HSBC NORTH AMERICA HOLDINGS INC

2016-01-29

Brooklyn, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

Spring Hill, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I was granted court ordered modification review after HSBC bank admitted negligence. I also was granted a previous court order from dissolution of marriage and final judgment where the court enjoined me to the existing home loan so I could be eligible to apply for a loan modification. The family court was also advised the other party, namely my ex-wife ( XXXX XXXX ) was filing chapter XXXX bankruptcy and she had notified HSBC bank of this. The court ruled in my favor with the fact that XXXX was discharging her obligation and rights as the person responsible for the mortgage debt to which the court ordered the loan debt be transferred to me. I notified the court I wish to keep the home for the safety and welfare of children which I was granted sole custody due to XXXX was convicted after a federal investigation. HSBC has admitted negligence concerning my right to apply for a modification loan and during the court ordered review failed to notify me that XXXX XXXX XXXX was non compliant with the court order and also HSBC failed to transfer client rights and authority of the loan fully knowing that XXXX XXXX had successfully been granted a chapter XXXX bankruptcy and therefore had no client privileges which should have been transferred to me by the supporting court orders resulting in HSBC continuing to show prejudiced and negligent acts towards me and ignoring the court orders. These acts of negligence by HSBC resulted in the modification process to break down and HSBC attempted to transfer the blame on me and refuse me client privileges during the whole process. HSBC bank also admitted negligence by their attorneys who had been instructed to cancel the foreclosure sale date set with the courts for XXXX XXXX, XXXX. HSBC attorneys filed negligently and incorrectly on the same day as the court sale date with an incorrect motion that was rejected by the court and denied resulting of the sale of the home and me losing title of the property. HSBC admitted further negligence to me and filed an appeal in court to have the ruling over-turned and was denied due to an improper motion filed. HSBC failed to correct their negligence to return title to me and further denied me any rights to a court ordered modification review by making false statements concerning the facts and damaging my reputation. I filed a previous complaint with CFPB in XXXX XXXX and did not receive a reply till XXXX XXXX XXXX resulting in further harm to my case. HSBC has filed a writ of possession in XXXX XXXX to seize the home, making the family homeless. I filed a formal complaint in XXXX XXXX with the Office of the Florida Attorney General who have upgraded an investigation and who I am currently giving evidence and formal testimony to. This investigation is ongoing based on the complaint and actions of HSBC bank. I filed a formal complaint with the Office of Congressman XXXX resulting in a formal ongoing investigation. I am requesting for foreclosure proceedings to be reversed to mediation, writ of possession to cancelled, my name to restored to back on the title, to be given legal client privileges and for loan modification. I have filed an emergency motion to stay writ of possession on XXXX XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

Fred, VA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

Granite Bay, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

Plattekill, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We have requested that HSBC ( Household Finance ) correct their own accounting error in which they did n't properly credit our account for 2 monthly mortgage payments of {$1700.00} each or a total of {$3400.00} in XXXX. They sent their own accounting records to us which proved their error and we sent a copy of the records back to them with a letter outlining the error in XXXX XXXX. We have written to them multiple times and they have not taken action to rectify this error. We are now asking them to pay this amount to the company they sold our mortgage to ( XXXX ) toward the principal on our home loan. We are also asking that they pay a penalty to us equal to 6 months of payments ( {$10000.00} ) for failure to respond in a reasonable time frame.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-28

Bronx, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

Nashville, TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Credit card Debit from HSBC was paid in XXXX and credit bureaus removed the account from my credit bureau reports in XXXX. Removed from my husbands credit bureau reports for between XXXX. XXXX XXXX creditors continue to harass mu husband, myself, and other members of our family threatening to have us arrested, have us served papers, calling us names, using profanity and not providing exact company names and sometimes not providing good call back numbers. This has continued for 3 years now and it has got to stop. We have filed multiple complaints with FTC and all credit bureaus with no help. The state time law limits have passed and the evidence has gone and we need to be protected. The collector called my phone looking for my husband and said they were from XXXX XXXX and were going to sent someone to have my husband served and possible arrested if he did n't pay a bill that he is refusing to pay. The number on the caller ID was XXXX and the call back number she gave me was XXXX. When I explained that we had talked to an attorney already and the debt was paid years ago and I was happy to fax proof over, she stated they did n't operate with faxes. I have had to fax this proof and documentation to multiple companies over the years and I am sick of it. Please make it stop.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Hsbc informed me that they sent encrypted and password protected disks which included, which included all of my personal information of me and my co-signer XXXX XXXX XXXX to an unauthorized commercial third party. My identity has just been stolen and XXXX of dollars were withdrawn out of XXXX of my debit cards. i called and complained to Hsbc and all they do is put me on hold and never return. All their offering is a bogus identity guard protection after the fact. I attempted to apply for this guard abd its too complicated abd their requesting many documents to be sent to them in order to activate me its too complicated and time consuming. Can you help me i fear that i may lose every thing because of their negligence.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Richland, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Lawnside, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

