HSBC NORTH AMERICA HOLDINGS INC

2015-04-01

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Eldorado, WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XX/XX/XXXX my mortgage co. sent an escrow analysis that forecasted my property taxes would be paid in full XXXX. I called them, they requested a copy of my property tax bill, which I sent. They sent another analysis that still planned to pay my taxes in full XXXX, thus not correcting the mistake. Tired of dealing with them, I just let it go, paid the additional {$120.00} monthly, and figured it would be resolved with this year 's escrow analysis. Fast forward to XX/XX/XXXX, I received a new analysis that plans to pay my property taxes in full XXXX times, with refund check attached {$850.00}. On or about XXXX I called their customer service line and the person I talked to said he saw the error, told me a new, corrected escrow analysis would be sent, and said I should not deposit the check I received, as a new XXXX would be issued ; I should receive it in 8 to 10 business days. As of today I have received nothing but a normal monthly statement. I checked online today and my next payment payable on XXXX XXXX is {$1200.00}, same as shown on the erroneous escrow analysis, and approximately {$270.00} more than it ought to be due to forecasting to overpay my property taxes by {$3300.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Dulac, LA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Germantown, MD

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: XXXX XXXX XXXX was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because HSBC refused to collect the monies owed to them. I now have a delinquent HSBC entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-31

Capitol Heights, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-31

Brooklyn, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-31

Brooklyn, NY

Disclosure verification of debt

Debt collection: Non-federal student loan

Not given enough info to verify debt
Complaint: In XX/XX/XXXX I made a loan with HFC/Beneficial for the amount of {$13.00}. The rate of repayment was @ {$220.00} per month which latter in the loan around about XX/XX/XXXX the payment were reduced to XXXX per month. My account was sold to another company who has recently adjusted the amount that I owed to them after making a complaint to them that I had been overcharged. Before selling my account, HFC did not notify me nor did they provide me with how much I had already paid to them. I believe that they have also been overpaid.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-31

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I am from the XXXX, and had a savings account in the US with HSBC. I closed the account last XXXX, but only received the cheque for the balance in XXXX this year. It was impossible to contact the bank. It was impossible to get through their automated phone system, as I do not have the items of ID requested ( as I am not a US citizen ). I emailed them, wrote letters and phoned on numerous occasions before finally getting my money 7 months later. No apology, no explanation, and seemingly no reason for the ridiculously long wait for my money. It has been the most frustrating experience, and with no way of contacting anyone of import at the bank itself, I want the world to know how horrendous and incompetent they have been with sorting out this situation. If I could find the name of the chief exec of HSBC America, I would have just written to them, but this seems impossible too, so, I have resorted to this! I would not recommend using this bank to anyone! The levels of frustration - and indeed anger - is incredible, especially as it all seems avoidable. I would love to have an apology from the bank, if not some form or compensation - as I missed 7 months worth of interest on the money they still had ( over {$3000.00} ).
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-31

Canal Whchstr, OH

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Wrong amount charged or received

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

New Rochelle, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-30

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I am a law abiding, squeaky clean, legally XXXX retired distinguished American senior citizen at my vacation home in a XXXX, XXXX, who only has XXXX USA bank account my HSBC checking account with a debit master card that is tied to my funds in my HSBC checking account. My creditworthiness as is reflected by my credit report is excellent as is reflected in my credit score, etc. I have had my account with HSBC for over twenty years when you include the bank that HSBC merged with. I have always gone above and beyond to exercise due diligence with HSBC by for example putting a seven year fraud alert on my credit report when I got a letter from XXXX that someone had attempted to fraudulently open a line of credit with them in my name last year. In addition, I purchased a one year subscription to XXXX Protect My ID service after I got that letter from XXXX alerting me that someone had fraudulently attempted to open a line of credit in my name. I have always been a creditworthy customer of HSBC who has always followed the protocols of HSBC bank. In fact, inasmuch as, HSBC bank over the years has made numerous solicitations for me to open up a line of credit with HSBC and I have refused when I got such a solicitation from HSBC I was shocked that they refused to offer me their credit card. Not only was I shocked but the credit reporting agencies were shocked and said it was discrimination, inasmuch as, I have an excellent credit report and I have always been a creditworthy customer of HSBC bank. Not to mention I have no outstanding debt with any financial institution, no credit card, etc. I was shocked when my HSBC branch manager XXXX wrote me in XXXX that she was closing my HSBC checking account. I contacted HSBC and was informed that they have the right to arbitrarily close even someone like me an always creditworthy customer who has always followed all of the protocols of HSBC and who has always done due diligence when there has even been the slightest problems. Even after I informed XXXX and HSBC customer relations, and HSBC investor relations that it would be an extreme hardship for HSBC to close my HSBC checking account because I am on my way back to the USA and I need to have the liquidity of access to my funds via my HSBC bank account, because it is virtually impossible for me to open a checking account in XXXX and therefore virtually impossible for me to get a check cashed in XXXX, because I am only vacationing in XXXX, I am not going to establish residency in XXXX through the immigration services in XXXX. Moreover, as I have informed HSBC including HSBC investor relations, consumer relations, my branch manager, I am a legally XXXX squeaky clean American senior living alone in XXXX who has no spouse, no partner, no children, etc. ; therefore, if HSBC cuts me off from my funds or access to having my direct deposited US Social Security monthly benefit of XXXX ( {$XXXX} ) monthly direct deposited to my HSBC account and further I am cut off from my monthly direct deposited XXXX ( XXXX ) pension benefit on one XXXX ( {$XXXX} ) which is also every month direct deposited to my HSBC bank account I am not going to have access to money for basics for my life sustaining food and medications that for me a legally XXXX senior who this month a treating physician in XXXX recommended I return to the USA to get my congestive XXXX XXXX treated because I only have health insurance for the USA not XXXX or anywhere else, I could literally have a massive fatal XXXX XXXX or XXXX and/or my other bodily systems fail because I am cut off from my direct deposited funds to purchase my life sustaining food and medications. HELP
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-28

