HSBC NORTH AMERICA HOLDINGS INC

2015-04-29

Spring Hill, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: When I opened my checking account online with HSBC it was advertised that I should get {$50.00} bonus for making a direct deposit to the account. I made direct deposit of {$500.00} on XXXX/XXXX/14, but I have never received {$50.00} direct deposit bonus.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Ft Belvoir, VA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: After XXXX I had financial troubles because i lost some of my income. I contacted all my lenders at the time, and none would help me because I was current. After some of my payments faltered the lenders started calling me to collect. I had troubles making payments until XXXX or so with HSBC Mortgage Services. The agreed upon a payment plan to bring the loan current around XXXX XXXX. The begun debiting my account directly around the same time for an agreed amount of XXXX or so per month. They never explained to me that the XXXX per month would never bring the account out of the rears and they did not explain to me either that they did not make a loan modification. After i noticed that my debt was not coming down, I contacted HSBC again to see why this was happening. The informed me that the amount was not enough to cover and pay the amounts in the rears. So I accepted to increment the monthly amount to XXXX per month. The Loan should have come to current in XXXX XXXX but HSBC did not apply the payments correctly. So in XXXX XXXX I had to call to get the payments applied correctly. After they corrected the payments, they stopped reporting credit to the bureaus and all through out the period of time where they were drafting money from my bank account per the arrangement, they were reporting that I was paying Late.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Achille, OK

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Washington, DC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Due to a financial hardship in XXXX I was forced to file a Chapter XXXX to keep my home. Over the last four year with the exception of one month my payments were made in a timely manner. On Monday, XXXX XXXX, XXXX I received " Notice of Motion for Relief of Stay from the United States Bankruptcy Court. The reason for the motion was that I had not made mortgage payments for XXXX XXXX through XXXX XXXX. I have cancelled checks for all months in question except for XXXX. I did mail a payment for XXXX but was told by someone from XXXX that they were instructed to " hold the check ''. I feel that I am being treated like a criminal for filing bankruptcy. At no time did my mortgage company try to assist me during my hardship. Which they were completely aware of. It is very disheartening to learn your money is being taken, not applied to your account and you are at risk of losing your home. I did not think this was legal practice in the United States. My American dream of home ownership has been a nightmare. Would someone please help me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Bostonia, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Bel Alton, MD

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-04-28

Belleville, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Dear Sir or Madam : I am writing to file a complaint against HSBC Bank, NA for failing to provide me with a service routinely available to its richer clients. XXXX What HappenedThe service is a medallion signature guarantee - in effect, a stamp from a bank or other financial institution that guarantees my signature, and has checked my ID to confirm that I am who I say I am. The bank is guaranteeing that I am not forging someone else 's signature, and will accept liability if somehow the signature turns out to be a forgery. Because a bank generally wo n't issue this guarantee to someone they do n't know, it 's best to obtain a signature guarantee from a bank or brokerage firm with which you do business. In my case, that 's HSBC. I have been a customer of HSBC for many years, and have a checking account there. ( I also have used HSBC for a business account for my small private business, which is no longer operating. ) I have lived in XXXX at the same address for almost XXXX years ( we own our house ) I am employed, and I pay my bills. Recently, my father has XXXX, and both he and my mother have signed power of attorney over to me. ( My father 's XXXX faculties are still acute, but XXXX ) They live in XXXX I live in XXXX. I have power of attorney over their bank accounts at XXXX Bank. My parents are not customers of HSBC bank. I am. And as a long-time HSBC customer, I expected the bank to guarantee my signature -- I came prepared with the signed, witnessed and notarized power of attorney docs, my XXXX state driver 's license and my XXXX passport, as well as the XXXX request for a signature guarantee. After some confusion -- the account executives at the branch on XXXX XXXX, XXXX XXXX did not what a medallion signature guarantee is -- the bank refused me this service after calling someone in operations in XXXX. XXXX in XXXX, who was also unfamiliar with the signature guarantee medallion, declined to provide this service because I was not transferring securities. It 's true that I am not transferring securities within HSBC, but I will be transferring securities as an agent for my parents ' financial affairs. There is probably no law that compels HSBC to issue the stamp. But this type of service is routinely provided to banks ' and brokerage firm customers as a courtesy. I can only conclude that HSBC is withholding this service because I am not a rich enough customer. Desired resolutionI want someone from the bank in the greater XXXX area or XXXX to issue a medallion signature guarantee ( guaranteeing my signature ) so that I can complete the process of becoming agents with power of attorney to my aging parents. Thanks for your prompt attention to this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-28

