HSBC NORTH AMERICA HOLDINGS INC

2016-02-09

Medford, OR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Plattekill, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Beneficial Homeowner Service Corporation is not taking responsibility for incorrectly posting a payment to our home loan in XXXX 2014. They took our XXXX 2014 payment and applied it to XXXX 2014 after they had already posted a payment to the account for XXXX 2014. In XXXX 2014 they told the bankruptcy court that we were up to date. In XXXX 2014 they told the New York State Attorney General that we were up to date. Their own accounting records which they sent to us show that we were up to date when they made this mistake in XXXX 2014. When they sold our loan to XXXX effective XXXX XXXX, 2014 they provided them with false information forcing XXXX to assess their own late fees and require us to make another monthly payment to bring our account current. It is clear that Beneficial can not understand and decipher their own accounting records.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-09

Memphis, TN

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been trying to get a 24 month mortgage payment history from my current lender, HSBC. I have been trying to get it for over 2 months and tell me they will send it but they never do. They just send letters acknowledging my request. I am trying to refinance out of this high rate adjustable mortgage and they are prohibiting me by not providing my mortgage histories. The new fixed rate loan I am trying to get will save me over {$500.00} per month. How can they refuse to give me this information? They are keeping me in a very bad loan and causing me financial hardship. Everytime I call they say they will send it but so far I have received XXXX letters acknowledging my requests. I did get one history but it was completely ineligible and they did not send one for my XXXX mortgage as requested.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Flushing, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-08

Fargo, ND

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: I had a credit card through HSBC who in turn went out of business and was bought by XXXX. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX bank then sold an account that was legally discharged to XXXX. They in turn sold it to XXXX XXXX XXXX, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-07

Milpitas, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-07

Brooklyn, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: HSBC is no longer sending bills. I have a {$10.00}. charge from XXXX XXXX that I was never sent. When I configured my HSBC online banking account I never signed up for 'e-statements '. When I checked my online setup on XXXX XXXX, XXXX the 'estatements ' option was not selected. HSBC customer support was unable to help after escalating, the HSBC Supervisor was too busy to speak with me. HSBC customer support would not take care of the late charges, accept resposibility for the issue nor cancel this MasterCard account.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-02-06

Ridley Park, PA

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-06

New Brunswick, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-05

Kansas City, KS

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-02-05

Atl, GA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-05

Flushing, NY

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-05

Bellaire, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-05

Atl, GA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-05

Belle Haven, VA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We filed chapter XXXX bankruptcy in XXXX XXXX. It was discharged on XXXX XXXX, XXXX. HSBC should have started reporting our payments to the XXXX credit agencies., I found out that they have n't reported any of them when we tried to refinance the mortgage with another lender.. I sent them a fax asking them to 'reaffirm ' our mortgage on XX/XX/XXXX. When I called the next day and talked to a customer service agent about getting something in writing about the affirmation, I was told they were never going to re-affirm our mortgage. They do n't 'do that ' anymore. They are basically holding us hostage to their horrible company and practices as I was told by XXXX XXXX XXXX that without that written affirmation, they would n't re-finance us. Even though I have every monthly statement that shows the payments were make on time. Our mortgage with HSBC is an adjustable rate loan which adjusts every 6 months. It 's starting to adjust upwards. We also found out a few years ago that they did n't participate in the federal re-finance option offered for underwater mortgages. I want them to re-affirm the mortgage and submit all back payment information to the credit bureaus.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-05

Wallington, NJ

Other

Credit card:

Complaint: I filed a dispute with XXXX, XXXX, and XXXX about an unknown debt listed on my credit report as a collection item. completed the form dispute process and asked the collection agency, XXXX XXXX XXXX, to provide me with documentation validating the debt belongs to me. On XXXX XXXX, 2016, I receive a letter from XXXX XXXX XXXX XXXX XXXX, where they failed to provide validation of the alleged debt to XXXX ( Merchant ) or the alleged original creditor, XXXX. The collection agency, cited the " seller 's records '' but failed to provide me with documentation that this debt belongs to me. I am requesting that the invalidated debt be immediately removed from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-05

