HSBC NORTH AMERICA HOLDINGS INC

2017-09-03

Torrance, CA

Incorrect information on your report

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

Account status incorrect
Complaint: In XXXX I had a dispute with HSBC BANK NEVADA NA about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually HSBC BANK NEVADA removed it from my credit report. However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, HSBC IN XXXX sold it to XXXX XXXX XXXX whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XXXX XXXX, XXXX. I have repeatedly advised XXXX XXXX XXXX that it is improper and illegal to state this to be a new derogatory default as of XXXX XXXX, XXXX and it causing me a serious problem of turning down for essential items to be purchased, XXXX XXXX refused to remove this illegally and in bad faith showing derogatory item from my credit.
Company Response: Closed with explanation

Timely Response

2017-09-01

Bellview, WV

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2017-08-31

Rochester, NY

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2017-08-30

San Jacinto, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: On XX/XX/XXXX, I received my first phone call from XXXX XXXX XXXX from XXXX XXXX, claiming to be an attorney threatening me that he was going to have me served at my work that day with a lawsuit against me. Told me that of I did n't pay, he would have me served in front of all of my co-workers. He also threatened me by saying that he sees we just bought a house, and rattled off some date and price of the home for what and when we bought it that was incorrect and told me they were going to put a lean on my home. He has called every day since, at my work number. Today, on XX/XX/XXXX, he spoke directly to one of my co-workers yelling at her and demanding to know my direct supervisors name, and she, not knowing who this person was, gave him my supervisors name, because again, he told her he was an attorney. He told her that he was with the district court of XXXX XXXX BUT on the paperwork I asked him to email me so I knew what this was in regards to, he is listed as just a litigation officer ( basically, an employee at this company ). I have NO idea what this debt collection is for as I have never had a MC with XXXX XXXX. I have included the paperwork he sent me via email.
Company Response: Closed with explanation

Timely Response

2017-08-29

MN

Other features, terms, or problems

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

Other problem
Complaint: To Whom It May Concern, I have a personal credit card with HSBC Bank. I have a credit balance on my card of {$150.00} ( meaning the bank owes me {$150.00} ). I requested that HSBC send me a check for my credit balance, but they have refused. I originally requested this check on XX/XX/XXXX. I was told the request was processed. After not receiving the check, I followed up via online chat on XX/XX/XXXX and was informed by the customer service representative that a check was mailed on XX/XX/XXXX. After again not receiving the check I followed up with the bank on XX/XX/XXXX via online chat and was told that it can take up to 7-14 business days for the check to arrive and that yes they had sent it to me. After still not receiving the check I sent a secure message to HSBC on XX/XX/XXXX to ask about the status of the check and to inform them that a further delay in getting this check was not acceptable. HSBC responded on XX/XX/XXXX indicating that they would not send me a check for my credit balance even though my most recent statement indicates they owe me {$150.00} in cash. I am requesting that the bank honor its debt to me and issue a check for the balance on my account. Thank you to all for assistance in resolving this matter. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-08-28

Sebring, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: HSBC on XX/XX/XXXX completed a loan modification for me on loan # XXXX. HSBC performed an Intentional fraudulent modification without my knowledge and Unapproved documents were never presented to me. Concealment of the loan documents were never provided when requested. HSBC failed to disclose terms and conditions of the modification and failed to disclose the modification period. HSBC never informed me anything regarding the XXXX XXXX XXXX XXXX. Since the modification HSBC has since sold the mortgage to XXXX XXXX XXXX XXXX ( XXXX ) # XXXX ... XXXX XXXX XXXX contacted HSBC on my behalf shortly after XX/XX/XXXX and requested the modification loan documents. The loan modification documents were not able to be located per HSBC. Since that time I attempted another modification with XXXX however the 30 year term and interest rate were to extreme. I had already resided in the mobile home for 10 years and now XXXX was asking me to accept another 30 year mortgage at a 9 % interest rate in which was too substantial for me. I owe more than what the mobile home and 5 acre property are worth. I am currently contemplating a foreclosure and short sale of my property. Since the loan modification I have paid fees and high interest rates due to HSBC
Company Response: Closed with explanation

