HSBC NORTH AMERICA HOLDINGS INC

2015-05-19

OK

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I received a call on XXXX XXXX, 2015 at XXXX from a " process server '' working for XXXX on case number XXXX who said she has suit papers for me. She said that I needed to call XXXX with the case number. The representative stated I am being sued on a debt that 's over XXXX years old. When told the debt is " time barred, '' he stated the debt was re-aged and I could be sued for the debt. He also said I must pay up or take my chances in court. In fact, the debt is so old, it 's not even on my credit anymore, which they assure me will change.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

N Falls, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-05-19

Addisleigh Park, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Hicksville, NY

Customer service / Customer relations

Credit card:

Complaint: The customer service number for HSBC personal credit cards is not reachable. I can not cancel the card if lost or stolen, nor can I reach any person to discuss my account. When I called the business line, the representative I spoke with tried reaching the personal credit card customer service number ( XXXX ) XXXX, and she informed me that she could not get through either. This is not the first time I have not been able to reach HSBC. Supposedly, their hours at XXXX - XXXX ET. There have been multiple instances I had been " transferred '' and hung-up on. Their phone system is absolutely deplorable. This is not how a company operating in the US should be conducting business. Please help, I have multiple issues I need to get resolved but am unable to reach anyone at HSBC who can help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: The issue is I purchased a house in Louisiana I XX/XX/XXXX and shortly afterward I joined the military. Since I got stationed in XXXX. I allowed a family member to stay in the house under the condition she would pay the mortgage. Unfortunately she was n't paying the mortgage and I did n't find this out until XXXX XX/XX/XXXX she had n't paid for 42 months. But it was too late for me to rectify the situation. The mortgage was already XXXX dollars in the behind and I do n't know. I had n't received any notification from the mortgage company. Nothing was showing on my credit report. Now the bill is close to XXXX dollars. Nevertheless the mortgage did n't foreclose because I was a military member. So I tried to make some type of arrangements to get the back mortgage under control, but the mortgage company refused to accept any payment less that XXXX dollars, but wo n't foreclose on the property either. I then tried to surrender the property back, but I kept getting the run around and then finally denied for information for not providing information when I did provide it. So now all the property is doing is accruing debts. I have the house up for sell, but now the mortgage representative are lying to my real estate agent saying that ca n't give her a BPO without me revoking my cease and desist. They are using the fact that I 'm in the military as a loophole to allow the property to get deeper and deeper debt. I 'm not even stationed in the state that the house is in. The mortgage company is making every attempt to make any resolution to this issue impossible. The company is trying to force me into a Loan modification.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-18

NC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I am currently working with XXXX XXXX Opportunities aHUD approved agent. We have been trying to lower my percentrate to allow me and my family to keep our home. I have hadseveral hardships over the course of our loan that has put meand my family under financial strain. We have been in the processfor a year and half now. Everything we do seems to be wrong. They have asked for check stubs, hardship letters, tax information, employer letters, unemployment information, bank statements, and credit reports. We have submitted theses packets at least XXXX over the course of working with HUD. The packet was sent viapriority mail so that they would have a hard copy and and we would have a copyin our records. Everything we send seems to be missing or they can not read it. We have submitted paystubs again because they can not read what was sent. This time we have faxed again and submitted a hard copy priority mail. With a tracking number and signature needed again. Even my Hud agent isbaffled by the way Beneficial has handled our hardship. They have changed our pointof contact several times. When we finally received confirmation thatthey have all documents and they can read them on a XXXX way call. They change the point of contact and say they need more and now thethe point of contact can not communicate with my HUD agent. Which is really confusing when she has a XXXX party approval. She is myHUD representative. They even had us fill out XXXX party forms XXXX because theyclaimed that the formed expired even though it says it is good fora year. However, it expired after 6 months. Now they say that it is therepolicy they do not talk with XXXX part reps. That she now has to talkdirectly to Loss Mid directly. Why do the rules keep changing. Everytime they call or send a letter it states how they want to workwith me and give HUD numbers and then they give us this completerun around. I have come to the conclusion that they think if they keepmaking us jump through hoops and basically giving blood test andnothing is going to work because they think we will just give upour home with out a fight. I love my home and will work hard to keep it. My percent rate has been a 10 %. I have already basically paid for myhome once and with percent rates as low as they are you think theycould help us as they state every letter and phone call. All I amasking for is a lower percent rate and obviously a lower payment some and my family and keep our home. We are a working family. I work anywhere from XXXX to XXXX hrs a week. I am not on welfare. I paymy taxes and make donations to those in need. What else dothey need. Please help
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

