HSBC NORTH AMERICA HOLDINGS INC

2017-04-13

Baltimore, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Quakertown, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Debt was paid in full XX/XX/XXXX. ( I have receipt and canceled checks ) Was called and ask to pay XX/XX/XXXX I explained the debt was paid. Told debt is cleared. Contacted again XX/XX/XXXX, explained debt was cleared. I was told is was a mistake after I explained and I would not be contacted again. But 2 times after pay off debt???? Something is wrong.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Piscataway, NJ

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Salton City, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX XXXX REFUSES TO REMOVE DEBT COLLECTION FROM MY CREDIT REPORT, ALTHOUGH THE DEBT COLLECTION ACTION WAS DISMISSED BY THE SUPERIOR COURT OVER 2 YEARS AGO. THEY ALSO REFUSE TO PAY THE XXXX COURTS PER THE COURT DISMISSAL
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Garden City, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Garner, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Washington, DC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Santa Clara, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-10

Gladstone, MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In previous contact with our mortgage lender Beneficial/XXXX, we learned while attempting to Refinance to a lower rate with other lenders. This evidently put me in a tailspin with them because even after contact their CS Representatives and going through a series of questions name, address, ss #, loan #, date of birth, and any other question to verify my identity Beneficial still as of today wo n't give myself or County Recorder of Deeds, for the State of Missouri , County of XXXX, a lien release after they transferred then sold our mortgage paperwork to another XXXX. Whether they work with or are in each others pocket l ca n't seemingly get a square or complete response out of either that is similar or comparable to one another for example an accurate payoff of now our mortgage. A note to mention before selling off our mortgage paper work they did however raise my payments now XXXX dollars + each month, which the other lender has conflicting statements but also has kept the higher payment scale to base their findings for predatory lending practices just like predecessors. Those are their likenesses as being one of the same.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

Jupiter, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I signed up for a bank account with HSBC for a {$350.00} welcome bonus in XX/XX/2016. The promotion required that I use HSBC 's bill pay service twice a month for three consecutive months and maintain a minimum balance of {$1500.00} throughout. Upon completion of these terms, the bonus was to be deposited " 4-8 weeks '' after. I completed two bill pays each in XXXX, XXXX, and XXXX. At most, 8 weeks later should have been at the end of XXXX. By XXXX, no bonus had appeared. I have called on a weekly basis since early XXXX and each time a customer service representative assures me they are " opening an investigation with the back office. '' I have supossedly now opened 5 of these investigations but not a single customer service representative has contacted me with a resolution. Furthermore, each time I call for an update, no record exists of any previous contact and I am read the same script each time. I have asked to speak to supervisors and the back office directly but I am refused each time. Essentially HSBC is giving me the run around with no way to escalate or speak with anyone in a position of authority. I have documentation outlining the promotion and proof of having used the bill pay service. Furthermore, I recorded a secure chat conversation with HSBC where the representative confirmed I had met the conditions for the bonus.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-09

Nyc, NY

Other

Credit card:

Complaint: Please see complaint for background : XXXX. This is still not resolved ; I am unable to find attachment CFPB tells me is bank 's response. Problem was 1 ) bank 's cancelling of my checking account with no warning for no reason other than I did n't comply with something I had complied with. Since then I accidentally learned checking account is open AND THEY ARE BILLING ME MONTHLY FOR EMPTY ACCT & gt ; X 6 MOS. ( wondering now, if they had to bury that account for some reason related to the XXXX XXXX subsequent thefts via ATM they did n't happen to notice. ) This, now, is the new complaint about the HSBC credit card # XXXX they canceled, which I earned about a few days after they canceled the checking account, causing me another ton of problems not limited to screwing up my credit reports and billing me 30 % PER MONTH NOW A SIGNIFICANT INCREASE!!! ( this is why I am currently late with payment because I want to resolve this first. ) BTW, just before HSBC cancelled all my accounts I was going to transfer my other cards to this card partly due to the good, previous, rate. HSBC should be penalized and I should be compensated for the troubles they 've caused me that it has taken e 6 months now to try to clear up. I am not a well person.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-08

