HSBC NORTH AMERICA HOLDINGS INC

2017-02-25

Bronx, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-25

Garrett Park, MD

Disclosure verification of debt

Debt collection: Mortgage

Right to dispute notice not received
Complaint: PHH in 2013 did not communicate they had not received from their mortgage originator XXXX the automated payment I had set up through online banking. As soon as I discovered the missed payment, I paid and set up automated payment so PHH draws directly from my checking account the monthly dues. Ever since PHH has represented me in credit reports as late payer and every time I contact them they claim I had a late payment in the last 6 months, while they can not substantiate the claim.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-24

Bronx, NY

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-24

Corona, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-24

Burlingame, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a checking account at HSBC back in XX/XX/2016 when it had a promotion that the bank would give me {$350.00} when I keep my balance above {$1500.00} everyday and use the bank 's Bill Pay function at least twice a month for three months within the first 120 days after the account has opened. I met all the requirements but I do n't see my reward. I have contacted the bank twice with email and once with phone but still no money.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-23

PA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: This is in reference to a time-barred debt. Last payment was made XX/XX/2011 from a repossession auction. Another collector tried collecting this also, but withdrew when i was having a lawyer represent me in court. The debt was time-barred at that time also. They are now calling my personal phone and anyone they can at my employer. I have requested they not call here due to my employers policy against this sort of inquiries. I requested they send me the info about this matter. FDCPA states they have 5 days. Lady on phone argued it was 30 and asked why in never responded to any of the paperwork they sent. I informed her that i never received anything from them. A gentleman i talked to yesterday stated this was about a breech of contract, but the lady today stated this was a lawsuit and an attempt to gain asset info from my employer to garnish wages, all while trying to strong arm and intimidate me. She seemed to have no concern or knowledge of this FDCPA regs. She didnt state the company name, reason, anything of that sort. All required per FDCPA. She also told me i needed to get another lawyer as my current lawyer doesnt know anything. I was told from the gentleman the other day that the name of their company ( which i had to ask for ) was XXXX. I found nothing on just that but did find info on some companies with the same letters as name, but spelled out. I believe i found the right info in my search then as a post i found, people have explained the same exact thing that they are doing to myself. i have added the post link below. I would really like to have all of this stopped as i 'm trying to move on from my past. XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-23

SC

Communication tactics

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

Threatened to take legal action
Complaint: I have been paying on an old installment loan debt that was with HBSC. After falling behind on payments the debt was supposedly purchased by XXXX XXXX XXXX in 2012. I have paid roughly {$10000.00} of a {$17000.00} debt. However I have repeatedly asked for statements which this company refuses to comply with. I have asked for a copy of the original agreement which I have never received. The company threatened to sue me if I did not set up automatic payments of {$150.00} every other week corresponding with my pay days. They set them up on a debit card but if the debit card does not go through they send it through as a check the following week which can result in a returned check fee if the money is not available. I do not believe I ever agreed to this and do not have a copy of the original agreement. The payment arrangement was set up over the phone in 2012.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-23

Staten Island, NY

Deposits and withdrawals

Bank account or service: Savings account

Complaint: Some indvidual walked in to an HSBC branch, deposited a fake check into my account, then withdrew that amount in cash, using a fake ID, they then went to another branch and did the exact same thing. They managed to steal XXXX from my savings account, cause once the checks bounced they took them off my savings. I contacted the bank, and they said they will investigate this has been going on Since XX/XX/2016.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-22

Potomac Falls, VA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Chestnut Street, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Rome, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

VA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: My client has requested mortgage assistance from PHH Mortgage Services to allow for them to short sell their property. The property has been vacant for more than 10 months and the owners have an offer for the purchase. Due to the property condition the price is less than neighboring properties. PHH declined the sale offer because the offer did n't meet the net requirement for the investor but upon further discussion the negotiator for PHH mixed up the lien position of the short sale investor ( 1st trust getting full payoff ). She thought she was handling a 1st lien short sale so the rules she was applying were incorrect. Even after admitting her mistake she still has n't straightened on the issue. She claimed to send to the investor for approval 21 days ago and keeps stating the review is n't complete. Not only is the investor losing money, but my clients are still paying insurance on the property 9 months after vacating ( they ca n't afford to pay ), and the neighborhood is being affected by the dilapidated property sitting vacant. This has been going on with PHH since last XXXX and they have the same person working on the file that messed it up last XXXX. They either need to replace her on the case and escalate it to management for completion or intervene in the process to make sure the investor is actually deciioning the file
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Saint Charles, MD

