HSBC NORTH AMERICA HOLDINGS INC

2018-03-27

Alexandria, VA

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Trouble getting information about the card
Company Response: Closed with explanation

Timely Response

2018-03-26

Wooster, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-26

Republic, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-25

Magnolia, TX

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Complaint: HSBC Bank sent UNSOLICITED " Prescreened-approved Master Card credit card that advertised 0 % APR forRef. : Master Card acct # XX/XX/XXXX On XX/XX/XXXXmy referenced account was charged with {$18.00}. I called their Customer Service and to my surprise and dismay I was informed that it is interest on my balance of my card. I opened this account only because they UNSOLICITED, mailed me an offer with 0 % APR. Nowhere in that offer it was mentioned the interest rate for purchases but ONLY that 0 % APR on Balance Transfers only misleading me to believe that 0 % applies on purchases as well. This is a masterful technique to mislead the consumer to believe so by omitting the proper information and it is misleading, immoral and borderline fraudulent. After receiving my Credit Card, I again called Customer Service to verify that 0 % APR as well as its expiration date, in order to proactively protect my self from any deceitful, well by now aware of such practices through my past experience with financial institutions, and I was again notified of the 0 % APR, again with no disclosure or distinction to purchases. As a result, on XX/XX/XXXX I electronically paid the amount of {$2800.00} effective due day. This amount paid off and in full my credit card account/balance re reference with the exception of the {$18.00} of the improper, deceitful, and fraudulent Interest Charge. This practice is not only immoral but illegal and I reserve the right to report this practice to the proper authorities and/or regulatory agency/ies. I sent to the Bank a registered letter disputing the charges due to deception. They have now sent me a bill with balance of {$37.00} including outrageous penalties and denying that they ever received my letter mailed to them registered Tracking # XXXX on XX/XX/XXXX. This Bank is practicing deceptive, illegal and immoral promotional practices to lure consumers in and charge outrageous fees.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-25

Newark, NJ

Problem when making payments

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

Problem during payment process
Complaint: HSBC credit card trying to pay over 1 month and they dont accept my payments the charge me twice late payments and more charges and interest without me using the credit card
Company Response: Closed with explanation

Timely Response

2018-03-24

CA

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Complaint: I opened a promotional account as a brand new customer at XXXX XXXX on XX/XX/2017. I deposited XXXX and was supposedly to get XXXX in 3 months now its been 4 months. I called up HSBC and the guy said they will review my case for another 3 months and then deposit the money if Im eligible but on their promotion they said 3 months not 6!
Company Response: Closed with explanation

Timely Response

2018-03-24

Bedford, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I have not received proper documentation with my signature on a contract that validates this credit collection that is showing on my account. The account is also showing as an open account and I have requested valid documentation with my signature on it that the account was opened by me. I am requesting this information be immediately deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2015 {$490.00} {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2018-03-23

Atlanta, GA

Getting a credit card

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

Sent card you never applied for
Complaint: XX/XX/18- Recieved in the mail HSBC Mastercard credit cards for my wife and myself that we never applied for nor want. I spent 25 minutes on the phone getting these cards canceled and want to be sure that they are never activated.
Company Response: Closed with explanation

Timely Response

2018-03-22

Stanford, CA

Incorrect information on your report

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

Account information incorrect
Complaint: I applied for a XXXX with HSBC in XX/XX/. After I submitted the application I never heard back from them. I forgot about the application until one day I checked on my credit score and according to XXXX, there was a hard pull from HSBC onXX/XX/XXXX. I called XXXX and was told that I had to call HSBC to remove the inquiry. I called HSBC at least 3 times last year trying to resolve this problem. However, I got transferred to different departments every time and not a single person could find any record of me or the application. I am still confused what had happen on their end and would like the hard inquiry to be removed - or at least they should have told me if I got approved or not.
Company Response: Closed with explanation

