HSBC NORTH AMERICA HOLDINGS INC

2015-09-18

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-18

Oakland, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-18

OH

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Hello, We have a loan w/ HSBC and have been making payments since XXXX 2005, our original loan amt at that time was {$19000.00} and it is currently {$20000.00}. I have had to pay XXXX dollars in fees. I had paid the fees then told there were more, after review the new fees were removed. I wanted to see if there was someone that could review our acct as we are not understanding as to why our balance has in fact gone up. We feel that this loan is impossible to payoff. Thank you for your help!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-18

CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX XXXX has reported false information. They have illegally re-aged this debt. The original debt from HSBC Bank was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with XXXX XXXX or HSBC Bank. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX. XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. I would also like to report to CFPB to notice it says original creditor HSBC Bank Nevada when in truth it is just HSBC Bank. Are they both the same or is that just another scheme. ThanksXXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-18

Portland, OR

Communication tactics

Debt collection: Credit card

Called outside of 8am-9pm
Complaint: Claim to be XXXX and XXXX, but will NOT give me an address to send a letter requesting proof of debt. Called at XXXX in the morning on XXXX occasions, have claimed to be a legal office, an investigator, etc. Have threatened to garnish my wages, and when I told them they ca n't do that without taking me to court and proving the validity of the debt, they wo n't give me any more information. I 've received nothing in writing AT ALL. They have told me to go home and wait for my summons, but wo n't give me any more information. Illegal on soooooo many levels.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Federal Way, WA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I did not receive a notice of the right to dispute the debt XXXX claims that I owe. I have disputed the debt multiple times, recently over the last year, and have only received a notice saying that they have validated the debt and will not dispute it again. They completely left me " in the dark '' to take their word for it that the debt is valid, without providing any documentation. Where is my hard copy documentation? How did they validate a debt? Where is proof of the balance? Where is the payment date proof? During XXXX of my attempts to dispute the information via the credit bureaus, XXXX XXXX XXXX even sent me a letter offering me a settlement amount, DURING a dispute, and according to my credit report ( which they say is valid without providing proof ) is PAST the statute of limitations. After disputing the debt account with the original creditor listed, they removed the account from my credit, but portfolio recovery associates refuses to respond properly to my dispute efforts.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Brandy Station, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Shulerville, SC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Randolph, AL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Abilene, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Hamburg, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: HSBC mortgage is refusing to update my credit file to reflect my mortgage was an account in good standing, never late that was transferred to another servicer- ( XXXX ). They are incorrectly reporting that this mortgage as having been discharged through chapter XXXX bankruptcy, delinquent and derogatory. There has NEVER been a late or missed payment on this account and it was NOT discharged in bankruptcy. I sent XXXX and XXXX XXXX a copy of my schedule F bankruptcy petition to show the list of creditors that WERE included, paid for and discharged by the chapter XXXX bankruptcy as proof and they didnt update the report either. Only XXXX agency-XXXX updated all the records on my file and is reporting everything correctly. HSBC has been sending me letters of apology from their credit retraction department saying this would be fixed and my credit history restored since XXXX of 2014 and it has not been done to date. After speaking with HSBC bank again today they advised me since I had filed a bankruptcy petition they had a right to report the loan as derogatory and discharged because I had a bankruptcy that was discharged-regardless of the fact that the loan was not included, paid, scheduled to be paid or discharged by the chapter XXXX trustee. Also regardless of the fact that it was always paid on time-never delinquent or derogatory. I was advised by HSBC they could report the loan as derogatory and delinquent just because I filed a bankruptcy. They are refusing to correctly report the status of my loan which is hurting me financially. I am a landlord and can not refinance my properties to purchase additional properties due to this incorrect derogatory information that HSBC mortgage is maliciously reporting. HSBC has now also had their servicer- mortgage service center CHANGE information on my credit report to reflect my current mortgage with them is now CLOSED and DISCHARGED thru bankruptcy! My XXXX credit score just went down to a XXXX because of actions HSBC bank has maliciously taken! I have other mortgages with other banks and have not had this problem with them. I asked HSBC to prove ( validate ) when my account was ever late, delinquent, derogatory or discharged thru chapter XXXX bankruptcy and was advised by representative " XXXX '' at XXXX that " its not their job to prove anything to me. '' Its HSBC Mortgage 's JOB to ACCURATELY report the STATUS of my loan and payment history to the credit bureaus-XXXX and XXXX- which they are refusing to do. If they insist that this loan was a derogatory, negative, delinquent account that was discharged through bankruptcy then I want them to prove when it was delinquent, negative or derogatory and to also prove that it was discharged in bankruptcy. I was able to choose who I wanted to include in my chapter XXXX bankruptcy-because those were creditors that were being paid by the trustee. I did n't have to include accounts in good standing as they were not accounts in default that I needed to put on a payment plan. I had XXXX mortgages discharged in my bankruptcy, they were stripped from my properties even though they were lien holders. HSBC was not XXXX of them or they would have been stripped as well!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Arco, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My payments was XXXX to HSBC and somehow a different company received my payments. When I got the check I back, I XXXX it back with an address on their statement. I told HSBC to send an update statement to assure that my accounts was up to date. Never heard from them. My statement keep showing past due amounts and when I finally hear back from a rep they tell me my accounts is only the current payment due, so I ask for a current statement and I never get it. I 'm so stress and ca n't sleep..
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Nyc, NY

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We refinanced our apartment in the XXXX XXXX with HSBC. The process took a long time - since XXXX - with HSBC constantly coming up with many inquiries, which we responded to within a short time ( usually same day ). Everything was going fine, but we were out of the country when the closing happened XXXX our daughter had POA to sign the papers ). At the last minute ( after we had agreed on all the details of the closing XXXX, HSBC added a {$4000.00} charge to the closing costs, without our permission.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Wallington, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XXXX I took out a 30 year mortgage with HSBC at 5.875 %. Subsequently the market crashed and the condo price has decreased and thus I am upside down even at today 's ( XXXX ) market value. I had contacted HSBC in XXXX and did so now and the answer remains that same that since the loan is not backed by XXXX/FHA hence there is no recourse for me to use XXXX HAMP. While almost every of my neighbours have used XXXX to their advantage I am still stuck at the higher rate and PMI. Luckily I do not have problem in making the making the loan payment but I would like to take advantage of a lower rate as available for ordinary consumers.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Jamaica, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Blaine, MN

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

Glendale, CO

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I 've gotten a couple calls from XXXX telling me there going to serve me papers on a debt that was discharged from bankruptcy. ive told them its been discharged and its past SOL I was told that I could prove it in court then
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-14

Manhattan, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-14

San Francisco, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-14

Fleetwood, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

Bronx, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

Vernon, WI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-11

North Kortright, NY

Settlement process and costs

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

Lewiston, ME

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response