Post Falls, ID

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: This debt was never mine. I did not open an HSBC account in XXXX 2014. I have continuously disputed and XXXX has not sent any type of verification. It has been over XXXX days I want it deleted from ALL XXXX CREDIT REPORTS.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-27

Bronx, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-27

West Branch, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-27

East Rockaway, NY

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-27

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-26

Newnan, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: The original debt was to hsbc I settled the debt on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have a letter from them that debt is paid in full acct # XXXX and have spoken with them and they say they own the debt I settled I have had several phone call from several debt collectors about this same debt but recently I received a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the same debt I gave them a call and told them that I had already paid debt and sent proof and I did get a letter from them dated XX/XX/XXXX that my dispute has been acknowledge and then I got an elert on my credit report that a company had put a collection on my account for the same debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I think we have no protection from debt collectors the XXXX company XXXX at least sent me a letter telling me about the debt but the other company XXXX XXXX XXXX I never received a letter from them the credit bureau just let them do what they want to do as long as they pay for their service as far as the company I paid the debt I think they are responsible for not reporting properly or selling the debt after it was paid I really need some help I have paid all my debt odd but this one wo n't go away so do what the government suppose to do and protect it citizens thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-26

Morral, OH

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-26

Doral, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-25

Columbus, GA

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONCOMPLAINT : XXXX : XXXX XXXX XXXX XXXX New Jersey XXXXDear Consumer Financial Protection Bureau:XXXX I did not sign the application, and this is very clear from the paperwork HSBC has provided. The original application does not have my signature, and whoever singed XXXX is forgery which is illegal. XXXX. Again, I diligently sought legal representation and MOST IMPORTANT, I rescinded the deal within 3 day window. XXXX. I never received the truth in lending disclosure. I have invested and spent FAR TOO MUCH TIME AND MONEY INTO THIS ENCUMBRANCE and it is not My burden to bear any longer. This house located at XXXX XXXX XXXX XXXX, NJ XXXX has been paid for XXXX. This house is a SURE EXAMPLE OF PREDATORY LENDING. The property has been under contract XXXX times since 2014, and XXXX home loans refuses to LET GO. There is no way this property appraised for {$200000.00}. Again, GET THIS PROPERTY OUT OF MY NAME. RIGHT Now, there is a contract for a short sale and XXXX loans is holding the deal up. Enough is enough, either convince XXXX home loans to proceed with short sale ( including no deficiency judgments, {$5000.00} relocation fee for Me, XXXX XXXX XXXX, and total debt cancellation ), or MAKE THEM. Realtor is XXXX ( XXXX ) real estate XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX, email : XXXXXXXXXXXX ). XXXX and XXXX, XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-25

