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-28

San Jacinto, CA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: XXXX XXXX a debt collection agency has been reporting inaccurate information to the XXXX major credit bureaus. Years ago I received phone calls harassing me to pay off a collection debt. I simply explained that I 'm not able to pay, due to rough times. I asked them to please stop calling me. They never stopped calling so i changed my number. During the harassing phone calls they threatened me that they will report inaccurate info to prolong the 7 year fall off, until paid. It has been 8 years already and i recently paid the collection. Unfortunately, due to the inaccurate information they reported of being a collection account opened at a false date, is prolonging deletion. The original credit account was closed out and handed over in XXXX. XXXX XXXX is reporting, opened in XXXX. Simply to extend the 7 year mark. I contact XXXX, which is the original creditor. Being a very old charge off account, they do n't have record. XXXX XXXX is basically reporting whatever they find damaging towards consumers. XXXX XXXX is n't reporting actual dates from time of original close out event. Not only do they call and harass me back in XXXX. They literally made life difficult on getting approval of any loan. Its been 8 years and I still have them reporting inaccuracies to the credit bureaus. Despite paying them off, they still are a shady collection agency.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-27

Bremen, GA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have wrote a letter to the XXXX XXXX XXXX Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-26

Oxford, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I contacted my mortgage company HSBC XX/XX/XXXX to ask for assistance with my home loan because I have been unemployed since XXXX XXXX XXXX and my unemployment ended XXXX XXXX. According to HSBC website I should have been offered assistance. When Mortgage Payment Difficulties Arise If you are an HSBC Mortgage Services ( former Household Mortgage Services ) customer, please visit www.hsbcmortgageservices.com. Not sure? Click here for more information. Let us help you find a solution Remember that relief is just a phone call away.Life is not always easy. We understand that, and we 're here to help you. Losing a job, divorce, an illness or a death in the family are just some of the things that can cause a delay in paying your mortgage payment. If you are experiencing or have recently experienced a hardship and are unable to keep up with your mortgage payments, contact us. We 'll work with you to try to make the best of a difficult situation. Call Our Payment Assistance Line at XXXX. Instead of getting assistance I was told by XXXX XXXX XXXX XXXX that my condition was temporary and they could not help me unless I had a XXXX or a XXXX XXXX or was dead. They also sent someone to appraise my home which I was not informed about and was shocked when I received the information in the mail. XXXX also said that I had equity in the home as if I could get a loan without a job, and was told I could appeal which makes no sense because they never tried to help me. I am turning XXXX soon and finding a job at my age has been extremely difficult even more so because I have more than 17 years of experience. I have paid my mortgage since XX/XX/XXXX and I believe that HSBC is falsely advertising that they offer assistance to homeowners who have lost a job like I have. They even post this information on their website which again indicates they will help you. Consumer Advisory Please be aware of Mortgage Modification Scams and Foreclosure Rescue Scams. HSBC Bank USA , N.A . should be your starting point for finding options to resolve delinquency or avoid foreclosure. Your first step is to call Payment Assistance at XXXX. I do not understand how what they are doing is legal ; providing false information like this. When I asked for a copy of the note I was told this would take a month to get. I wasted precious time believing assistance would be offered to me when clearly it was not.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-03-25

San Antonio, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

Rochester, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

Conyers, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

Rockledge, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-03-25

Costa Mesa, CA

Closing/Cancelling account

Credit card:

Complaint: credit card reported lost and stolen last payment made on this account 8 years ago XXXX literally holding me hostage by committing fraud themselves they keep changing dates so the clock is reset again and again this acct should have been removed from my report last year but they are changing dates they t do not provide any bank payment docs too IREALLY NEED YOUR HELP
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

Plattekill, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Beneficial continues to deny responsibility for the mistakes they made with our home loan from XX/XX/XXXX to XXXX. Effective XXXX XXXX, XXXX they sold our loan to XXXX XXXX XXXX. They continued to erroneously try to collect " past due '' payments from us into XXXX XXXX - in effect trying to extort money from us when not only were we up to date but paid in full until XX/XX/XXXX. They told XXXX that we were behind so XXXX started charging late fees and other fees. XXXX XXXX, XXXX, XXXX XXXX XXXX, Vice-President Customer Disputes and XXXX XXXX, manager Customer Disputes, sent a letter to the NYS Attorney General stating that, " We have completed reconciliations on both accounts and can confirm that the account status on each account is accurate. '' AND " Account XXXX ( The account in question ) is current. The next payment is due on XXXX XXXX, XXXX, in the amount of {$1000.00}. '' Statements for XXXX and XXXX XXXX do not reflect the correct payments that we made and my husband spoke with a XXXX at Beneficial on XXXX XXXX, XXXX and she confirmed that our mortgage loan account was up to date. Payment history : Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we sent Beneficial a total of {$10000.00}. The financial records of our account that were sent to us by XXXX XXXX, XXXX Customer Disputes, on XXXX XXXX, XXXX, confirms this and we have the cancelled checks to back it up. Our monthly payment is {$1700.00}. There are 5 payments due from XXXX XXXX through XXXX XXXX. {$1700.00} x XXXX = {$8500.00}. So at the time that Beneficial sold our mortgage to XXXX we were not only up to date but ahead in payments. TWO payments were applied to the XXXX XXXX, XXXX payment and only one was credited toward our mortgage. The second should have been applied to the XXXX XXXX, XXXX payment. From XXXX/XXXX/XXXX throughXX/XX/XXXX a total amount of {$3600.00} was received by Beneficial yet only one month was credited toward our mortgage. We were also assessed four late payment fees, XXXX on XXXX/XXXX/XXXX ( XXXX ), XXXX on XXXX/XXXX/XXXX ( XXXX & XXXX ) and XXXX on XXXX/XXXX/XXXX ( {$34.00} ) for a total of {$61.00}. If Beneficial had properly credited our account with the payments we sent in and you cashed, we would have been credited with on time payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The total amount due for those 6 months was ( {$1700.00} x XXXX ) {$10000.00}. We paid Beneficial {$10000.00} and that would leave {$500.00} for the month of XX/XX/XXXX in our account. In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, XXXX XXXX Loans, she states : " Furthermore your allegations are regarding the previous servicer and not XXXX. Please be advised XXXX is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' Beneficial is the prior servicer and they refuse to address the problems.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-25