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-20

MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: HFC Beneficial Acct. # XXXX -- On XX/XX/2017 my mortgage was purchased by XXXX XXXX XXXX XXXX from HFC Benefcial. I had already scheduled my mortgage payment to HFC for XX/XX/XXXX and was unable to cancel it. I contacted HFC directly and they assured me the payment would be forwarded to XXXX. XXXX New Acct # : XXXX. It has now been over 14 days and my payment has not been credited. I want this straightened out. I have called numerous times and nobody is helping.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-19

MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: HSBC mortgage services did not report my on time payments from XX/XX/XXXX through XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

E Massapequa, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

N Highlands, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Hempstead, NY

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Untimely Response

2017-02-17

Billing disputes

Credit card:

Complaint: I 've recently contacted the merchant in regards to the travel voucher that I 've purchased in XX/XX/2015 via my Credit Card. I was informed that the purchase was charged back and the voucher is invalid, the merchant advised me to contact my bank to clarify the situation. I 've contacted my bank for further information, I recall initiating a dispute it was never completed as I never received the credit back so I thought that the travel voucher remained valid since then. I 've been contacting back and forth between the merchant and my bank since then trying to resolve the issue. Finally, the merchant provided a document that is to approve the charge back. I 've forwarded it to my bank hoping that they will provide me a resolution ; however, they continuously advising me the information that I already know. 1. The credit did n't credit to the account 2 years ago 2. this charge back pass the time range to initiate the dispute as it 's 2 years ago I 've been trying to contact my bank further for the explanation on why my bank did n't complete the dispute when the merchant already authorized / approve the charge back. The merchant had already expressed that they ca n't assist me any further after providing me the related document and advised me that the money is no longer in their account. I do n't know what else I can do in order to resolve the issue anymore as my bank only advises me that the credit never arrived to my account ( which i knew by basically reading the statement ) and the transaction was long time ago ( which i knew as well so that I raised the dispute 2 years ago ) yet my bank never advised me of the rationale of the incompletion of the dispute i raised 2 years while the merchant agreed to charge back. Now I have paid XXXX USD and I do n't get to have my vacation ; neither my bank nor the merchant was able to assist me further
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-17

South Florida, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: HSBC I 've received your XXXX/XXXX/17 response and there has been no reply to the complaint..Please address a letter from HSBC to XXXX with authorization to be signed and dated, to have this account researched. The fact that I 'm not a signer on the account is not my fault, therefore does n't justify you ignoring the the complaint.Please provide the document you are requested or my Attorney will.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

E Yaphank, NY

Payment to acct not credited

Consumer Loan: Title loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-16

Detroit, MI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: XXXX XXXX XXXX XXXX HSBC Bank USA has information on my credit report. They claim that I had an account with XXXX and purchased items in XXXX2012 in the amount of {$220.00}. I have never had an account with XXXX, I do n't even shop there. In the past when I asked them to produce documents with my signature for purchase affixed, they were not able to. I should not be charged for something I did not sign for. This is fraud or a serious mistake! Please help me clear my name and restore my credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-16

NJ

Billing disputes

Credit card:

Complaint: i have tried calling emailing no response. i want to know why i was charged XXXX cents interest aand a payment was returned on card ending XXXX. i am not paying interest. i am not arguign about its validity just questioning why i paid it in full. cusotmer here 30 years and still get scripts. bottom line calling in you cant understand the person from XXXX and i dont have time to waste. i was told " its only XXXX cents '' well why? i know you will not refund interest and i cant use the card as a result since if i could pay in full i would. and loyalty means after 30 years it could be refunded. since not i cant use the card need no card agreement tell me why payment was returned. again i called and emailed no response. When you can be loyal to me i can then use the card until then i stick with banks that are loyal and dont care about interest because they know they make more when i use the card and lose more on bad customers. also no need to remind me how much has been credited. without credits for interest i cant use the card no more how valid it is. plerase dont retalaite. i am so sad how i am treated here. all the scripts all the lack of XXXX and all the problems
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Tulsa, OK

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Pontiac, MI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response