HSBC NORTH AMERICA HOLDINGS INC

2015-11-13

New Rochelle, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Venus, PA

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Mount Pleasant, SC

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-11

Ft Myers, FL

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: XXXX called my place of employment and told my Assistant that they needed to speak to me in regards to serving me papers. They claimed not to know what the policies at work were but wanted to find out from me. She got a name and number. XXXX XXXX XXXX ext. XXXX. I called XXXX XXXX back and she told me that if I did n't pay on an old debt within 72 hours I would be served papers and would have to respond to my local courthouse within 72 hours. This debt is for {$2800.00} from an old credit card that I had disputed since XX/XX/XXXX. She offered to settle with me for {$2100.00}. She was going to send me an email with the offer and then I asked her to validate the debt and she said sure thing but I must respond by XXXX today or the deal off of the table and I would be served. It is XXXX on XX/XX/XXXX and I have not received an email. She also stated that they sent me a letter 6 weeks ago offering me a deal to pay off the bad debt. I never received the letter and asked why she did n't send it certified and she said they do not do that. When I spoke to XXXX she did n't tell me what company she was with nor did she give me an address. What bothers me the most is that she called my place of employment. She asked my assistant what the procedures were at my place of employment so they could serve me papers and of course now my assistant believes I must be in some sort of civil or criminal trouble.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-11

NY

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: It 's not so much a mortgage complaint, it 's an alleged home equity loan that my now deceased mother n law took out in 2003. The bank ( HSBC ) claims she took out this alleged loan for XXXX and they can not show us any proof of the loan. We have ask for all types of documents that support this claim and no one ca n't produce any documents. This has been thrown out of court XXXX times and now they are trying to foreclose and take our home. Please help us!
Company Response: Closed with explanation

Disputed: No Untimely Response

2015-11-11

CA

Billing statement

Credit card:

Complaint: HSBC Bank enrolled me in paperless statements without my knowledge, approval or acceptance. As a result, I never received my paper statement in the mail, which I rely on to ensure I make timely payments, and missed 2 monthly payments. They have now reported my delinquency to the credit bureaus ruining my perfect payment history for over 20+ years. I 'm sure my credit score has been adversely impacted due to the reported delinquency. They did waive the Late Fee, but did not offer to correct my credit bureau report. My request is to correct my credit bureau report to reflect no delinquency as a result of this bank error.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Bohemia, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Odell, OR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Wilson, NC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Henderson, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: IN XX/XX/XXXX I TOOK OUT A LOAN WITH HOUSEHOLD FIN FOR XXXX AND MY PAYMENTS WERE XXXX ON THE XXXX OF THE MONTH ON A FIXED RATE, AT SOME POINT THEY GAVE THE LOAN TO XXXX, I CONT. TO PAY IN XX/XX/XXXX THEY SOLD THE LOAN TO BENAFINICAL AND MY HUSBAND DIED IN XX/XX/XXXX WHICH I CONT TO PAY WHEN I NOTIFY ALL PARTIES INVOLVED THEY SAID THAT MY NAME WAS NOT ON THE LOAN IN WHICH I DID SIGN SO I CONT TO PAY AND THEN THEY RAISED THE LOAN TO XXXX TOLD THEM IT WAS A FIXED RATE SAID NOT THERE PROBLEM PROVE IT AND I JUST CONT TO PAY XX/XX/XXXX THEY TRIED TO RAISE MY LOAN AGAIN TOLD THEM I COULD NOT AFFORD THIS AND THIS LOAN SHOULD BE PAID OFF BY NOW I MADE A PAYMENT IN XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX AND THEN THEY STARTED SENDING ME MY PAYMENTS BACK SAYING THEY ARE GOING TO FORECLOSE ON MY HOUSE TOLD THEM THAT I HAVE PAID THEM OVER XXXX HOW DO I STILL OWE OVER XXXX, THEY SAID THAT THEY CANT TALK TO ME I HIRED A ATTORNEY AND GAVE HIM POWER OF ATTORNEY AND THEY WONT TALK TO HIM, I FEEL AS THOUGH THEY ARE RIPPING ME OFF I NEVER MISSED A PAYMENT EVEN WHEN I DI MY CHAPTER XXXX I CONT TO PAY THEM .. ALL I WANT IS MY PAYMENT HISTORY BECAUSE THEY ARE SAYING THEY WILL SETTLE FOR XXXX I THINK THAT IS A BIT MUCH ON A XXXX XXXX LOAN I AM XXXX YRS OLD AND XXXX I CANT FIGHT THIS ANYMORE AND EVEN THOUGH MY HOUSE IS MY MAIN CONCERN CAN YO U PLEASE HELP ME
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Ballston, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: My wife and I refinanced our mortgage XX/XX/XXXX with HSBC. While at the closing we were informed this was a consolidation, modification? My wife and I were originally under the assumption this was a complete refinance of our mortgage and paying off our line of credit. We started to review our paper work and start to research what should have happened. We were overwhelmed trying to make sense of the laws and regulations for mortgages. We then started to speak with an individual XXXX XXXX XXXX XXXX we met through someone else and he helped to explain this very complicated process a mortgage and promisary note are " suppose '' to go through to be valid. XX/XX/XXXX we ( my wife and I ) decided to sit and speak further XXXX because we were concerned about the future of our mortgage. XXXX sat with us and began to explain what we could do to request the information from HSBC and the laws they ( HSBC ) needed to comply with. Shortly after meeting XXXX he started writing letters to request things to validate our mortgage. We continued to pay our mortgage and requesting information from the Mortgage Company HSBC. They were not compliant in providing the things we asked for. We are looking to file a complaint against HSBCXXXXMortgage Services Center for not complying with the " Fair Debt Collections Practices ( FDCPA ) '', " Real Estate Settlement Procedures Act '', " XXXX XXXX Act and violations of the XXXX Reform and Consumer Protection Act.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