Leeton, UT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Back in XX/XX/XXXX we refinanced our house with HFC Mortgage, our daughter was getting married and we needed some cash out. One thing that was odd right at the first was instead of giving us the additional equity cash out they gave us what they called a side car loan which was a credit line with a fairly high interest rate. A few years later my wife started having health problems and was taking a lot of unpaid time off of work also we had had our son and his wife and children move back home with us. This put a lot of financial stress on us, this was after the financial collapse and we were unable to refinance again to get the payment back down to a lower rate. I had heard about a lot of institutions offering modifications to help distressed borrowers so I contacted HFC in writing and explained our situation and ask for a loan modification. A while later I got a letter back in the mail stating they were under no obligation to modify our loan. We continued to struggle with the monthly house payment of {$1300.00} at I believe 9.72 % interest. We later filed chapter XXXX bankruptcy we did out best to stay on top of the house payments. The bankruptcy was later dismissed because we could not keep up with the plan payment. Again I ask HFC for a modification and got the same response. Now to present day, we are in a better situation so we are trying to refinance the house. HFC sold our loan to XXXX. When our mortgage broker requested a payoff from XXXX it came back with {$9200.00} added to the end of the loan for a supposed re-age agreement. I never entered into a re-age agreement with them, I never signed this agreement. Both times I requested assistance from them I was declined in writing. They never contacted me back by phone or any other to discuss this option with me and I was totally unaware. Now they are sayng they have put seven payments to the back of our loan. Our mortgage underwriter is asking for a copy of this re-age agreement and an explanation. I went to XXXX and ask for this there is nothing in the file sent to them from HFC so they reached out to HFC and requested a copy of the document. It was to be sent to both them and myself this was requested on XX/XX/XXXX and we still do not have it. On XX/XX/XXXX I called HFC and ask for a copy of this they told me it would take at least 15 days to produce it. Today is XX/XX/XXXX and I still do not have it. I have often thought because this is an investor backed conventional mortgage HFC was doing anything they could to keep this mortgage afloat and keep us paying this high interest rate. They are more concerned about their investors than anything else. I also work in the financial industry and I do know the CFPB guideline about extending credit ( payments to the back of the loan ) the makers must provide proof of the ability to repay the debt ( proof of income ) and sign a statement to this effect. Provide a written hardship letter and all parties on the note must sign the re-age or extension agreement. The house payment to income ratio and the overall debt to income ratio must be within industry standard guidelines. This did not happen in this case. We signed nothing and provided them with no proof of income or anything else.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

MO

Account opening, closing, or management

Bank account or service: Checking account

Complaint: HSBC had a deal wherein you could open a new checking account and either pay 2x bills a month with the account and/or make direct deposits. I completed the bill pay portion but now they are saying I had to use their special portal. Nowhere is that specified, more than 2x bills were paid and they are using it as an excuse to not pay out.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-07

Flushing, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Bluffton, SC

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Luther, MT

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Jersey City, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: Signed contract in XX/XX/XXXX with XXXX attorneys for XXXX for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly XXXX is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-06

Stone Mountain, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Stone Mountain, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Nyc, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: HSBC ran their " XX/XX/2016 Fall Campaign '', where they were offering {$350.00} for opening a new account and satisfying various requirements. The exact wording of the offer is below ( I have also attached a copy of the offer from their website ) : Open your new account Begin a new HSBC Choice Checking, Advance or Premier relationship by opening a corresponding HSBC checking account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. Complete your qualifying activities Pay at least two bills per month from your new HSBC checking account via HSBC 's online Bill Pay for three consecutive months within 120 calendar days of account opening. OR Receive at least one qualifying direct deposit per month into your new HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. I opted to go the direct deposit route to qualify for my bonus. My account was officially opened on XXXX XXXX, XX/XX/2016 ( copy of the official welcome email from HSBC on this date is attached ). That means 120 calendar days from XXXX XXXX, XX/XX/2016 is XXXX XXXX, XXXX. I received direct deposits totaling {$3000.00} for three consecutive months BEFORE XXXX XXXX, XXXX ; however, HSBC is refusing to honor the terms and conditions of their offer. Below are the qualifying transactions ( I have also attached a copy of my bank transaction activity for the relevant months ) : XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} These deposits were in three consecutive months and total {$3000.00}, and they were all completed before the cutoff date of XXXX XXXX, XXXX. The terms and conditions of the offer state the bonus will be awarded approximately 8 weeks after completing all offer requirements. After giving ample time for HSBC to credit the bonus, I sent a secure " BankMail '' on XXXX XXXX, XXXX to inquire on the status of my bonus. A representative responded that I did not satisfy all requirements for the offer, to which I responded by clearly demonstrating that I did by laying out everything as I have done here. My inquiry was escalated for weeks before finally receiving a response today, stating again, that I was not eligible because I did not satisfy all requirements. I have attached a copy of this BankMail from today. In this BankMail, the representative again reiterates the requirements of the offer and why I am not eligible for the bonus. Their reasons are factually incorrect as I have already relayed to them multiple times, and as I have just outlined above. Again, I received direct deposits totaling {$3000.00} for three consecutive months XXXX XXXX, XXXX, XXXX XXXX before the deadline of XXXX XXXX, XXXX. I have given the bank ample time to resolve this issue before resorting to submitting a CFPB complaint. The bank is using false reasons to delay or resist rightfully awarding me the bonus. Please have HSBC credit the {$350.00} bonus per the terms and conditions of their offer.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-05

Darien, CT

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

High Point, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

IL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Hello, I XX/XX/XXXX I attempted to open a checking account with HSBC, they had a {$350.00} bonus promotion running for opening new checking accounts. I finally received my account on XX/XX/XXXX. The requirement for the promotion was to pay 2 bills per month, for 3 consecutive months, within 120 days of opening the account. I made 2 bills pays on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX, thus meeting the requirements. I called in today to ask when I would be receiving the bonus and was told that I was not eligible for the bonus because I did not meet requirements.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response