HSBC NORTH AMERICA HOLDINGS INC

2015-12-02

Queens, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: To whom it may concern, I have a mortgage loan with HSBC. The initial loan # was XXXX, the property address is XXXX XXXX XXXX, XXXX XXXX NY XXXX. The mailing address is the same XXXX XXXX XXXX, XXXX XXXX NY XXXX as the property address. HSBC changed the loan # to XXXX after XXXX XXXX and changed the mailing address to XXXX XXXX XXXX without my consent. The mailing address XXXX XXXX XXXX is not available now. I had lost lots of mails from HSBC including the XXXX forms, payment adjustment etc documents. So I called HSBC to change the mailing address to the property address XXXX where I am living in XXXX XXXX. However, HSBC refused to change the mailing address and continue to send all mails to the unavailable address XXXX XXXX. Therefore I filed complain to XXXX of NY XXXX in XXXX XXXX. In HSBC 's response letter to XXXX of NYS, it stated that the initial mailing address was XXXX so they can not change the mailing address no matter whether or not I received the mails. That is more ridiculous that I asked them to email me if they could not mail the XXXX forms or other letters to the property address. The response was NO! They said that they had to mail all letters statement to the existing mail address., no matter whether you could receive them. I am very angry and surprise for HSBC service and practice. Especially, recently, they gave me a number of harassment calls. They made the lies that this is a collect debt call because I owed the mortgage payment and I owed the mortgage payment to {$5500.00} etc. The fact is that I pay the mortgage {$2700.00} /month and never be later. I checked the bank payment recording that I paid the mortgage {$2700.00} for every month XXXX including XXXX, XXXX, XXXX, XXXX XXXX. How can I owe the payment to {$5500.00}. HSBC, obviously, cheated the client to make benefit. I require XXXX and CFPB ( Consumer Financial Protection Bureau ) to investigate HSBC. The issue raised here is that HSBC refuses to change the mailing address and keeps mailing all statements and corresponding letters to the address I could not receive them. Then they made the rumor and benefits for them. I require CFPB revoke the license of HSBC in XXXX XXXX because they are not capable to do business. It never happened to a bank that did not allow to change mailing address. Meanwhile I claim the lose of missed letters for {$100000.00} against HSBC because my personal information were exposed in miss letters. TrulyXXXX XXXX, the Owner of the Property
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

South Florida, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: On XXXX XXXX, 2015 PHH Mortgage was faxed Notice of representation for XXXX XXXX XXXX requesting all correspondence be directed to our office as their legal counsel. On XXXX XXXX, 2015 a financial package was submitted to PHH Mortgage. PHH Mortgage did not send a confirmation of receipt of the financial package as required due to it being submitted 37 days prior to a sale date. A missing documents letter was not issued or sent to our office until XXXX XXXX via email from the banks attorney. PHH Mortgage has prevented the client from being reviewed for a loan modification by placing the file in a litigation status which prevents the client from communicating directly with PHH Mortgage. Our office has repeatedly requested updates from opposing counsel XXXX, XXXX and XXXX, XXXX. to no avail. After repeated request I was emailed a denial dated XXXX/XXXX/2015 on XXXX XXXX, 2015 almost 2 months after the denial. This also prevented the client from filing any appeal for the denial as it was provided well after the allowable dispute period. PHH Mortgage has not reviewed the file for a loan modification, has not provided a proper missing documents letter, did not provide the denial letter in a timely manner and has proceeded to schedule a sale date. Sale date must be postponed while the client is reviewed for a loan modification since PHH Mortgage has prevented the client from being reviewed for a loan modification since XXXX XXXX 2015.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Arco, CA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Penn Yan, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-12-01

Bayside, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

TX

Other

Credit card:

Complaint: HSBC Bank USA , NA refused to issue a credit balance refund, upon receipt of a written request from me ( the account owner ), stating as their excuse that there was an outstanding XXXXmonth-old 'security hold ' on the account. ( This credit card account had been 'hijacked ' in XXXX 2015. HSBC was not able to resolve account security issues to my satisfaction so I decided to close the account but, first, I needed the credit balance refunded. ) HSBC refused to issue the credit balance refund, as required by Regulation Z XXXX, unless I first lifted the 'security hold ' ; Regulation Z does n't appear to allow that exception. We lifted and immediately reinstated the 'security hold ', as HSBC required and, supposedly, the credit balance refund request is now being processed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Plattekill, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

