HSBC NORTH AMERICA HOLDINGS INC

2016-01-22

Bay Terrace, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-22

Wilmington, DE

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: On XXXX/XXXX/XXXX at appropriately XXXX I contacted a male by the name of XXXX XXXX who had been harassing a friend in regards to a debt they say is from XXXX. XXXX XXXX of XXXX XXXX and XXXX stated that XXXX XXXX brought this debt from HSBC. He went on to say that they will be serving me papers for court to sue me and if I did not pay they would be garnishing my checks or seizing my bank account unless settled before court. I informed him I do n't recall this debt and how am I sure its mine he presented me with information he had and stated that its clearly is mine. I told him I am not sure of this debt. He went on to say that they will be serving me next week at my home or come to my job. On XXXX/XXXX/XXXX I called the number that he left. A gentlemen answered I asked who was I speaking to he stated XXXX XXXX I asked what is the name of this company he stated XXXX XXXX XXXX. I then asked for the address of the company in which he refused to give me unless I provided him with docket number. I feel as though this is a violation I not sure if one needs to give there docket number in order to receive the address of their business which should be public information. Please look into this.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-21

East Glenville, NY

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-21

Rockledge, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Tampa, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

San Jose, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Dayton, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Rochdale, NY

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: I applied for a loan with HSBC Bank. The bank began processing the loan on XXXX XXXX, XXXX. In XXXX, an appraisal was conducted and because I was requesting a coop refinance, the coop questionnaire was completed by the coop in XXXX which delineates all the circumstances of the coop. XXXX XXXX I was issued a commitment. However, XXXX XXXX, XXXX HSBC rescinded the commitment stating the loan was declined because of the coop flip taxes. My complaint with the bank is the length of time it took the mortgage to process, almost 5 ( five ) months. But more importantly, the bank had the information in XXXX XXXX regarding the coop flip taxes as well as other essential information regarding the coop. If HSBC felt the coop did not qualify for the loan. I SHOULD HAVE BEEN DECLIENED IN XXXX OF XXXX not 3 months after the COMMITMENT was issued!!!! In that time the interest rates have increased as well as I could have went to another bank that would have accepted my coop flip taxes. I feel HSBC was egregious and grossly negligent in the time it took to process the mortgage, and I am angry that a commitment was issued and HSBC will not honor it!!! HSBC did not handle my loan professionally and I feel HSBC is a large bank and they do not care about the average consumer. I hope there is some recourse federally. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Houston, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Bicentennial, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Jackson, MI

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MI XXXX XXXX To whom it may concern : It appears that the cooperation between us, HSBC and XXXX has deteriorated to the extent that I have no choice, but to continue try and prove that by their mistakes and unwillingness to get this problem resolved. I will continue to address this the best I can, and present evidence I have available to me. This is a continuation of a complaint, case # XXXX. I am, again, requesting a complete and in depth audit of the entire year, XX/XX/XXXX, of my mortgage account with HSBC ; loan # XXXX. HSBC mortgage statement, dated XX/XX/XXXX, shows a payment was received, automatic deduction, from my credit union, on XX/XX/XXXX, credit union statements will be provided upon receiving a new case number. Please note HSBC statement Principal balance is the same for XX/XX/XXXX, and XX/XX/XXXX, and shows no activity on XX/XX/XXXX. HSBC statement XX/XX/XXXX, also shows {$800.00} being billed as escrow, and was disbursed, but no credit to principal or escrow, meaning, somewhere along the line, HSBC made a miscalculation as the cause of this problem. My investigation goes back into XX/XX/XXXX. If you calculate the amount {$1100.00}, then subtract the {$800.00} from escrow, the sum is {$390.00}. That is very close to the amount left accounted for according to the spreadsheets, I provided XX/XX/XXXX, of {$390.00}, in my favor, but that still leaves the question, what happened to the {$850.00}, that HSBC statement dated XX/XX/XXXX, was on hand. Since the trust and integrity of HSBC and XXXX has deteriorated to almost zero, because of trying to deceive and hide the truth and other things. I am submitting my remedy. Turn over the title to my home, free and clear, absolutely no attachments, pay {$150000.00}, by certified check, for all the number of times HSBC has breeched the foreclosure agreement of XX/XX/XXXX, and broke the original contract signed XX/XX/XXXX. Admit to wrong doing to the public through the media, and other agencies. This has caused a lot of undue stress, frustration and extra expenses, when there could have been a very easy way to remedy the problem. Thank you, XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-19

Billings, MT

Other

Credit card:

Complaint: HSBC has a charge off listed on my credit report that I have disputed numerous times. Each and every time I have disputed it, it has come back as verified. However when I have contacted Hsbc they have stated they have no knowledge of this account. So, my question is how can they possibly verify it if they have no information. It was removed from my reports for one day and than magically reappeared after the CEO received my email providing them with the details from my credit report!!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-18

Brentwood, TN

Delinquent account

Credit card:

Complaint: I had delt with unknown collection for an HSBC card in my name opened in XXXX. I am a military spouse we move a lot and I have never received any correspondence from this company. After sending certified letters to two collections departments claiming they owned the same HSBC account for debt validation in wich I have certified mail recipts and other documentation. The only company who responded was mcm with a letter stating based on my information sent they would remove there collection activity from all XXXX reporting agencies since they where the owner of the account because when contacted HSBC directly they had closed it with no knowledge of my SS or Name. I have since disputed this with expierian who took the account off derogatory accourding to my XXXX rights. Also I have disputed this with XXXX. Based on this I am asking XXXX to stop reporting this account as derogatory. Dept valitation was never given to me in the form of what was asked as my signature on the said credit card and any sort of proof of debt other than just saying it was put under my name and social is not acceptable as anyone can do that with that information. Until I am provided with a complete investigation and documents sent to me with last payment canceled check or proof of any liability this should not be reported as derogatory. I have been asking for this since XXXX and have had many XXXX violations commited and will with all my power give over all my recored documentation to the appropriate channels.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-16

Stilesville, IN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Brooksville, FL

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Billings, MT

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-16

Clearwater, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: I filed bankruptcy ( chapter XXXX ) in XXXX, Then I filed chapter XXXX in XXXX and all my debt was cleared. But this Company HSBC Bank, keeps showing as a collection on my credit Brueau. I really do n't even remember opening this acct. Because at the time they say this acct. was open I was in Bankruptcy at the time. When i called the Co. last yr. XXXX, and explained this to them, they could'nt even sent me any evindence that this acct. was mine. And they never tried to even contact me about this debt that they show I owe. Thank, for your help with this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Sapulpa, OK

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Jamaica, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Sanford, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Brooklyn, NY

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

North Bergen, NJ

Improper contact or sharing of info

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-01-14

Sandy Hook, CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-14

Fort Lauderdale, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response