Kansas City, MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: HSBC paid my taxes out of my escrow account and when it was returned, it had already been paid, they did not return the money to me. This was because the HSBC account was to be paid off in XXXX 2015. HSBC instead applied it as payments. This kept the account open so they sent the tax payment, which had already been paid by the new mortgage company. When the money was returned the account was closed as I had pointed out their error and they paid off the loan thus closing the account. I have been trying to get this money since XXXX 2015 and they keep telling me that they are still reviewing it. Customer Service says that they can see where the money was paid and returned but the refund it is handled by another department and all they can do is escalate the request.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-04

Coosada, AL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-04

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I would like to file a complaint of harassment against Beneficial Finance, HSBC, which is now XXXX XXXX XXXX. They continue to ignore my original complaint against them skating the issue with signed documents and legal jargon that I am not able to understand. I have recently secured a lawyer XXXX XXXX of XXXX NY to advise me further in this matter. He is in process of reviewing this entire matter which is very complex but told me that Beneficial Finance has had many suits filed against them in the past and they have always had a reputation of fraudulent activity or a smoke around them of being in some sort of trouble. My original complaint against them has to do with a mortgage that I and my ex wife went to them with in which they pressed me with a then new concept of a XXXX lawyer closing. I argued with them then that I had my attorney I always used and they had my ex-wife and I watch a video on XXXX lawyer closings and assured me then that if there was " any problems '' that they have a team in place of unbiased mediators that could get involved and solve any conflicts. Feeling pressured by the local office and they quickly won my ex-wife over I reluctantly submitted to this process as they assured me it would make everything go smoother and faster in the mortgage. In Beneficial 's response, which was bought out by HSBC, then XXXX XXXX XXXX they have never addressed my original complaint of the fact that they did not file all of my debt, nor was it disclosed to the then used attorney using blatant deception in getting their underwriters to approve this mortgage. They then pushed the mortgage through not telling my ex-wife and I that all our debt was not included in this mortgage even after they required us to produce all of our debt listed on a paper copy plus required us to provide our social security numbers to do a further debt search. We only learned of this after the closing where we were led to believe that all of our debt was now included in this new mortgage and that everything was paid off following the closing when debtors began to call us at the end of the month asking where their payment was. Many of these people we had contacted to tell them that the mortgage had been approved and that their checks would be cut at closing. My immediate response was to call the local Beneficial office which was eventually bought out by HSBC now XXXX XXXX XXXX and demand an explanation. They called my ex-wife XXXX XXXX XXXX and I in for a meeting. Their solution to this ooops! They suggested that this could be " fixed '' by a short term note for {$8000.00} at something like 23 % interest to cover the immediate payment need. They then suggested we apply for a XXXX mortgage in which the {$8000.00} would be paid off. I initially refused demanding the mediation that they promoted. They informed me that the mediation did not apply to this and there was nothing else they could do. We felt helplessly and hopelessly bound in this situation and reluctantly submitted to their plan. To this day they are not answering any of this. They are only producing copies of our signed statements which were done under duress. The combined mortgages put our monthly payments from just over {$900.00} to almost {$1400.00} dollars a month. When my ex-wife forced me into divorce proceedings over multiple issues that ended XXXX her chief complaint was financial pressure though I won the case with XXXX grounds later. If there was any single factor however that put undue pressure on this marriage it was this mess created by Beneficial later purchased by HSBC Bank now XXXX XXXX XXXX. Beneficial has a smoke screen they feel over this now by the fact they have changed ownership, sold the original Mortgage to companies who scoop up what they feel are bad loans continued harassment filing now a foreclosure against me and my new wife. Beneficial must answer
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Rockledge, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Bohemia, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX/XXXX/XXXX I tried to deposit a check through the HSBC mobile app on my cellphone. I received a message that it was unable to process my request. I went directly to my local branch and I deposited the actual check. On XXXX/XXXX/XXXX I received a debit from my checking account basically noting an error occurred for a duplicate check deposit. ( Apparently the mobile check was processed ). On XXXX/XXXX/XXXX HSBC corrected the error and debited my account to correct the error. Now, here occurs the problem, on XXXX/XXXX/XXXX I received another message/debit stating the same error message I received back on XXXX/XXXX/XXXX referencing the duplicate check from XXXX/XXXX/XXXX was deposited twice and HSBC was debiting my account to correct the error. This error had already been corrected so I stopped in to the XXXX NY HSBC branch. A representative by the name of XXXX pulled up my account and said she did not see the error. She explained I must have shaken the phone to have made the duplicate deposit. I tried to explain the backstory, she did not listen and tried to say it was a User error. I tried to show her the transaction on my phone and point out the discrepancy but she simply said her computer did not reflect any errors. She said when she went to her " home '' branch on Monday she would look into further. XXXX/XXXX/XXXX Monday I received a call from XXXX saying she saw no discrepancies on her end. I asked to speak to her supervisor and she said she was the supervisor. I told her this is unacceptable becaus it clearly shows XXXX debits from my account. I went on to try and explain that only XXXX debit was needed to fix the error. We went back and fourth and finally I told her I would escalate this through corporate. I was not getting any assistance from her. I called HSBC XXXX and was told by the represenative on the phone she could see the error and she would process the request to have it resolved. However, based on the correspondence with " XXXX '' the XXXX NY branch service manager I would like to have this escalated to ensure it is properly corrected in a timely time frame. The contact I have for XXXX is XXXX. I feel it is necessary to point out that XXXX was very rude and condescending. I will be looking into switching banks based on her poor customer service and Unprofessional attitude in this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