MD

Deposits and withdrawals

Bank account or service: Savings account

Complaint: HSBC is continuing to initiate monthly transfers from my banking account after I closed my HSBC online savings account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-27

Birch Run, MI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

New Rochelle, NY

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Benbrook, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

West Branch, NY

Settlement process and costs

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Brooklyn, NY

Closing/Cancelling account

Credit card:

Complaint: Six years ago, I opened an HSBC account for my sister in my name. Initially, things started out well, but as expected, this did not last ; and shemissed payments. As a result, this has reflected poorly on me, and I am left to pay the price. I have since made every effort to fix this account. The account has been transferred to another lender ( XXXX XXXX ), whom I have constantly tried to contact to payoff the account but it has been to no avail. I can not get a response from them. Please advise.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-26

Philadelphia, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Okc, OK

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Boynton Beach, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-24

Bronx, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: I make bankruptcy i call the bank they say i dont have record the i dont owing anyone money
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-24

Great Neck, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In XXXX XXXX I was offered a {$11000.00} cash for keys deed in lieu for XXXX of my investment properties of which I am in default since XXXX. I supplied all the documents. In XXXX my case manager, told me all documents were in and filed with each house. He told me there was n't enough time to save XXXX of the houses ( XXXX ) as the Sheriff Sale date was only a few days away. I had to except that. I lost the house. Then another property 's ( XXXX ) Sheriff Sale date came up and I was told it was too late because there were no documents on file. Later we found out the papers were filed incorrectly by the case manager. I lost that house but I appealed. I tried to get loan modifications but the offers were not in my best interest, then I was offered a {$11000.00} cash for deed in lieu for XXXX of my properties. XXXX property went through I received my check for {$11000.00}. Please note all the same documents were requested at the same time and received and successfully transacted for this property Once the papers were filed, it was up to the case manager to sort them and file them with the different properties. I have submitted a letter of appeal for ( XXXX ) The bank went ahead with the foreclosure claiming I did not file papers in time. Later we found out the papers were filed incorrectly. Another Property ( XXXX ) the bank decided to withdraw their offer in XXXX XXXX for {$11000.00} claiming there is a rule against cash for keys when a house has a Sheriff sale date. Now my new case manager XXXX has informed me the bank will not offer the cash for keys because the house is in active foreclosure. What? Why?? XXXX of the houses were in active foreclosure when they made the offer in XXXX. Suddenly the rules have changed? I was given the offer for the Deed in Lieu with {$11000.00} for ( XXXX ) with the tenants remaining in the house. Late XXXX I was told to have them move out and I should pay off a {$1700.00} lien and then I could reapply. Suddenly the rules changed. To be honest I do n't trust the bank and their offers anymore. I was not going to kick my tenants out before XXXX and if I do have them vacate, I do n't trust the bank will keep their promise. Will I still get the {$11000.00}? I find it awful that they want everything in writing from me, but from the bank, everything is verbal. I can not kick these tenants out unless I see the offer in writing from the bank. Needless to say and I am upset. Before I went into default we these mortgages, I ALWAYS paid my mortgages on time. I always paid all my bills on time. If my credit report was judged solely on my payment habits, I would have had an excellent credit rating. But since the XXXX economic crash, having XXXX loans made me a high risk. No banks would consider me for refinancing my high interests. My tenants were struggling, my houses need repairs. Land lording was getting more difficult and stressful. My health was failing, my finances were failing. I did not qualify for credit. YET I still paid my bills on time as of XXXX.Then I was advised but several resources, accountants, lawyers, financial advisers to stop making mortgage payments then the bank will listen and make offers to modify, offer deedinLieu or shortsale. But it took forever!! So much paper work. The loan modifications were a risk. Short sales were not getting offers. I wanted to get out form under this pressure. Then the bank offered {$11000.00}. I did n't ask for it they offered it! I am not a professional landlord. I have tried to manage these investment properties for 15 years. I have evicted XXXX tenants. Made too many renovations. Now ( XXXX ) is in repair due to frozen pipes. Landlording has putting me into a financial nightmare and caused my health to declined. All I ask is that the bank take the houses as they offered and pay me the {$11000.00}. Thehouses are in good shape. I cooperated in every way possible. Why are they changing the rules again!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-24