FL

Closing/Cancelling account

Credit card:

Complaint: This account was closed on XXXX/XXXX/11 with a XXXX balance and transfer to collection agency without my knowledge and for no specific reason.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-25

Bremen, GA

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: I have an old XXXX XXXX account from Household Finance ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). XXXX XXXX has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. XXXX XXXX has violated my rights as a consumer and deployed terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against XXXX XXXX : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

Glendale, CO

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: In XXXX I applied and was approved for my first credit card/line of credit which was issued by Household Bank on behalf of XXXX XXXX. After receiving the card in the mail I activated the card via the automated system and was surprised that my balance was far less than the actual approved limit. When I called customer service, they informed me that there was an annual fee and an activation fee which was automatically taken from the available balance when I activated the card. I was very unhappy with this information and was NEVER advised of this when I applied for the card. I instructed the credit card representative to cancel out the card account, as I was not willing to pay nearly half of the available credit limit before I had even used the card. I cut the card up and never used it, but was soon receiving notices that the account had not been closed and was delinquent. I realize now how these kinds of things can affect my credit history, but at that point I had no clue about how credit worked. I figured after a few years passed I would be cleared of this obligation due to the statute of limitations. Unfortunately, it appears that the debt was sold multiple times ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX ). The current collector who purchased the paper on this debt on XXXX/XXXX/XXXX was granted a judgment on XXXX, XXXX XXXX in the amount of {$1400.00}. The documents filed with the court indicated that my brother, XXXX XXXX, had been served a Summons for me to appear in court on XXXX/XXXX/XXXX. I challenge the legality of that Summons as my brother was XXXX XXXX, in XXXX XXXX that entire week on high dosage of XXXX and passed away 2 days later on XXXX/XXXX/XXXX. I never received that Summons or had any clue there was a judgment hearing pending against me. Fast forward to XXXX XXXX and the creditor sent me a request for interrogatories. Since I had not ever received any notice of this judgment until that time, I assumed that the statute of limitations had already expired on the old XXXX XXXX account. At any rate, I filled out the interrogatories and sent them back to the creditor and thought I would hear something back with next steps from whoever was requesting that information. Instead a Notice to XXXX XXXX for Revival of Judgment was approved by the court on XXXX/XXXX/XXXX and I was not notified of that court decision until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my employer sent me notification that the court had again granted a judgment against me on XXXX/XXXX/XXXX. I was completely shocked, as I had never received ANY summons to appear in court which I thought was legally required. This whole process has been confusing and it seems extremely underhanded to serve a mentally XXXX person near death and never personally serve me at any point with a Summons to appear in court. I have grown a lot personally since XXXX and now realize how important it is to pay all creditors on time. I know I did n't handle the XXXX XXXX account properly initially and have no problem taking responsibility to paying an agreed amount to the original creditor. However, it seems predatory and fraudulent that the original debt could not have been for more than {$350.00} and now a creditor has been granted permission to garnish my wages for {$8600.00}. Please help me sort through the legality of this situation. Thank you in advance for your careful consideration in this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

International, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-03-24

Ernul, NC

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-24

New Iberia, LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-24

Nyc, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-24

Jersey City, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-03-24

Sandy Hook, CT

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I 'm trying to refinance my mortgage. I defaulted on a loan to HSBC they sold it to XXXX but there is n't any record of the transfer. I paid XXXX and XXXX, XXXX 's attorney but now I cant get a clean title. What do I do?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-24

