HSBC NORTH AMERICA HOLDINGS INC
Consumer Complaints
There are over 9237 complaints on file for HSBC NORTH AMERICA HOLDINGS INC. Dated between 2019-12-16 and 2011-12-01.
Complaints Page 53
2018-06-04
Alma, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-06-04
Discovery Bay, CA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-06-04
Phila, PA
Incorrect information on your report
Mortgage: FHA mortgage
Company Response: Closed with explanation
2018-06-04
Buena Ventura Lakes, FL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-06-04
NJ
Closing an account
Checking or savings account: CD (Certificate of Deposit)
Funds not received from closed account
Complaint: Last year I tried to close my COD account with HSBC and after several tries, I gave up and just let it be. However on XX/XX/XXXX, I finally followed up again and closed my COD account with them. They said they would issue a check via XXXX within 5 business days. I still haven't received my check and its XX/XX/XXXX. After 3 follow up calls and a call to XXXX XXXX, HSBC has no clue where the check is and only realized this on the last call. They were unwilling to take necessary steps to call XXXX and find out and give me a status and asked me that I need to call XXXX for this. They were so quick to close my account but where is my check for $ XXXX? I called them again today and now they can't find it and they are re-issuing the check. However they told me that they will call me back on Friday to find out if there are any further issues. Why is this taking so long? Its been almost 2 weeks that I haven't received my funds. How can a bank pass any of their key controls if they can't even pay back their customer deposits?
Company Response: Closed with monetary relief
2018-06-02
Bolivar, MO
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: We have lived in our home for 34 years.
We made a Loan with XXXX XXXXXXXX / HSBC in XX/XX/XXXX of {$100000.00} HSBC was the Lender & the Loan Servicer.
Each month we would receive a " statement '' from HSBC to make our payment.
The payment was {$740.00} In XX/XX/XXXX we filed for Chapter XXXX Bankruptcy in XXXX, MO with Attorney, XXXX XXXX XXXX.
HSBC was NOT included in the Chapter XXXX Bankruptcy, as we were prepared to make our monthly payments to HSBC as usual.
HSBC was notified of this.
We paid off the Chapter XXXX in XX/XX/XXXX Since XX/XX/XXXX HSBC ceased ALL communication with us.
HSBC sent NOTHING No " statements '', No mail, No phone calls, nothing.
We tried calling HSBC for over 6 months We tried to find out where to send payments, but every phone call to HSBC was met with " we can not talk to you about your account while you are in Bankruptcy ''.
We wrote letters to HSBC with no replies from HSBC.
Our Bankruptcy Attorney, XXXX XXXX XXXX, called HSBC and was met with the same answer.
Our Bankruptcy Attorney XXXX XXXX XXXX, told us the HSBC will contact us after the Bankruptcy is finalized.
We paid off our Chapter XXXX in XX/XX/XXXX and still " nothing '' from HSBC.
It has now been " over 10 years '' since our last communication with HSBC and we received a " notice of Foreclosure '' from HSBC.
It is then I contacted Foreclosure Attorney, XXXX XXXX.
HSBC has since sold the Loan to XXXX XXXX XXXX, who has filed Foreclosure.
XXXX XXXX XXXX has since sold the Loan to XXXX XXXX, who has filed Foreclosure.
XXXX XXXX XXXX has tried to have us evicted.
Our Attorney, XXXX XXXX, had the Court set a Trial By Jury for XX/XX/XXXX.
XXXX XXXX XXXX has since filed a Unlawful Detainer.
XXXX XXXX XXXX informed our Attorney that they may settle for apprx {$65000.00}.
Knowing that we can not get a Loan while under Foreclosure.
We have no other avenues, as we are on Social Security now.
.
To me : HSBC was supposed to be the Lender & Loan Servicer, but has since turned into a Loan Collector and aggressor.
There is nothing in our Loan agreement that states HSBC has the right to cease ALL communication & not continue to send statements for us to pay the loan.
HSBC caused the loan to go into Foreclosure and made demands " after 10 years '', knowing full well that we as the Borrower did not have sufficient funds to pay the loan off.
Our rights as a borrower has been denied by HSBC & has caused " irreparable harm '' to our credit, home and livelihood.