Timely Response

2018-03-22

Auburn, NJ

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: Violations of numerous Federal and State Laws and Agreements to include : The Dodd-Frank Act, Title 12 Chapter X 1003HOME MORTGAGE DISCLOSURE ( REGULATION C ), Title 12 Chapter X PART 1014MORTGAGE ACTS AND PRACTICESADVERTISING ( REGULATION N ), Title 12 Chapter X PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ), Title 12 Chapter X PART1026TRUTH IN LENDING ( REGULATION Z ), New York General Business Law 349, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act, as well as breach of representations and warranties. A propertys legal description identifies it and distinguishes it from any other property. An error in the legal description of record becomes an obvious title issue and has a significant effect on any applicable documented agreements. In this case, three recorded defective mortgages. As outlined in attached, the clear and convincing evidence provided illustrates that both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX lack of quality control procedures, due diligence, breach of representation and warranties, attention to detail, unethical business practices and non-compliance with relevant underwriting guidelines and applicable laws has rendered all three notes and mortgage agreements ( XXXX, XXXX, XXXX ) completely invalid and unenforceable. Both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX conduct is indicative of fraud on borrowers, fraud on investors and a fraud on the courts ; especially when wrongful notifications and summons for foreclosure are brought forth by both parties without having clear and convincing evidence of a bona fide security interest in a property. In several ways, both companies negligently originated, recorded, serviced, securitized and/or sold these significantly defective loans to the secondary market, which are predominantly and legally null and void. Their unconscionable and seemingly unethical actions have caused great stress and anguish upon my remaining family as we continue to grieve our parents loss and are forced to defend the loss of our childhood home. Knowing the debt was invalid and unenforceable ; XXXX continues to threaten our childhood home of nearly 50 years with foreclosure, without cause. New York General Business Law 349 strictly prohibits such evident and deceptive trade practices or acts that are being committed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Our proud, hard working, yet financially unsophisticated parents, fell victim to predatory lending and deceit. See attached evidence.
Company Response: Closed with explanation

Timely Response

2018-03-22

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: XXXX XXXX XXXX purchased as a debt buyer an HSBC account XXXX which was already in default but agreed by HSBC not to be my debt due to Identity Theft. Unfortunately in XX/XX/2013 XXXX XXXX took the position that they acquired this account and started a brand new collection action. I have notified XXXX XXXX within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.
Company Response: Closed with explanation

Timely Response

2018-03-22

San Carlos, CA

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Complaint: CONSUMER FINANCE PROTECTION BUREAU XX/XX/XXXX, Time:XXXX XXXX ET, I have Wired Transfer-International from my HSBC saving account to outgoing to bank account on oversea. Wire Transfer, Attached. I have tried many ways and times to communicate with HSBC, I could not get information and from HSBC customer service Chat room,XXXX on XX/XX/XXXX at XXXX ET NY Time. My Wire Transfer Fund did not reach to destinations after 4 days past. I have many bad experienced with HSBC that is holding, blocking and transfering on Saving, Checking accounts. I can not withdraw money from my DebitCard, use Creditcard account funds that is not transferring to anywhere.HSBC making very difficult on Internet Banking with database for XXXX XXXX reasons.My CreditCard is deactivated mistakenly by HSBC.I have filed a complaints with many problems on written letter of XX/XX/XXXX. Attached. XX/XX/XXXX Case number : XXXX I have filed a complaint to Consumer Finance Protection Bureau. Because, I could not withdraw money with my DebitCard from account .HSBC did not International Banking business connections at XXXX.XXXX. I am having many Banking problems with HSBC in present and past. I am frasturated customer and unfairly treated by HSBC. I believed that HSBC violating Consumer Financial laws. Sincerely, XXXX XXXX ATTACHMENTS : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Additional wire transfer details Confirmation Code : XXXX Date of Transfer : Debit Account : XX/XX/XXXX XXXX FOR TRANSFER AMOUNT AND FEE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX United States Description for your records : Purpose of payment debit entity : insurance, med, etc Purpose of payment credit entity : Personal Expenses Additional Recipient Info : Recipient Instructions : Additional Pick-up Location Information : Account No : XXXX Timestamp : XX/XX/XXXX XXXX XXXX ET RESTRICTED XXXX Rev : XX/XX/XXXX Routing ID : XXXX Routing No : XXXX Group Bank : XXXX. Transfer Amount : Other Fees ( Est. ) : Total to Recipient ( Est. ) : Recipient may receive less due to fees charged by bank and foreign taxes. {$60000.00} - {$10.00} {$59000.00} {$60000.00} + {$35.00} Not Applicable {$60000.00} the recipients -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To : XXXX XX/XX/XXXX at XXXX XXXX HSBCHEAD OF CUSTOMER RELATIONS URGENT XXXX XXXX XXXX, Vice President I had a dispute on my Creditcard account that is been resolved by Hsbc customer relation manager XXXX XXXX XXXX.In the mean timeI can not use my Creditcard, I found out my Creditcard account was closed. I do not understand it. why Creditcard account closed.I have not requested. Today I called Hsbc Customer service ( XXXX ) try to get a new Creditcard. They told me.We can not get you new Creditcard, because you are in XXXX. You have came to USA to get it. This is not exceptable.I can not use personal Hsbc financial account without Creditcard. I am desperate and need aNew Hsbc Creditcard. I am also having many problems with Debitcard on ATM at Hsbc XXXX-XXXX. I can not withdrawDollars and only allowmaximum XXXX TL ( XXXX $ ) at ATM. I opened a complaints on Hsbc bank mail. Customer service can not answer and resolve the problems. Hsbc account database have problems with bill payment, transfer, wire..so many problems. I very unhappy with HSBC Bank. Sincerely XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-03-22

