HSBC NORTH AMERICA HOLDINGS INC

2018-05-22

Katonah, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-05-22

Arco, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Short version is there is a hard pull being erroneously reported to XXXX by the bank ( HSBC ). XX/XX/XXXX - I downgrade my creditcard with a phone agent named XXXX, she confirms that there will be no hard pull for this downgrade XX/XX/XXXX - hard pull appears on my credit report, HSBC agent tries to convince me that it is a soft check, I provide evidence showing it's indeed hard and not soft XX/XX/XXXX - HSBC agent XXXX admits erroneous hard pull, provides nominal handout XX/XX/XXXX - HSBC agent XXXX requests the inquiry on XX/XX/XXXX be removed, and that I should wait 60 days for this change to reflect with the credit bureaus. Hard pull still being erroneously reported, HSBC tells me that " it only affects my score up to 90 days so who cares. ''
Company Response: Closed with non-monetary relief

Timely Response

2018-05-22

City View Heights, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-05-21

East Rockaway, NY

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-05-21

Tampa, FL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Complaint against HSBC, NA Good morning, an Assign and Release Form between the POAs and HSBC, HSBC is to wire in the amount of {$8200.00} to mothers account which funds were fraudulently taken. When this agreement was drawn up we didnt return it right away due to taking care of mom, and finally getting her to sign the agreement which was no easy task. HSBC did not include a date for which this document was to be returned. As recently as XX/XX/2017, HSBC has requested the swift # to wire the funds again. Request from XXXX XXXX via e-mail to myself and communication with the other POA. We are seeking funds be credited to mothers account as stated in the agreement. We have made financial decisions contingent on these funds being sent to mother to cover expenses she is incurring at her senior facility. Every time one of us contacts HSBC, they claim the swift # was not supplied. It has been supplied. My last communication to XXXX XXXX, she was to check that the swift number was correct. It does not take weeks, days or months to verify swift numbers. Thank you for your time.
Company Response: Closed with monetary relief

Timely Response

2018-05-21

Philadelphia, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Attempted to request for a workout option to keep home with lender and was denied for only one option ( modification ). Was told there was no other option and could not reapply for a modification. Lender requested that 50 % of past due amount would have to be paid upfront before any consideration of a repayment plan. The amount was estimated to be over {$7500.00}. I do not have that amount of money. I have attempted several times to negotiate with the lender and have provided all requested documents. I want to keep my home after residing there for XXXX.
Company Response: Closed with explanation

Timely Response

2018-05-21

Buffalo, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with non-monetary relief

Timely Response

2018-05-21

Auburn, NJ

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX ( XXXX ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/2018, XXXX stated, " Lenders Placed Insurance In your inquiry, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from XXXX dated XX/XX/2018 and received XX/XX/2018, XXXX states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to XXXX they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. XXXX continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.
Company Response: Closed with explanation

Timely Response

2018-05-21

Brooklyn, NY

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2018-05-21

AK

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: My XXXX-year old godmother opened a joint account with me for the purpose of saving money for her funeral. ( I have accepted responsibility for planning her funeral when the time comes. ) She deposited a total of $ 14,000+ in the account and the funds sat there untouched for several years. In the summer of XXXX, an individual presented the bank with a Power of Attorney purportedly signed by my godmother. In fact, the PoA was never notarized by the signature purporting to be hers. Further investigation by the local law enforcement agency shows that the supposed Notary Public does not even exist. The bank was careless in accepting the PoA. The bank was careless in not noticing the account being totally drained in a 2-month period after having sat inactive for many years. This was a total disservice and disservice to an elderly person. The local law enforcement agency is actively investigating this matter but we do not expect to ever be able to recoup the money from the man who stole it. I have written to HSBC in XX/XX/XXXX and asked them to restore the missing money. The bank has ignored my complaint and request. The bank has possession of my original letter, the Power of Attorney and all the monthly banking statements showing the activity on this savings account.
Company Response: Closed with explanation

Timely Response

2018-05-21

Syr, NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-05-21

Fresno, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-05-19

Sm, KS

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-05-19

Oak Grove, MO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I received a phone call from XXXX XXXX XXXX XXXX on XX/XX/XXXX informing me that I owed a debt on a credit card from XXXX. I have no recollection of this credit card and when asked for some proof that this was actually my debt, I was told to call the original bank that held the card. XXXX e-mailed me a letter that gave me the original account number for the account and their representative gave me HSBC banks phone number. I called the bank and was told that account has never existed. When I called XXXX back to find out what was going on, I got lots of excuses as to why I did it wrong and how the account number may be wrong. The representative got to yelling and being ugly with me so I ended the call. He then took to calling me repeatedly and finally left a voice mail threatening to sue me for the money. As it is, all I asked for was proof that the bill was mine. I was informed he doesn't have to show me anymore proof than a letter that lists the account number and original creditors name, that he wrote up himself.
Company Response: Closed with explanation