HSBC has committed fraud on us, as the borrower.
The methods used by HSBC was fraudulent, and designed to obtain a Foreclosure which goes against many Lender / Borrower rights & laws of the State of Missouri.
Had HSBC kept with our agreement and made contact with us, instead of denying contact, we would still be making our loan payments and not be in the position HSBC has put us in.
We contend that HSBC never intended to service the Home Loan in good faith and instead became the collector / aggressor to make the loan move into Foreclosure thru fraud.
Why else the NO communication, phone, mail or any other means from HSBC?
Why else the " over 10 years '' of NO communication, phone, mail or any other means from HSBC?
We have continued to pay our Home Insurance & Home Taxes every year.
We also contend that XXXX XXXX XXXX and XXXX XXXX has NO stake in the ownership of the Loan or our Home, because of HSBC failure to Service the original Loan and having NO contact for over 10 years with us, HSBC has yet to offer any excuse.
XXXX XXXX XXXX should have accepted HSBC & XXXX mistakes & we should be the " Plaintiff '' & should have the right to sue them for all this XXXX.
We were always prepared to make the Payments as agreed, but " how could we ''? ... ..They would not talk to us or even offer to start making payments.
Company Response: Closed with explanation
2018-05-31
Wallington, NJ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I initiated 2 ACH outgoing transfers for {$50000.00} each.
Meaning {$50000.00} twice + {$100000.00} would go out from my account on XX/XX/XXXX into another institution!
I also called a rep to make 100 % sure I did everything right, and was told all is good and it'll leave same day since it was initiated before XXXX Im summary, after the {$100000.00} leaves my account I would only have a few hundred dollars left. However at night a fraudulent judgement ( I never got served, and I have proof I paid for the debt ) took out {$75000.00} from my account causing me to XXXX and take XXXX steps which were prevented by a family member.
I called HSBC informing them it's fraud. But there's no one to talk to which is common in the banking industry!
What HSBC failed to understand is when a judgement is entered into your account, they can only take the amount that's in the account, even the judgment is for more that doesn't mean the account can now go negative just to satisfy the judgement.
In my case HSBC first canceled one of my {$50000.00} outgoing ACH on the assumption it's a mistake, although never called me to ask. Then the {$50000.00} ACH did out out, but only one time {$50000.00} ( and HSBC is fully liable for canceling the 2nd ACH ) and after the {$50000.00} ACH went out from my account this fraudulent default judgement for {$75000.00} went out from my account and HSBC honored it which as a result caused my account to become NEGITIVE. And as a result of my account being negative HSBC suspended my account, my line of credit and my credit card ( which will have a bad impact on my credit ). Then I called HSBC they said the ned to verify my identity and requested identification I TOLD THEM THAT I ALREADY SEND IN ALL THOSES THINGS WHEN I OPNED THE ACCOUNT, AND THEY SAID THEY DON'T HAVE IT so it's good to have on record that HSBC violated the patriot act, and only LATER requesting documents to comply with KYC.
And as I write this, I have this fraudulent {$75000.00} out of my account, my account is restricted, line of credit restricted, credit card doesn't work, and I have no idea what's going on, the representatives don't even want to tell me my balance, their accusing me of fraud instead of protecting me in such a situation.