CA

Closing your account

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

Company closed your account
Complaint: I received an offer from HSBC with a credit limit of {$2500.00}. I used the card and in the beginning of XX/XX/2017 fell behind a few payments. I was having a hard time making the payments but did make try to make payments but they were not on time. I missed a few payments. They kept calling me and taking money from me but closed my account without my knowledge. I didn't find out till months later. They said that they mailed me a letter. How come they mailed me a letter informing me that they closed my account but can call me a few time a week to collect payment. I never disputed my charges or that I owe the amount. I simply needed to get caught up. I told them to reopen my account and they said unfortunately we can't do that. So I told them then unfortunately I can't pay them. They said it is still my responsibility. I agree that I entered into an agreement with them but don't understand why they can't simply reopen my account. I am will to keep making payments as long as I can use my credit. I think it is extremely unfair for them to do this. I wanted to maintain my credit with them as I have been a very good borrower. I would gladly make payments if I can use my credit card, since this is what it is for. My name is XXXX XXXX Acct number ends in XXXX. I am now 3 months behind and it is with their collections and recovery department. I spoke to manager by the name of XXXX. My number XXXX
Company Response: Closed with explanation

Timely Response

2018-03-21

Old Bridge, NJ

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2018-03-21

Saratoga, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2018-03-21

Staten Island, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-03-20

Syringa, VA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: HSBC advertized the following : " Deposit a minimum qualifying balance of {$10000.00} or more in new money in cobined checking and savings acounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. You will automatically receive the {$350.00} Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities ; It's that simple. '' I opened the account XX/XX/XXXX, and made the XXXX deposit on XX/XX/XXXX. The balance stayed at XXXX or more for longer than 90 days ( specifically through XX/XX/XXXX- ie, 98 days ). It has been 8 weeks since then, and I still have not received the bonus. Additionally, when I spoke with XXXX ( a phone representative on Thursday ) she also said the bonus should have been in my account last week, and that should would look into it, and call me back on Friday. She did not call me back, and she still has not reached out to me or resolved the issue.
Company Response: Closed with monetary relief

