HSBC NORTH AMERICA HOLDINGS INC

2015-12-24

Davie, FL

Other transaction issues

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-24

Bronx, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-24

Ionia, IA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-23

Raymond, NH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-23

San Antonio, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Palos Park, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I currently have a home equity loan with HSBC Mortgage services. I have had this account for almost 10 years. I use this account to buyer homes and use it for Capital when I need it. I have a long history of paying the loan down and then I draw on it again when I need. HSBC closed out my account without my permission. I never wrote a letter stating I wanted it closed. In fact I received a letter showing a full payoff and closure of my account. I have been calling them since XX/XX/XXXX asking them to re-insate the loan because it was closed out without my permission. Now almost 2 months later, I am put in a financial bind because I need to make a draw. I still do not have closure to this situation and furthermore now I being told as of today that I am past due on my loan. How can this be??? I have a letter stating its paid in full. These people are not interested in helping solve the issue and now they are ruining my credit saying I am late on payments. I am now also going to lose a house and have financial hardship because they closed out my line of credit without telling me and I needed that line of credit. This is now putting me in a financial hardship and they refuse to help me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Empire State, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Please try to open an account online with HSBC. They are asking for ridiculous amounts of information no other bank asks for when opening an account online. They are saying the Patriot Act requires it which is simply a lie.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Okc, OK

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-21

Buffalo, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Metairie, LA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Alexandria, VA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Five Points, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: As of the date my mortgage was modified, I have made my payments on time. The mortgage company stated my payments were late XXXX 2011 until XXXX 2011. Their reasoning is because my payment was short of the amount required. They paid my taxes. Therefore, the payment increased. However ; they did not notify me under separate cover the payment would increase. I continued paying my required P & I. The amount short was the escrow amount. The error was not discovered until I called to set up additional automatic withdrawals. This error caused a negative reporting to the credit bureaus. A request was made, in writing, to reverse the reporting. They refuse. How can they report an escrow account as being late?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Berthoud, CO

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: Release of Deed of Trust for Beneficial Mortgage Co Colorado Record Date XXXX/XXXX/XXXX Document Type Deed of Trust XXXX XXXX, Colorado XXXX XXXX Request for Release of Deed Of Trust. This Deed of Trust has not been released per my conversation with XXXX at XXXX XXXX Colorado XXXX and Recorder XXXX XXXX, XXXX. A phone call placed to Customer Resolution Department at HSBC Beneficial Representative XXXX was responded to with how did you get this number which I explained from a letter when I attempted to explain the problem she informed me they had addressed the issue of my previous complaint. I also sent a letter and a copy of the XXXX XXXX XXXX Verified Report by Certified Return Receipt have received the Receipt it has been received in their office and still I have no resolution to the Release of Deed of Trust for " Recorded Deed of Trust : Reception No : XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Centuck, NY

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My identity and a mortgage scam have caused my house to be to foreclosed and possible eviction looms over me. From XXXX till XXXX XXXX I have been a victim of a predatory loan and {$52000.00} dollars to be paid to my bank HSBC and XXXX was stolen in a mortgage scam by people who said they were attorneys for the XXXX program. My original loan in XXXX I put {$6000.00} in escrow for my septic title XXXX is gone the bank, the attorney for bank do not know where it is ... ..its just disappeared but no work ever done! At closing no inspection was done and house has serious issues. XXXX informed me my personal information has been compromised I am a XXXX year employee of XXXX. I have filed paperwork with the XXXX of both XXXX XXXX and XXXX, the XXXX police and federal trade commission and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have receipts from all XXXX deposits I made to XXXX Mergers for payments for my mortgage to XXXX. Also wire trannsfers to XXXX bank XXXX .my wife is also XXXX retired postal worker. If there is anything you need. Please feel free to contact me at XXXX name is XXXX XXXX XXXX Also they hacked into my email and I was forced to change my email but it is XXXXXXXXXXXX thank you sincerely for any help you can provide and from XXXX XXXX till XXXX XXXX I did try to get a loan modification and assistance from HSBC and XXXX to right the ship but my house was upside down ... ... I tried everything to keep my house but due to the the identity theft my life has been turned upside down ... .i need your help, guidance and assistance thank you
Company Response: Closed