Timely Response

2017-08-27

Brisas De Canovanas, PR

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Credit card company won't work with you while you're going through financial hardship
Complaint: XXXX XXXX XXXX threated to suit me ( XXXX XXXX XXXX XXXX XXXX ) and threated me to take me to court while I was unemployed and on financial hardship on XXXX 2013, and I am in a financial hardship as of now, and asked me to pay {$1800.00}. they did not care and asked me to pay the debt if not they will take me to court.
Company Response: Closed with explanation

Timely Response

2017-08-26

Hemet, CA

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2017-08-25

Charlotte, NC

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: A collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.
Company Response: Closed with explanation

Timely Response

2017-08-24

Bon Air, SC

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted your employer
Company Response: Closed with explanation

Timely Response

2017-08-23

Other service problem

Money transfer, virtual currency, or money service: International money transfer

Complaint: Respected sir I am XXXX XXXX from XXXX and I have been fighting a litigation in the XXXX court. I am an USA citizen. I would request you to help me get the transaction made from USA to XXXX by me from the XXXX-XXXX I have tried with the banks and henceforth I am submitting to you the documents My email - XXXX
Company Response: Closed with non-monetary relief

Timely Response

2017-08-23

Carson, MS

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I took out a mortgage loan with XXXX XXXX XXXX XX/XX/XXXX, first payment due XX/XX/XXXX. The loan was {$98000.00} financed, principal {$100000.00}. when I asked for a pay off XX/XX/XXXX, it was {$80000.00} plus Deferred Balance {$29000.00}, which bring the pay off to {$100000.00}, this is more then the original loan in XX/XX/XXXX. I question XXXX about the Deferred Balance, I was told it was all the late payment and interest payment. This was never explain to me during the duration of the loan. I am on a fix income, I am trying to get this loan so I can pay it off within the next ten years. The interest rate is 11.351 %.
Company Response: Closed with explanation

Timely Response

2017-08-23

Atlanta, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Related complaints XXXX XXXX This unknown party continues to call and harass me by " robocalling '' me via my mobile phone. The calls appear to come from ( XXXX ) XXXX and the message left on my voicemail informs me that I must call ( XXXX ) XXXX. Each message left over the past three days is different, integrating a voice-recording with " robocall '' audio of some data ( e.g. my name ; reference file number ). Today 's call appears to threaten me that my employer, and specifically the human resources department, will be contacted regarding claims made by this unknown party. The unknown party also threatens, via a pre recorded audio file, that failure to respond will forefit my " right to take care of this matter outside of your county '' and " will result in an order for your appearance. '' The information about this unknown party is very limited and a cursory search online has not led to verifiable information regarding the identity of this unknown party. The full transcript of today 's message is as follows : -- -- -- This message is intended for XXXX XXXX. I need to verify a current address as well as a place of business address to move forward with the next procedure. At this time you are forfitting your right to take care of this matter outside of your county. We may be contacting your human resources department to follow proper protocol to deliver your paperwork on the property. Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX. For reference your case number XXXX. Non compliance will result in an order for your appearance. This is our third attempt.
Company Response: Closed with explanation

Timely Response

2017-08-22

FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: XXXX XXXX XXXX started contacting me last Friday, XX/XX/XXXX. He first contacted my work number and told my broker he was from " XXXX XXXX XXXX '' in California and was trying to deliver legal documents. I called back and he said he was from " XXXX XXXX XXXX '' representing HSBC and if I did not pay a balance of {$6100.00} owed on an old credit card they would submit a lawsuit against me within 24 hours to the court house. I advised I had tried settling with the company in 2011 and there was no resolution. He called me again yesterday, XX/XX/XXXX at XXXX XXXX from XXXX and left me a voicemail stating to call him back or else he would move forward from what we had discussed. He did not leave a call back number, but did state his name " XXXX XXXX " in the voicemail. During none of our conversations did he state the calls were recorded.
Company Response: Closed with explanation

