HSBC NORTH AMERICA HOLDINGS INC

2016-03-23

Schenectady, NY

Communication tactics

Debt collection: Mortgage

Called after sent written cease of comm
Complaint: Based on a previous complaint I filed with the cfpb, HSBC responded in a written letter on XXXX XXXX 2016 they would cease and desist calling about debt that I make regular payments on. The payment is overdue by no more than 60 days, frequently only 30 days. This is a voluntary repayment I can revisit with my bankruptcy attorney at anytime. Despite this letter and verbal requests HSBC continues to call multiple times a day.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Natrona Hts, PA

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Midwest City, OK

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

San Francisco, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: HSBC recently began charging a number of new fees on my checking and overdraft protection accounts. I am not aware of being notified that these new fees would be put into effect, nor am I aware of having agreed to this significant change in the terms and conditions of my bank accounts. It is possible that these changes were hidden in one of the periodic updates to the terms and conditions of my accounts with HSBC but no attempt was made to make me actually aware of these significant changes to the fees which are charged to my bank accounts. I have had my HSBC checking account for 15 years and my select credit ( overdraft protection ) account for more than five years. Looking back through my banking statements, I can see that HSBC did not begin charging these particular fees until XX/XX/XXXX. The XXXX new fees are a 'maintenance fee ' on my checking account and a 'miscellaneous debit transaction fee ' on my select credit account. I was charged maintenance fees of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$120.00}. I was charged miscellaneous debit transaction fees on XX/XX/XXXX for {$10.00}, on XX/XX/XXXX for {$30.00}, and on XX/XX/XXXX for {$20.00} for a total of {$60.00}. I was told that HSBC charges a {$10.00} fee for every transaction on the select credit account. The fees I have listed include all instances of these fees being charged to my checking and select credit accounts during the 15+ and 5+ years that they have respectively been open. After speaking with HSBC customer service representatives, some of the fees have been reversed but they will continue to charge them on new transactions. I believe that I was also deliberately misled by HSBC customer service representatives. I was told repeatedly that the terms and conditions of the accounts have not changed and that these fees have always been in place. This is an obvious falsehood which is made apparent by a review of my bank records, which I have done. The 'miscellaneous debit transaction fee ' is also similarly titled to the normal monthly finance charge for the select credit account, which appears in my statements as 'miscellaneous debit *finance charge* cash advance. ' I believe that these fees were given similar titles in order to deliberately confuse and mislead HSBC customers so that they would not notice the new fees being charged to their accounts.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-03-22

Three Bridges, NJ

Billing statement

Credit card:

Complaint: i need billing history for the account. I need to have full payment history, 1st date of delinquency, last payment date, 1st major delinquency, date account was opened and date account was closed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Roxbury, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-21

South Chatham, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

East Elmhurst, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Athens, TN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-21

Stamford, CT

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Lena, OH

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Amity Harbor, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-03-18

East Elmhurst, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Arco, CA

Billing statement

Credit card:

Complaint: I have a Credit Card account with HSBC, USA. Recently my card was replaced due to suspicious activity on the account. During the following statement period ( janurary, 2016 ), an 'Autopayment ' of the full balance of {$3400.00} was taken from my bank ( XXXX Account # XXXX ) without my authorization. This occurred on XXXX XXXX, 2016. I had previously set up the account to deduct the MINIMUM PAYMENT, not the full balance. I contacted HSBC about this. They noticed their error and issued a 'Return Payment '. However, though the return payment showed up on my statement - they did not return the funds to my bank account. I followed up again a week later. They claimed the funds had been returned, but they had not. I offered to show them my XXXX statement as proof the money had not been returned. On XXXX XXXX another 'Payment Adjustment ' was listed on my statement for {$3400.00}. Still no actual funds were returned to me. At this point my credit card balance was over {$6000.00} due to HSBC error. I followed up again and at HSBC 's request opened a dispute about the charge with XXXX Bank. XXXX issued me a provisional credit. Their investigation continues. On XXXX XXXX, another payment adjustment was issued by HSBC. This time for {$1500.00}. Again, no funds were returned. This caused my account to be overdrawn. At this point I began to worry about how it will affect my Credit Score. I informed HSBC of this, but they claimed the issue had been resolved and the funds had been returned, but they had not. Again I offered to show my XXXX statement as proof. On XXXX XXXX, another payment adjustment was listed on my statement. This resolved the {$1500.00} in question, but not the initial {$3400.00}. I am still waiting for them to resolve the initial complaint and return the {$3400.00} to me. An investigation into this issue has been ongoing since XXXX XXXX. It has not been resolved. It has caused me a lot of stress as the Phone Customer service representatives are unable to assist me and will not allow me to speak to anyone higher up the chain. It has been over 60 days since my first complaint was filed. The high balance that has been listed on the account worries me as it will affect my credit score and is through no fault of my own. HSBC are also charging me interest on this balance. The Balance is incorrect due to their error. I am having a lot of trouble resolving this issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Oxford, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: XXXX XXXX XXXX XXXX has contacted me on XXXX separate occasions about a balance due on an HSBC-XXXX Bank Credit Card that was open sometime in XXXX and presumptively closed in XXXX. When I asked for more information about this past due account I am not provided any information. The balance in the collection notice states that I owe {$1300.00} but when I am told the balance is approximately {$2800.00}. I took sometime to contact HSBC XXXX -Bank about this account on XXXX XXXX, XXXX and learned that I have never had a past due balance nor has my account ever been placed in a collection status. Furthermore they informed that all HSBC-XXXX Bank Credit Cards were sold to XXXX XXXX in XXXX. I contacted XXXX XXXX on XXXX XXXX, XXXX at approximately XXXX and spoke with a customer service representative who confirmed that my previous HSBC XXXX Bank XXXX with a balance of {$1300.00} was purchased by XXXX XXXX in XXXX and was never sent to a third party collection agency. My account is still current open and in a good standing. Also when the account converted over to XXXX XXXX I was given a new account number to go along with the new XXXX XXXX Card. I spoke wit XXXX XXXX XXXX XXXX about this account again and informed them that XXXX XXXX and HSBC both confirmed that my account was never sent to collections. XXXX XXXX XXXX XXXX stated that my account has never been transferred over to XXXX XXXX and that they are demanding payment. They stated that they will take legal action in XXXX and request a judgement against me. I have asked them to cease further contact and I have sent them a letter but they are still continuing to contact me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Coto De Caza, CA

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Louisville, KY

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Requested validation and verification nothing received
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-18

Chesapeake, VA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Tulsa, OK

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Mill Creek, IN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Hamilton Grange, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: At This time, I am disputing what Beneficial HSBC had responded to my claim with. For the fact that i did in fact make my trial modification payments, and each time I was never notified. During the last time in 2014 i had even went through another Lawyers office. I have enclosed copies of each check that was sent in for the last modification showing that we did make the payments for 2014. Also If Beneficial does not participate in the XXXX or similar federal government-sponsored programs, why???? do Beneficial employee 's tell me when i have called or even when i received the information by mail to please call for to see if you qualify for XXXX Assistance or XXXX. Plus this is not to mention there are XXXX different names on papers that I received in the mail, and each XXXX had different answers for me when I talked with them, not to mention when my new wife did also.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-15

Ladson, SC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-15

Loganville, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

West Branch, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response