HSBC NORTH AMERICA HOLDINGS INC

2017-08-02

Effingham, KS

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: My mother died in XXXX of XXXX. She had been living in XXXX XXXX. We proceeded to close all her banking account and transferred the funds out here to XXXX. Among those accounts were several accounts in a branch of HSBC in XXXX XXXX XXXX. In XXXX of this year, my wife and i discovered a check dated XX/XX/XXXXissued in the name of my mother and myself from HSBC that had never been cashed. The check was for {$41000.00} and the check number was # XXXX. I contacted HSBC about what was the status of the funds represented by the check I was informed that HSBC did not not keep records beyond seven years. and all records were transferred to XXXX XXXX XXXX after seven years had lapsed. XXXX XXXX found only that the check had been stopped and referred me to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in turn referred me to your office. It seems to me that the bank would keep records for a longer time than seven years. I work with court records all the time and records immediately available on the computer systems go back beyond the year XXXX.
Company Response: Closed with explanation

Timely Response

2017-08-01

Boulevard, NY

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

2017-08-01

Oaklevel, VA

Took or threatened to take negative or legal action

Debt collection: Other debt

Collected or attempted to collect exempt funds
Complaint: XXXX XXXX XXXX XXXX of XXXX, Virginia attempted to confiscate my Federal Student loans which were twice the amount that was owed originally. The account doubled in two to three months. This was in XX/XX/XXXX. They won a judgement against me in XX/XX/XXXX by misinforming me why my account originally went to collections. This led to them drawing from my checking account for roughly the amount I told them I would be receiving in financial aid and right when I told them I would begin to receive it. XXXX also set up a date for a settlement that I did not agree to, then sent me a letter saying I missed the payment followed by filling for a judgement. I have n't had any communication from them in three years.When I went to refinance my house in XX/XX/XXXX, they showed up and say that I owe them XXXX XXXX dollars in interest on a loan that was roughly XXXX dollars. Through garnishments, they have collected nearly 11 thousand dollars. The garnishments stopped in XX/XX/XXXX. The damage caused by this company has endured for close to a decade creating health issues and financial hardships. Not to mention physical damage to my house while they were garnishing my wages in the middle of winter and the heat went out. XXXX refuses to negotiate a reasonable settlement and keeps demanding paperwork that no longer exists for my home refinance that is no longer going to happen. It took 3 years for them to provide paperwork related to the account as to why it went to collections. Upon review of the details, it showed that I was charged for a month when I did not have a payment due because of a promotion through the creditor. I pointed this out to XXXX XXXX XXXX and they refused to do anything about it with the exception of one representative that looked into the notes and acknowledged that I was under the promotion when I was charged a payment. They continue to do nothing about it. All I seem to get from them is " Shut up, pay us. ''
Company Response: Closed with explanation

Timely Response

2017-08-01

Virginia Bch, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-01

Oaklevel, VA

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Complaint: HSBC Beneficial offered to enroll me in their " Skip a Payment '' program for the month of XXXX 2008. I accepted and asked multiple times in person in the XXXX, Virginia office if I needed to make a payment. They told me no. I asked them again if my account was still okay when I went into the same office and inquired about refinancing my home loan through them. They said it was still in good standing. I declined their offer for refinancing my house when they said it was going to have a XXXX percent interest rate. I also asked them if it would alright for me to make both my XX/XX/XXXX payment, which was n't due at the time, and XX/XX/XXXX payment two weeks later. Again, they told me that it would be fine and that my account was still in good standing. Two weeks later, I get a letter from HSBC Beneficial and XXXX XXXX XXXX instructing me to not go into the office and that my account had been turned over to collections. I originally thought this was in retaliation for declining their home refinance offer. It was n't until 3 years later of dealing with XXXX XXXX XXXX that I found out HSBC had charged me for the month of XXXX 2008 and treated it as a non payment. This also coincided with the company I worked for, XXXX XXXX, entering the final month of liquidation thus negating the " account protection '' for which I had been paying for years. XXXX XXXX 's closing was made very public and it seems convenient for HSBC to put my account in collections the same month. Apparently, the account had changed from the XXXX, Virginia office to the XXXX, Virginia office in XXXX of 2008. Again I did n't find this out until many months after discussing options with their collections agents XXXX XXXX XXXX. They told me in person that my account was in good standing and still sent it to collections
Company Response: Closed with explanation