Rancho California, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-01

Rancho California, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-01

N Falls, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

Newnan, GA

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: Previous application : Your submission, [ Case number : XXXX ] Received mail this weekend that was apparently sent XXXX, XXXX, from XXXX XXXX XXXX who are restating the facts without answering the allegations. Bk Discharge was received in XXXX, XXXX all creditors were listed. XXXX XXXX XXXX, XXXX is now Pursuing me for the Debt, but they say Lien or security interest, when I have not done any business with them. They did an illegal transfer of assignment while in BK court, have not answered the previous complaint to this Bureau or my concerns. Brought them into BK court again, for sanctions and violations. The Case was dismissed on XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX and HSBC are Servicers acted as Debt Collectors and never proved, verified anything except a copy of the Note and Mortgage that was NEVER signed to them. These criminals seem to be making money over and over violating the rights of man and woman and displacing families with no authority. This claimant is asking for a higher Authority to make them verify and prove there allegations. Especially when the Note and Mortgage travel together. Their proof is sending the Note and Mortgage/Deed over and over. Proving more and more that their names are not parties. Claimant proven over and over that XXXX is only Nominee and has no authority to assign and transfer. Now, I am faced with Eviction for a discharged Debt. XXXX XXXX XXXX, XXXX is not a Creditor. XXXX XXXX was operating under another Trust which was closed XX/XX/XXXX. Now, they are operating under another Trust and I am the only one asking questions. HSBC did not have interest so, how could they pass interest to their family XXXX XXXX XXXX, XXXX Why does the fraud end. Liens are security agreements and do not carry a monitory amount with it. They are separating these documents and illegally going against the FDCPA and the UCC without proving anything. Now coming after my property without proper verification. HSBC could not prove XXXX XXXX XXXX, XXXX XXXX prove because they are a servicers XXXX XXXX alleged Trustee is using another private Trust XXXX MASTER PARTICIPATION TRUST. instead of the XXXX XXXX ASSET BACK TRUST ( original ). At no time have either parties proven anything, through their alleged attorneys XXXX XXXX and now XXXX XXXX, XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response