Timely Response

2018-03-20

South Bend, IN

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: I was laid off work in XX/XX/XXXX. Indiana housing and urban development helped me with my mortgage payments until I returned to work in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX. would have me pay my mortgage payments into an account they called a shadow account. After I would make my payments I would have to call XXXX XXXX at there main office in XXXX XXXX, IN and she would transfer the money from the shadow account to pay my mortgage payment. In XX/XX/XXXX XXXX XXXX XXXX. filed a lawsuit against me for foreclosure and accelerated my mortgage. I was not behind on my payments at that time. When a mortgage is accelerated that makes all payments due at that time. Which means no more monthly payments due. I was not aware of this lawsuit until XX/XX/XXXX when I was advised by Indiana housing and Urban development to call the XXXX XXXX County Court House to schedule a settlement hearing. The court clerk informed me that XXXX XXXX XXXX. had already recieved a default judgement against me and scheduled a sheriff sale of my property. I was never notified by the court or served any papers because XXXX XXXX XXXX. used the wrong address for my home. I was not behind on my mortgage payments. They were not applying them properly out of the shadow account. XXXX XXXX XXXX. Filed an amended complaint for foreclosure after they had already accelerated my payments making it impossible to be late on a payment after XX/XX/XXXX. In there XX/XX/XXXX amended complaint it says, XXXX had not made a payment since XX/XX/XXXX. This statement is impossible since they had accelerated my mortgage. Going back to XX/XX/XXXX. XXXX XXXX XXXX. has reported on my credit report that it transferred my account to a different office. My credit report shows that it was transferred to a different account. My credit report also shows that they were still making payments on my original account for all of XX/XX/XXXX and my new account was showing that I had made no payments. Because of XXXX XXXX XXXX. making these improper payments my credit history is horrible and I have now lost my home due to foreclosure. They had breached our contract when they started a new account and have stolen my home and securities. My name is : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-03-20

Bronx, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with non-monetary relief

Timely Response

2018-03-20

Union City, CA

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2018-03-19

VT

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: XXXX XXXX XXXX, XXXX Hours of Operation ( EST ) : XXXX to XXXX Mon-Fri., XXXX to XXXX Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX, XXXX, Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Disputes E-Mail address : XXXX This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX, VT costing me a job. While serving in the Vermont XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX. Merchant : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX, XXXX Current Balance Due : {$900.00} by paying XXXX or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, VA XXXX Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018, this harassment has cost me several {$25000.00} to {$170000.00} XXXX XXXX, XXXX XXXX, XXXX XXXX, it caused the lost of a relationship and XXXX children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.
Company Response: Closed with explanation

Timely Response

2018-03-18

Las Vegas, NV

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: HSBC Claims that they haven't taken care of my issues and send me a letter that i'm no responsible for my frad case but as of yesterday i gotten an email stating that it's not over, i dont know what is the issues with this company i have to feel stress and lose more of my time so now i'm here again and want the world to see how horrible this company really is and i don't think people should bank with this company at all!!!
Company Response: Closed with explanation