Timely Response

2017-07-31

King, NC

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2017-07-31

Philadelphia, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Recently received a response from lender regarding an application for a workout option to keep my home. I was only given an option to sell. I did not get a response for any other workout options nor did they give me the reason why I was denied for the other options. This notice was mailed out to me after a month from the date of the letter. I did not have any rights to appeal either. My current rate is over 8 %.
Company Response: Closed with explanation

Timely Response

2017-07-29

Steubenville, OH

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2017-07-28

Katonah, NY

Opening an account

Checking or savings account: CD (Certificate of Deposit)

Unable to open an account
Complaint: I and my husband each opened a 6-9 month CD on XXXX XXXX, 2017at an HSBC branch bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX as part of a promotion. We also opened a checking account and applied for charge cards. Everything went as it was expected to. We presented the teller with our check and received the appropriate paper work for each of the XXXX CD 's, the checking account was opened and the information for the charge cards processed. The checks were cashed. A couple of days later, we were told the bank was closing our accounts and would be mailing back checks in the amounts we deposited. The bank teller ( XXXX XXXX ) read an email which made no sense and would not elaborate on it. Her manager ( XXXX XXXX ) gave no further information but said that the bank had a right to close an account and they did not have to give a reason. My husband called the customer service number, spoke with someone named XXXX who refused to give him any information including any identifying information such as a tag number to further identify her. As we both were DEPOSITING money, have good credit to the best of our knowledge and have never had a problem depositing money or opening accounts, I believe I should be given an explanation. If it is fraud or some other reason, I would like to know it so it will not occur again.
Company Response: Closed with explanation

Timely Response

2017-07-28

Itasca, IL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-07-27

PA

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened to sue you for very old debt
Complaint: My mother was contacted by XXXX XXXX XXXX XXXX on XXXX XXXX, 2017 at XXXX XXXX by a message left on her answering machine. She called me right away and told me that they were trying to get a hold of me for a debt I owed and that if I did n't contact them right away to work a financial arrangement out then I would be summoned to court and possibly sued for this debt. I then called XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' around XXXX XXXX the same evening and she informed me that I still owed a debt from over 10 years ago on an old vehicle I had purchased. She originally told me that I owed a little over {$6000.00}, but that the company would settle for a little over {$2000.00}. She also said that she could talk to one of the attorneys from XXXX XXXX XXXX XXXX and see if they could work out a better deal. I was told that if I did n't pay this debt then for the next 6 months my wages could be garnished for almost {$400.00} a month. I informed her that there was no way this loan was still outstanding because it was over 10 years old and I had totaled my vehicle in which my insurance paid the remaining balance. I asked for an official document to be sent to me via email and when I did this she put me on hold for almost 15 minutes. When she came back on the line she informed me that she sent it over to my email and to check to see if I received it. I did receive an email but it did not appear to be legitimate as there were some errors in the document, one including the misspelling of my last name and it was literally a XXXX XXXX document. The document also stated that the balance owed was almost {$10000.00} now instead of the original number I was given before. I expressed this to her and she stated that it must have been typed up wrong. I am concerned that they are doing this type of thing to a lot of other people who are very gullible and do n't check facts and are just afraid to get sued so can we please get this taken care of. Thank you!
Company Response: Closed with explanation

Timely Response

2017-07-27

Brookhaven, NY

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2017-07-27

Key Biscayne, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: In XX/XX/XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an HSBC account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XX/XX/XXXX. The last one being XX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe XXXX XXXX XXXX has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. XXXX XXXX XXXX has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.
Company Response: Closed with explanation