Liverpool, TX

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I need the lien removed off of our vehicle that has been paid off since 2006. HSBC states they do n't have record and your dmv said XXXX would release lien. XXXX states they do n't have the record because its too old. There is XXXX complaints regarding the same issue that HSBC did to others. And over XXXX complaints altogether regarding their illegal company. I need your help getting this taken care of. I have also paid in full the title to be sent. I have multiple email from dmv telling me that hsbc has to sign removal of lien but they wont ever return phone call. They no longer have the records because its more than 14 years since I bought the car. Hsbc is very unprofessional company. Look them up under bbb and complaints on the internet. Please clear the lien so I can sell the car. I am trying to abide by the law but I can not if I cant get the title. I would greatly appreciate itHere is proof I have been told so many different rules and I have followed them all. I have been to dmv multiple times. I also want this company investigated for all the grief it has caused others and the money it has stolen from many. Show ImagesChange this settingPhotos XXXX XXXX AllI do n't have the title and lien holder has closed down so how do I get a letter of lien? I appreciate you responding but that is not answering my original question. Sent from my XXXX I do n't have the title and lien holder has closed down so how do I get a letter of lien? I appreciate you responding but that is not answering my original question. Good afternoon XXXX, Thank you for contacting us. I hope you are having a nice day! If you are unable to obtain a release of lien letter and the lien is over 10 years old, please provide the following to the a local county tax office : Title Title application ( attached ) Statement of fact that states " lien has been paid and lienholder can not be located. '' {$33.00} title feeYou will leave the lienholder section blank on the title application. XXXX County Tax OfficePhysical:XXXX XXXX XXXX XXXX Texas XXXX : XXXX O. XXXX XXXX XXXX, TX XXXX : ( XXXX ) XXXX : XXXXXXXXXXXX : http : //www.hctax.net/Please let us know if you have any questions. We are happy to help! Sincerely, XXXX XXXX XXXX XXXX XXXX Division Customer Care Representativeemail : [email protected] Phone : XXXX or XXXXWe love hearing from our customers and value your feedback. Click here to take a short survey. Vehicle InformationVIN XXXXPlate Number : Subject & RecipientsMain Subject : MotoristsMotorists Recipient : [email protected] Recipient : Motor Carriers Recipient : Consumer Protection Recipient : Media Inquiries Recipient : Feedback Recipient : Open Records Recipient : MessageI need to get title on this car. I have paid over XXXX for it and still no title. It was paid off almost 10 years ago. It is a XXXX. The lien holder states they do not have my account anymore and it is considered inactive. Can you please send me the title or tell me what to do to get it. I have printed the XXXX form out but not sure of what to put on lien holder because they are out of business. I paid car off and much more with interest. I see on the web that any car with a lien more than 10 years is dismissed and I am rightful owner. I just need to sell car please. Thanks, XXXX XXXX XXXX Good afternoon XXXX, Also bankruptcy was filed in XXXX last year and we owed nothing on it anyway but if they say we did it is under bankruptcy.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-24

Benson, NE

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-24

Ocean City, MD

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-04-24

Discovery Bay, CA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: I have been trying to contact this collection agency for the past two weeks. They do not answer their phones neither answer e-mails. I just filed bankruptcy and I need to let them know my case number. Please help me to contact this collection agency. This agency is holding my debt from HSBC/XXXX Credit Card. ( They have not tried to contact me, you just do n't have an option for my problem )
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-23

Hornell, NY

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-23

Vicksburg, MI

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-23

Achille, OK

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-23

Halyoke, MA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I received a text message on XX/XX/XXXX from my general manager at my place of employment letting me know someone was trying to get in touch with me and he gave me their information. I called the number and gave them the reference number. I was then transferred to a gentleman claiming to be from XXXX. He had all my information, social, amount I currently have available on my credit cards and so on. He told me I owe money for a credit card I had in XX/XX/XXXX. I asked why I had n't received anything in the mail and he told me they had sent it, the mail service can be unreliable. I said I wanted something in writing from them, to prove they are who they say they are. I mentioned that I had n't seen anything on my XXXX credit report and he said it was because I needed to check my XXXX one. I told him bottom line I did n't feel comfortable settling for XXXX and issuing a credit card payment without any knowledge of who they are. He said he could send me a generic email, that would n't pertain any type of payment information to set up, just general information. I was leaving for work at the time and he did send the email which did n't even contain a letterhead. I google searched the number they had called from, XXXX, and found numerous complaints about threatening and harassing calls. I also bought my experian credit report and found that a company, XXXX ran a credit check on me on XXXX XXXX, which would explain how he had all my information. I searched that company and found a phone number but when I called that company it was a voicemail saying if I left a message someone would return my call in 24hours. I left it at that. Then today, XX/XX/XXXX around XXXX someone claiming to be from XXXX? called my place of employment asking for the address and my name, my employee then gave the phone to me. It was a woman claiming to be from a processing server company who told me they were planning to come to my place of employment within the next hour to serve me with papers that would require a signature, I said that was fine. She then repeatedly asked if I wanted a number so I could call and have the serving of the papers rerouted, I said no, its fine. She asked what time I would be here until and I said I 'll be here all day. It 's now XXXX EDT and no one has shown up. I explained to my general manager what was going on and apologized for the phone call. He told me that when he was contacted yesterday the woman on the phone was telling him they needed to contact me immediately or that was it, I would lose my chance of any resolution. He also said that he was received numerous call from who he assumes is them again today but he was not answered to avoid any further problems.
Company Response: Closed with explanation

Disputed: No Timely Response