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

East Brooklyn, CT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Yonkers, NY

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-27

Murray, UT

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I had an HSBC credit card that was opened in XXXX XXXX. The last date of activity on the account is XXXX XXXX, XXXX. My husband was contacted by XXXX XXXX XXXX XXXX, XXXX in XXXX of XXXX regarding this account. He was told we needed to take care of this debt immediately or a judgement would be filed and we would be served. We both reviewed the account and knew it was beyond the statute of limitations. They continued to call and harass my husband at his office of employment. XXXX XXXX XXXX XXXX, XXXX NEVER contacted me directly even when asked to do so. They also made statements to my husband such as " I can see on your credit report that you are well off and can handle this debt. '' They were told to no longer contact us. In securing a new mortgage, we discovered they had pulled my hard credit report in XXXX of XXXX regarding this account effectively damaging my credit rating. I contacted them and spoke at length with XXXX XXXX on XXXX XXXX, XXXX. They indicated a judgement would be filed and that I needed to pay a total of {$1900.00} on a credit card account, past the statute of limitations, that had a balance of {$600.00}. I kept explaining the debt was beyond the statute of limitations and they could take no legal action. They indicated the last date of activity as XXXX XXXX. I corrected them several times as the date of last activity is in my credit report. They threatened that the next course of action would be to file a judgement and have that information corrected. I ended the call after speaking with a supervisor.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Schuyler Falls, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-26

Taft, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: HSBC refuses to communicate with XXXX XXXX XXXX concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-26

Kawaihae, HI

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: My daughters and other family members have been getting repeated recorded calls on their cell phone and home phones. Recorded calls say there is a civil matter with my name and SSN attached to it. They do not leave a valid number to call back on. When my husband got the XXXX call he was able to get someone on the phone and got a valid number for me to call back on. I called that number on XXXX/XXXX/15 about XXXX times and left about XXXX messages for a call back. No one called me back. I finally got to speak to a live person on Thursday XXXX/XXXX/15, name is XXXX XXXX or XXXX, threatened that they will be serving me papers for an old credit card debt and also that someone had already called in and claimed to be me so they will be filing fraud charges against the phone number they have on recorded for that supposedly call. They did not want me to speak my side and would not give me the account number that they have and kept putting me on hold so he could speak to his supervisor and the XXXX time he did that he disconnected the call. Advised that I was being recorded and he asked me to confirm my name / last digits of SSN, bdate and age. XXXX call came in at XXXX XXXX my time on my phone ( XXXX/XXXX/15 ) My number as well as my daughters / husbands/ mom numbers are registered on the National Do Not Call list.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-26

Dos Vientos Ranch, CA

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2015-03-25

Stafford, VA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-25

Fearrington, NC

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: Due to a court order from my divorce, I either have to refinance my home or put it on the market by XXXX XXXX, 2015. I spoke with an agent at XXXX bank who has me locked in at a rate as of XXXX XXXX, 2015. On XXXX XXXX, 2015, I 've been dealing with an HSBC agent and inquiring about my account and wondering why they had continued adding interest on the back end of my loan. She called me back the following morning and said that it was incorrect and that she would look into it. I have been telling her that time is of the essence and as of today, XXXX XXXX, 2015, it 's just now going up to another level because it 's not being taken care of. " TIME IS OF THE ESSENCE. '' I need your help on this matter because from what I see, I 'm going to loose my rate that I 'm locked in on and if I had sold it, I could have very easily lost that deal due to insufficient knowledge of a bank that holds not only my mortgage, but millions of others. Knowledge of something that they should know. A bank that has not given respect to a long time customer and XXXX that is trying to fulfilled court orders. Please help! Sincerely
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

OH

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: I received my income tax in 2010 through XXXX on a card loan through HSBC bank. I purchased a insurance throught XXXX if anything on my taxes were wrong they would cover it. Well HSBC Bank is saying XXXX over payed me XXXX dollars. I told them I had the insurance through XXXX and I contacted XXXX and they told me they will handle the problem. Well HSBC refused to talk to XXXX to get the problem taken care of. I could not get the problem handled without them letting XXXX getting involved so it became at a stand still. XXXX tried to cotact them and they would not discuss the matter with them. HSBC reported to the credit agency they sent us up with payments and we never made payment saying I was late and missed XXXX payments. WE NEVER MADE A PAYMENT AGREEMENT A ANY TIME. I have filed bankruptcy and included HSBC in my bankruptcy since they would not comply with XXXX. They are 5 years after bankruptcy they are still showing on my credit report I missed and was late on XXXX payments. They have no proff I was late or missed any payments. Now this is stopping me from getting a home equilty lone to purchase a home for my family. Pleas HELP Thank you XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-25

OH

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My mortgage company HSBC say I owe one month back mortgage and I do n't and they keep sending me letters saying that I 'm past due one month.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response