Timely Response

2017-07-27

Struggling to pay mortgage

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

Company Response: Closed with explanation

Timely Response

2017-07-26

Saint Louis, MO

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2017-07-26

Atl, GA

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

Timely Response

2017-07-26

Grand View, ID

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted your employer
Complaint: Contacted my employer and asked for the payroll department. Told payroll my name and that I was being sued and needed personal information. Gave them the number to a supposed attorney. They were vague, rude and kept bringing up the point that i was being sued. I have no knowledge of this lawsuit and have received nothing by mail. The call was forwarded to me and the caller was speaking very fast stating I am attempting to serve you papers and you have 2 hours to call the attorneys office of XXXX XXXX XXXX so you do n't miss your court date. He gave me the number then hung up. Very confused I called the number provided and the recipient identified himself as an attorney stating I was being served papers and being sued for moneys owed to HSBC. I received nothing by mail and was confused to the debt so I inquired to send me literature on this for vetting. He kept bringing up that the debt is valid but we could settle for an immediate payment. Hesitant I said not now as I 'm suspicious and he gave me another number tho the " owner '' of the debt. I spoke with her and again she was rude, in a hurry and said her company does this all the time and does n't want to waste her time talking this out and will gladly just garnish my wages, intercept my tax return or levy my property unless i agree to payment terms immediately.
Company Response: Closed with explanation

Timely Response

2017-07-26

NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-25

Etna, OH

Took or threatened to take negative or legal action

Debt collection: I do not know

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

Timely Response

2017-07-24

Rockingham, NC

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

2017-07-24

Hickory Hill, TN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-20

Brooklyn, NY

Closing an account

Checking or savings account: Savings account

Company closed your account
Company Response: Closed with non-monetary relief

Timely Response

2017-07-20

Brooklyn, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My Modification Agreement was completed XX/XX/XXXX, over one year ago, but the lis pendens against my house was never removed. When I called HSBC Bank about lifting the lis pendens they told me that they have no information in their computers because they sold it to XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX representative XXXX, a very pleasant and respectful individual. XXXX confirmed that the modification agreement was complete in XXXX of XXXX, and that all payments have been received in accordance with the modification to date. I informed XXXX that according to the New York Department of Financial Services ( DFS ), the lis pendens must be lifted within 90 days of finalizing a modification settlement, which is now more than a year overdue, and that I want the lis pendens lifted immediately. XXXX said that he, and his Supervisor would take care of it. I followed up with a letter to XXXX ( copy attached ), dated XX/XX/XXXX, and they sent me a response dated XX/XX/XXXX that even though the foreclosure part of my Court case is over, HSBC will not remove the lis pendens against my home unless I drop my countersuit. I have attached the two letters, and DFS press release information. I do not think the DFS intended for lis pendens to be used as blackmail against homeowners by putting a public lien on their home for all the world to see. I need the lis pendens release according to DFS consumer rights press release.
Company Response: Closed with explanation

Timely Response

2017-07-19

West Branch, NY

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2017-07-19

Scottsdale, AZ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: we tryed several times to refinance or loan modification and was turned down they stated that they just werent interested in doing that we pleaded to them because we could no longer make the high payments because my spouse was no longer able to work, and our saving were gone so we couldnt make the payments. my wife got into a car accident and couldnt work for 3 months and we fell behind in our payment we got some what back on track and tried to make up the payments and couldnt get statement from them to get money from 401k hardship fund by the time they complied we didnt have enough to cure all the cost, we sent them XXXX dollars the amount thet quoted us in writing to make up the payment, then said we owe more, and they were going to foreclose in XXXX XXXX 2017 we just want a payment we can afford to live in our home im applying for SSi im XXXX years old and hopefully they will grant it, we have no ideal whats going to happen now so any help would be a XXXX send.
Company Response: Closed with explanation

Timely Response