Timely Response

2017-08-22

Amherst, NY

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2017-08-21

Hinsdale, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I obtained a loan from HSBC in XXXX. I asked XXXX because of concerns about fraud prevalent at the time ) and HSBC rep told me that the loan is a government back loan and pointed to " XXXX XXXX '' in the Note he had me sign. Years later when I tried to modify my loan using the XXXX program I was told that the loan was not government back. That was a major setback for me with significant financial damage. I then tried loan modification with HSBC. After a year of run around, constantly asking for updated documents, misplacing documents, making arithmetic mistakes, underwriter mistake, etc., I was offered a slightly modified loan. I have had some questions about the new loan but HSBC has steadfastly refused to answer my questions, and instead send irrelevant letters, form letters, and conflicting notices. I filed a complaint to CFPB hoping that HSBC would act more responsibly and address my questions. It has not. The Letter it sent CFPB is devoid of any relevant information ; it answered none of my questions, and instead issued an ultimatum. I am writing to ask CFPB once again to induce HSBC to provide answers to the legitimate questions I have, and open an investigation of this and similar cases noting that HSBC has had a history of activities and consumer abuse for which it has been heavily fined by the regulators.
Company Response: Closed with explanation

Timely Response

2017-08-21

East Elmhurst, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-21

Wauchula, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-08-17

Guttenberg, NJ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2017-08-17

Brooklyn, NY

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: HSBC claim deposit in my account was counterfeit this check was issued from XXXX XXXX XXXX XXXX for my cousin who was XXXX from XXXX. HSBC dont wan na replace the check because they cant properly tell me where the funds is at. I need documentation that states cgeck indeed was fraud which I know was not the check was XXXX I have also contact the insurrance company that comfirms check was not fraud so I need to know where the bank is getting this information any fraud checks the bank gets a XXXX security form to fill out I will like a copy
Company Response: Closed with explanation

Timely Response

2017-08-17

Albany, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2017-08-17

Bostonia, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: HFC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX HFC claims they completed an interior valuation on XX/XX/2017. We requested a copy of it per the ECOA Valuations Rule. HFC is refusing to provide a copy of their valuation. This is a violation of the ECOA Valuations Rule. See highlighted sections of the attached ECOA Valuations Rule. HFC claims they are above the law and the CFPB can not do anything to them.
Company Response: Closed with explanation

Timely Response

2017-08-17

Lewisville, TX

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Complaint: XXXX XXXX 2017 I 've paid them so far {$200.00} they said they are collecting for XXXX XXXX and they attach a XXXX. This person I 've been speaking to XXXX XXXX Account Manager XXXX XXXX XXXX XXXX & XXXX XXXX ext XXXX XXXX direct line XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX
Company Response: Closed with explanation

Timely Response

2017-08-16

NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: On XX/XX/2017, I received a collection call from a collection agency named XXXX and XXXX ( XXXX ) XXXX. The debt collector stated that he was attempting to collect a debt on an old credit card with HSBC that was about 7-8 years old. I do not recall having a credit card with this company but I if the debt was incurred, the residency of my state ( NJ ) has a statue of limitations on collecting credit card debt for only 6 years. This would make the collection attempt illegal and in violation of fair credit collection practices.
Company Response: Closed with explanation

Timely Response

2017-08-16

Washington, DC

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: Dear Sir/Madam ( ref previous id # XXXX ) I thank you for following up the problem with opening an account with HSBC bank and to let me know their respond. It is not yet clear which of the following items or anything else made the bank unable to open an account for me and my wife. Has there been any problem with my : a.USA legal permanent resident ID card b.XXXX XXXX XXXX ID driving licence c.USA social security ID card d. Our age e. Our income level f. Our retirement g. The forms which we filled with teller help and signed h. The oral conversation and answers we provided or any other information, would the bank please make it clear what made them unable to open account for us
Company Response: Closed with explanation

Timely Response