HSBC NORTH AMERICA HOLDINGS INC

2017-06-06

Stilesville, IN

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: When we bought the home on XX/XX/XXXX we also received checks around XXXX XXXX to pay off some other bills. Within two weeks our company went bankrupt and we had to file bankruptcy also. We still had the checks from Beneficial. Our lawyer and Beneficial said to send them back to Beneficial. That is when the problem started. I sent back all the checks to Beneficial but they never took them off of what we owed. I asked to get copies of the checks but to no avail. I told the gentleman I want to keep the house and I wanted it to be reaffirmed and he said ok. I have been trying to get XXXX since XX/XX/XXXX . My doctor has told me not to work. I am just asking to keep my home. Every since we bought the home it has been a nightmare. There was no home inspection done at the time that we bought the home and we had termites. That was a fortune to get rid of them and now the floors in the living room where the termites were is caving in and we are scared to walk on them. I still feel there is something wrong with the way the paperwork and closing was done. I have asked Beneficial to do an audit on our closing paperwork but to no avail.
Company Response: Closed with explanation

Timely Response

2017-06-06

Bohemia, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have supplied hundreds of documents all attached on several occasions to work out a payment plan, I have offered to pay the company {$2500.00} a month as a fair and reasonable monthly payment plan on my Mortgage, they will not modify, and will not refinance, they are just forcing a foreclosure, the house is underwater. My first mortgage interest rate is 6.5 %, my Second Mortgage interest rate is 8.5 %. If the rate was more of the country wide sta ndard of approx. 4.75 % it would be more manageable. Please help me.
Company Response: Closed with explanation

Timely Response

2017-06-06

IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I n XX/XX/XXXX the re was a HSBC credit card opened in my name, when I found out about the credit card I took immediate action. I contacted HSBC to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In XX/XX/XXXX and in XX/XX/XXXX I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In XX/XX/XXXX the debt was sold to XXXX XXXX XXXX and when I learned about this, I contacted HSBC to inquire about it. I spoke with XXXX and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus, HSBC always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.
Company Response: Closed with explanation

Timely Response

2017-06-05

Glendale, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-06-05

FL

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: Received an e-mail offering XXXX bonus points after spending {$500.00} wi thin three m onths. I spent more than {$500.00} and the bank awarded my just XXXX points. When I inquired, was told that offer expired the end of XXXX , 2017 . Yet everyday, I receive the same e-mail offer from the bank when I log onto my account.
Company Response: Closed with explanation

Timely Response

2017-06-05

Chicago, IL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-06-02

Ny City, NY

Managing an account

Checking or savings account: Savings account

Problem using a debit or ATM card
Complaint: I have a savings account with HSBC. I was credited for onl y 1 transaction for a fraud complaint that had more than one transaction. I stated to HSBC VERY CLEARLY that fraud occured on my account and I was transferred to the " ACH '' department because the rep insisted I do so because it was an ACH transaction. First, HSBC tries to tell me I didnt file within the 60 day time frame. FALSE. I filed this fraud complaint within the first week I saw the fraud. Secondly, I spoke to XXXX XXXX , manager of the ACH department who tells me I need to goto the fraud department. <P/> A little background on my conversation with XXXX . First point of contact on XXXX XXXX XXXX . She proceeded to tell me that HSBC was in the wrong and that I would have my credit adjusted that day and she would call me back. No call back. I call on XXXX XXXX XXXX ( today ) and XXXX gives an excuse why she did n't call me after she told me should would no matter what yesterday. Now she tells me i need fraud department? Really? She stated because I said it was fraud from the get go. Then she tells me no, this is the UNAUTHORIZED department. what? unauthorized department? yes
Company Response: Closed with explanation

Timely Response

2017-06-02

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-01

Sarasota, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: They called using my correct name. But the debt they called about was a very old one. The Statute of limitations has long passed. Also, the amount owed they spoke of, is way off! By more than {$12000.00}! I called the Attorney General and the FTC. I was told, " THIS IS A SCAM. ''
Company Response: Closed with explanation