Disputed: Yes Timely Response

2015-12-20

New Rochelle, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-19

MD

Sale of account

Credit card:

Complaint: HSBC is reporting a credit card that was transferred / sold to another company as a charge off. This is in violation of the FCRA as an item that has been sold can not be listed as a charge off by the company that sold the debt. HSBC has not addressed this concern in my prior requests to them. They are causing damage to my credit and I intend to litigate this matter. I contacted the company they sold the debt to and I was advised that they are no longer reporting this account as of 2010. However the original creditor HSBC is reporting it as a charge off but they profited by selling it to XXXX XXXX. HSBC has been less than helpful in attempting to resolve this concern and continues to cause me more damage.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Lenzburg, IL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: This is a complaint that was never resolved by CFPB. The complaint number was # XXXX. Although HSBC/HFC deemed my account eligible for the XXXX pay, and reduced my monthly payment to {$890.00}, but by the same token, has changed the condition and agreement of the deed/mortgage. They have single handedly attached the property tax to be included with the mortgage monthly payments without a closing, or agreement or consent by me. How is that possible? I do n't see how this mortgage company was reprimanded or lawfully dealt with! They are in error, ON SO MANY levels. My tax payments did not need to be paid by any XXXX, as there were no lien on the property for arrear payments. Not then or now! Each year during my chapter, I may have been short, but not enough to place a lien. This was confirmed by the XXXX Department. I would appreciate your taking another look into this matter as WRONG doing is definitely apparent throughout this whole ordeal. my constitutional rights are being violated, while this body " CFPB '' does nothing. How is that? Thank you XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-17

Chico, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Brooklyn, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Rehoboth Bch, DE

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Due to a pending divorce from my spouse, I requested a loan modification from my Lender, HSBC, and received an approval today wherein they lowered the payment. However, the interest rate was not changed and is still 9.25 %. This is predatory lending because the current interest rates are 4 % or less and mine is more than double. It appears that they only reamoratized my 30-year mortgage and included my taxes and home insurance payment into the mortgage payment. Previously I paid the principle and interest only and was responsible for paying my yearly taxes and home insurance on my own separately. I have explained to HSBC while I will accept this " modification, '' I am only doing so to preserve my credit and that I am extremely dissatisfied with the fact that my interest in extremely high and not competitive at all.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-17

MD

Money was not available when promised

Money transfers: International money transfer

Complaint: HSBC Bank N.A Is always confiscating money transferred coming through their XXXX payment Hub in XXXX and probably many other people around the world. They withhold the funds for weeks under the pretext of conducting Anti Money Laundering information gathering on the remitter/beneficiary and they use payment network inefficiencies and the multiple layer of intermediaries to keep the funds the longest possible time and most likely accumulate more and more interest on the unlawfully and indiscriminately confiscated funds. Although they are given the information by the intermediaries they still hold the funds. Worse HSBC NY continue to repeat this confiscation and asking intermediaries the same questions ( remitter/ben date of birth, Place of birth, Citizenship and ID ) over and over again. The bank maybe using XXXX profiling using remitter names ( i.e an innocent remitter/beneficiary with the name XXXX will probably get his money confiscated repeatedly over the years and for weeks, while a money launderer named XXXX XXXX may sail through their network with no issues. No one from HSBC N.A/N.Y has bothered to contact me to explain or help. For years this on-going bad practice by HSBC N.Y goes conveniently unchecked. No one from HSBC has bothered to enhance the system to populate the information they gathered about me from previously confiscated funds, i assume because it is not in their " INTEREST.!!! ''
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-17

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: We ( my wife and I ) working with a Forensic Mortgage Analyst found that our mortgage had been handled improperly and are looking for relief. The big " Banksters '' were bailed out with our tax dollars. The States fined the banks and won money from the banks. I am an individual working to be a good citizen. I want to know where my bailout is??? Please read attached Forensic report for more information.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-16

Hicksville, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response