HSBC NORTH AMERICA HOLDINGS INC

2016-11-21

OH

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: I CAME ACROSS LOAN DOCUMENTS THAT I DID NOT APPLY FOR OR SIGN FOR
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-21

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-21

Flint, MI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-20

Franklin D Roosevelt, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-19

Philadelphia, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We have had a mortgage with HSBC for 30 years. In XXXX HSBC transferred our loan to their HFC/Beneficial division where we have been till now. We were given a three month deferment/forbearance some time ago after I spoke with them about my husbands XXXX and our financial situation and resulting late payments. This took the end of our loan to XXXX XXXX. They denied us a modification. Now we were just notified that the deferment has been taken away and the original loan maturity date reinstated being XXXX XXXX. Our payments are/were current as of XXXX XXXX. Now they want the amount of {$4200.00} as final payment which is shocking as well as incorrect. It does not reflect XXXX payment they received and accepted. Also if all payments are current with no past due amount, then where is the amount in principal of {$2400.00} from? there should only be the three months worth of forbearance payments they decided to renege on which is {$460.00} x XXXX. I called and got a run around, hung up on and no answers. After 30 years of struggling and finally near the end and owning our home they are pulling this. Its not the fact that we do not want to make final payment on our home so we can finally retire but the fact that again HSBC is playing games, changing dates and padding amounts due that is unethical. Now we have to scramble to try and find the money before they again try to take our home!! Which they will definitely do with out payment.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-19

Arsenal, PA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My mortgage with HSBC was sold to XXXX and HSBC has reported that I have balances for defered interest and lender advances which I am not aware of. XXXX has said I have contact HSBC now HSBC is saying they sent all the info to XXXX. All want is a detailed in simple language who HSBC paid dates and amounts so I can check my bank records, because I pay Taxes and insurance myself.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-17

New York, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-17

Bronx, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

Houston, TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

East Elmhurst, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

Doddridge, AR

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

Del Sur, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed

Disputed: No Timely Response

2016-11-16

North Kortright, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

Brooklyn, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-15

Cocoa, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Statue of limitation has passed on the item in question.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-14

Brooklyn, NY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-10

Smyrna, DE

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-10

CA

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: My husband XXXX XXXX. Their loan was with Beneficial in XXXX XXXX which closed their offices and moved to XXXX, XXXX. Their home was a tiny manufactured home on a acre with well and garage. XXXX and his Dad and neighbors built it 40 years ago. He raised XXXX kids with his wife, XXXX, there. He was getting bills from Beneficial and XXXX XXXX in XXXX, XXXX and other probably other servicers who were promising to " take care of their mortgage ''. Which means sell their home. I was the familys friend for over 30 years, but I did n't know their finances. I did know they always struggled to make ends meet. XXXX was the least expensive XXXX in town. He would work for free and XXXX no one else would. We dragged so many cars off XXXX and got the people ... often families to other states at the expensive of our run down vehicles. I should know, I helped people with broken cars get as far as XXXX. He deserves a chance to keep his home. Because XXXX passed and she was on loan ... I believe the new owners of the loan ( or servicerswhoever they are ) made sure the home sold online to XXXX. I faxed them the death certificate, affidavit of death and my power of attorney. I was told the place had to be sold ... it was in foreclosure in XXXX and I am now doing research on it. The debt and looming foreclosure killed XXXX and it almost killed XXXX. XXXX. We became engaged and married two years after XXXX passed in XX/XX/XXXX. XXXX said there was a life insurance policy from Benificial. The note was in XX/XX/XXXX for {$63000.00} and now he owes {$65000.00}, so I ' ; m thinking it 's one of those predatory loans made to steal your home. It was his primary residence ... a rundown mobile. I tried different avenues, HAMP program ..many times Save Your Home XXXX ... strange things began to happen which hampered our return to his land. I am going to send in the information on this loan that I received under separate cover. I am hoping you can do something about the illegal happenings concerning this transaction. I am certain the attorneys who work for the parties involved will admit to no wrongdoing ... especially because the loan was so small. We are small town people who never made big money here..we also trust people to do the right thing. I complained that my dispersal of my mobile home loan was wrong ... enough to make it impossible for me to get a permit to live there. A nice man meet me at a government office where I went to complain and told me the young men involved ( XXXX-XXXX ) were too young to go to jail. Well, now that we 've suffered financially from all these young people who have acted like vultures with us elders and been thrown out of our primary residence for their financial gains ... I will tell them ... we are too old to sleep in motels, hotels and outside. We have no interest in assisted care ... we would like to enjoy our retirement without going bankrupt and having huge debt. We help elders who live outside because they do not trust anyone. No attorney can know the personal XXXX one goes through when an XXXX loses his tiny piece of land he 's put all his labor into. I scored well in XXXX XXXX and my parents were XXXX. I know XXXX and I had our tiny pieces of land stolen and we 're going to make sure it does n't happen to other folks. Since we are XXXX, XXXX and poor ... .we are the perfect target for these greedy paper pushers ... brokers banks and servicers. When will it ever end?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Airmont, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-08

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I have been working with clients for 8 months, trying to obtain a discharge of mortgage for a loan that was paid off in XXXX. The home equity loan was originally obtained in XXXX. We have followed HSBC 's procedure which requires we submit all information via email to the lien release department. This information has been submitted no less than 20 times. We are not able to get any response, we can not get a phone number to speak to someone directly in this lien release department. We have {$40000.00} being held in a title company 's escrow account awaiting the discharge. Without the discharge of mortgage, we are unable to obtain release of the {$40000.00} being held from the sale of this property. It is ridiculous and highly unprofessional of HSBC to blatantly ignore our requests.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Bissell, CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Gilchrist, OR

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Long Grove, IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-07

Arco, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I had a HSBC mortgage which I paid off in mid 2016. I had online access to my mortgage statement prior to payment of my loan but afterwards, I no longer have online access so unable to get tax statements. I 've called twice. HSBC refuses to provide paper statement and unable to provide me online access. I 've spent 2 hours in total over 2 calls and still no resolution.
Company Response: Closed with explanation

Disputed: No Timely Response