HSBC NORTH AMERICA HOLDINGS INC

2015-09-11

Flushing, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

Gastonia, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

Dix Hills, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-10

Lakewood, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

Valdosta, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-09

Easton, MD

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

East Rockaway, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Santa Rosa, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Rancho California, CA

Arbitration

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-09

MN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am in foreclosure with HSBC Beneficial. In XXXX, the Office of the Comptroller of the Currency ( OCC ) sued HSBC for failing to meet the requirements of the Independent Foreclosure Review. I filed a complaint with the OCC and they advised me to file a complaint with CFPB. I would like to know what HSBC agreed to do for their mortgagees like myself who were placed in foreclosure with out the proper steps taken.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I 've had an account with HSBC for about XXXX years and in XXXX they began asking me for information to elaborate on my employment, and I have been ignoring their calls and letters because the request is irrelevant to my banking relationship with them. The letters and calls never explained why the information was needed. They noted that they have in their records that my title is listed as " XXXX '' and my employer as the " XXXX ''. They wanted to know XXXX of " what? '' and which agency within XXXX. I truly did n't see why this was necessary information, so I did n't respond, particularly while I was on vacation and dealing with more pressing personal matters. Their last letter said that they needed the info by XXXX XXXX or they would take action by freezing my ATM and internet banking access. So I went to the branch where I opened the account on the XXXX to see what motivated this threatening tone because no XXXX as of then had explained the magnitude of the need for my additional employment data. The customer service representative could n't give me a good reason on why this information was needed, so I asked him to look into it and get back to me. When he called me back later that afternoon, he still could n't give me a good reason but told me that he found my info online and submitted it to satisfy the request. The following morning, XXXX, my wife could n't use our debit card to make purchases. Saturday, XXXX XXXX, I 'm at a restaurant with my wife and XXXX twins, and my card is declined. I have no access to my funds. I returned to the retail branch on Monday the XXXX and demanded that they unfreeze mycards, which they did, and they continued to say they just needed some infofrom me which I continued to decline to give without an explanation. That night my internet banking was n't working and I again had to call customer service and was on the phone for an hour before no one was able to help, and had to return to the branch the next day to unfreeze my internet banking. No one was able to tell me why they had taken such drastic measures tohinder my access to my personal funds. I presume it was to get my attention just to know what my exact title is and what specific city agency I work for. Information that I believe is not necessary for my banking needs being that they already had my title as XXXX, and my understanding is that employment is not necessary to have a bank account. That night, XXXX XXXX, I receive a letter saying that they 're outright closing myaccount on XXXX XXXX with no explanation except citing their Rules ofDeposit Accounts authorizing them to close my account. I had to quickly open an account with another bank and reestablish my automatic direct payments and change my work pay direct deposit. This has been a total abuse of power, disrespectful, and obnoxious on theirpart, and I need to make sure they do n't just go on with their business asif nothing happened while they totally disrespected me and my family. I'vebeen an HSBC client for a long time and I ca n't believe it 's more importantfor them to do this than to respect my loyalty and risk losing me as aclient.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-08

Ladson, SC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-08

Hamburg, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-08

Vicksburg, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-08

Ladson, SC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-08

Northside, NC

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I originally wanted to transfer some funds from XXXX bank account to another bank account. With changes HSBC has made to their online banking and further security procedures in place, you must have a security device and/or download an app on a phone or tablet, which I was not interested in doing. I do n't feel I need to be obligated or responsible for another electronic device or to do banking from an app, especially when the reviews are very poor. I asked to close my account when nothing could be done without signing up for their security device. I have been trying to close this account since XXXX XXXX and today with XXXX XXXX, without success. My address shown on the account was a previous address, which was about five years old and needed to be updated. They would not send the check to my new address ( even though I was able to submit government proof of my new address ). They need to submit the change to a different department and someone from the address or verification department was to contact me within XXXX hours. Five days later, I still had not heard from them. I made several attempts to get this resolved, but they continued to give me the run around. I could not close the account, without the address change, but they would not complete the address change. Today XXXX XX/XX/2015 XXXX, I try again to call to close the account. Now I am told that it will take another two days to close the account. Also, they will send XXXX but that someone needs to be present to sign for the package. I told them that no one is home during the day to sign for the package. I asked if I could have it sent to my office or have the package left at the house without a signature. I am told no. I will have to wait to get the undeliverable notice XXXX, then complete the form XXXX to make delivery arrangements or pick up at the XXXX office, which is not convenient when I get out of work or even open. Basically, with all of this I will not be getting my money for another week!!! THIS IS UNACCEPTABLE! I started out only wanting a transfer of a small amount, now I do n't have the small amount I needed and I ca n't seem to close my account neither.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-07

