HSBC NORTH AMERICA HOLDINGS INC

2017-08-16

Carmel, NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-15

Albion, PA

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with non-monetary relief

Timely Response

2017-08-15

Bronxville, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with non-monetary relief

Timely Response

2017-08-14

MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: My identity were stolen. I have n't been in United States since XX/XX/XXXX. I came back just XX/XX/XXXX and found out that someone used my intel for more than 7 years, opened credit cards. Now I am trying to dispute all inaccurate accounts and debts because I did n't. I filed reports to FTC and police. Also, I tried to contact XXXX XXXX XXXX XXXX, the collection, which bought one of the debts. I wanted to explain my problem and expected understanding and cooperation as I have rights to dispute not my accounts and debts. I called to this company XX/XX/XXXX. Firstly, one of the employees asked my data to find a case then transferred me to the administrator as she said. This administrator just said I had a court. When I tried to explain to her that my identity was stolen and I have never been in California in my life, she just made fun of me and my not perfect English language, then said " buy XX/XX/XXXX! '' and hang up on me. I tried to call again more times, but this company blocked my number. I sent them a letter with request to close this fraudulent account, but there is no response. They violated my rights, in accordance with the Fair Debt Collection Practices Act, to stop collection proceedings against.
Company Response: Closed with explanation

Timely Response

2017-08-14

Rochester, NY

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2017-08-14

Tacoma, WA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: im getting collection calls for a XXXX XXXX from XXXX XXXX XXXX, when I advised them I have no contact with him and to remove my cell number she said no and hung up, I called them 3 times and she picked up and hung up. I then received 16 more calls from that number leaving automatic messages. XXXX picked up the phone, and said she will not remove my number. and called back 4 additional times the auto messages states to call XXXX XXXX XXXX ref # XXXX 3rd attempt, all messages are saying 3 rd attempt
Company Response: Closed with explanation

Timely Response

2017-08-13

Katonah, NY

Closing on a mortgage

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

Company Response: Closed with explanation

Timely Response

2017-08-11

Temperanceville, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My husband and I were behind on our bills as well as our mortgage. From the XXXX of our mothers, father and my husband a XXXX XXXX a year after filing bankruptcy back in XXXX. Our mortgage keep going up because had an adjustable rate never giving us a chance to catch up. So we applied for a modification early part of XXXX. There was info they needed from us to start the modification process. So each time I would fax something they would say they did not receive it. So I started faxing by way of XXXX to insure that I would get a confirmation stating that documents were received. According HSBC mortgage services they finally started reviewing the application. Meanwhile I 'm inquiring about our mortgage payment because we had not been making them, the representative says to me no you do n't make a payment while you are waiting for the modification department to approve or deny your application. Well we went to bankruptcy court XX/XX/XXXX to discuss the mortgage as well as potential increase in our bankruptcy payments, this occurred 3 other times with a HSBC representative being present. On XX/XX/XXXX, the representative from HSBC approved the modification as well as the judge. We received a letter XX/XX/XXXX stating what our new payment would be and date it would began XX/XX/XXXX and also modification actually started on XX/XX/XXXX. We did not wait, we made a payment in XXXX and XXXX. A couple of weeks after making the XXXX payment we received a letter stating there was a breach so they needed XXXX by XX/XX/XXXX or they will be foreclosing on the property. My husband called them and asked why did n't the XXXX go to rear of the loan and we do n't have XXXX. So the response was if you come with XXXX you can keep your home. Our question is, if we were approved in court where were the figures then and why did they send these letters after approval of modification and making our scheduled payments.
Company Response: Closed with explanation

Timely Response

2017-08-10

Brooklyn, NY

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I am an HSBC Advance Credit Card holder. Recently, my husband has experienced loss of work, so we have been late on our bills. I work for the XXXX so my husband of XXXX yrs and I are doing our best to make ends meet. I have been the owner of a single family home in XXXX, NY for 20 yrs and have never missed a house payment and never paid a late fee until recently ( only once in 20 yrs ). Unfortunately, during this stressful time, my other bills get paid a few weeks late or I set up future payments to different companies. I understand when an account is suspended, and typically return them to good standing as soon as I am able or by the next billing cycle. I am not in default on any loan or credit card. I have never filed a complaint with any agency in regards to any credit card issues before today. In the last several months, I have received on the average of 17-19 calls per week from HSBC. In the last 6 wks, I have paid them on 3 separate occasions which equals appx. {$500.00}. On XX/XX/XXXX, I paid them XXXX. The following day, I received 4 calls from HSBC. This is harassment. They call before XXXX and as late as XXXX and even before XXXX on Sunday mornings. I asked a representative to 'cease and decist ' from the constant onslaught of calls to my home. The calls continue. At present my phone has recorded 15 attempted calls from HSBC between XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2017-08-09

Dinsmore, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-09

N Milford, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-09

San Francisco, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2017-08-08

CA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: previously and on X/X/2017 XXXX XXXX XXXX XXXX called my work place XXXX XXXX XXXX making threats to my boss and giving personal info. this action almost got me fired. the claims are unfounded, there trying to collect on a debt over 9 years old and statue of m limitataions has already ran its course.
Company Response: Closed with explanation

Timely Response

2017-08-08

Dresden, TN

Closing an account

Checking or savings account: Other banking product or service

Can't close your account
Company Response: Closed with explanation

Timely Response

2017-08-08

Penn Hills, PA

Struggling to pay your loan

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2017-08-07

Rochester, NY

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Company Response: Closed with explanation

Timely Response

2017-08-06

N Monmouth, ME

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I have a creditor saying they have a civil judgment on me and it was settled already. It 's also not my my credit report. I 'm in the middle of purchasing a home and it popped up after my report says it was removed
Company Response: Closed with explanation

Timely Response

2017-08-04

San Jacinto, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: This debt is from XX/XX/XXXX. I paid this long time ago but the creditor and the collection agency said they have no record of it. Regardless of that fact, I was told in XX/XX/XXXX, when I was buying a house that there was a debt. I told them I had no recollection of it and disputed it. 4 months later they sent a copy of the last bill from the creditor. This is not proof I owe it. Statutes of limitations is 4 years for a written contract and 2 years for a verbal. They are well beyond this for collections. Also, they have 30 days to prove I owe this debt after disputing it. They took 4 months to send me an irrelevant copy of a statement. I do not owe this debt. They also had a lien on my credit report that said I owed {$1400.00} but when I went to pay it, they bumped it up to {$1900.00}. I had no choice but to pay it or my house loan would not close. To this day they refuse to send me a satisfaction of judgment or anything that says I paid it.
Company Response: Closed with explanation

Timely Response

2017-08-04

Indian River Shores, FL

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2017-08-03

Millville, CA

Can't contact lender or servicer

Payday loan, title loan, or personal loan: Title loan

Company Response: Closed with explanation

Timely Response

2017-08-03

Dunnellon, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-03

Brooklyn, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: The politically, recklessly and knowingly '' closing HSBCs direct Deposit Acct ends in XXXX ( bankcard ends in XXXX ) and Acct ends in XXXX ( bankcard ends in XXXX )
Company Response: Closed with explanation

Timely Response

2017-08-03

Washington, DC

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2017-08-03

Las Vegas, NV

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2017-08-02

Federal Way, WA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: I received a call on XX/XX/XXXX from XXXX XXXX XXXX representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by HSBC via XXXX. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company XXXX. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.
Company Response: Closed with explanation

Timely Response