AND WORSE OFF ALL, IF HSBC WOULD HONOR MY TWO ACH REQUEST I WOULD OF NEVER LOOSE THIS {$75000.00} ( I might anyways not loose it, as I'm taking an attorney to fight this fradulent t judgement, but unril then I'm out {$75000.00} and this would of never happened of they honored their duty to fulfill my ACH transfers
Company Response: Closed with explanation
2018-05-31
Brooklyn, NY
Managing an account
Checking or savings account: Savings account
Banking errors
Complaint: This is the letter I wrote to the CEO of Retail banking for HSBC ( XXXX XXXX ) after not making progress with the customer service center. It explains the situation in detail. I have heard nothing back from the bank since and have been unable to recover my {$25000.00} that was lost to the bank 's error.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, I am writing to you to inform of you a very distressing experience with HSBC US. I am a Premier Customer who is going through a very bitter divorce. I looked at my accounts on my mobile app Sunday XX/XX/XXXX and discovered $ XXXX had been transferred out of my savings accounts into my ex-husbands XXXX account without my consent. I immediately raised a fraud concern. This conversation was horrendous, the rep continuously talked over me and was very unhelpful, I could not understand how this had happened and was deeply distressed. I kept asking how is it possible for my ex-husband to get access to my savings accounts? The rep assured me someone would call me back. No one did. I called back the following day to discuss further and got through to another rep ( who also talked over me! ). This rep informed me the savings account in questions was a joint account. This was a HUGE surprise to me. Back in XX/XX/XXXX I went into the XXXX XXXX branch of HSBC to open accounts in my own name to protect my assets from my soon to be ex-husband. I told whoever it was I spoke to what the situation was and that I needed help protecting my money from my ex as he pays nothing towards my XXXX daughters welfare. I was told I needed to open a new checking account and close the joint account which I did. I was also told I DID NOT need to open a savings account as I already had on IN MY NAME only. I categorically remember asking them to confirm this as I am sure you can appreciate how important it is for me to have protection of my assets.
When I was told by one of your reps today that it is a joint account I nearly fainted. I ask why I would put all my money into the one place he can get access to. As far as I was informed by HSBC it was not a joint account, it was my account solely in my name. Because I was misinformed I am now $ XXXX less well off, money I need to cover the costs of raising XXXX children alone in XXXX. There is a clear paper trail to identify all of that money as my money earned as part of my bonus for the year of XX/XX/XXXX, a year I lived alone with my XXXX children with no financial support from their father. Money he has now been able to help himself to because HSBC made a BIG mistake.
Once I realized HSBC has made this error instead of helping me I have been made to feel like I am on trial if you listen to your calls you will hear the countless reps I have been passed around too literally saying its your word against ours. No one has listened to me, no one has offered to help. I see this as a fundamental error of HSBC misinforming me when I categorically ask for help to protect my assets from my ex-husband.
I have enclosed screens shots from your HSBC website of my savings account as well as listed contact information nowhere showing my exs name and hence no reason for me to not believe the rep in your XXXX XXXX branch that confirmed that my account was in my name only and safe. For contrast, I have also included screenshots of my still existing joint account in the XXXX that does show the name of me and my ex.
I would like to kindly ask you to help me. What can HSBC do to help me retrieve that money money I have lost due to a HSBC error, money I can not afford to lose for the sake of my XXXX children? Money I had asked you as my primary bank to help me protect. This transaction is fraud and it is theft as it was taken from my sole account without my consent. It does not matter to me that technically it was a joint account as that technicality is the fault of HSBC.
Company Response: Closed with explanation
2018-05-31
Brooklyn, NY
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with non-monetary relief
2018-05-31
Auburn, NJ
False statements or representation
Debt collection: Mortgage debt
Attempted to collect wrong amount