MI

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I had a credit card through HSBC. I was paying on it, then I was taken off of work because of a XXXX in car accident. I had XXXX, then they found other injuries and medical problems. I have since tried to get back on my feet but still have problems. I have since tried to pay and in the last 2 months have paid well over {$100.00} toward this debt, receiving letters back from the collection agency thanking me for my payment.Copies of these letters are enclosed. I have continually asked for the summons I was served with to be dropped because it would ruin my credit and I had made honest attempts to pay. I was ignored. I have a lot of comprehension problems. Because of this, the company has my permission to also communicate with my parents with this debt. But I preferred to do all of this by writing so we can have the information in writing. The letters I have got thanking me for my payments have mentioned in the left corner " HSBC '' company, yet I am told they no longer have this account. I have been making several attempts to pay my debt.Again, I have been ignored and was now served with a judgement that has now ruined my credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Mortgage fraud - appraisal fraud - responses that are lies and CFPB that does absolutely nothing.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-30

KY

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Complaint: Bankruptcy CHXXXX in XX/XX/XXXX, last payments XX/XX/XXXX. Had acct w/Beneficial/Household Finance in XX/XX/XXXX. Paid XX/XX/XXXX. I do n't remember this but Bankruptcy CR in XX/XX/XXXX showed another loan opened in XX/XX/XXXX for {$15000.00}. This XXXX not shown on XX/XX/XXXX XXXX. Payments were made to Beneficial thru the court starting XX/XX/XXXX with last being XX/XX/XXXX. This acct not shown on XXXX XX/XX/XXXX. As of XX/XX/XXXX a new account appeared delinquent on XXXX from XXXX, opened in " XX/XX/XXXX '' last pymnt XX/XX/XXXX, charged off {$10000.00} " reported XXXX XXXX '' meaning they are re aging this as well as claiming the account as theirs. Nothing stating it was in Bankruptcy.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-30

Berthoud, CO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I recently reviewed my Deed of Trust and Release of Deed of Trust on my property located in XXXX XXXX Colorado XXXX. In reviewing it I found a Deed of Trust was filed in or around XX/XX/XXXX which was paid. In XX/XX/XXXX all mortgages were paid in full on my property. Using the information from my XXXX from the mortgage company I sent a letter requesting this be resolved. I sent it Certified Return Receipts. On XXXX XXXX the letter was returned marked no forwarding address. The Mortgage Lender in question is Beneficial Finance and Subsidiaries the address listed on the XXXX was in XXXX NY. I also have attempted to reach them via an internet search and the XXXX number listed on the web site goes to an advertising organization. I have also found an address of Attn : XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. https XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Chester, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-27

West Harrison, NY

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-27

Del Rosa, CA

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: Yes Timely Response

2015-11-27

Nyc, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: My ATM card 's expiration date was XXXX 2014. When I did not receive my new card by mid XXXX Istopped in XXXX branches over the course of two weeks, XXXX XXXX XXXX, XXXX XXXX and XXXX. I never requested over-draft protection, but I received this letter rejecting my application. When Iinquired about this issue, the XXXX XXXX XXXX explained that over-draft protection isautomatlcally applled for when you renew your ATM card. I have never had this happen before and I'vebeen banking with you for at least eight years. I was also told that a credit check was not done, but that was not true.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Henderson, NV

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-25

Asheville, NC

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-11-25

Wallington, NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: locked my debit account for no reasonno /rude customer service
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-24

Fort Stewart, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Carrollwood, FL

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-24

Lk Buena Vis, FL

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: First they called me and left an unintelligible message. The next day they called my XXXX mother in another state and told her there was a warrant for my arrest. Then I called the number and was repeatedly transfered receiving different information at each step, " it was a subpoena, '' it was a " civil suit. '' Finally was transfered to " director of litigations XXXX XXXX '' who belittled, insulted, and implied they would sue me, trying to extort at least {$200.00} before I finally hung up.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I opened up XXXX mortgages with HSBC. Part of the agreement for getting a preferred rate was to open also a XXXX XXXX and deposit {$100000.00} which would get an interest of 0.01 % because they were giving me such a great mortgage rate. They also said if the account dropped below $ XXXX that I would be penalized {$50.00}. Since the loan and the account were connected it was assumed that when I refinanced with another bank that the stipulations would end with the mortgage loan from HSBC. But, it turned out that they continued to deduct $ XXXX/month for 2 months after I ended our mortgage relationship. Point2 : It was an exchange of interest points between lower mortgage rates and a LOW interest rate on my money to wash the cost of the money against $ XXXX sitting idle in the account. Point2 : The account and the mortgage were linked and should have been separated when I move my banking. Point3 : I spoke with XXXX XXXX XXXX who basically said it did not matter that I moved my mortgage that the account has a mandatory limit regardless of the mortgage position. This makes no sense to me, I 'm not a banker.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Bronx, NY

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Groton, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response