HSBC NORTH AMERICA HOLDINGS INC

2016-11-07

Atl, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: This is an additional complaint to the previous XXXX. I already a confirmation number. My account was reported to XXXX on XXXX XXXX, 2016 as increase of {$540.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

Lower Makefield, PA

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

PA

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: We have a mortgage with Benefical Finance XXXX We have been attempting to apply for a HARP mortgage because our interest rate with Benefical is 8.8 %. In completing the application for the HARP loan- XXXX discovered that Benefical has never recorded our mortgage payments with the Credit Bureau . In order to have the best credit rating possible, we were asked to have Benefical report our mortgage payments to the credit bureau. They refused, stating that is not their practice and that they would not do so. We need to have our mortgage reported in order to qualify for the HARP loan. I s there any way we can get Benefical to report our mortgage payments. Our mortgage payment is substantial and it would benefit us greatly to have it reported.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-06

CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XX/XX/XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it. Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XX/XX/XXXX ; XXXX added this account back on my XXXX credit report on XX/XX/XXXX ; it states it is paid ; but it is still affecting me. Also as of : XX/XX/XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports. I have contacted XXXX via email on : Twice, disputing their letter written to me on XX/XX/XXXX. Both emails are dated : XX/XX/XXXX I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XX/XX/XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Grover Hill, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-03

Oakland, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Barrett Parkway, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-03

Wallington, NJ

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-03

Columbia, SC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Bradfords Cross Roads, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Rochester, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Franklin Lks, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-02

Palos Park, IL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Since XXXX of XXXX, I have been contacting HSBC for a recorded documentation of a lien release from a loan in XXXX. I have filled out the appropriate paperwork ( see attached document ) and called several times within the month, and they said I had to wait a whole month before they would provide the lien release. This lien release is needed by XXXX XXXX XXXX XXXX to fulfill the requirements for my home re-modification. On XXXX XXXX, I called HSBC on this number XXXX, extension XXXX, and spoke to a gentleman on a conference call with my financial adviser, XXXX XXXX, from XXXX XXXX XXXX XXXX. He said that HSBC did send " something '' to XXXX XXXX, and its most likely the recorded lien release. However, XXXX XXXX told me that it was not the lien release. On XXXX XXXX, I called HSBC and asked them once again to check into my case, and apparently they did not work on it since my initial request in XXXX. THIS is after I called several times asking status, and they said they were working on my request. I explained to them once again, my situation that XXXX XXXX is threatening to foreclose on my home, because they have asked for this since XXXX, and I have not received any documentation. A very nice lady XXXX XXXX said she would get on it, but as you can see from the attached emails, she too can not get a response. When I called the Recorder of Deeds, they said there are two documents that refer to the same lien. Those document numbers are : XXXX and XXXX. They BOTH refer back to the same lien. I have also called HSBC as well as emailed them this information. There seems to be a very callous, uncaring response on HSBC to fulfill what they are supposed to do, without any understanding of the impact on my life. I need my home to live in, for my business and to take care of my elderly mother. I am looking to HSBC to please to submit the satisfaction letter I need, so that this daily threat of foreclosure does not loom over my life everyday and so that my life, is not on hold anymore.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Ravenscroft, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

Bedford Heights, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-01

Lehigh, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-01

Barker, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-01

PA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: My bother passed away on XX/XX/2016. He had a home equity loan on the old family home with Beneficial XXXX. He owed them a little over {$40000.00}. I was named the executrix of his estate. I knew he had a life insurance policy on this loan, but was n't sure how much or what it involved. When I called to tell them about his death, I asked about it. Of course they could n't give me any information. So I faxed them the death certificate and the short form. I did n't hear from them on any resolution to the situation. I had an estate attorney try to get somewhere, because the house is in limbo and they keep adding late charges. The estate attorney after numerous communications and requests for information finally found out that there was a {$60000.00} life insurance on the loan, which is more than sufficient to pay off the loan. I signed the beneficiary forms and they were sent to wherever they had to go. Now I am receiving foreclosure letters ( both registered letters and regular mail ). I am beginning to feel harassed. Plus the late charges now have the loan up to almost {$45000.00}. I really want this matter settled. If anything they owe me {$15000.00} from the life insurance. What can I do?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Bell Canyon, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

VA

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Complaint: I just received a call from a collection agency XXXX who bought an old debt from HSBC and is now threatening legal action. In addition, they called my job and left information with the person who answered the phone in reference to this. This is third party disclosure and is completely illegal.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-30

Tonawanda, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-29

Philadelphia, PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Last year HSBC offered a promotional program to open checking accounts with them and if you maintained a {$10000.00} balance for a certain amount of time ( I think 6 months ) then they would give you {$350.00}. I realized last month that I never got the money even though I participated in the program and maintained the minimum balance. I followed up with them and they ended up correcting the issue and giving me the promotion, however I wanted to submit a complaint in case this is systemic to all of the HSBC clients that participated in the program and people are getting scammed out of money by the bank. Please follow up with an investigation of the bank to see if they are making promises to clients and then not following through.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Columbia, SC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

E Meadow, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Garrett Park, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response