Complaint: Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower doesn't need, doesn't want or can't afford. This is exactly what XXXX XXXX XXXX XXXX ( Beneficial ) is guilty of in the case of my now deceased parents, XXXX and XXXX XXXX. CFPBs job is to protect consumers from this type of abuse when it is reported. I ask that CFPB hold Beneficial, XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX accountable for their unconscionable actions. Although too late for my parents, I hope appropriate action by the authorities will prevent thousands of other consumers from being financially destroyed by these unscrupulous and repulsive financial and servicing institutions. Background : On XX/XX/XXXX loan # XXXX was established between XXXX XXXX XXXX XXXX in the principle amount of {$32000.00}. The term of the loan was for 180 months with an astonishing high interest rate of 17.895 % ( Risk Based Pricing ). After reviewing the documentation regarding this loan provided by Beneficial, I have discovered the following unethical, or even perhaps illegal discrepancies. Discrepancy # 1 : Beneficial states, Please note that we are unable to provide the origination Appraisal for loan # XXXX ( formerly XXXX ) as it is not available. Therefore, Beneficial unethically lent money to a consumer without an appraisal for a property they were seeking a security interest in? I constitute that as predatory, or at least negligent. Discrepancy # 2 : On the Loan Repayment and Security Agreement ( Page 1 of 3 ), the property address is listed as XXXX XXXX, XXXX, NY XXXX, with the loan number being XXXX. This is neither the correct loan number nor is the property address zip code for XXXX XXXX, its XXXX. Note Beneficial states, You are giving us a security interest in the real estate located at the above address. This cant be the case, as that address does not exist. Discrepancy # 3 : The Truth-In-Lending Disclosure ( Page 1 of 2 ) contains the wrong address and loan number. Also, the Annual Percentage rate is an astonishing 19.001 % ( predatory ). Discrepancy # 4 : Loan Summary page contains the wrong property address. Discrepancy # 5 : XXXX XXXX credit report contains the wrong birthdates of both my parents. They ran a report for my father as XXXX XXXX. His name is XXXX XXXX, not XXXX XXXX and wrong birth date. They even disregarded four ( 4 ) XXXX alerts on the report. Instead of running a credit report for my mother ( co-signer ), they erroneously ran a credit report for a XXXX XXXX. The report had wrong name, wrong SS #, wrong birthdate and wrong address. Discrepancy # 5 : The Good Faith Estimate ( Page 1 of 2 ) did not disclose all charges. In all, they were charged {$1800.00} of excessive fees. Discrepancy # 6 : Title report was ran by XXXX XXXX XXXX XXXX XXXX on property with Deed dated XX/XX/XXXX, recorded XX/XX/XXXX, XXXX XXXX, Page 770. This is the legal description used in both the note and mortgage filed in XXXX County, NY. On XX/XX/XXXX loan # XXXX ( which is crossed out and replaced with XXXX ) was established between XXXX XXXX XXXX XXXX in the principle amount of {$62000.00}. The term of the loan was for 240 months with an astonishing high interest rate of 11.540 % ( Risk Based Pricing/Loan Flipping ), with the following discrepancies : Discrepancy # 1 : Loan Repayment and Security Agreement ( Page 1 of 3 ) contains the wrong property address. Again, they state, You are giving us a security interest in the real estate located at the above address. Thats impossible, because it is incorrect. Discrepancy # 2 : The Truth-In-Lending Disclosure ( Page 1 of 3 ) contains the wrong property address. Discrepancy # 3 : The Loan Summary contains the wrong property address. Discrepancy # 4 : The credit reports ran contain the wrong birthdates of my parents. XXXX alerts were discarded. Discrepancy # 5 : The Good Faith Estimate contains the wrong property address, as well as discloses misleading, repetitive and excessive fees that my parents were charged for just six months earlier. Discrepancy # 6 : The Settlement Statement contains the wrong property address and charges my parents an astonishing {$4100.00} in settlement charges. This totals a sum of {$6000.00} in charges over a six-month period. Discrepancy # 7 : Title report was ran by XXXX XXXX XXXX XXXX on property with Deed dated XX/XX/XXXX, recorded XX/XX/XXXX, XXXX XXXX, Page 770. This is the legal description used in both the note and mortgage filed in XXXX County, NY. Discrepancy # 8 : The Uniform Residential Appraisal Report does not match the legal description of the deed ran by the Title Company. Also, it only states the address as XXXX and later in the report as XXXX XXXX. XXXX. Discrepancy # 9 : The Mortgage and Consolidation Agreement attached contain the wrong property address. The zip code for XXXX is listed as XXXX. XXXX zip code is XXXX. Discrepancy # 10 : The Optional Credit Insurance Disclosure contains the wrong address. The loans listed above were then consolidated by Beneficial on XX/XX/XXXX in the sum of {$110000.00} and riddled with similar discrepancies and fraudulent behavior, which I have previously reported to no avail. After my parents passing, Beneficial fraudulently sold these deficient and unenforceable loans to XXXX XXXX XXXXt XXXX by XXXX XXXX XXXX XXXX, XXXX and transferred the serving to XXXX. XXXX and XXXX continue to try to enforce these unenforceable loans and threaten my parents estate with foreclosure. I would like to see the appropriate action taken against these institutions and for them to admit their wrongdoings and cease and desist their present actions. It is obvious Beneficial partook in predatory, unethical and fraudulent behavior and took advantage of my parents unsophisticated and uneducated financial literacy. Beneficial has the documentation I have cited, as they provided it to me. They need to be held accountable, cure the loans with XXXX and discharge the erroneous records filed in XXXX County, NY Land Records. As such, on behalf of my parents estate, I continue to dispute all alleged debt associated with XXXX account XXXX. I am fully prepared to litigate this matter should it become necessary.