Timely Response

2018-05-18

Arco, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Complaint: To summarize what follows: HSBC took a month to complete a balance transfer, even though their only communication with me regarding a time frame for such a transfer predicted 7-10 days. They have stonewalled my complaints, even though I lost money in this time period in the form of interest. I also experienced a lowering of my credit score, because HSBC posted the transfer to my account the day I requested it, despite not paying the other credit card company; my utilized credit doubled. I am looking for new housing, and lowering my credit score has made this process more difficult than it should be for me. After it is completed, I want to have this balance transfer forgiven in full by HSBC, to make up for the money and credit lost due to their delay and false communications.*****************************************************************************************************I initiated a balance transfer from HSBC to XXXX on XX/XX/XXXX. The attached email confirms this transfer, and states that it should have been completed in 7-10 days.After almost a month without the transfer being sent from HSBC—even though they charged the balance to my account immediately—I called to ask what the delay was. I then was told on XX/XX/XXXX that I would receive a status update for my inquiry on XX/XX/XXXX.After not receiving an update, I called back on the XX/XX/XXXX, and was transferred four times to reach my original customer service representative, with ID# XXXX. He told me that HSBC sent the transfer to XXXX on XX/XX/XXXX, exactly 28 days after my request. He stated that it is HSBC's policy to send balance transfers within 28 days.Nowhere in the terms of service is there a 28-day window for balance transfers. The only guidance is in the attached email, giving a 7-10 day window. I then asked to speak with the balance transfer team. He said that he does not know the phone number, he does not know anyone who knows the phone number, and he does not know any way to send me to someone who knows the phone number. I then asked him to have his supervisor call me, to which he responded that it would only take one minute on hold. I waited for nearly half an hour before hanging up and writing this complaint.For the reasons in my first paragraph, this delay is directly contrary to HSBC's communication with me and has severely inconvenienced me financially and through my credit. Once XXXX receives the payment, I want the transfer to be credited to my HSBC account in full.
Company Response: Closed with explanation

Timely Response

2018-05-18

Manhattan Bch, CA

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Company Response: Closed with explanation

Timely Response

2018-05-18

Williamson, NY

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-05-17

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-05-17

Clayton, MO

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2018-05-16

Rockledge, FL

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-05-16

Auburn, NJ

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: XXXX XXXX XXXX , XXXX. ( SPS ) and XXXX XXXX XXXX ( Beneficial ), is in violation of conspiracy to commit fraud, deceit, falsification of documents and misrepresentation. Complaint # 1 : On XX/XX/XXXX and XX/XX/XXXX, I received a response concerning a CFPB complaint from both XXXX and Beneficial ( see attached ). Within those responses were copies of a document, entitled Loan Modification, dated XX/XX/XXXX. The ONLY signature on the document was my deceased fathers, which he dated XX/XX/XXXX. My deceased mothers signature block contained the word Deceased. In addition, the document included a stamp on the first page that stated, Received XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. On XX/XX/XXXX, I received correspondence from SPS which contained what appeared to be the same Loan Modification document which I received copies of from XXXX and Beneficial on XX/XX/XXXX and XX/XX/XXXXrespectively. However, upon further review, I could see how it had been fraudulently altered and/or falsified/backdated. The similar Loan Modification document I received on XX/XX/XXXX now contained two additional stamps. One stated, Received Inter-Office Trailing XX/XX/XXXX Capture Center XXXX, FL and the other stated, Vice President and Asst. Secretary, Administrative Services Division of XXXX XXXX XXXX. In addition, this copy of the document now contained the unreadable signature on the Lender signature block, which was dated XX/XX/XXXX ( see attached copies ). I can only assume these documents were altered sometime after XX/XX/XXXX and XX/XX/XXXX ; more than two years after my father signed the document on XX/XX/XXXX. Therefore, I deem this fabricated document as null and void. Complaint # 2 : On XX/XX/XXXX in correspondence I received from SPS, they give and address for XXXX XXXX XXXX XXXX ( Alleged Owner of Note ) as XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. This contradicts the address XXXX provided me in correspondence dated XX/XX/XXXX. In that correspondence they stated the address was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Attention : XXXX XXXX XXXX XXXX. Complaint # 3 : In numerous correspondences from XXXX they state, Your assigned Relationship Manager is XXXX XXXX. I have yet to hear from this person via telephone or in writing and preliminary investigation indicates that she is not who XXXX states she is. Complaint # 4 : On XX/XX/XXXX, I received correspondence from XXXX stating they are, based on a business decision, unable to provide assistance. Not sure what prompted them to think I want or need their assistance. In fact, in my Complaint XXXX, dated XX/XX/XXXX. I advised them I have repeatedly attempted to request information regarding this account, which has only been met with non-compliance, insufficiency, vagueness, and misrepresentation and unconscionable deceit. Therefore, I have little interest in any work-outs regarding this account until such time it can be proven to me that the alleged obligations you claim are legal and enforceable. Therefore, at this time, I rescind all verbal and written offers to cure this alleged obligation. I fully dispute the validity of the alleged debt, ( current and future ), regarding account number XXXX, as claimed by XXXX XXXX XXXX , XXXX and any associates. I have never sought approval of any modification and had never sent them an application for approval of a modification. I can only assume XXXX is attempting to receive Federally Funded Credit for the false attempt. I have identified many more discrepancies during the course of my investigation that will be revealed at a later date. XXXX and Beneficials unethical and seemingly fraudulent behavior continues unchallenged by the appropriate authorities.
Company Response: Closed with explanation

