HSBC NORTH AMERICA HOLDINGS INC

2017-01-06

Flushing, NY

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-06

Cherry Brook, MA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-06

Newnan, GA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: on XX/XX/2017 my parents received a phone call from some man stating that he was a XXXX County ( GA ) detective and that he had court documents to serve me with. He gave my mother a phone number to call if I needed more time to work this out. Well, I called the number XXXX case # XXXX and was transferred to a XXXX XXXX from XXXX XXXX XXXX She turned out to be one of the rudest persons I have ever spoken to in my life I started asking her questions regarding this debt and that 's when she started to call me names, stupid ( she told me she was smarter then me ) and she also stated that I had selective memory on my debt that I owe which she had stated was about 8-9 years old, she threatened to go to my job etc ... .. The first call she hung up on me so I called her back and that 's when she really start the name calling so I must admit I lost my cool and told her to go ahead and send me the XXXX papers Anyway, I have a document, release of liability, from a law office that I have already paid this debt which is from HSBC ( XXXX ) but this women would not even listen to me
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-06

Kansas City, MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I 've had Beneficial Finance out of XXXX FL, servicing as my mortgage company for several years, as far back as XXXX. Most recently in the past 2 years the representatives of their company have been standoffish and or short from rude, anytime l or my wife had to personally contact them for assistance concerning our loan, for mostly payment matters. Some of those matters arose shortly after unfortunately having to File for Bankruptcy in XXXX, due to loss of a job. However they were excluded in the bankruptcy papers at our lawyer suggestion. Actually that 's when we first noticed the changes in customer service attitudes anytime we contacted the them. Whether they 've flagged the account or what, it feels like something once they bring up the account something brings on an unenthusiastic voice from their representative, on my end of the phone. Most matters in contacting them concern payments over their website, which is the way l choose to make payments and have from the time it originally came in exexistence. After closing actual stores. l used to go in and make payments actually and was for the most part of why l chose to do business, they were locally or so l thought back then. But over time, from out sourcing customer service overseas and one could barely understand their accents and then long distance at that, not saying they were n't intelligent people because after all they were handling my exchanges of money to the mortgage account. The longer l 've been dealing with this company for years now, l 've come to a parting to refinance through another lender and it 's getting worse, l feel as though these are predatory lending practices. And feel somebody needs to look into their matters if they are n't already, before someone like myself end up with similar situation. Beneficial most recently has moved our account into their bankruptcy division, prohibited me from their website, failed to proceed applying my payment to the account for XXXX, now saying it is short even though it was the same amount as previous paid, no followup letter stating it was short of funds, possibly trying to ruin the ability of me to get another mortgage loan. I do n't know but it is what l feel is going on.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Colo Spgs, CO

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: My ex-husband and I took out a second mortgage from Beneficial for {$17000.00}, in XX/XX/XXXX. We then went through a separation in XXXX, and then a divorce. This created a lot of financial hardship for both of us, which led to a Chapt 7 bankruptcy with discharge in XXXX. Since I was still living in the home, I was told I could voluntarily pay the loan back, ( I did n't reaffirm loan ) which I tried to do sporadically until XXXX, when my payment was abruptly returned. The letter accompanying the payment stated that the account had been closed. Since I received no further communication, I assumed the debt had been discharged and I was no longer required to pay it. About 6 months ago, I inquired into refinancing the home, and was told that Beneficial had a lien on the title. I explained about the abrupt payment return, and even showed that the account was reported as closed on my credit report. I was told to contact Beneficial to request a release of lien. After many attempts, I finally reached someone who informed me that Beneficial had sold my loan in XXXX. After a lot of research and unsuccessful phone calls, I was led to a representative from XXXX ( formerly XXXX ), who told me that my account was active and had been accruing interest. She informed me that I now owe {$18000.00}. She told me there was a note in the account not to contact me due to the discharged bankruptcy. So, not only was I not notified of the change of lender, but I was being charged interest on an account I thought was closed! XXXX wants to negotiate a settlement, but they do not hold the lien on my title, it is still listed as Beneficial, in county records, who has already received payment when they sold the loan. I am concerned that if I pay XXXX, They will not have the authority to release the lien, and Beneficial can still have a claim on my house. I do n't know what to do at this point, and legal counsel is very costly. Are you able to point me in the right direction?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-05

Mesa, AZ

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Astoria, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-04

Stewart, AL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Johns Creek, GA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Katonah, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2017-01-04

East Elmhurst, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-01-04

Fraud or scam

Other financial service: Check cashing

Complaint: In XXXX a company I work for in the United States sent me a XXXX dollars payment by check by mistake ( because I always request bank transfers, not checks ) and sent it to the wrong address in my country, XXXX. This check was cashed by an unknown person. The company that sent the check always told me that I was the who had to make the claim to the bank, HSBC Bank USA, N.A., and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by. Last year ( XXXX ) I decided to contact HSBC bank once more and send new documentation and forms, unfortunately, this time XXXX XXXX Bank, XXXX. denied my claim to HSBC giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the US and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-03

Atl, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-03

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Calumet Park, IL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Milwaukee, WI

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: XXXX XXXX XXXX. After having this high interest loan for XXXX years my life insurance canceled. A XXXX XXXX loan in which I still owe XXXX XXXX. A second mortgage
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-02

Jackson, MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-02

Hazelwood, WA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-31

New Rochelle, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-31

NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage lender HSBC Beneficial is charging me 11.29 % interest rate and refuses to work with me to lower the rate. Even though I qualify for a 3.75 % mortgage from a HUD approved lender.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

Katonah, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

East Elmhurst, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

Burlingame, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I am a XXXX parent and there was a person disguising himself as a parent looking for housing for his daughter while attending school in California. I have worked with XXXX within the past three months, so I did not think this person would send me a fake check, I deposited it the bank, so it did not clear with my bank HSBC. The manager of the branch with HSBC closed my checking account and reported me to a XXXX agency, which will destroy my chances of getting another checking account. Also, I had been trying to get an overdraft account with HSBC, but they would not allow me XXXX, even though I had direct deposits of over {$5000.00} put into my account every month. They just continued to charge me overdraft fees which totaled over {$790.00} so far this year in 2016. The bank manager is practicing discrimination and is ruining my credit. At this point, I only wish to have my name removed from XXXX because this situation with a criminal embezzling money from my checking account was at no fault of my own. Also, the {$790.00} that HSBC would cover some of the loss, and they would not even investigate this fraud - the manager just reported me to XXXX.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-12-28

Cheektowaga, NY

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response