Company Response: Closed with explanation
2018-05-30
San Francisco, CA
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with monetary relief
2018-05-30
Aventura, FL
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2018-05-29
Baytown, TX
Opening an account
Checking or savings account: Checking account
Account opened as a result of fraud
Complaint: I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address
Company Response: Closed with explanation
2018-05-28
Madison Square Sta, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2018-05-28
Ft Lauderdale, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Complaint: XX/XX/2018 To : Federal Reserve Bank, XXXX consumer finance This is a complaint Against HSBC Bank. USA, N.A XXXX XXXX XXXX XXXX, XXXX XXXX.
In the last few weeks I experienced difrential and unfair treatments by HSBC bank caused me great stress and aggravations.
I tried to reach the bank for a number of days to close the recent card sent me without any success. ( card No : XXXX ).
I applied for a credit card about 6 weeks ago. I received the approval and the credit card thereafter. I activated the card successfully. Days after a found that a block was done on my credit card. When I called a representative requested identifications of my address and my driver license which I did send them to the website they provided they emailed to me. Days later a representative told me that they did receive them and under review.
For about three weeks I tried to find out if I can use the card without success.
Every time I called, the agent, I was transferd me to other agent. In each transfer, I waited 20 to 40 minutes without response.
On XX/XX/XXXX, I called the following listed HSBC numbers : XXXX ( XXXX ) XXXX at XXXX, XXXX ( XXXX ) XXXX XXXX at XXXX, XXXX ( XXXX ) XXXX at XXXX and XXXX ( XXXX ) XXXX atXXXX. And again was not able to connect to any agent. Finally, the agent of the number XXXX ( XXXX ) XXXX informed me that my card is activated and ready to be used. Later, I tried to charge {$100.00} to XXXX, the charge was declined.
This caused me real anguish and distress. Therefore, I decided to call to cancel the card using all available HSBC numbers without any success.
Every time the agent tells me that he will transfer me to the team who handle my Account. And every time I wait and wait and did not get a response.
Therefore, I decided to cancel my card and get confirmation that my credit card is canceled and the account is closed. That to be sure that my account will not be hacked. Until today XX/XX/2018 I was not able to.
These practices by this bank represented unfair treatment and disregard of the consumer rights. Again, this would create risk of hacking my credit and hurt my credit.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
Company Response: Closed with explanation
2018-05-26
El Paso, TX
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: I received a credit card from hsbc bank. I had issues was not working and received a debt release or credit release indicating since I had not paid my debt, It would be added to my income. Since it was added to my income then it became as a debt that was paid. They should not be reporting to the credit agency as not paid. XXXX, XXXX and XXXX. I have already reported the debt as part of my income and was taxed on that incomed. This appears to be a form of accepting payment twice for credit that was added to my w2 form as a form of income. Is this a legitimate business practice. If it is please explain the law or statue that allows it. Not a business policies. Policies are not laws.
Please assist me. My complaint is with the merchant I will file a dispute with the creditor after I get a response from the merchant.
Company Response: Closed with explanation
2018-05-26
NY
False statements or representation
Debt collection: Mortgage debt
Indicated you were committing crime by not paying debt
Company Response: Closed with explanation
2018-05-26
Herndon, VA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Company Response: Closed with explanation
2018-05-25
Scottsdale, AZ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: HSBC has created a burdensome and layered system to access your account and make electronic payments. It requires a paper form to establish an automatic payment and it requires pre-established pin to access your online account.
I attempted to request a temporary access and I was a 20 number temporary username.
These steps and requirements are said to be placed for security reasons but further insight into these practice can show an attempt to lock out older or less engaged account users.
Company Response: Closed with explanation
2018-05-24
Coconut Grove, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Company Response: Closed with explanation
2018-05-24
Cantonment, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-05-23
Brooklyn, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2018-05-23
New York, NY
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-05-22
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Problem accessing account
Complaint: We kindly refer to the previous correspondences with CFPB and FDIC pleas see attached our Description and requests as follow : -- -- - Forwarded message from " XXXX XXXX '' <XXXX> -- -- - Date : Sun, XX/XX/XXXX XXXX XXXX Subject : Fw : Fwd : Re : XXXX XXXX XXXX XXXX / XXXX XXXX - Suspect of misuse of accounts and deposits : XXXX, XXXX, HSBC, XXXX - XXXX XXXX XXXX etc.