New Rochelle, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-16

Madison Square Sta, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Woodland, WA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

NJ

Other fee

Credit card:

Complaint: hsbc now has made it real hard to reach. i spent an hour trying to call XXXX. new phone system. then i got hung up on. then i was read a scripttheir call centers in other countries they barely can speak english such where when i tried to make a payment on my cc i could not since the representative did not understand english
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-15

Florence, KY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-14

Ivanhoe, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Ivanhoe, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Farmington, MN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-14

MN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Company by the name of " XXXX XXXX '' contacted me several times in an attempt to collect a debt that is n't mine. They were nasty, rude and refused to provide me with pertinent information if this would have been a legitimate claim ... .which it is not. I called back the number they gave me a XXXX time and they gave me different information as to why they were calling me. This is a huge scam and they need to be stopped. No company by their name is listed with the XXXX, and complaints are all over the internet. They have XXXX locations apparently, from XXXX to XXXX. DO NOT GIVE THEM ANY PERSONAL INFO, they need to be shut down.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Oviedo, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Cheverly, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-05-14

Key Biscayne, FL

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: I was a XXXX many years ago. I applied for a corporate credit card. I was told over the phone ; while completing the application that the company would have to use its tax ID to apply for credit. Since it 's a corporation I can not be a personal guarantor. The organization went down under and was not able to pay its bill. The business was dissolved and has since been defunct for about 10 years. Since 2011 I 've notice that XXXX judgment was placed against me totaling XXXX. I have no idea why this company is going after me, knowing it is the company that is responsible for the debt and not me. Last year my mother got a letter from a law firm requesting for me to be present. I went and was asked questions without legal representation. I was afraid of what the attorney was asking so I inform the attorney I have legal representation and would not answer any questions. I move a lot because of my mother inability to pay her rent so I usually do n't get follow up mail. HSBC is the company that issued me the credit card for the organization. Their collection agency has went to court in New York and put a judgment against me. I was never served or was informed about anything. Not once I was given the opportunity to give my side.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Great Neck, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Box Canyon, CA

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: Yes Timely Response

2015-05-13

Randolph, MN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: We contacted our mortgage company last XX/XX/XXXX, because of hardship and becoming behind. They would not help us, and depmanded a higher payment of {$500.00} plus more dollars, making a payment for us of {$1800.00}, or Foreclosure would happen, and they pulled our permanent modification from us during our phone call. They also had been taking unauthorized payments for a few months of this higher payment amount from our credit union account for a few months, until we had to change over to a new account. Also in XXXX, we had gotten a housing counselor to help us with trying to reslove our problems with iour loan between us and our mortgage company. We worked with her for about XXXX months, and she could not get anywhere with them, as she has been trying to get them to get us on the Hamp Two Tier Program, because the mortgage company knew well many time and for years, that I am on XXXX XXXX, and though my husband works fulltime, he is going through a work comp. case, himself, and we qualify for this mortgage program. We had not gone into Foreclosure until we were notified in XXXX of this year, XX/XX/XXXX. We got a letter from an attorney representing our mortgage company telling us we were Foreclosing, and had no prior contact for payments on the loan, except for very few collection calls, and only basic company generated letters. AS of now, we had lots of phone tag playing from our mortgage company since XXXX of this year, but have had many conversations and were promised to get our Foreclosure stopped. The action on the Foreclosure stopping was around the end of XXXX, early XXXX, The mortgage company came to us and told us that originally, we had owed around {$17000.00} from the past approximate year 's past due loan payments, including interst, plus fees. THey were going to force us to pay this to get our home back. On the same day, they called back and told us that we only had to XXXX of that, being {$6300.00}, and then our home would come our of Foreclosure, and the rest of the fees would be waived, and that the check be a cashier 's check, be sent over night, and that would get all of this in writing per our request. We has over a XXXX conversations and promises, and when we sold a car to get all of this done on a timeline to saveour home, they did not follow through still. They waited to send us the paperwork after the check was cashed, and it was n't written out like we were told and were promised. Two days later, they sent another letter, demanding us to pay the remaining balance of the past due amount of the {$17000.00} due by approximately XXXX XXXX, to get our house back. We do n't have this money. We also have not signed anything new for our old permanent modification loan, and are hoping to still be considered to get the Hamp Two Tier or Tier Two. We are dangling at this point, and out of that money that they cashed. We previously had a Sheriff Sale date for Just this passed XXXX XXXX, but it was stopped. We currently have a represenative from the MN Attorney General 's Office helping us with this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Achille, OK

