HSBC NORTH AMERICA HOLDINGS INC

2015-09-30

IN

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: We have never had a loan with HSBC XXXX. When I phoned XXXX and inquired WHY this is on my report and WHAT is it - they basically told me they purchased the debt account from HSBC and did n't have full details available to share. That is unacceptable. This is very unfair to have this negatively impacting my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Albany, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Oakland, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Chesterbrook, PA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Farmington, MN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Sioux Falls, SD

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

Lexington, NC

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Joint account with HSBC. The primary holder passed away, and this Bank found numerous ways to prevent the other holder from getting her money, including canceling a Bank to Bank transfer because the name was not exactly the same. The next week they mailed a check but somehow sent it to a wrong made up address and name. This is now 1 month after the other person passed away and the second person still does not have her money and she is a senior citizen. All paperwork was mailed out or faxed to them with current names, addresses, numbers, id, and poa. This bank is very suspicious and shady in its financial dealings.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

North Hollywood, CA

Other

Credit card:

Complaint: I found out that there 's a debt on my credit report that do n't belong to me. Last year ago we spent day and hours to get it corrected. We received a letter from HSBC and they removed me from every account. This year again, they put it on my credit report. Please see attached document.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

San Francisco, CA

Arbitration

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Haldeman, KY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Using a debit or ATM card

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Lewiston, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Arvada, CO

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Requested Payoff from HSBS XXXX. They refused because of signature. Several attempts later we are still waiting on a payoff. Title Company faxed the request again yesterday with signatures. I faxed a signed request directly to HSBC at XXXX today as a dual request. The mortgage company does n't have either request on hand. While ALL of this is going on, HSBC is charging me MORE and MORE money every day. The law states 7 days for a payoff - it 's been a MONTH. I as the consumer can NOT refinance without HSBC providing a payoff.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

South Florida, FL

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I was called to the office by my XXXX. I was advised that I needed to contact this company to avoid Legal Court Papers being served at my place of employment. To avoid this legal action I needed to contact their office. When I contacted to avoid this harassment they indicated they wanted to settle to avoid taking legal actions against me. This credit card is over 10 years old.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Brockton, MA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

New Britain, CT

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Hamburg, MN

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2015-09-24

Manhattan, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Fruit Cove, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Versailles, KY

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Key Biscayne, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on XXXX XXXX, 2005 was approximately {$360000.00}. I made {$25000.00} worth of principal payments on XXXX XXXX, 2005 and another {$1000.00} in principal payments on XXXX XXXX, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of {$360000.00}. They claim that they will make XXXX only adjustment to monthly payment amounts per year and will require notarized documents in order to do so. Furthermore, if I want to make additional payments against principal, I need to do it before the XXXX of the current month in order to go into effect 45 days later. These are ridiculously deceptive practices. If I pay down the principal of my loan, they should not continue to charge me interest on the previous amount. Furthermore, they should not have to make me jump through hoops such as notarized documents in order to pay down a loan, nor should they hold on to my money for 45 days and still charge me interest on the principal. I have filed a previous complaint to this effect. The company took 2 months to respond and basically told me they were going to follow the same practices as above. They provided no documentation to support their contention that it 's ok for them to hold onto my money and not reduce my payments. They claimed various " processes '' that take more than 6 weeks to execute, even though over the phone, the customer service person was able to compute a new payment amount in less than 5 minutes using a basic mortgage repayment calculator. I would like them to repay the interest on the money they have held onto now since XXXX and allow me to pay down my loan and get the benefit of lower monthly payments, as should be the case.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-24

SC

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: Phone call made to brother with a message on ans machine including personal info ... complaint about to be filed, case #, just things I did n't think was appropriate or a answering machine.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Occoquan, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX 2015 I started an automatic billing using XXXX XXXX for $ XXXX monthly payment is {$2100.00}, mortgage with Beneficial has deferred interest so I sent a letter and email to Beneficial that the remainder of the payment was to be used for the deferred every month, they are not doing that, every month so far they are putting it to principle and ignoring now that the check itself states {$320.00} deferred interest ( XXXX 2015 ) from the bank. I do n't know what else to do to get them to apply the funds to my deferred interest as I was informed I can pay that at any time by simply doing what I am writing on the check how much was to apply for the deferred interest but they are not doing so. Can you help me get this applied to my deferred interest? I am trying to get it paid for its over {$21000.00} and I would like to pay it down or off before the mortgage is paid off. Furthermore, statements are generated on the XXXX of the month, mailed and still requiring payment by the XXXX, I do automatic payment but this is an issue for others and they did do it to me for years causing late fees there has to be some type of requirement that allows for certain amount of time for mailing and processing, they want payments mailed 10 days prior to due date but they are n't mailed out from their end 10day priors to the due date so how can the consumer mail in the payment if we do n't have the bill??? Can you prevent them from sending me harassing letters about my taxes? The past two years I paid them, I received letters that they denied to you previously I have copies stating I did n't pay my taxes which I do, my county takes your income tax refund if you do n't. Contact my County Tax office and since I pay my own they have no way to report that I did n't pay and she stated since I paid why would they report that? Its harassing and now I am exempt as a XXXX veteran I do n't feel I should have to discuss that with them but what if they start to harass me again, they send me letters demanding copies of cancelled checks or they will start foreclosure proceedings. Contacted the Florida office by letter they stated they never did such a thing so I sent them copies of the letters, they never replied, letters came from a Beneficial office in Texas. I am attaching XXXX and XXXX statements you will see that both times they received the {$2500.00} and both times the deferred interest did n't decrease and here is a copy of the recent transaction to include septembers payment : Transactions for Account XXXXDate/Description TotalAmount Principle Interest Escrow Insurance/OptionalProducts Late Charges & Fees UnappliedFundsXXXX/XXXX/2015Unapplied Funds {$320.00} {$320.00} -- - -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$2100.00} {$590.00} {$1500.00} -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$320.00} {$320.00} -- - -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$2100.00} {$530.00} {$1600.00} -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$320.00} {$320.00} -- - -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$2100.00} {$890.00} {$1200.00} -- The unapplied funds for XXXX are supposed to go toward the deferred interest but as you see the same is being done all three times and matches the statements so they did it again in XXXX. Please help me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-24

Hamburg, NY

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I have been divorced since 2006 and my name is still on my ex wife 's mortgage she has had XXXX late payments that are now on my credit report how do I get rid of them?
Company Response: Closed with explanation

Disputed: No Timely Response