Niverville, NY

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-09

WA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: HSBC Bank was a revolving credit account I opened in XX/XX/XXXX. I filed for XXXX XXXX Bankruptcy on : XX/XX/XXXX, and HSBC was included in the filing. I paid on this account for over two years after filing bankruptcy until HSBC Bank discovered I filed for bankruptcy two years previous, and my account was closed. The closing date that this account was reported to XXXX was XX/XX/XXXX, which should have been corrected as : XX/XX/XXXX. I sent previous letters to HSBC Bank with no response. My most recent letter was faxed to their correspondence department on : XX/XX/XXXX, and I have never received any response from HSBC or to XXXX. I requested that HSBC contact XXXX regarding the error to update, and correct the closing date so XXXX will delete the account with HSBC Bank from my XXXX file. XXXX has never had any contact by HSBC to remedy this correction. HSBC Bank has been the most difficult business as they will not respond to my letters, and after charging-off my account, they generated XXXX electronic checks, and withdrew funds from my personal checking account without my knowledge or authorization in XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-09

Cumberland, MD

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-08

Warren, RI

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-07

So Effingham, NH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Old Westfield, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Erie, PA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Beaulieus Corner, VT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

GA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: 1. Despite confirming that I will be visiting the branch to collect the new account package, the relationship manager sent it through mail which caused significant delay in getting access to the account after it is funded. Email communication can be provided as evidence as needed2. After attempting to activate my online account through https : //www.us.hsbc.com/1/2/home/personal-banking on XXXX XXXX, no XXXX password was received as of XXXX XXXX despite the XXXX hours delivery Service Level commitment which is likely due to system fault as discussed with various HSBC staff3 . Relationship manager sent highly sensitive Personally Identifiable customer confidential info ( name, account number, address, Social Security Number ) through an unencrypted zip file attached to an email in violation of HSBC information security policy and industry best practices / regulations ( e.g. XXXX ), putting customer security and privacy at significant risk. Such information was never requested by me and Email communication can be provided as evidence as needed4. During customer support call on XXXX XXXX, customer service staff provided falsified information regarding the password delivery time by stating it will be delivered to my mobile device within XXXX minutes ( where it should be XXXX hours ) with the sole intention of ending the support call without resolution5. During the second support call on XXXX XXXX, customer service supervisor confirmed a call back from a US-based support staff with knowledge of my case and resolution at XXXX EST on XXXX XXXX. However, no attempt was made to contact me until I initiated contact with HSBC later that day. The supervisor also provided a non-existent / falsified customer service case number with the intention of ending the support call without resolution. All subsequent HSBC staff that I contacted has no knowledge of the nature of the incident / complaint demonstrating significant communication issue between onshore and offshore ( XXXX ) support teams6. As of XXXX EST XXXX XXXX ( 7 days after account creation ), the bank has not offered any means to access the account placing customer funds at risk
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-05

Hamilton, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Cuyahoga Falls, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-05

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response