Timely Response

2017-06-01

Harsens Is, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX, XXXX " Step Forward Michigan '' paid my back taxes through a program created by the state. The mortgage company Beneficial Mortgage ( HSBC ) agreed to include my taxes and insurance in an escrow account. The amount included Principal {$390.00}, Interest {$220.00}, Escrow {$750.00}, to be paid each month at 2 % interest until the year XXXX. The total monthly payment {$1300.00}. During XXXX ( HSBC ) sold my mortgage to XXXX XXXX and on XXXX XXXX my payment increased to {$1600.00}. I was informed that ( HSBC ) did not pay the taxes and a balance of {$6600.00} was owed for taxes. I was also informed that there was an outstanding balance for home owners insurance. ( see attached documents ). I was also unaware that ( HSBC ) charged me {$4100.00} for property insurance in XXXX. The XXXX from XXXX XXXX showed that interest was paid but left blank taxes for the year XXXX. Therefore I was unable to claim a deduction for the year XXXX on my tax returns.
Company Response: Closed with explanation

Timely Response

2017-06-01

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2017-06-01

Camp Springs, MD

Closing on a mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-05-31

MO

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: In XXXX of XXXX I wrote a letter to XXXX XXXX services asking to validate a debt that started reporting on my credit report. I then received a letter dated XXXX / XXXX / XXXX that they reviewed the account and believe the activity on my account is correct. They did not submit any information to me regarding this debt besides an explanation of the debt in this letter. Please see attached all correspondence pertaining to this complaint. I then Wrote them another letter in response to their requests, which was received on XXXX / XXXX / XXXX from which they never responded. I then gave them 30 full days and pulled a copy of my credit report dated XXXX / XXXX / XXXX and noticed that they did not place the notice of dispute on my credit file which they violated federal law and fair credit reporting act section 623 ( a ) ( 3 ). I then w rote them another letter dated XXXX / XXXX / XXXX which is attached which was received on XXXX / XXXX / XXXX which they never responded to either. I have also noticed that this creditor has also broken FCRA Section 605 ( c ) as the y have been re-aging this account as a current charge off instead of when it supposedly occurred back in XXXX . This creditor has broken several FCRA laws and has violated my rights as a consumer and has caused pain and suffering with my issues of obtaining a home loan
Company Response: Closed with explanation

Timely Response

2017-05-31

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2017-05-30

Discovery Bay, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Dear Sir/Madame : I am filing a complaint about HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my Savings Account but I accidentally entered my checking account #. Then HSBC paid through my checking account without checking with me. 2. Since there was not enough fund in my checking account ( fund was in savings account ), the payment was denied. I got notified on XX/XX/XXXX from the payment website. They informed me that my bank only notified them on XX/XX/XXXX. Since XX/XX/XXXX was the deadline for the payment, I was charged $ 1500+ fine. When I asked HSBC why it took them 10 days to inform insufficient fund status, there was no direct answers. I had to escalate to five different HSBC staff and it took me 1.5 months to finally get an answer. During the process, I sent dozens of emails to different HSBC staff for answers. After getting so frustrated, I asked for the contact information of their supervising authorities. At my 7th request, they finally gave me your name. This was a terrible customer service experience. 3. HSB C has been using double standards to decide how to communicate with me. When I opened my account back in XX/XX/XXXX, I told them my sister will help manage my account since I am too busy and I fully trust my sister. Since then, my account manager has been in communication with my sister for all account services through emails, phone calls, etc. When I asked for investment options, HSBC staff also called my sister instead of me to discuss options. But when my sister followed up on above # 2 issue, HSBC staff said my sister can not handle this complaint since she has no power of attorney to represent me. I do not understand why my sister can handle my accounts in any way but when it comes to complaints, she can not? 4. HSBC downgraded my checking account level from premium to advance on XX/XX/XXXX without getting my approval. Again, I have all email communications to prove above. I am more than happy to provide any evidences to support my claims. Thank you for your time! XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-05-30

Cadwell, GA

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Complaint: On XX/XX/XXXX , I was notified of a garnishment that would soon commence by the Human Resource department. After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. Th e summons was submitted by Plaintiff : c/o XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX . XXXX . XXXX File n umber : XXXX . This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house ., XX/XX/XXXX , XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , GA XXXX XXXX filed a suit stating an amount owed of {$1000.00} plus $ XXXX -a ttorney fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiF a fees. Included are also XXXX differen t bills for sale for companies that are all out o f business. There is also a generic cardmember agreement for Household Bank. On XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XXXX filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment. XXXX XXXX XXXX sold account to XXXX XXXX XXXX , which have filed to enforce judgement by way of garnishment. However, After contacting XXXX XXXX XXXX to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company XXXX XXXX XXXX , also state they do not have any information regarding the debt. XXXX XXXX XXXX filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by XXXX XXXX XXXX XXXX XXXX . I believe my case falls within claims against XXXX XXXX XXXX XXXX XXXX .
Company Response: Closed with explanation

Timely Response

2017-05-30

Oak Creek, WI

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-30

NY

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: In XXXX I took out a second mortgage with HFC, a HSBC company and just recently it was transferred to a company I never heard of XXXX , XXXX XXXX XXXX , XXXX . I never looked closely before just made my monthly payments until recently and I noticed that my principal has hardly been reduced over these 10 years and I began to think that this is an abusive mortgage situation that I am involved in. I looked online and saw that in XXXX HSBC was sued over similar abusive mortgages. I would like to get relief and a fair situation for this mortgage from the companies now involved and previously.
Company Response: Closed with explanation

Timely Response

2017-05-27

OR

Problem with additional add-on products or services

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

Complaint: In XXXX , Beneficial added more debt- They just added {$360.00} to my balance, it said lender advanced?? and they added {$34.00} for home insurance ( for no-home ) and {$49.00} for taxes- ( that I pay every year? ) and upped my payment {$130.00} a month. They wont let me pay it down, every month it goes up. I paid it down to {$9000.00}, but this month it is {$10000.00}, these guys are crooks. They continually up my payment and add more debt. EVERY month! THERE IS NO HOME TO INSURE ON THIS PROPERTY! Since I made a complaint to CFPB they are getting worse punishing me for complaining.
Company Response: Closed with explanation

Timely Response

2017-05-27

Albuquerque, NM

Fraud or scam

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

Complaint: When I came back from my mission field on XXXX , XXXX , somebody from XXXX XXXX XXXX called me to insist pay off the balance of unknown credit card. I came to know that a wrong person stole my personal information and made at least XXXX credit cards under my name and spent a lot of money. I did not know until that time. I have never received any bank 's statements of the fraudulent credit cards. I asked a credit agency, XXXX , to send me my credit card records, then, I found somebody stole my ID and made cards from at least XXXX more banks. I wrote each bank to dispute the credit and finally, HSBC and XXXX did not solve the problem. Particularly, XXXX XXXX XXXX continue to send emails to insist pay off even though I sent my clarifications of the transactions of the fraudulent cards. At the beginning of disputing on XXXX , the bank sent me statements of several months, of which card 's ending is XXXX . I do n't know this card. I never received the card nor bank statements. I send them that the card was not mine. But the bank send me another numbers two times and transferred the balance of the fraudulent card , XXXX XXXX . They did not intend to correct the statement. They reported to credit agencies a very starance credit card number under my name. I do n't know how to do it.
Company Response: Closed with explanation

Timely Response

2017-05-26

Brooklyn, 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 monetary relief

Timely Response

2017-05-26

San Jose, CA

Advertising

Credit card or prepaid card: General-purpose prepaid card

Changes in terms from what was offered or advertised
Company Response: Closed with explanation

Timely Response

2017-05-25

Chicago, IL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Complaint: HSBC is the worst, do n't deal with them. Opening account, giving their info, they told you something is wrong, and then hold tax, using your account without your agreement. HSBC did not do bank duty, also violating the US law. How dare they are, g ot to get an to attorney to work on the case.
Company Response: Closed with monetary relief

Timely Response

2017-05-25

Manhattan, NY

Incorrect exchange rate

Money transfer, virtual currency, or money service: Foreign currency exchange

Company Response: Closed with explanation

Timely Response

2017-05-25

Staten Island, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I paid off my mortgage on XXXX XXXX , 2016. HSBC Mortgage has not recorded mortgage satisfaction to this day.
Company Response: Closed with explanation

Timely Response