To : " XXXX '' <XXXX>, " XXXX '' <XXXX>, " XXXX '' <XXXX> Cc : XXXX XXXX <XXXX> URAGENT / FDIC CASE No XXXX FROM : XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX XXXX / XXXX ; ATT : Consumer Financial Protection Bureau ( CFPB ) / XXXX XXXX XXXX , Director of CFPB XXXX ; FDIC XXXX XXXX XXXX and XXXX to be forwarded to the Board of Governors of the Federal Reserve System ; SEC USA and Department of Finance of US - Congress , CC : XXXX ; Ladies and Gentlemen, We refer to the previous correspondences. According to our research there is urgent suspect of abuse of international currency and financial system worldwide whereby identified accounts, deposits, equity and assets owned by XXXX XXXX XXXX XXXX / XXXX XXXX are and were misused by banks mentioned below : 01. XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, branches from XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX is an universal bank, with the head office in XXXX / XXXX being fully responsible and liable for all the economic activities of its branches and subsidiaries worldwide.
02. XXXX XXXX XXXX, XXXX ; 03. XXXX XXXX PRIVATE BANK ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ; 04. XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; 05. XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ; 06. XXXX XXXX, XXXX XXXX and XXXX ; 07. XXXX XXXX XXXX XXXX ; 08. XXXX XXXX XXXX and XXXX XXXX XXXX ; 09. XXXX XXXX ; 10. XXXX XXXX XXXX XXXX ( XXXX ) ; 11. XXXX XXXX XXXX, HSBC XXXX, HSBC XXXX XXXX, HSBC XXXX ; 12. SXXXX XXXX XXXX XXXX ; As part of this correspondence, we therefore provide you with evidence regarding our identified owner accounts, deposits and securities in association with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and refer to the documents already provided to you.
Today, we are adding other evidence of investments related to our company XXXX XXXX XXXX / XXXX XXXX concerning our shares, accounts, deposits and securities in connection with XXXX XXXX, XXXX XXXX XXXX ( HSBC XXXX, HSBC XXXX XXXX and HSBC XXXX XXXX and XXXX XXXX XXXX XXXX. The total volume of our investments amounts to USD XXXX. of which realized investments, our deposits, transactions and securities were and are on the stock market worldwide.
Based on submitted agreements with XXXX XXXX ( XXXX ) XXXX, for our company XXXX XXXX XXXX XXXX ( - this with reference to last bank statements dated XX/XX/XXXX, already submitted - ), is apparent that our deposits and securities at XXXX XXXX XXXX as at 15. XX/XX/XXXX amounted to USD XXXX, XXXX Billion. In addition, interest rates, dividends and income - that was never paid out - have to be added.
The value and key figures of executed orders and transactions through various banks in the name of XXXX XXXX XXXX / XXXX XXXX with the other banks mentioned above are partially apparent from the submissions in the stock market and refer to registrations with SEC, US FED, XXXX, XXXX, XXXX XXXX, clearing system, DTC etc. and also are partially insured with FDIC ( as confirmed by FDIC ).
Not one of these banks has paid dividends, income or interest to our company XXXX XXXX XXXX / XXXX XXXX. We have not received any information about our requirements regarding realized transactions it was not possile to enable us access to our own accounts, registered stock values and deposits. This is clearly evident from our correspondences since XX/XX/XXXX.
Not one of these banks has filed tax returns and/or declared binding statutory taxes regarding our assets, not one informed XXXX XXXX XXXX XXXX / XXXX XXXX about tax-matters and/or consequences. For years XXXX XXXX XXXX XXXX for these banks obviously served as a vehicle to operate offshore, doing their tax-exempt businesses in the billions of USD, this on our back and on our risk.
