HSBC NORTH AMERICA HOLDINGS INC

2015-10-21

San Mateo, CA

Customer service / Customer relations

Credit card:

Complaint: For the second time in a whole I had my HSBC Mastercard cloned and the bank is going to replace the card. The problem I see is that for verification purposes, they ask ton of questions but for the people who used the card more than once, they ask no question. They should improve the card security questions to avoid fraud over and over. Then you call to request a dispute, and they want you to give them specific information from last statement with amount and date. I do n't even print statements nowadays to save paper, and the Call Center wants you to tell them by the cent.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Florence, KY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-21

MA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XXXX bank continues to list a fraudulent account on my XXXX credit report. this account was not opened by, nor used by me. XXXX continues to list this account without ever providing any documents showing my signature. this fraudulent account is preventing me from obtaining credit. the partial account number XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Tampa, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was a victim of identity theft and as a result of this, all of my information and credit cards were compromised. I tried to reach out to XXXX several times over the years requesting documentation regarding these charges due to fraud and received no assistance other than being advised that the account has been sold. I reached out to the collection agency know as XXXX XXXX XXXX ; XXXX XXXX and was advised to provide documentation to them regarding the Fraud, Identity Theft and as a result, they have removed the accounts from my credit report due to fraud. I would like for XXXX to remove the accounts from my credit report as well. account numbers are XXXX and XXXX Your assistance in this matter is greatly appreciated. Thank you, XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Jackson, MI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Beverly, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Christmas, FL

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: No Timely Response

2015-10-20

Cottonwd Hgts, UT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Bronx, NY

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Complaint: The original creditor sold the debt to more than one collection agency. I was making payment but I stopped making the payment as soon as these agencies started to contacting me about the same account. One of the collection agency took me to court and I showed the judge all the document to prove my statement. The judge grand me the case and dismissed without prejudice. Therefore, another collection agency has been calling me on my job harassing me and threatening to collect the money from my employment. I tried to explained them that they ca n't do that without a court notice since I was already in court on XXXX 2012 and won the case. But the man was very rude and refused to listen to what I had to say. Please assist me with this matter as soon as possible.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-19

Rockaway Beach, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-19

Huntingtn Bch, CA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-19

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-18

Firestone, CO

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-16

Fairport, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-16

Bardstown, KY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-16

Lancaster, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-16

Boston, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I took out a mortgage with HSBC to buy my home XX/XX/XXXX.all payments I make electronically from my bank account.it always shows the date withdrawn, the date received and a confirmation number.back around XX/XX/XXXX HSBC wrote me and stated I should start sending my mortgage payments to XXXX XXXX.I started paying XXXX XXXX electronically from my bank account.XXXX has been sporadically reporting me late to the credit bureau even though they receive these payments on time. I contacted them and was told that HSBC and XXXX are the same company and that they are very busy but it will be straightened out.They have done nothing to correct this error.HSBC has been taking my mortgage payments for 5 years hold them and then reporting them late. I believe the reason they do this is to damage my credit stopping me from refinancing out of their loan.I am not alone in this practice.there are XXXX 's of compalints online about HSBC and XXXX mortgage. HSBC owns my mortgage.They make me send my payments to XXXX mortgage and then they report me late to the credit bureaus using the name Mortgage service center.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-16

Tampa, FL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX XXXX bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XX/XX/XXXX, the statue of limitation is expired and should be removed from my credit bureaus. XXXX XXXX XXXX. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by XXXX XXXX to the account to bring the account current. XXXX XXXX then proceeded threaten to suit me and finally file a law suit against me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-16

Rncho Domingz, CA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened a saving account 5 year ago in HSBC XXXX and I have a XXXX credit card with them. I have more than 2 year without use my saving account because I supose that I will use my money when I need it. I have two months that I tried to transfer money to XXXX for XXXX friend before I came XXXX and I ca n't do it. I wrote and call several times to the HSBC XXXX and they request to me to send a letter signed with my XXXX copy in order to activate my saving account, I sent it since XX/XX/XXXX2015 by XXXX courier and was received ( I have the received confirmation ) and till now they do n't solve it. I went to the HSBC branch XXXX in California and they told me that they ca n't do nothing because my account XXXX. That is the big problem, because Nobody in HSBC do something to solve it. HSBC have a secure Internet system called " Contact Center '' which I always use to bring instructions to HSBC regarding security process like unlock my credit card to be used XXXX which I have plan to visit and for increase my daily withdrawal limit in ATM XXXX. All my data is linked to my accounts in HSBC XXXX the XXXX Card Credit and the Saving account ) that why I not understand how I can use my credit card ( I 've already purchased a mobile number here XXXX ) and I be personally in XXXX HSBC branch here XXXX and they have my saving account locked yet. I 've really facing off problem here because I need to have access to my money and make transfers to my credit card for buy food and I can not. Please help me
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-16

Leeton, UT

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: I 'm attempting to refinance my mortgage to pay off my first mortgage with XXXX XXXX and a Home Equity Loan with HSBC that I 've had for more than nine years. My broker has submitted XXXX different requests via fax to HSBC for pay-off, verification of mortgage and transaction history, starting on XXXX XXXX, 2015, and as of XXXX XXXX, 2015, we have not received the necessary documentation from HSBC for the underwriter to approve the loan. HSBC has not been responsive to me or my broker with the request for information about my loan with them. After more than one month of trying to get this information, I just talked XXXX XXXX XXXX/XXXX/2015 at XXXX XXXX XXXX at HSBC and she is telling me they are still researching. Her answer to my question of how long does it usually take to respond to these type of requests. " She said it normally took 30 days and it was pointed out that it had been more than 30 days. We have urged that this a time sensitive issue as we had planned a closing on the new loan within a month of the application, but it 's been more than a month since the original request for information went into HSBC and still getting the same answer that I received on my previous call to HSBC on XXXX/XXXX/15. The time frame indicated by the HSBC representative today and how long it has taken to respond to consumer 's needs is unacceptable.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Bayonne, NJ

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Springfield, MO

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Asheville, NC

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Brooksville, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Dunnellon, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response