HSBC NORTH AMERICA HOLDINGS INC

2017-02-07

Staten Island, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: After receiving a " Payoff '' amount from Beneficial Mortgage in XXXX, 2000 in the amount of {$5000.00}, I paid this amount at the agency in full. 17 years later, Beneficial reports a charge-off to the IRS in the amount of {$5000.00}. The IRS sends me an outstanding tax bill since this was reported to them on a XXXX. I challenged Beneficial and was told I underpaid in XXXX2000 by {$750.00} and therefore, after accumulated interest over 17 years, they decided to charge it off instead of seeking payment. I have NEVER received a late notice, balance due or adverse payment history on my credit report from Beneficial. How can they do this? The bank I paid this account through is no longer in business XXXX XXXX XXXX XXXX Bank XXXX. And even if they were, I was told, records this old would not be maintained. There are XXXX of complaints against Beneficial on the web site all siting similar experiences. What can I do?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-07

Otisville, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-07

San Gabriel, CA

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-07

Cologne, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-07

Carol City, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: The property located at XXXX XXXX XXXX XXXX XXXX Fla.XXXX, is our primary residence, it 's owned jointly, severally and liable to me and my wife. Due to health issues my wife was forced into an early retirement. I 'm solely responsible for the Debt Services, property taxes and insurances which are current and paid on a timely basis. HSBC Mortgage Services has an issue of me not being a signer on the note.Therefore, they 're unable to conduct a research of the account. All borrowers who are named in the security instrument must sign the note. A person whose income is not used in qualifying for the mortgage, but who does have an ownership in the property must be named and sign the security instrument, but is not required to sign the note.Further, a person who is a guarantor and who has an ownership interest in the property must sign both the note and the security instrument. As owners of this property we are requesting HSBC Mortgage Services please provide us with Documents, addressed to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fla.XXXX ( to be ) signed and dated with authorization allowing account information to XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-07

Belle Haven, VA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I paid a judgment XXXX from beneficial finance served by XXXX. this was the amount specified on he judgement from 2010. However I have recently been servied a garnishment summons for interest in the amount of XXXX I am disputing this a d asking for verication of this debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-06

E Farmingdale, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-06

Val Verde, TX

Taking/threatening an illegal action

Debt collection: I do not know

Sued w/o proper notification of suit
Complaint: XXXX of XXXX lawfirm called my phone on XXXX/XXXX/17 in an attempt to get information to serve me court documents. I explained to him that I was unaware of who Household Bank was and he laughed. I told him the call was being recorded and he became indignant. He said that he was not giving me any other information other than the name. He hung up on me several times once I tried to get information. These calls are all recorded. He better leave me the XXXX alone. As far as in concerned he 's a XXXX con artist.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-06

Finksburg, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-06

NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: We got XXXX XXXX tax forms from HFC with XXXX sets of numbers, I called HFC and they told me that their company has sold all their mortgages to a company called XXXX XXXX. so I explained that I should call this company they proceded to tell me that they have n't received any paperwork from HFC that we would have to wait at least 3 weeks or so I explained that we were doing our taxes because we were going XXXX and needed to get them done, he said that wasent their problem, I explained that I spoke to the IRS and they told me to send in our taxes and I explained that if we were audited that they would be responsible because this is what the IRS told me to tell them the gentleman from XXXX XXXX told me to get a lawyer.he was very nasty.When we got a mortgage loan in XXXX from HFC they took out XXXX for our loan payment everyweek through XXXX.they told us if we pd weekly that we could pay the loan off much quicker, then we purchased a new vehicle in XXXX XXXX and financed that loan through XXXX in which HFC ended buying them out then HFC bought out XXXX out.So that is how HFC ended up with our car loan.We did not know this until we went to sell the vehicle that HFC had purchased XXXX, but HFC did not keep the accounts separate they added the car loan as a remortgage, So that is why they still have us owing XXXX for a house mortgage.Then this past XXXX they added XXXX XXXX XXXX to the same loan for taxes, we always have paid our own taxes, we did n't have escrow.They ended up paying somebody elses taxes and added it to our loan.The family that they pthey said they paid the taxes paid their own taxes, they are n't even mortgaged through HFC.This has been going on for years.I am about ready to stop all paynents to this company.They have scammed people over and over, Thant is why they are probably going out of business.We are about ready to get an attorney.I asked for the document from XXXX to now I got the documents for every month except the month of XXXX XXXX those are the documents I asked for and have asked for for years and they have n't sent them.Everything I have faxed to them they said they never received them.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-05

