HSBC NORTH AMERICA HOLDINGS INC

2015-10-28

Land O' Lakes, FL

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

N Tarrytown, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

Clinton, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

Bridgeboro, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

Seneca, SC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Data central Collections turn a collection over to the credit reporting agents the original debt came from HSBC and i have never did business with that company i have never received a invoice or demand letter to validate the debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-27

Hornell, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

Kachemak, AK

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

North Tunbridge, VT

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-27

Kawaihae, HI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have been repeatedly called by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) and threatened with legal action regarding a debt. I have contacted the company several times and asked for the information regarding the debt. They claim that the debt is from " XXXX XXXX '' which was later acquired by HSBC. They claim that the account was opened on XXXX XXXX, 2009 and charged off in XXXX of 2009 with a balance of {$780.00}. They can not or will not answer what kind of account it was or what the charges to the account were. They have promised to send legal information to my address numerous times. I have verified my address with them and called to see when they are going to finally send the paperwork. It is obvious that they are a last-ditch debt collection agency and when I confront them about it they either hang up, become argumentative or use profanity and abusive language. Any requests for basic information, such as an address, are met with questions, lies and more profanity or abusive language.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-27

Warrenton, VA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-26

Dixon, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

Elizabeth, NJ

Communication tactics

Debt collection: Auto

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-26

Manhattan, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

Green Acres, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

Seneca, SC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( HSBC ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( XXXX XXXX XXXX ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callXXXX XXXX is the one that reported it to all three credit reporting agents, i want proof of this debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-25

Hollywood, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-25

Portland, OR

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-24

Lake View, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: PRETEND LENDER-HSBC BANK USA, XXXX sold by HSBC NOT THE REAL PARTY NOR HOLDEROF THE NOTE NOR DEED-XXXX XXXX & XXXX 'S filed by XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX : Notice of Error & Request for Information/NOTICE TO FILE COMPLAINT FOR RECISSION, DAMAGES, & JURY _____________________________________________________________________________Filing a False Claim Index No. : XXXX in SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF XXXX filed by XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX & XXXXXXXXXXXX XXXX XXXX extension XXXX to : Mortgage Service Center XXXX XXXX XXXX MD XXXX XXXX : XXXX. XXXX XXXX XXXX Owner of warranty Deed grantee by acceptance Book Type : XXXX XXXX : XXXX Page : XXXX FOR XXXX XXXX PAGE XXXX XXXX XXXX XXXX XXXX COUNTY CLERK 'S OFFICERE : fake loan XXXX lacking standing and not the real party of interest Rule XXXX ( XXXX ) XXXX BalanceRE : Property Address : Care of XXXX XXXX XXXX XXXX New YorkXXXXFormal Notice given File suit under the FDCPA seeking statutory damages of {$2000.00} plus the value of the property XXXX equal to $ XXXX Right of Rescission and lack of Proper NoticeNOTICE OF RIGHT OF RESCISSION/RIGHT TO CANCEL BASED ON FRAUD PRETEND LENDER HSBC BANK USA BREACH OF CONTRACT LACKING FULL DISCLOSURER AND TAX EVASION $ XXXX balance Mortgage on Property Situated at : Care of XXXX XXXX XXXX XXXX New York Affidavit of XXXX XXXX XXXX report forward to IRS XXXX DEPARTMENT IRS FORM XXXX XXXX XXXX Aiding and abetting generally means to somehow assist in the commission of a crime, or to be an accomplice. It involves a plan to commit a crime or to commit acts, the probable consequences of which are criminal ; Tax Evasion and Money Laundering & DOES NOT DEMONSTRATE THE EVIDENCE OF THE DEBTNOTICE TO PRINCIPAL IS NOTICE TO AGENT ; NOTICE TO AGENT IS NOTICE TO PRINCIPALYOU ARE PLACE ON NOTICE XXXX XXXX XXXX XXXX 'S filed by XXXX XXXX & XXXX XXXX XXXX, XXXX. XXXX & A XXXX AT XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX : Notice of Error & Request for Information/NOTICE TO FILE COMPLAINT FOR RECISSION, DAMAGES, & JURY Fraud and racketeering ; Fraud by Wire ; XXXX Conspiracy ; Mail Fraud ; Money Laundering Conspiracy ; Aiding and Abetting ; Securities Fraud ; Filing False Registration With the SEC ; False Filings With the SEC ; Falsification of Books and Records & False Statements 18 USC Section 1001 & FEDERAL BANKING CRIMES 18 USC 4 - Misprision of felonyWhoever, having knowledge of the actual commission of a felony cognizable by a court of the United States, conceals and does not as soon as possible make known the same to some judge or other person in civil or military authority under the United States, shall be fined under this title or imprisoned not more than three years, or both. 18 USC 225 - Continuing financial crimes enterprise,18 USC 215 - Receipt of commissions or gifts for procuring loans,18 USC 241 XXXX Conspiracy against rights,18 USC 656 - Theft, embezzlement, or misapplication by bank officer or employee,18 USC 657 - Lending , credit and insurance institutions,18 USC 1005 - Bank entries , reports and transactionsHSBC DOES NOT HOLD THE DEBT AND SOLD MANY TIMES
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-23

Vicksburg, MI

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-22

Fort Worth, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Philadelphia, PA

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Complaint: on XXXX/XXXX/2015, I filed an dispute with XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .XXXX sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-22

Fred, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-10-22

Lacey, WA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-21

Cadwell, GA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX XXXX, 2015 I paid my Mortgage in full. I followed all of the banks processes and procedures to satisfy this loan. Since that time, I have been waiting for the final documentation from this bank showing that the loan has been paid in full and the lien has been removed from my deed. I have made a number of calls to their customer service department and have been told, both by phone and by letter, I would be receiving the documentation soon. My most recent call was made on XXXX XXXX, 2015 where I was advised that the issue is being escalated and I would be contacted within a week to advise me of the status. I have not. I want all the final documentation showing the Morgage has been satisfied and a copy of my deed showing the lien has been satisfied.
Company Response: Closed with explanation

Disputed: No Timely Response