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Torrance, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2015 my wife tried to withdraw money from our joint checking acct with HSBC. It did not work, so I called HSBC XXXX that night ( I have called many many times over the XXXX years with HSBC ). They told me there is a block on my account and I need to call Monday morning to sort this out. On XXXX XXXX, I called, spoke to XXXX, who told me my account has been closed. HSBC said they had sent letters / emails to my wife requiring some information from her or the account would be closed. My comment to HSBC is why did not they not call me before doing anything drastic like closing my account. At this time, my wife got on the phone with XXXX and told her that she in fact did receive emails but ignored them saying she thought they were spam. XXXX said that they tried to phone us but it did not work. XXXX mentioned some phone number that was not ours. This call got cut off. XXXX minutes later I got a call from XXXX who admitted HSBC was at fault and should have called me ( her phoning is also proof that they have my correct phone number - record attached ) and that HSBC would send me a check through registered mail that I should receive in XXXX business days. They would also send me by text the tracking number. This conversation was recorded by HSBC. XXXX XXXX, I phoned HSBC, XXXX, to inquire where was my check. XXXX told me that it is has not been sent, as HSBC needed to confirm my address. On the same day, XXXX XXXX, I received mail correspondence from HSBC - separate issue and attached, that shows they did have my address ( not changed in XXXX years ). XXXX also said my account was not closed and was " restricted ''. XXXX promised to call me XXXX XXXX with more information. I did get a call from her on XXXX XXXX, was unable to answer it, and called by HSBC and spoke to XXXX. XXXX told me XXXX is the supervisor and is required to call me twice ( she did not ). I asked XXXX to escalate the issue ( and I also confirmed my address with him ) he promised to have a supervisor call me back within an hour. They did not. After a few hours XXXX called me back, apologized and said that I now need to speak to XXXX about this issue. I told XXXX that I want my money, and that I will contact the XXXX Police Dept and report HSBC for theft. He told me there is nothing he can do, and that XXXX will call me on XXXX XXXX. At this point ( XXXX XXXX ), I could still see my account online. XXXX XXXX, my account is suspended online ( attached ), and when I called HSBC as soon as they get my account number, they immediately hang up, so I must be flagged as " do not speak to this person ''. Therefore, HSBC has my money and I am completely unable to contact them. So I must wait for XXXX to call, HSBC has broken their promises before so I may or may not get this call. I have no recourse at all and need help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage is with Beneficial Finance. EVERY month this year I have REPEATEDLY called as I DO NOT receive any statements!!! My due date is the XXXX, of course, the sooner you pay the less interest. I am at my wits end with this company trying to get them to send me statements. It is now the XXXX and still no statement. Mailing my payment takes a XXXX to arrive at their office, then more time for them to post the payment. As such, at times my payment is late and interest keeps building.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

West Branch, NY

Communication tactics

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

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response