HSBC NORTH AMERICA HOLDINGS INC

2016-03-08

Rochester, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-08

Boston, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-08

Kawaihae, HI

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-08

Millville, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-08

Boston, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-08

CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: The lender Household finance is saying that my maturuty date has expired - so I need to pay the balance or do another loan to last 10 years. I need them to provide all the documents to prove what they are saying such as evidence of the maturuty date. and all documents.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Amherst, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Indianapolis, IN

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

East Rockaway, NY

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: # XXXX-I recently discovered I have continuously been a victim of identify theft throughout more than three quarters of my twenty year marriage, my wife who was in charge of all joint banking, was able unknown to myself acquire numerous credit card accounts without my permission, based on false information provided on her behalf to obtain the credit cards, that I only became aware of when it was suggested I obtain a current credit report. My score had remained consistent at XXXX as I had never fluctuated below a rating of excellent credit during my entire prior credit history established over the period of my life- I am XXXX years old establish a time line to base my complaint on, my credit now ranges approximately at a XXXX rating. A difference of over XXXX points upon first closing numerous accounts that appeared on my XXXX PAGE CREDIT REPORT obtained within days immediately following the Sheriffs Department Removing my now estranged spouse issuing an order of protection and a stay away order that were decided by the judge based on her unexplained XXXX inflicted upon myself and more so our youngest son who is now age XXXX, legally XXXX due to severity of XXXX unable to live alone, I am responsible for his well being and providing for him as I always have. I have full custody, his mother never so much has attempted to contact him or any of our other XXXX children, that I still provide for in addition to situations that have arised requiring financial assistance. Prior our marriage, she had XXXX prior marriages, entering the marriage with XXXX child from each husband, as well as having our only biological child I adopted XXXX of the children and provided no differently for the other XXXX, who no child support was in existence pertaining to their well being. XXXX of the XXXX kids reside with me as well as i assist my step daughter with caring for my granddaughter 5 times weekly at the family residence. The importance of obtaining assistance from the Bureau of Consumer Financial Protection-assistance I was not aware of until recently as I constantly received lack of responses from numerous banking and credit card providers of the situations I have inquired information on after filing complaints based on information my credit report holds, I am a additional card holder on accounts I did not have knowledge of that were only approved to my spouse based on my credit and I stress without my permission. I have great concern as well as what appears to be present on numerous accounts that they were reported FRAUDULENT by the owner which appears was my estranged wife ( we have been involved in supreme court divorce proceedings since the time earlier noted till presently equaling a total of of 16 months ) court proceedings have exhausted what monies I had been left with, which were significantly less than what should have been. I worked 17 years as a XXXX forced to retire due to XXXX needed, I grossed over {$100000.00}. annually. Additionally my credit report contains proof of refinancing and or equity loans against our family residence, that I never knew of, gave permission of, or needed. To say the least the wrong doing on behalf of my own wife, whom I trusted allowed more identity theft and damage resulting in tremendous repercussions of attempting to correct matters has literally allowed more damage than a stranger stealing your identity, my credit score damage is a direct result. I am a XXXX veteran injured during XXXX XXXX my XXXX XXXX + having to post pone the 18-20hr XXXX needed, XXXX, as well as increasing daily risk XXXX. I fear losing my house next which is essential to myself and my family. She needs to be held responsible for illegal actions.As a XXXX I am a man of Honor not disgrace.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

San Antonio, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: In XXXX i reviewed my XXXX report. a collection account is there from XXXX listing HOUSEHOLD FINANCE as the original creditor in the amount 0f XXXX and a current balance of XXXX I have never had an account with household finance, so i disputed with XXXX based on the fact that the account is not mine. I received a phone call from XXXX XXXX @ XXXX XXXX the very next day informing me that it would not be deleted from XXXX because they dont work for XXXX, XXXX works for them. He stated that the only way it would be deleted is if i paid it. He then threatened to report it to the other XXXX bureaus if i did not pay it off by the end of the week. When the dispute closed with XXXX in XXXX, the account was upheld with now a XXXX balance. XXXX is refusing to answer my letters to validate the debt, and they will only give me a PO BOX as a mailing address, so i can not send them any legal documents to sign for. They also lack the surety bond that is required by my state to collect or report a debt as a collection agency. to this day they still will not give me any information to verify the legitamacy of this aleged debt.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-06

TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: HSBC contacted me after the mortgage was a year behind there website never works and they will not send any statements I have paid on this house for 16 years and now they have turned the case over to an attorney
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-05

Cloverly, MD

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

Lithonia, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-04

Burkburnett, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: hsbc needs to clear this off my cr report, this was settle since 2011,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

NH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: XXXX XXXX is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with HSBC Bank, went into default in XX/XX/XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or XXXX XXXX XXXX. Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, HSBC Bank is off credit completely as the legal timeline limit has come and gone. XXXX XXXX XXXX is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction XXXX XXXX XXXX for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

E Wenatchee, WA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Queens, NY

Transaction issue

Credit card:

Complaint: I was recently traveling abroad and encountered a merchant was presenting me a fraudulent bill for services that were never rendered. At first the merchanst said they dont take cards, when I was forced to withdraw cash upto my limit, they then also took my card and proceeded to charge me over XXXX dollars. The merchant was a restuarnat and due to language barriers and their intimidation I could not fully reconcile and figured I would dispute the charge with my bank since no service was actually rendered. My bank is now saying that they will not refund me the charges or even attempt to investigate the merchant even though its not even registered to any particular business. The maerchant is a none frauder ... and it is card poilcy that anyone that takes a card must advertise it and not upcharge people after the fact.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-02

Wrentham, MA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-03-02

Stantonville, TN

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

Eugene, OR

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

Alameda, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-03-02

Chester, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

Penngrove, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Yonkers, NY

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-01

Trenton, NJ

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response