HSBC NORTH AMERICA HOLDINGS INC

2015-05-26

Bridgeton, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Auburn, WA

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-25

Lewisville, TX

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Complaint: I was contacted by a dept collection company named XXXX XXXX XXXX from XXXX, NY. They called me posing as a government official within my county stating that they are serving me papers for a law suit to my home. I contacted the county and come to find out that its not true. They also are impersonating a fake law firm called " XXXX XXXX XXXX & XXXX. They mislead me into making a payment to them stating that they were suing me and I would like to bring this matter to justice.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Worcester, MA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Fort Worth, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Bremen, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: XXXX XXXX contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling XXXX XXXX that the debt was not my debt and please do not contact me anymore. XXXX XXXX than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to XXXX XXXX stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Phoenix, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: ! ) forced placed insuranceBecause of forced placed insurance at a premium that is way above the market, followed by high demands of escrow account payments and suddenly substantially increased monthly payments, it was not feasible to make the excessive monthly payments. All payments have been made on time until HSBC started a forced placed insurance. 2 ) check fraud $ XXXXHSBC wrote a check without my knowledge and without my agreement and debited my account. The amount was recovered, but it is still fraud by HSBC3 ) HSBC Loan No. XXXX wrong status / wrong interest rateThis loan has been documented by HSBC as a XXXX loan, but that is the wrong status because it is the XXXX and only loan on property address XXXX XXXX XXXX, XXXX, FL XXXX. As a consequence the interest rate is way too high at 9.375 % I have reported this error since a long time and several times but it never got corrected. The interest should be the same as on Loan No. XXXX which is 2.875 % 4 ) credit report disputeHSBC Loan No. XXXX and Mortgage Service Center Loan No. XXXX reported over 10 consecutive months ( from XX/XX/XXXX to XX/XX/XXXX ) the same mortgage but under XXXX different loan numbers to the credit bureaus. This caused that my credit score dropped significantly and damaged my credit history substantially. The false information has been corrected. HSBC and Mortgage Service Center are responsible for the damage ( loss in credit score ).
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-21

Belleview, KY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Moline, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: HSBC sent me an email today telling me I had a statement ready to be viewed. I called HSBC and was told it was a savings account. When I called up I was told I had payment due in 8 days. They told me I owed {$2100.00} and there was nothing they could do for me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Cambria, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Belleview, KY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Philadelphia, PA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX the mortgage company and the mortgage serving company have reported the same amount due on my credit report. This makes it appear as though I owe XXXX as much as the balance on my mortgage.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Lewisville, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Mabank, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: They are trying to tell me that I have fraudulent activity associated with my social security # and that I am being sued for {$1500.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Odell, OR

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: HSBC Approved my loan modification for two years. The terms of the modification are being violated for the following reasons:1 - Amount due on statement differs from the agreement. 2 - Payment funds are not being allocated correctly. Per agreement, {$990.00} should be allocated to principal and interest. Statement shows funds applied toward deferred interest and interest only. 3 - I have not received an explanation of the Overdue Payment of {$1500.00} for outstanding fees and charges. Please see attached documents and let me know if you could assist me. HSBC claims that the statements are automatically generated without taking in consideration the modification agreement. Thanks, XXXX XXXX XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Middletown, DE

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Van Nuys, CA

Taking/threatening an illegal action

Debt collection: I do not know

Sued w/o proper notification of suit
Complaint: I was contacted by mail on XX/XX/XXXX by the law firm of XXXX and XXXX. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. I had moved on XX/XX/XXXX and on XX/XX/XXXX so if they had served the paperwork to an old address it was n't to me. Furthermore I just received a phone call from one of their representatives at work. I think it will go a long way if the Bureau of Consumer Financial Protection contacts XXXX and XXXX and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Mount Holly, OH

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: 1. I asked for a payment history on my loan over 90 days and still have not received it. I have received a couple of letters saying that HFC needs more time. It has been over XXXX days since I made the request. What would take so long to print out my complete payment history. 2. HFC put my loan back in the bankruptcy department and has turned off my online access to my account. I did n't receive a bill for XX/XX/XXXX. I ca n't view any bills online as I am locked out. I do n't know what my payment is without a bill? 3. I called on XX/XX/XXXX to make an over the phone payment. I was transferred to the loss mitigation department to XXXX XXXX. No answer as usual so I pressed XXXX. I got a loss mitigation employee that said I needed to speak with the bankruptcy department. I was transferred to another associate and told her that I was trying to make a payment. This associate said okay I will get you to the bankruptcy department. I was transferred to XXXX in the bankrtupcy department. I told her I was trying to make a payment and wanted to know why my account is in the bankruptcy department. I was asked if I recently filed bankruptcy. I said no and she asked if anyone else who lives with me filed bankruptcy. I told her know and she said she needed to review the notes on my account. XXXX told me that there were errors on some payments in XX/XX/XXXX/XX/XX/XXXX and they were being corrected. I asked what payments and why have I received a corrected XXXX. XXXX was unsure and told me that once they complete the audit I would be pushed back to regular servicing. I said I am not receiving bills now and have no online access. I asked why would payments from XXXX years ago need to be corrected now. I asked for a payment history! XXXX has no real reasons. I asked how in the world I make a payment. XXXX said she could take a payment over the phone. I asked what I owed since I do n't have a bill. XXXX just responded with " well what do you want to pay? '' This is such a nightmare I ca n't believe that I am still having to go through this with HFC! I made a payment over the phone and asked when someone would tell me what 's happening and why? XXXX did n't know but gave me the XXXX number to HUD. 4. Why is my loan is the bankruptcy department? I have been discharged from my bankruptcy since XX/XX/XXXX. Why am I not getting bills? Why is my account access turned off? Why have I received a corrected XXXX? Why have I not received the payment history I asked for over XXXX days ago? 5. I applied for a loan modification back XX/XX/XXXX and was told my payment history had to be audited back then. It took XXXX year and a compliant to the CFPB to get the modification approval. Now my payments are being adjusted again? What is going on? This is not good business practices. My loan as I assumed is not correct! That is why I am being denied the payment history. HFC is not an honest company!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Denver, CO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-19

Fenton, MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-19

East Elmhurst, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-19

Astoria, NY

Incorrect/missing disclosures or info

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response