HSBC NORTH AMERICA HOLDINGS INC

2015-04-17

Orlando, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-17

Charlotte, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I experienced an unexpected temporary financial hardship and I contacted Beneficial to explore options. The representative that I spoke with suggested that she could offer a deferred payment plan. Notably, I fulfilled the requirements of the payment plan. However, upon a recent review of my credit report, I noticed that Beneficial reported my account delinquent during the deferred payment plan period ( XXXX and XXXX ). Though I appreciate the deferred payment plan, I am upset that Beneficial failed to disclose that they would report the account delinquent to the credit reporting agencies during this period. Indubitably, if I had known that the account would have been reported as delinquent to the credit reporting agencies - I would have borrowed the money from a friend or a family member.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-17

NE

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: This is my XXXX submission regarding Beneficial on different issues. They seem to respond only when I file with CFPB. We refinanced our Mortgage in XXXX to a local bank and still did not get the Released Deed of Trust. According to the new lien holders beneficial did not release the deed of trust and the payment has cleared.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-16

Tempe, AZ

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

2015-04-16

Orange Park, FL

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

2015-04-16

MI

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Complaint: On my account I had charges I did not owe. They kept billing me any how. A Company called me to make arrangements on my balance stating they were A lawfirm aattempting to locate me to serve papers to go to court. I could not under stand this I am easy to locate or contact. I agreed to pay a payment that day to avoid court of over XXXX. They said if I did not pay that day I would be sued..I did not want that so I agreed to pay and make future payment to them. I bought a credit card you can l ; oad your money on to make these payments.I also asked them to send me copies of my account and info on their company. This never happened. After a few payments I felt my balance on my account was paid in full and when I never received this paper work I called the number from my caller ID anf found out they were a collection agency acting as a lawer with threats. They had impersonated a lawer while on the phone with me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Bowie, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-15

Palmerton, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I was notified that a creditor, HSBC, did not report to the credit bureaus my payments to XXXX since XX/XX/XXXX, XXXX, and XXXX XXXX since XX/XX/XXXX, even though they were all made on time. I have never missed a mortgage payment, and have been with them for ten years. After learning that this non-reporting does impact my score, I wrote a letter asking that they insert the payment information ASAP. They refused. HSBC account # XXXX contactXXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-15

Bloomington, MN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2015-04-15

Hamburg, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I changed accounts from which my driect debt was to be processed. XXXX processed the payment from my old account which caused an overdraft fee and a hit against me through XXXX. When I called them to rectify the problem I had to do the leg work to fix the issue. When asked to fix the problem with XXXX they did not believe me when I said that it would affect my credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Glendale, CO

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Baton Rouge, LA

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Santa Monica, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-14

Campton Hills, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-14

Newport News, VA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2015-04-13

East Rockaway, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Orange City, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-13

Pacific City, OR

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: Debt was forgiven, confirmation letters received, XXXX received, but lien is still on title. We have asked several times for lien release, we can not get any straight answers, and it is still not done, it has been more than 30 days. Debt was released in 2014.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-11

Hornell, NY

Rewards

Credit card:

Complaint: I have the HSBC Premier World MasterCard that has the HSBC Premier Rewards Program that states that I am supposed to receive XXXX point for every net dollar that I purchase with the credit card. However, the program is not correctly counting the points on my account and this is not the first time that I have noticed and complained about this problem. 2 years ago I had the same problem, I contacted the HSBC Premier Customer Service and they were able to fix the problem and correct my points balance, however, this time, I have contacted the same Customer Service and they keep saying that the balance is updated but it is impossible that this information is true and this is why : - My points balance on XX/XX/XXXX was XXXX points. - In the period of XX/XX/XXXX-XX/XX/XXXX I had a total of USDXXXX in new purchases which means that I should receive XXXX new points. - However, as of XX/XX/XXXX my points balance is XXXX points and I have n't used any points since XX/XX/XXXX, which means that in the period of XX/XX/XXXX I have only accrued XXXX new points. - If I was supposed to receive XXXX point for every net dollar in new purchases and in the period of XX/XX/XXXX-XX/XX/XXXX I should have received XXXX new points based on my new purchases for the same period and I have only received XXXX points, this means that I am MISSING A TOTAL OF XXXX POINTS ON MY BALANCE POINTS. I have contacted the HSBC Premier Customer Service by email, which they never responded and I have contacted them by phone, and after 1 hour long of waiting, they still have n't acknowledge the problem or even given me an explanation for why I am missing XXXX points. This is not my first problem with HSBC Premier and it seems like that every time that there is something wrong with my account or any product that I have with this bank, I have to always find an outside source to be able to help me resolve any issue with this bank.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-10

Santa Monica, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

Rockaway Beach, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

Frankfort, KY

False statements or representation

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

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-10

Richmond, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: Debt is stale, from 2003. Original debtor discharged this debt ; XXXX collection agency has failed to provide verification and that debt was sold to several different companies.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I have instructed my Bank ( HSBC ) on XXXX XXXX, to do a wire transfer amounting to XXXX XXXX. to my bank account in XXXX. The conversion rate taken is USD XXXX = XXXX. However as per the attached sheet the rate of USD XXXX = XXXX ( the same day ) I understand that the bank take a % but it is too much. I would like the bank to reduce the %.
Company Response: Closed with explanation

Disputed: No Timely Response