Timely Response

2018-05-16

San Angelo, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to HSBC. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from HSBC, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.
Company Response: Closed with explanation

Timely Response

2018-05-15

SC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-05-15

OK

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XX/XX/XXXX - Messages were left for me on my voicemail regarding a legal action including the filing of a lawsuit and a complaint with the court for possible pending actions filed against me. They included a phone number and a file number. They also called my fathers law office, stating that I had requested legal documents that had been undeliverable, with the same name, phone, and case number. I contacted them and was told that a credit card I had opened in XX/XX/XXXX was in question, for an amount over {$2000.00}, and that the legal department had sent a packet with a settlement amount and details about what would happen should I NOT pay that settlement amount ( they would take me to court ). The address they had I have not lived at in 14 years, so I was put on hold to " discuss with the attorneys '' if I could have an extension since I hadn't received any paperwork. " The attorneys '' said yes, but I had to pay {$800.00} today if I didn't want them to take me to court. I don't remember ever having this credit card, and felt really upset about having to settle TODAY. I asked for paperwork containing my signatures, account info, etc., and was told that the collection agency did NOT have that information, it would be my attorney 's job to request in the discovery phase of the court case, which would come down on me hard and fast if I didn't pay today. They would, however, send me an email with the creditors and the collection agency 's information. The refusal to share any kind of paperwork or get me in touch with the financial institution itself were cause for concern. I told XXXX that I would need some time today to think about it, and was shockingly told I had 30 minutes or the offer was invalid. I told her I'd call back upon receiving the email, which had basically ZERO information about the creditor or the collection agency. It did provide an address but I was unable to validate that or the company name. I decided to take matters into my own hands and I called the creditor ( a banking financial institution ) and was told that the account number I had been provided was not one of theirs, nor could they find my name or social security number in any of their files. Moreover, they wouldn't have waited 14 years to attempt to resolve. Guys, I almost fell for it. Of COURSE I'd rather pay {$800.00} than go to court, have that on my record, and pay over {$2000.00} plus attorney fees! The tone the agent got with me when I started asking questions was shocking - very rude and defensive. She kept telling me " It is not my job to provide you with anything. It is my job to collect on behalf of my client, if you want to go to court, I don't care. You now have 23 minutes to make your decision. '' etc etc. Further, they had my name listed incorrectly, told my father on the phone that they were from XXXX XXXX XXXX trying to deliver a package and requesting my address, but never mentioned anything about that to me. The agency information on the email they sent me : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. Phone : XXXX The phone calls I received were from UKNOWN and the call back number was : XXXX. Messages were from a XXXX but XXXX XXXX is who I spoke to. The creditor I was accused of having was : HSBC. I have screenshots of everything as well as the letter I was sent, the voicemail, etc., that I am happy to provide.
Company Response: Closed with explanation

Timely Response

2018-05-15

Cooper, NY

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Company Response: Closed with non-monetary relief

Timely Response