HSBC NORTH AMERICA HOLDINGS INC

2015-05-05

Phoenix, AZ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-05

Zanesville, OH

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: This company started calling me about 6 months ago and has progressed to the point where they now call me every day. They also call my parents home several times a week. They leave threatening and harassing messages claiming that there have been several cases of fraudulent activity attached to my social security number. They state that they will be filing XXXX charges in my county against me but that if I call them within 24 hours, that we can resolve the matter. I have called this company back at the number they leave on more than XXXX occasions and have spoken with individuals who claim they attorneys working for a bank. I discovered that they are trying to collect on a debt that I had more than 10 years ago with a bank who had issued me a credit card. I had filed a chapter XXXX bankruptcy in 2009 in which this debt was included. I have all of the paperwork from my attorneys and the Court which clearly show this debt and also show that the information was sent to the bank. I have told the individuals from this company that I had filed bankruptcy and this debt was included. I have given them my bankruptcy attorneys contact information and have told them that it is illegal to contact me about this " debt '' and that they were harassing me and attempting to defraud me by making and repeatedly leaving messages regarding false claims against me. I have told them this over XXXX times that I have spoken with them. Since then, I have over XXXX recordings of messages from them. They are calling me every single day, sometimes multiple times a day and they continue to harass my parents as well. I have n't lived with my parents in over 35 years and why they continue to call them can only be for nefarious purposes. My parents have spoken with individuals from this company and have told them that I dont live there and asked them to please stop calling and harassing them to no avail.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Shulerville, SC

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: HSBC Bank USA XXXX XXXX has a lien against a property my client wishes to sell and is under contract. However, they have not responded at all to our attempts to get a pay-off or release. SEE ATTACHED LETTER for details. It has been over 60 days and they still have not responded at all.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I am a XXXX XXXX, with a vacation home in the USA. I have had a checking and savings account with HSBC USA for about 5 yearsAbout 6 weeks ago, the HSBC USA regulatory team contacted me by e mail, for additional information. Specifically, they needed my Social Security number, and details of my XXXX.As I was in XXXX at the time, I was asked to present these to a local branch in XXXX to have these 'verified '. On XXXX the XXXX XXXX, I brought these items into the XXXX branch in XXXX, with details of where to send the verified copies. I was assured this would be done. Long story short, HSBC USA never received anything, and without any prior warning, I discovered yesterday that they have cancelled my accounts with them, and have advised that a check will be mailed to me in 7-10 working days. I have now opened another account with another provider, but until I receive, and cash the check from HSBC ( approximately {$22000.00} ), I have no means of adding funds to my new account. This has left me without any means of getting and cash, and without a local credit card. Furthermore, I have a number of direct debits set up, which will no longer be honored. It is likely my credit rating may be negatively impacted if or when a direct debit request is declined by HSBC USA. I am extremely unhappy I was not contacted to be told there was information missing, or given a chance to rectify the problem now I am here in the USA. XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-05

Occoquan, VA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: On XXXX XXXX, 2015 At approximately XXXX-XXXX, I answered my cell phone however there was no response from the caller. I immediately checked the call in to determine the source. It appeared to be HSBC. I placed a phone call to the number and reached XXXX XXXX, HSBC Home equity-line of credit representative. I asked about the nature of the call. XXXX indicated that this was an inquiry to see if I would be able to make a payment on the loan to bring the account current. XXXX, stated further " that during your financial interview on XXXX/XXXX/15, the information the information collected did not meet certain requirements. I stated that during the week of XXXX XXXX, 2015 I spoke with XXXX XXXX the account manager handling, the mortgage modification request. XXXX further informed that I was no eligible for the modification. This was determined by lack of income. I inquired what the income level needed to be. She stated based on the financial statement your previously provided you are not eligible. That seemed odd since HSBC approved a modification of my first loan which improved my income cash flow by more that {$600.00}. I stated to XXXX that I will inquire further to address this concern. On XXXX XXXX, 2015 I spoke with another HSBC representative XXXX. She stated that there is an option to enter into a payback option. This payback option was described in XXXX parts. The first option is XXXX % at XXXX An additional option at XXXX % XXXX and a final option at XXXX % XXXX. I asked could she send this in writing. She stated no they can not do that. This all seems very odd. No one from HSBC is willing to send forward in writing. I am not asking for a fair review. I am asking for a investigation of this matter. This is my 3rd complaint submission against HSBC. For HSBC not to send this tentative agreement of terms in writing, is not a sound business practice. It also appears that HSBC has taken the position to close the home-equity line of credit. I suspect a reconciliation of payments with the amortization schedule will show discrepancies of the principal owed and the payments applied. I asked that my previous complaint submissions be re-opened to address my concerns. I have taken the appropriate steps with credit counseling and made substantial cuts in family budgets and expenses. I am also working to resolve issues with other creditors. My original concerns with the modification process is multiplied by several representatives being assigned as my case manager. It was acknowledged that several documents were not sent to me in a timely manner and that their computer fax system does not always update information properly. The initial case manager on my XXXX and XXXX loan modification XXXX XXXX informed me that my original submission went into their processing system satisfy the first loan mortgage modification and not the second.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Phoenix, AZ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Toppenish, WA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-04