Blackbird, DE

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: PURSUANT TO THE FDCPA, THIS COMPANY CONTINUES TO VIOLATE FEDERAL LAW AND MY RIGHTS -- -OVER DEBT DISCHARGED THROUGH CHAPTER XXXX BK.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-06

Point Arena Air Force Statio, CA

Taking/threatening an illegal action

Debt collection: Auto

Threatened arrest/jail if do not pay
Complaint: A man contacted my XXXX year old grandfather and stated he was looking for me and I had 1 hour to return his call or he would be at my house serving me with warrant papers and arrested due to a auto repo that had taken place almost 7 years earlier. i spent over 2 hours negotiating this old debt over the phone with what seamed a legit company for HSBC. I was assured this debt was settled after making a payment over the phone. It would be cleared from my credit as a closed paid off satisfied debt. This was thought to be resolved over a year ago. After all this the account is still showing open, incorrect dates and owing monies and negatively effecting my credit. I am in disbelief this is still unresolved and mortified these creditors can get away with such drastic threats.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-05

Discovery Bay, CA

Delinquent account

Credit card:

Complaint: In XX/XX/XXXX I opened a retail line of credit at XXXX XXXX through HSBC Bank. In XX/XX/XXXX, as a result of obtaining a no-docs predatory loan which, and after being downsized at work, I could no longer afford and could not refinance due to the housing " bubble burst '', I was unable to fulfill my previous financial obligations to HSBC Bank, among others. I voluntarily had my home and car repossessed. In XX/XX/XXXX I moved XXXX for a new job. At no point after XX/XX/XXXX did I have any activity on any of my accounts, which was XXXX years ago last month, yet the derogatory report remains on both my XXXX and XXXX credit reports, longer than the XXXX years allowed by law. This account is too old to be listed and needs to be aged off. I have contacted the credit reporting agencies and they say HSBC has confirmed the debt is still valid and " meets FCRA requirements. '' This is incorrect. HSBC is in violation of The U.S. Fair Credit Reporting Act on this matter in regards to the age of this debt. There exists no evidence of activity on this account after XX/XX/XXXX. If HSBC can not provide this evidence, and I know they can not, they need to correct this with the credit reporting agencies immediately. Please note that this account has already been found to not meet FCRA requirements by XXXX credit reporting agency. The collection agency which HSBC sold this debt to, XXXX XXXX, has also been found to not meet FCRA requirements by all XXXX credit reporting agencies.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Cortlandt Manor, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Main Office, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: In XX/XX/XXXX, I settled a debt through a law firm for a XXXX XXXX/Metris credit card account. In XX/XX/XXXX, I was contacted by another law firm and told that I owed for that same account. I contacted the original law firm and they re-sent me the settlement letter and confirmed that they had my account as satisfied and that they had let Metris know back in XX/XX/XXXX. I faxed the settlement letter to the law firm who contacted me as well as bank statements showing the payments cleared. They apologized and assured me they would correct the issue with Metris. I have since heard from at least XXXX other law firms on this, almost on a yearly basis. Most recently last week. I submitted yesterday, the settlement letter to the latest law firm. Metris has been bought by other companies since I settled the debt and I can not find an up-to-date contact number so that I can address this directly. The law firms will never give me the contact info they have, they only assure me it will be taken care of. However, this is only 'taken care of ' until Metris ( or whoever owns these old Metris accounts ) sends my info to a new law firm. They never update my account correctly to show that it is satified. I do not think it is fair or reasonable that I hear almost annually from a lawyer on a debt that I have satisfied and paid taxes on. I am attaching the settlement letter which has the original law firm information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Kansas City, KS

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Fraudlent AppraisalBreach of contractDenial of due process ( Arbritation ) Illegal accounting practicesIllegal use of Government Funds ( XXXX ) HFC lured Me into a loan agreement by overvaluing the residence by {$70000.00}. I was denied arbritation and taken to Civil Court. My contract stated if arbritation was requested by one Party the Other Party could n't seek relief in Civil Court. HFC would n't account for the large amount they recieved from XXXX and other charges applied to Mortgage.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-03

Bedford, TX

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Complaint: HSBC has my loan as transferred, not paid off. A Check was used to pay this account off in full. It also reflects my last late payment XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-02

Briarcliff, NY

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-02

West Covina, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response