Timely Response

2018-03-17

NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: This complaint to CFPB is about wrong doing in customers service of XXXX XXXX. My son XXXX XXXX and his wife XXXX XXXX are XXXX XXXX customers for many years. For same period of time I have XXXX in their account. Special complaint about bad customers service in XXXX XXXX was mailed to HSBC XXXX XXXX in XXXX in XX/XX/XXXX. As it became known the letter was remailed for response to XXXX XXXX. So far XXXX XXXX response is absent. The facts of XXXX XXXX wrong doing violating customers financial rights are following : 1. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is not clear who are main managers in this bank. 2. It was requested three months of phone, chat, emails communications to get new debit card in exchange of one which was announced by bank as invalid. Such outrageous procedure is a good illustration to bank fraudulent and humiliate policy. The person XXXX who is named as XXXX XXXX President and CEO didnt response on my letter about debit card problem. 3. Look at XXXX XXXX XXXX XXXX ) On this website there are only phone contacts when bank agents are factually irresponsible for the information given by them and try to record only what is said by customer. There are no any written forms of contact fax or email which can make bank agent be responsible for all information given to customer. Only way of contact is postal mail to XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX, NY XXXX. The headquarter address XXXX XXXX XXXX, NY, NY XXXX is not published. b ) Bank agent in chat has very limited rights to really help to customers. Copies of chats were applied to letter to XXXX. c ) Phone of headquarter XXXX is fraud. Real phone XXXX is XXXX. But by this phone it is impossible to reach anybody. You can check yourself. d ) Customer Feedback is fraud and really cant be provided. You can check yourself that there is no any opportunity to send feedback. 4. Only opportunity to contact with bank agent by email is to open account ( so any other person who is interesting to become bank customer has no any opportunity to contact the bank in written form without ugly mailing ). They name it Bankmail. But to get such opportunity it should look at account website on really invisible micro envelope picture and click on it. After clicking you will see View all messages. That is fraud. Customer can see texts of messages sent by HSBC agents. The messages you printed and sent to bank it is impossible to see. That is another fact of irresponsible XXXX XXXX service policy. Only for XX/XX/XXXX I received from bank agent 7 messages as responses on my 7 emailed requests and questions about renew of debit card. That is example of last bank response on XX/XX/XXXX : XXXX : Possible Account Error ( XXXX } Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX, XXXX. We are sorry to hear that you have received service that has been less than satisfactory. Your comments was previously forwarded to our Management Team for further review and future enhancements to the level of customer service we provide. With regard to your replacement Debit MasterCard, we notice that some information has to be verified. As such, you may contact our XXXX XXXX Department XXXX between Monday - Friday XXXX XXXX - XXXX XXXX XXXX. The option to view the BankMail which are sent by you is unavailable. You may only view the BankMail response which you have received. We apologize for the inconvenience and delay caused by this matter. Thank you, HSBC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. All Rights Reserved. There is no any reaction from Management Team which is factually not exist. XXXX As an example of service with respect to legal rights of bank customer as me is XXXX XXXX. Look at https : XXXX. Text of this website is applied to letter to XXXX. In conclusion to letter to XXXX it was stated : Conclusion : Considering XXXX XXXX actions with such customer as me and my son shown above as actions of gang of scams, I request : 1. To replace current main managers of XXXX XXXX on more responsible persons who know what kind of respectful service should be provided to XXXX XXXX customers with great amount of attention to service experience provided by XXXX XXXX about feedback, complaints, email addresses and fax XXXX for written contacts with real and potential customers. 2. Immediately to order to XXXX XXXX to deliver to me by my address in XXXX, NY, mentioned above, not by mail but by bank messenger, new debit card and manual of XXXX XXXX policy which should be exampled from XXXX XXXX manual. ( The card was finally delivered to my son after great efforts described above ). 3. Immediately to order to XXXX XXXX to provide in contact with customer through account website ( Bankmail ) the texts of messages sent to bank by customer.
Company Response: Closed with explanation

Timely Response

2018-03-17

AR

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: XXXX XXXX trying to collect a debt not owed by me but they have put a negative identity on my credit reports on XX/XX/2018 this debt was paid a long time ago
Company Response: Closed with explanation

Timely Response

2018-03-16

Arco, CA

Incorrect information on your report

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: Discharge of Third Deed of Trust with XXXX XXXX XXXX. In violation of California Code, Civil Code - CIV 2941 ( c ) and ( d ). ( c ) For the purposes of this section, the phrases cause to be recorded and cause it to be recorded include, but are not limited to, sending by certified mail with the United States Postal Service or by an independent courier service using its tracking service that provides documentation of receipt and delivery, including the signature of the recipient, the full reconveyance or certificate of discharge in a recordable form, together with payment for all required fees, in an envelope addressed to the county recorder 's office of the county in which the deed of trust or mortgage is recorded. Within two business days from the day of receipt, if received in recordable form together with all required fees, the county recorder shall stamp and record the full reconveyance or certificate of discharge. Compliance with this subdivision shall entitle the trustee to the benefit of the presumption found in Section 641 of the Evidence Code. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX XXXX dollars ( {$500.00} ).
Company Response: Closed with explanation

Timely Response