Chicago, IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My home is currently under a foreclosure process, but I have been taken advantage and been treated unfairly as I have been assessed unfair fees, and was a homeowner subject to both unfair debt collection practices and predatory lending practices of my original lender HSBC ( Appendix B ). My state of Illinois and XXXX County attorney general filed former suits against HSBC, and subsequently they have quietly attempted to transfer ownership and obligation to another entity - XXXX. Without my knowledge or consent, my home was transferred to a private entity, XXXX XXXX XXXX XXXX, from a private sale for homes under distress. My servicer is now owned by XXXX, a global private equity fund, and is owned by a XXXX named XXXX. So XXXX has bought my mortgage in bulk auctioned deal, at a substantial discounted rate and has even been paid a big chunk of money that came out of my mortgage insurance. By not discounting the principal of my loan, the rich investors behind the XXXX make a windfall off of me. In addition, HSBC has continued the lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed. This can be confirmed and are on record from XXXX 's financial records website ( See Appendix D ). This entity has even represented themselves as being with XXXX as Trust for XXXX, however my lender and servicer are still listed as HSBC and XXXX respectively. I am advised that under XXXX, my mortgage could be considered a non-negotiable instrument. This practice is very unfair - how is it allowed that the private equity bigwigs get to buy my loans at a subsidy ( HUD ), but as a homeowner with a home under water, I do n't get a subsidy when trying to save my own home. They are profiting off of my distress. I have tried to work my old and new lender/servicer over the last year plus, but have not gotten any resolve or assistance. I have worked with my servicer and lender directly, HUD, XXXX County Foreclosure Mediation ( Honorable Judge XXXX XXXX ), and private consultation with an attorney. I was consequently advised to contact my local Congressman, National Association of Consumer Advocates, and Consumer Financial Protection Bureau on this matter. I am a previously unemployed, divorced father with XXXX children XXXX XXXX old, XXXX in college, XXXX, and XXXX elderly parent ( Mom, XXXX ) who I support and live in the home. My last few correspondences have only resulted in me being told to do a short sale or deed in lieu - transactions that would only benefit the lender/servicer. I was recently even told that a modification would not be considered due to the status of the loan and the fact that it 's severely under water.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-04

OR

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I have been paying back a {$70000.00} loan from Beneficial for over 20 years, and have repaid it more than twice over. Now that the loan is almost paid off they keep adding new charges to my loan without my permission every month. Last month it was an insurance policy, over {$500.00}, this month they paid my taxes, which I had already paid, over {$600.00} in new charges, plus they raised the payment with monthly insurance and tax charges. I have always paid my own taxes, it seems illegal to suddenly start paying the tax, then adding it to the loan without permission, adding interest, late charges, insurance and whatever else they can think of, especially when it is almost paid off, and could be paid off this year if they did n't add enormous charges every month, and they know I 'm old on a fixed income. XXXX, an accounting clerk with the Department of Assessment & Taxation with XXXX County, OR responding on behalf of the Assessor. " After further review of both accounts, it does appear that there are, in fact, two duplicate payments from both you and your lender. '' ( my XXXX is divided into XXXX sections, XXXX ) I had applied for the Senior citizen ' tax deferral program, but they turned me down after the first year because I did n't have insurance. The XXXX I had before, filed for bankruptcy ( The fellow who ran the business said there were too many claims due to GLOBAL WARMING ) - and according to the insurance lady that took over the office - because I live in a XXXX there is no insurance available. Several women have told me that their insurance was cancelled out in this area because they live too close to the " XXXX ''? I know you do n't control the insurance industry, but I wonder how it is that no insurance company will insure my property for me, but they will issue a policy for my property for Beneficial 's interest only? And if it is insured now can I get the senior citizen 's deferral? Is that why they paid the tax? Do they actually pay somebody to figure out how they can squeeze the last dime out of old people who are almost debt free? Or am I just a conspiracy theorist? They do n't have contact info on their bills, no phone, no website and they do n't respond to letters. Anyway, thanks for your help.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-03

Katonah, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-03

Colts Neck, NJ

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I am unable to get a duplicate title for my vehicle. As per New jersey XXXX, there still exists a lien. The lienholder seems to be out of business. I have attached documents showing address.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-03

Odell, OR

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: We received a XX/XX/XXXX XXXX from XXXX XXXX XXXX. for an account that was " settled in full in XX/XX/XXXX '' for an old account. XXXX has stated they sent this form into the IRS and we will need to claim it as income for XX/XX/XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Venus, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-02

Downingtown, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Memphis, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: i bought a house XX/XX/1981 and my mortgage has changed companies 10 or 12 times and i had nothing to do with any of them. now HFC has sold it again. i need some answers because I 'm through being the cash cow for this mortgage institute in America. I 've written and talked to HUD, the justice department, counselors and attorneys and all i got was smoke. people just do n't care about people. i hope this lead is more profitable. first, i started with a principal and interest mortgage. i thought i was getting an equity loan from HFC and it turned out to be something else. two or three months later I found out it was something else. they had changed my loan to what i called a credit card loan and would n't give me an amortization schedule. my first question is this. was that action within the laws of the mortgage laws of the state of Tennessee. please qualify your answer. my second question is this. is it legal for them to just pass a person 's mortgage around without giving them any paperwork on the transactions or getting any signatures on the transfer. again please qualify your answer. my last question is this. i can understand when a new company changes an account number but why does the same company continuously change a person 's account number. I have n't understood the way HFC has handled my account since i got it. i ca n't keep up with it. last, if this is the right place to get some qualified answers ; thank you. if not, point me to the XXXX of the mortgage industry in Tennessee.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Pasadena, CA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: RE : Case XXXX XXXX I paid for a website to be developed on XXXX/XXXX/XXXX. By XXXX/XXXX/XXXX, the work was not done and I requested a refund [ per their 100 % money back guarantee ]. Although I requested for the site to be closed, the company insisted on working on it. I 've attempted to cancel many times, and they still have not refunded my money. I realized that no matter how many times I 've requested, the company would not refund me my money. I contacted the bank on XXXX/XXXX/XXXX to reverse/dispute the charge and put the money back to my account. then the bank to receive my money, and I have not been successful. The company is clearly a fraud and scam. I sent back the dispute forms on XXXX/XXXX/XXXX and the bank claimed that they did not received them so I resent the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I went into my bank to inquire as to the case status and I have not heard or received my money back as yet.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-01

Burbank, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-31

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-31

Cheyenne Wells, CO

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-31

Covington, GA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2017-01-31

Rochester, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response