HSBC NORTH AMERICA HOLDINGS INC

2015-12-16

Hornell, NY

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Brooklyn, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-15

Morristown, NJ

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-15

Auburn Township, OH

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-15

Manhattan, NY

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-15

East Elmhurst, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-15

AZ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My wife and I received a call from a person identifying herself as XXXX XXXX, an employee of HSBC Beneficial and employed in the Underwriting Department. She contacted us regarding an offer to modify our loan and faxed us XXXX pages of information describing the process. The information we received stated that our monthly mortgage payments would be reduced by several hundred dollars as well as the interest rate. The information stated that we would first have to make 3 trial payments of {$880.00} beginning on XXXX/XXXX/2015. The next 2 payments would be due on the XXXX of the month for the same amount. I asked XXXX XXXX for an address in order to give to my bank to set up the payments. She stated she would call us back XX/XX/XXXX to give us the address to send the payments. It sounds too good to be true since we had just completed a modification a few months ago with HSBC. I also had difficulty understanding the person I spoke with because of her foreign accent. Can anyone shed some light on this?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-15

CA

Closing/Cancelling account

Credit card:

Complaint: I cancel the credit card because I was unhappy with the customer service and the business practice. The credit card was cancelled XX/XX/XXXX but despite numerous attempts to close the credit card account ( each time I was told the error had been corrected, the account was closed with XXXX balance ). These attempts including reach out to Consumer Financial Protection agency ( Case # XXXX & XXXX ). So far, I have XXXX written confirmation letters from HSBC pertaining to the closing of credit card. But despite the confirmation letters, HSBC decides to harass me yet again about the account that I close XX/XX/XXXX and demand payments. There is very little an individual can do against a big financial institution like HSBC. I was diligent in making payments, contacting the bank to close the account and I have the letters from HSBC confining it is close. But none of this matter when HSBC can decide to send me a statement demanding payment and and resume the harrassments. Even letter from HSBC with the agency case number does not stop the bank to come after me again.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-15

Watkins, CO

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. XXXX XXXX XXXX, XXXX and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account XXXX had purchased that was originally a credit card from HSBC XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` gangster-like '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-14

Port Chester, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-14

MD

Other

Credit card:

Complaint: I have disputed this item multiple times but have not been successful with getting the file update. HSBC is reporting as a charge off but sent me a letter advising that the account was sold to another company. If this is the case my file should have been updated to report transferred. For five years HSBC has reported incorrect information. I have disputed this file numerous times with XXXX but have not been successful with getting this account to report correctly. Per the FCRA if an account is sold or transferred you can not report the account as a charge off. This reporting has affected my credit in a major way and has caused me to be denied time after time for new credit. HSBC and XXXX should be repsonsible for all damages caused due to there failure to report accurate information.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-13

Tonawanda, NY

Forbearance / Workout plans

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-12

Kahului, HI

Managing, opening, or closing account

Prepaid card: General purpose card

Complaint: I applied and received a secured credit card from " HSBC BANK '', around XXXX, XXXX. After Closing account by phone notification, and offsetting credit balance by sufficient security funds held by HSBC BANK I deposited for the credit card, HSBC BANK continued to accrue interest and penalties against my credit balance. Years later, I discovered on my credit report an outstanding balance reported by HSBC BANK, and sold to other collection companies to perpetuate an updated date of debt beyond the 7 year limit of the law ( XXXX to XXXX ). I do not owe any principle balance or interest/penalties created by HSBC BANK or collectors that I resolved upon cancelling this credit card. My security more than offset any outstanding balance
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-11

FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: CASE # XXXX ( MORTGAGE LOAN # XXXX ). The response letter dated XXXX XXXX, 2015 from HSBC/XXXX XXXX did not address the problem raised by me. The form for " payoff '' claimed to be mailed XXXX/XXXX/15 by XXXX XXXX and also mailed by XXXX XXXX XX/XX/2015..none of those was ever received. XXXX XXXX, 2015 spoke with XXXX XXXX, who said she was awaiting the return of UNDELIVERED MAIL TO ME. Failure to provide copies of those XXXX pieces undelivered mail with notations by Postal Carrier on envelope citing reasons. Failure to also address XXXX XXXX questioning my ability, comparing me with others who may have failed to " payoff '' after receiving statement of high payoff amount. My response to her " why comparing me with others '' ..all of these conversations by phone 'recorded '' for records. She went beyond her bounds questioning my payoff abilities. I am claiming a refund of interest {$39.00} for HSBC/XXXX failure to promptly provide the " payoff '' info requested ... that took me XXXX different times ( XXXX by letter/note, XXXX by phone calls. XXXX XXXX XXXX 's XXXX XXXX, 2015 letter stated " late fees " in amount of {$42.00} assessed with transaction code # XXXX. Since establishing this HELOC, I was never late making payments.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

New Brunswick, NJ

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-11

Ridley Park, PA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX XXXX was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Austin, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I began using HSBC in XXXX when I opened a credit card and debit account. I had a great experience with them while I was a XXXX customer. Once I changed my account to a standard level ( because I was n't meeting the minimum dollar amount in the account ), many things began to go wrong. I was n't very happy with their services, their representatives were often giving me incorrect information, I would get different answers from different representatives etc. Nevertheless, I decided to only close my checking account but keep my credit card open and not use it since I did n't want it affecting my score by closing it. The last time I had used the card was around XXXX XXXX. It was n't until I received a statement in the mail for XXXX XXXX XXXX - XXXX XXXX XXXX ( see attached ) for {$22.00} for a purchase at " XXXX Web XXXX XXXX '', that I decided to close my final HSBC credit card account. I called HSBC asking first, why this charge was n't blocked ( I do not live in XXXX nor have I been there in the past year ), why it was n't detected as fraud, and why I was n't notified. While speaking on the phone, the representative proceeded to tell me she saw there were several attempted charges in the past two weeks in XXXX, and some at XXXX here in the XXXX. She asked me if any of them were me. I said no, I do not live there and I never shop at XXXX. I was concerned because no one had contacted me about the attempted use of the card in different locations. I asked her to please close to card for me over the phone. She told me it could n't be done because they had to investigate the {$22.00} charge first. Unhappily I agreed to wait. Instead of closing the account ( ending in XXXX ) permanently like I had asked her to, the representative decided to send me a new card with a new account ( ending in XXXX, opened end of XXXX XXXX ). One week later, they sent me some papers to fill out and send back to them regarding the fraud claim form ( see attached ) which I did. When I realized she had opened a new account for me I called and asked her to close it, again and instructed her not to reopen another card. After being hung up on, and transferred to different departments several times, I finally got someone on the line who was willing to close the account for me. I received a letter confirming that the account XXXX was closed permanently with no new accounts to be opened ( see attached ). While checking my account profile online, their website shows that I have XXXX accounts open : XXXX ending in XXXX, XXXX, and XXXX. After asking several representatives why they were showing online, no one could give me a straight answer, but they confirmed they were all closed. Just in case, I called different HSBC local branches to confirm that I had no existing accounts with the bank. All of this happened around the beginning of XXXX XXXX. Today I received a letter ( see attached ) in the mail stating that the investigation of the fraud is now complete, and the activity has been confirmed as unauthorized. The letter also says that a credit will be applied for {$22.00} to my NEW account ending in XXXX. At this point, I do n't know what else to do. I have been trying to close my HSBC credit card account for the past 3 months. I am concerned they are messing up my credit score and information. I want them delete all of my information from their databases and remove all accounts that are showing online. I want to know what is going on.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Silver Spring, MD

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: No Timely Response

2015-12-09

Brentwood, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Bronx, NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Dallas, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-09

Taft, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Roseville, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Jefferson, WV

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Houston, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response