HSBC NORTH AMERICA HOLDINGS INC

2015-08-27

Rochester, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Mc Kees Rocks, PA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Huntley, IL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Flushing, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Chicago, IL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Elyria, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Discovery Bay, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XXXX pages of documents attached clearly explains my complaint. Please instruct HSBC to comply with the FCRA law and amend their reporting and remove past reports.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Haskins, OH

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: My husband and I took out a 4 year loan back in XXXX with Benefical. We fell behind early on in our payments. In XXXX roughly we settled the loan. This is still reporting on our credit reports as a negative account. I contacted XXXX today because I disputed it and it came back verified. They told me that Beneficial reported our first late payment in XXXX XXXX so it would come off of the credit report until XXXX. Ive tried contacting the company with no response. This is absolutely obsurd! How could I make my first late payment in XXXX when it was a 4 year loan taken out in XXXX, According to XXXX they re-aged our account in XXXX so it would keep reporting.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Dyersburg, TN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Centereach, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Bohemia, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: i was sued by XXXX for hsbc the debt is not mine there fraudlent charges on the acct they agreed in court to stop collecting the debt. and remove it from my credit report.Im getting getting harrassed by a company called XXXX .they do n't stop bothering and there violating the court agreement of docket number XXXXXXXXplease have them remove all negative i nfo from my credit report asap and stop harrassing me
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-26

Euclid, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Los Indios, TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Complaint: A debt collector contacted my elderly mother, who has a XXXX, at her telephone number. She was told that there was a warrant for my arrest and that I was due to being arrested any minute, if I did not contact them. She was told that she had XXXX minutes to contact me and have them contact them so that I could be arrested wherever I was located at. She contacted me at work and I then contacted the company. Meanwhile, my brother had to take my mother to the doctor due to her XXXX. When I contacted the company, a representative told me that I needed to make payment immediately and he would then terminate my warrant of arrest. I paid them with whatever I could and am now making hospital payments for my mother. I believe this was very unethical on the companies behalf and should be disciplined for verbal abuse and domination over something that does not originally belong to them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Elyria, OH

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Bridgeboro, NJ

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: XXXX/XXXX/2015 receied call from XXXX claiming to be from the XXXX Law Firm, calling on behalf of XXXX XXXX to collect an old debt. I explained the debt was discharged in Bankruptcy court XXXX years ago but he didnt want my lawyers information. He threatened me with IRS issues and said he was investigating me for a criminal act. called # back and got voicemail. XXXX search shows this info : XXXX Law Firm, XXXX XXXX XXXX, TX XXXXPhone : XXXX. I called # ending in XXXX and reached same voicemail as the # of the dept collector XXXX. Didnt have my address but wanted it. After not getting info he hung up on me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Auburn, AL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Soquel, CA

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

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

2015-08-25

West Brandywine, PA

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: XX/XX/XXXX, I had emergency surgery, I was out of work for weeks. My mortgage is with HSBC. I applied for a loan mod and was denied. my interest rate is 9.8 %. I refinanced with HSBC in XX/XX/XXXX and they told me to make my payments on time for a year and then they would refinance me. One year later I called them to refinance and their response was, that in XX/XX/XXXX they closed all of their offices except the main office, and they were not doing any loans. They knew this, when I refinanced with them in XX/XX/XXXX, in other words they told me a bare faced lie! Now i 'm XXXX and am self-employed and I do n't want to lose my home, but am strapped tight. When I had my surgery, I lost a customer and have n't been able to replace them. My payment with HSBC is {$140000.00} a month. I need help and I could afford a lower payment and meet all my other bills and needs. I have called every finance company possible and they all tell me the same thing my debt ratio is too low. My credit score is fair. I feel that something needs to be done about HSBC. It seems like they would n't want me to foreclose and work with me and their other customers, instead of losing money. I checked on HSBC and their are a lot of scams that they have done to many of their customers. I just do n't understand how they can continue to get by with this. I cant apply for the HARP program because my loan is n't owned by XXXX or XXXX. The economy is going up all the time and I need help! Thanks, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Milwaukee, WI

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Hello in XXXX of 2015 I submitted a web application that said I was preapproved for a basic checking account with HSBC. I was then declined. Customer support said I needed to hard pull my own credit report and then send it in to them for a deposit only basic checking account. After several weeks I then called them with my credit report and they said that instead I needed to reapply. I reapplied and received another pre approved status. This after several more weeks was declined again. They said that it was because they thought I would use it for business purposes. This was obviously false. I needed XXXX factor web banking and a bank that I could physically walk into a branch internationally if necessary. I had numerous other checking accounts in good standing as well. I have never mismanaged a deposit account and I have excellent credit. I then reapplied for HSBC premier. This was then forwarded to security and fraud based out of the XXXX subsidiary. They requested additional documentation that deviated from their stated acceptable identification. I supplied what they asked for anyway. HSBC then failed to communicate with me and apparently allowed my application to expire stating they were unable to verify my identity. My documentation exceeds XXXX requirements. Previously I moderated XXXX and have an extensive track record of accurate predictions regarding financial, economic and geopolitical events. This includes but isnt limited to every major fed QE and rate decision since the financial crisis, the recent pullback in XXXX, numerous XXXX decisions and many others. The fact that a preapproved basic checking account is being declined for someone who has never mismanaged a deposit account and has excellent credit undermines confidence in HSBC 's ability to competently conduct basic banking activities and the security of its current deposits.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-24

Richland, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-24

Austin, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-23

Canandaigua, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response