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: Now the problem with the debit card that was much more serious. I was then using my debit card that expires in XXXX / XXXX to pay my bills in the XXXX because I 'm in XXXX. And also to withdraw money in XXXX for my personal expenses. Is that because they sent new debit card with ship, did not respect the expiration date of the card I had ( XXXX / XXXX ) and canceled it in XXXX, XXXX although I have informed several times by email, phone and bankmail that I was in XXXX and would only return to the XXXX in XXXX / XXXX, when I would take and activate the new card ( I have all the evidence of these notices by bankmail because I copied them all and have the names, dates, and times when I talked to the Customer Service regarding ( The bank has to have these conversations recorded ). HSBC has left me in a very difficult situation because, not respecting the expiration date of my debit card, unilaterally broke a contract between the parties, as I had planned and bought trip to the XXXX in XXXX just to get the new card. Besides that, without debit and credit card, and can not honor my bills in the XXXX, I was also unable to withdraw money for my living in XXXX, where I am until XXXX XXXX. So I called the customer service and asked to send new debit card to the branch of HSBC XXXX, closer to my residence. ( HSBC propaganda is this : " If necessary we send new card where you are ... anywhere in the world '' ) Informed the address of the branch and the manager 's name in XXXX different calls to the customer service on XXXX, XXXX and XXXX XXXX XXXX because they did not send the card. Now, I find that on XXXX/XXXX/XXXX they sent the card again for my mailing address in the XXXX where there is none. Now the problem with the debit card that was much more serious. As the card requested for branch HSBC XXXX was not enough, I decided to send money to people on my mailing address for them to send me the card that arrived on XXXX. When they are ready to send, comes another card on XXXX. So these XXXX cards are sent to my address in XXXX by XXXX and I paid {$36.00}. The cards come to my house at XXXX. When I try to activate this card in customer service, they tell me that a third card was send for branch HSBC XXXX requested and only this third card was enabled to be activated. The XXXX who came to me had been canceled. All this happened without my knowledge and unilateral determination of the credit card department of HSBC XXXX. Then I called the branch manager of HSBC XXXX and he informed me that the card had gotten their hands. The next day I had to make a XXXX miles trip to pick up the card and finally the night to get it active. I WAS EXACTLY ONE MONTH, WITHOUT MY DEBIT CARD, unable to pay my bills in the XXXX and especially unable to withdraw money in XXXX for my expenses fault of disorganization, negligence and / or incompetence and arrogance of the office staff cards HSBC Legally what Can I do based on the Consumer Rights. A branch of my account is in XXXX, Fl. HSBC Caused me material and moral damages with their irresponsibility, negligence, incompetence and arrogance for dealing with neglect the needs of customers. On the site below are XXXX Consumer Complaints & Reviews, almost all making serious criticism of HSBC, which strengthens my complaints XXXX additional important information. I am XXXX ( XXXX XXXX XXXX ), I live in XXXX and spend one month a year in the XXXX to solve problems with the bank. Have an account in HSBC XXXX XXXX XXXX XXXX branch, in XXXX XXXX, XXXXXXXX ) since XXXX XXXX which keep part of my investments in the XXXX. I am not, therefore, an XXXX citizen, and not resident. But I have investments and bank account in the XXXX since XXXX. I look forward to your reply Thanks and regards XXXX XXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX - XXXX : XXXX, XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-23

Bronx, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-23

Brooklyn, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-23

Greensboro, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have been trying to work with my lender, HFC for almost a year to get a modification. The reason I am filing a complaint is they give me contradictory updates when I call them to check the status of my mod. I last applied XX/XX/XXXX, and was told that my file had the necessary bank statements. XX/XX/XXXX I was told that my statement was missing a page. I asked to speak to a supervisor and they told me one would call me back. It has been 7 business days and I never received a call. This is just the latest action they have taken to keep from reviewing my file for a modification. They continuously tell me documents are received and complete, and then change the story weeks or a month later. They never acknowledge the previous info I was given and instead tell me that it 's simple to just send the info again. But without honest communication from them, that is impossible. I would like them to know that I have filed a complaint so they will hopefully treat me and my situation with more respect. I am doing everything I can to work with them, but they seem unwilling to work with me, but never say that to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-23

Discovery Bay, CA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Working on HSBC re-fin. Ask us to buy additional XXXX insurance to cover further improvements and betterments that DO NOT even exist. First, according to XXXX rule, XXXX does not require XXXX insurance when master EOI is covered all. Our master EOI confirmed the developer had the CC & Rs written as such so that the XXXX requirement would be waived by lenders when first selling the units. Master EOI confirmed upgrades, betterments and improvements provided by the developer to the original unit owner are covered by the XXXX per CC & Rs. As I noted below, developer had CC & Rs drafted as such to waive the XXXX requirement of lenders for the first unit owners. Any further upgrades, betterments & improvements that may be done - ie. later by unit owner - are NOT covered. HSBC underwriter asked us to provide the CC & R statement and we did and now HSBC underwriter ignored this CC & R policy. There is no further improvement and betterments in our property. Hence, there is no reason to buy XXXX policy to insure improvements and betterments that DO NOT even exist. I spoke to the loan processor and HSBC loan processor argues their policy to cover " FUTURE improvements and betterments. '' I believe the XXXX policy is covered the current items not future items or any non-existing items. Note : HSBC has settlement in Massachusetts with Homeowners - Once a homeowner shows proof he has other insurance coverage on his house, the force-placed insurance should be removed.
Company Response: Closed with explanation

Disputed: Yes Timely Response