Vernon Hill, VA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Hello, I feel like I am being victimized by XXXX mortgage companies and my bankrupt attorney. I do n't know what I owe or who I owe it to. I guess Beneficial /HSBC XXXX still my mortgage company. I can not understand the terms of my loan due to getting conflicting information and different answers to my questions. Due to huge medical bills we had to take a Chapter XXXX Bankrupt and we entered into a modification agreement with Beneficial on XXXX XXXX. The terms of this agreement was : Current payment XXXX to go down to XXXX, current interest rate was XXXX to go down to XXXX, term was life of the bankruptcy. In XXXX XXXX, we entered into a new agreement with Beneficial. Terms : payment XXXX, interest rare XXXX. Term was life of loan. Agreement was effective XXXX XXXX with our XXXX payment which was made to Beneficial. Then without prior notice, I received a letter from a XXXX XXXX XXXX that said " Notice of Sale of Ownership of Mortgage Loan and XXXX was the new Mortgage Co. So, I began making payments to XXXX in XXXX XXXX of XXXX and confirmed with XXXX at that time the balance was XXXX, XXXX. I continued my payments until I called to make the XXXX XXXX payment XXXX XXXX refused payment and said that they had no record of this modification agreement and to send them documents and to contact Beneficial. Then in XXXX XXXX, I received a motion of relief from Beneficial. So I contacted my Bankrupt attorney to find out what was going on. I was told there was no XXXX modification on file and it was Beneficial who filed the motion for relief. Since then, I have made numerous phone calls to XXXX and Beneficial. I have faxed in the same documents over and over again. The documents always seem to get lost, or ca n't be found in their system. Right now, I dont ' know who my loan is with, how much I owe, what the payments are, what the interest rate is or anything. So, since the motion of relief had been filed and I did n't want to loose my home, I followed my bankrupt attorney advise which was to put down {$1000.00} of good faith money and Beneficial would put past due payments at the end of loan and XXXX payment of {$1100.00} would start in XXXX XXXX, if not Beneficial would demand all past due money be paid and might proceed with foreclosure. On XXXX XXXX, I gave the {$1000.00} to my attorney 's office and again asked them the about terms of my loans and was told when they settled on XXXX XXXX with Beneficial lawyer they would get all the terms of the loan. I explained to the mthe payment of {$1100.00} was a lot higher than either XXXX of the modifications and it should n't be. I asked how would the {$1000.00} be applied to my account, to past due payment or to the arrears. Imagine my surprise when they said it would go to pay Beneficial lawyer fees XXXX their fees of {$250.00} would come out of my bankrupt payments, as well. I do n't understand that if Beneficial sold the loan to XXXX in XXXX XXXX, how can they file a motion against me in XXXX of XXXX. Why was I allowed to make payments from XXXX XXXX - XXXX XXXX ( the first XXXX with Beneficial and the rest with XXXX ) at the modification rate and now they 're raising the payment to {$1100.00}. I 'm writing to you in hopes that you can help me figure out once and for all the terms of my mortgage and I do n't think it 's fair that I had to pay {$1200.00} in lawyer fees for a situation that was not my fault. I was making my payments according to the terms of the agreement. I am stuck between XXXX mortgage companies and a bankrupt attorney and no one agrees with the other. I do n't know what to do. Please help! ( p.s. I do have copies of all my agreements, letters, notes, etc. if you need to see them. )
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Foster City, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

MD

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: I have contacted HSBC and XXXX on several occasions asking for verification of this debt. XXXX just states that they verified the information and it is correct. I asked XXXX to provide me with the information verified and I am told that it is the information on my credit report. I have sent letters to HSBC asking them to please provide information on this account as I believe the account is too old to be reported. HSBC has not responded to my request. I have made attempts to call HSBC but they have their telephone system set up to require you to provide your credit card number or social security number. I have attempted to use my social security number but it does not recognize my information, not allowing me to speak with someone from HSBC to resolve my concern.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-04

Palm Harbor, FL

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-03

Dirgin, TX

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-02

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-02

Arden, DE

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

E Massapequa, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Frankfort, KY

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Warrenton, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-01

Loehmanns Plaza, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Wilmington, DE

Delinquent account

Credit card:

Complaint: HSBC Bank is reporting XXXX separate delinquent accounts on my credit report, as well as a collection account for XXXX of the same accounts. The delinquency is more than 7 years old. I have requested that these accounts be removed, but they continue to remain on my credit file.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Manhattan, NY

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Belton, TX

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Schuylkill Haven, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Laurel, NY

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Linden, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Tysons, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response