Harsens Is, MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: HSBC Mortgage Services Inc . I am trying to pay off this loan and in the end they are doing everything they can to keep getting interest. There is no way other than calling to make a principle only payment, and any payment you make just keep pushing your next payment date out. i call to get it reversed every time and have to have a 30 min phone call to get it fixed. they next time i call to make a principle payment, i clearly state what i want, she even tells me what i am calling about. in the end she puts in wrong so i have to now call back and get it applied to the principle. if i do my monthly payment on line and i make it for more than the amount do, any extra is put into an unapplied funds account that they just get to hold on to for a month and not apply it to my account again gaining interest and they get to use my money for a month for free. I have called them to make sure all funds get moved to principle payment, and they said they put a note in the account but can not guarantee that it will be applied every time. there web site is lacking the basic functions that any lender should have on there web site. will not use HSBS for any other banking needs for the rest my years left on this earth.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-23

IN

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: TIMELINE - Events that Led to Current Delinquency ( HSBC Loan # XXXX ) COMPLAINT : HSBC Loan Modification should have gone through XX/XX/XXXX Events : After the passing of my wife on XXXX XXXX, XXXX ... besides the large emotional loss, I experienced the financial hardship in losing her income contribution to the household. She also handled all the bills. I was able to keep up with all the bills and timely mortgage payments until being laid off XX/XX/XXXX. That is when I realized that I needed assistance and I reached out to HSBC first, stating that they do not offer refinancing. Unsure where to go, he mentioned Get Hope to HSBC and got to the loss mitigation dept. who informed me that they do not accept partial payments, only full payments, but to look into applying for a possible loan modification. This resulted in my submitting all the required documents to HSBC by fax for a modification review, with the assistance of my daughter XXXX & her husband XXXX XXXX. After this, I left several voice mail messages to inquire as to the review process status/update. I only had phone call conversations with HSBC reps and NO written documentation confirming the receipt of the package, indicating any review in process, nor any written confirmation of an offer. The only written correspondence received were Notices of Right to Cure Default and indications of who is my designated Mortgage Servicing Specialist. The one in XXXX was XXXX XXXX XXXX ( # XXXX ext. XXXX ) and the most recent specialist letter dated XXXX XXXX indicating XXXX XXXX ( # XXXX ext. XXXX ). I have had a couple of conversations with XXXX. The first conversation took place XX/XX/XXXX when I was able to speak with her. She told me that they did receive the package, reviewed it, and that I had been approved for a loan modification that would include the homeowners ' insurance and property taxes ( escrowed - since I did n't have them escrowed at the time ) and provided me with instructions by phone. She said that it would also reduce his interest rate and his payment to $ XXXX/mth. FURTHER INDICATIONS of a LOAN MOD = but without any documentation being received by me XXXX/XXXX/XXXX = Submitted a request for loan modification To : HSBC Loan Mod Dept. Fax # XXXX Told by phone from an HSBC rep to make two consecutive payments of $ XXXX/month, arranged to be taken out automatically from my bank account on XXXX XXXX & XXXX XXXX ... These were done electronically. He was told that after those XXXX paid, he can pay on own. The HSBC rep on the phone informed me that with these 2 payments, the modification would be finalized. No indication of any written agreements or mailings were given in this call. There were no instructions of their mailing any documents to me either. The first payment cleared on XXXX XXXX. The second payment in XX/XX/XXXX took 2 attempts but cleared my bank account by XX/XX/XXXX the second time due to an overdraft. However, neither of these 2 payments showed up as applied on mortgage statement. There currently shows only XXXX {$560.00} payment on Mtg. Statements as a " Partial Payment ( Unapplied ) ''. I then made a XXXX payment = XX/XX/XXXX. My last time making this agreed upon payment of {$560.00} was done XX/XX/XXXX but returned to me XX/XX/XXXX. ENCLOSED : XXXX Bank transactions showing 3 withdrawal payments made to HSBC = {$560.00} dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX * Fax cover sent to HSBC Loan Mod on XXXX/XXXX/XXXX along with hardship letter, wife 's death certificate & XXXX XXXX budget. There were XXXX paystubs also included in that package * Copy of HSBC correspondence = XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX I ATTEST THAT THE ABOVE IS TRUE AND ACCURATE TO THE BEST OF MY ABILITY.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-23

Rochdale, NY

Settlement process and costs

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response