As proved by evidence and documents submitted to you, in XX/XX/XXXX, after conducting a full investigation ( with the support of the XXXX XXXX of XXXX ), XXXX tax authority has determined tax liability in volume of USD XXXX Billion charged to XXXX XXXX XXXX XXXX, solely with reference to the investments existing at XXXX XXXX XXXX in the name of our company.
Therefore it is obvious that banks mentoned above have acted improperly and with full intent, most likely also in consultation with each other, and abusive have used our own accounts, deposits, instruments, guarantees and securities and our stock values. On the part of the aforementioned banks, illegal transactions were conducted without our knowledge and without our consent, whereby over the stock market thousands of investors in the USA and in other countries were abused. By such illegal transactions from our accounts numerous criminal offenses have been committed, not only infidelity and abuse, but also forgery, money laundering and tax evasion. An example is illegally realized clearing transaction between XXXX XXXX ( XXXX ) XXXX and XXXX XXXX in XX/XX/XXXX in XXXX XXXX in the amount of USD XXXX Billion. This was done to the detriment of deposited assets of XXXX XXXX XXXX XXXX invested in XXXX XXXX ( XXXX ) XXXX ( please see page 6 of the official Clearing Document, which document already has been sent to you ).
It is extremely noticeable that through above-mentioned illegal activities of above-mentioned banks concerning our assets, and through close collaboration of the banks concerned, any inspection consequently was denied. This refusal was necessary in order to be able further to dispose of our assets without any hindrance.
The banks concerned ( e.g. XXXX XXXX XXXX ) seem to be relying on their illegal activities to remain undetected. Those banks primarily are systemically, why ( because of their size, economic importance and also political power ) they trust that even regulators will not oppose them.
Also from the letter addressed to XXXX XXXX XXXX ( dated XX/XX/XXXX ) it is conclusive to deduce that the banks have been proceeded and will proceed on a systematic and obviously fraudulent basis.
The criminal activities of these banks in connection with the legally exclusive assets of XXXX XXXX XXXX XXXX / XXXX XXXX consistently have deceived US INSTITUTIONS. This, with obvious aim that by misusing our assets as described, they gain an improper enrichment in favor of those banks, their customers and / or third parties. In addition, one must remember that these activities and methods already partially have been used for decades (! ). For XXXX XXXX XXXX XXXX this is completely inadmissible and unacceptable.
Due to such global fraud of the managers personally responsible for the respective acting banks ( to our disadvantage ), also the world-wide financial stability is extremely endangered. This, because of the gigantic sums and shifts of assets in the hundreds of Billions of USD.
XXXX XXXX XXXX XXXX therefore requests, this because of apparent threat to our assets and the threat to international financial stability, to take all legal measures to protect our assets, accounts, deposits, guarantees, bank instruments and securities and to make them available. In addition, it is necessary immediately to take adequate sanctions against the banks mentioned. In any case, XXXX XXXX XXXX XXXX intends further to invest a large part of our assets in the USA and also worldwide in agreement with the responsible US institutions.
We therefore ask you for your understanding that in view of such a gigantic, global scam with hundreds of billions of USD simple standard steps of the respective national supervisory authorities can not be expected. They are clearly overwhelmed. Further clearing and prosecution therefore primarily is in the responsibility of national and international law enforcement authorities. XXXX authorities already have been informed by us where we have submitted corresponding applications and requests.
Please note that in the meantime the Ministry of Justice in XXXX/ XXXX has informed us that the responsible Prosecutor General has been requested to process our criminal charges. Further there is our insolvency petition against XXXX XXXX XXXX filed at the competent court in XXXX XXXX XXXX.
We kindly ask you to forward this e-mail and all our correspondence related to the Board of Governors of the Federal Reserve System, SEC USA as well as to the relevant Department of Finance of US - Congress, and a.s.a.p. to inform us about.
We remain with kind regards XXXX XXXX, XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, 100 % XXXX XXXX and XXXX from XXXX XXXX XXXX XXXX ATACHMENTS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) .XXXX XXXX XXXX ( XXXX ) XXXX Bank Guarantee AND CUSTODIAN XXXX-FDIC INSURANCE NUMBER -DBS BANK STATEMENT , AUTHORIZATION , PROOF OF FUNDS ASSET, BG COMMON
Company Response: Closed with explanation
2018-05-22
Browns Mills, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation