Date Received: 2018-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am receiving harassing fraudulent calls from XXXX XXXX ( XXXX ) threatening legal action against me for a debt I paid off years ago. The representative identified himself as XXXX XXXX. I have all documentation confirming satisfaction of debt and want to report this organization.
Company Response:
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Money was not available when promised
Subissue:
Consumer Complaint: We have sent XXXX of US {$250000.00} from XXXX to XXXX XXXX against purchase of goods as on XX/XX/2018. The fund was remitted from XXXX XXXX XXXXXXXX, XXXX to XXXX XXXX XXXX USA, further transferred to XXXXXXXX XXXX XXXX XXXX, they further transferred to HSBC USA for transfer to HSBC XXXX XXXX for final credit to beneficiary. It's already 23 days now, we are following every night from XXXX & XXXX XXXX, but not getting any response from HSBC USA, who holds our fund from 23 days. Neither they have intimated the sender nor to beneficiary, the reason to hold. We are attaching herewith copy of BOI-USA requesting XXXX XXXX to follow up with HSBC-USA AND also copy of earlier reply from XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX. Even we have tried to contact XXXX XXXX XXXX & HSBC USA directly on phone, but they have denied to reply on any of our query. Kindly do the needful. Thanks.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I enrolled in a {$200.00} bonus enrollment offer and have completed all the requirements for the bonus but have not received the bonus.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Complaint : XXXX XXXX failure to specifically and sufficiently respond to consumer 's notice of error or information request or qualified written request or CFPB complaints. Attn : XXXX XXXX, Relationship Manager, XXXX XXXX, Consumer Ombudsman Specialist, XXXX XXXX, Ombudsman Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax XXXX Account # XXXX RE : Notice of Error or Information Request or Qualified Written Request Please respond to the following errors and/or request for information : # 1 In a letter dated XX/XX/XXXX XXXX states, " We determined that we are unable to assist you in this proposed arrangement because pursuant to the servicing agreement governing this account, the owner of your mortgage has a right of approval and has denied this option based on a business decision. '' What proposed arrangement is XXXX referring to? Please provide copy of the section of servicing agreement that prohibits such arrangement. Note that just a day prior on XX/XX/XXXX, I received a letter that stated, " XXXX, the mortgage servicer on the above referenced account, is currently reviewing your request for options to resolve the delinquency on this account. '' # 2 XXXX failed to respond to the following concerns regarding CFPB # XXXX : In a letter from XXXX on XX/XX/XXXX, XXXX states, " To reiterate, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' If that is the case, please explain why on the latest Mortgage Statement under transaction activity, there is a line item titled Taxes & Insurance. The amount is {$1200.00}. On XX/XX/XXXX XXXX paid taxes in the amount of {$1100.00} ( on wrong property per note and mortgage ) for a difference of {$110.00}. What was the additional {$110.00} for? Insurance? In addition, there are " other fees '' listed for XXXX cents and " expenses pd by servicer '' in the amount of {$160.00}. Please provide account history detailing all charges for account # XXXX with justification. # 3 The following concerns noted in CFPB # XXXX were not addressed in XXXX 's latest response dated XX/XX/XXXX : A ) Loan Modification ( dated XX/XX/XXXX ) falsification allegations, B ) Conflict of information regarding address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Which is it? C ) Role of Relationship Manager XXXX XXXX. Why have I never heard from her? # 4 In a response from XXXX dated XX/XX/XXXX, XXXX states, " In your inquiry, you state that we do not have the correct legal description for the subject property. XXXX appreciates you pointing this out and has referred this issue to the appropriate department for research and if necessary correction. '' What is the current status? What is the legal description in the note and mortgage XXXX is attempting to collect debt on? What is the address of the property XXXX is attempting to collect debt on? What deed is attached to the property that XXXX is attempting to collect debt on? # 5 In a response from XXXX dated XX/XX/XXXX, XXXX states, " The account was modified onXX/XX/XXXX ( Enclosed ). '' Besides the fact this document was allegedly fabricated, the Loan Modification Agreement itself under any circumstance precludes the assumption or assignment of the modification agreement ( Modification Agreement, section G. titled Loan and Agreement May Not be Assigned ). The Loan Modification Agreement is null and void. As I have previously pointed out, the recorded notes and mortgages fraudulently established and sold by XXXX XXXX XXXX to the alleged new owner/noteholder, and now serviced by XXXX, are severely deficient and unenforceable. I continue to dispute all alleged debt associated with account # XXXX. XXXX XXXX XXXX XXXX and XXXX as servicer continue to try to enforce an unenforceable and erroneous obligation. To date, they have erroneously paid property taxes, conducted erroneous inspections, including a Broker Price Opinion and threaten foreclosure on a property they have no legal security interest in. Besides legal ramifications based on the above allegations, please allow me to remind XXXX of it's RESPA obligations regarding Notices of Error or Information Requests or Qualified Written Requests.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect XXXX is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on XXXX in Texas.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Last year I tried to close my COD account with HSBC and after several tries, I gave up and just let it be. However on XX/XX/XXXX, I finally followed up again and closed my COD account with them. They said they would issue a check via XXXX within 5 business days. I still haven't received my check and its XX/XX/XXXX. After 3 follow up calls and a call to XXXX XXXX, HSBC has no clue where the check is and only realized this on the last call. They were unwilling to take necessary steps to call XXXX and find out and give me a status and asked me that I need to call XXXX for this. They were so quick to close my account but where is my check for $ XXXX? I called them again today and now they can't find it and they are re-issuing the check. However they told me that they will call me back on Friday to find out if there are any further issues. Why is this taking so long? Its been almost 2 weeks that I haven't received my funds. How can a bank pass any of their key controls if they can't even pay back their customer deposits?
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2018-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have lived in our home for 34 years. We made a Loan with XXXX XXXXXXXX / HSBC in XX/XX/XXXX of {$100000.00} HSBC was the Lender & the Loan Servicer. Each month we would receive a " statement '' from HSBC to make our payment. The payment was {$740.00} In XX/XX/XXXX we filed for Chapter XXXX Bankruptcy in XXXX, MO with Attorney, XXXX XXXX XXXX. HSBC was NOT included in the Chapter XXXX Bankruptcy, as we were prepared to make our monthly payments to HSBC as usual. HSBC was notified of this. We paid off the Chapter XXXX in XX/XX/XXXX Since XX/XX/XXXX HSBC ceased ALL communication with us. HSBC sent NOTHING No " statements '', No mail, No phone calls, nothing. We tried calling HSBC for over 6 months We tried to find out where to send payments, but every phone call to HSBC was met with " we can not talk to you about your account while you are in Bankruptcy ''. We wrote letters to HSBC with no replies from HSBC. Our Bankruptcy Attorney, XXXX XXXX XXXX, called HSBC and was met with the same answer. Our Bankruptcy Attorney XXXX XXXX XXXX, told us the HSBC will contact us after the Bankruptcy is finalized. We paid off our Chapter XXXX in XX/XX/XXXX and still " nothing '' from HSBC. It has now been " over 10 years '' since our last communication with HSBC and we received a " notice of Foreclosure '' from HSBC. It is then I contacted Foreclosure Attorney, XXXX XXXX. HSBC has since sold the Loan to XXXX XXXX XXXX, who has filed Foreclosure. XXXX XXXX XXXX has since sold the Loan to XXXX XXXX, who has filed Foreclosure. XXXX XXXX XXXX has tried to have us evicted. Our Attorney, XXXX XXXX, had the Court set a Trial By Jury for XX/XX/XXXX. XXXX XXXX XXXX has since filed a Unlawful Detainer. XXXX XXXX XXXX informed our Attorney that they may settle for apprx {$65000.00}. Knowing that we can not get a Loan while under Foreclosure. We have no other avenues, as we are on Social Security now. . To me : HSBC was supposed to be the Lender & Loan Servicer, but has since turned into a Loan Collector and aggressor. There is nothing in our Loan agreement that states HSBC has the right to cease ALL communication & not continue to send statements for us to pay the loan. HSBC caused the loan to go into Foreclosure and made demands " after 10 years '', knowing full well that we as the Borrower did not have sufficient funds to pay the loan off. Our rights as a borrower has been denied by HSBC & has caused " irreparable harm '' to our credit, home and livelihood. HSBC has committed fraud on us, as the borrower. The methods used by HSBC was fraudulent, and designed to obtain a Foreclosure which goes against many Lender / Borrower rights & laws of the State of Missouri. Had HSBC kept with our agreement and made contact with us, instead of denying contact, we would still be making our loan payments and not be in the position HSBC has put us in. We contend that HSBC never intended to service the Home Loan in good faith and instead became the collector / aggressor to make the loan move into Foreclosure thru fraud. Why else the NO communication, phone, mail or any other means from HSBC? Why else the " over 10 years '' of NO communication, phone, mail or any other means from HSBC? We have continued to pay our Home Insurance & Home Taxes every year. We also contend that XXXX XXXX XXXX and XXXX XXXX has NO stake in the ownership of the Loan or our Home, because of HSBC failure to Service the original Loan and having NO contact for over 10 years with us, HSBC has yet to offer any excuse. XXXX XXXX XXXX should have accepted HSBC & XXXX mistakes & we should be the " Plaintiff '' & should have the right to sue them for all this XXXX. We were always prepared to make the Payments as agreed, but " how could we ''? ... ..They would not talk to us or even offer to start making payments.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower doesn't need, doesn't want or can't afford. This is exactly what XXXX XXXX XXXX XXXX ( Beneficial ) is guilty of in the case of my now deceased parents, XXXX and XXXX XXXX. CFPBs job is to protect consumers from this type of abuse when it is reported. I ask that CFPB hold Beneficial, XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX accountable for their unconscionable actions. Although too late for my parents, I hope appropriate action by the authorities will prevent thousands of other consumers from being financially destroyed by these unscrupulous and repulsive financial and servicing institutions. Background : On XX/XX/XXXX loan # XXXX was established between XXXX XXXX XXXX XXXX in the principle amount of {$32000.00}. The term of the loan was for 180 months with an astonishing high interest rate of 17.895 % ( Risk Based Pricing ). After reviewing the documentation regarding this loan provided by Beneficial, I have discovered the following unethical, or even perhaps illegal discrepancies. Discrepancy # 1 : Beneficial states, Please note that we are unable to provide the origination Appraisal for loan # XXXX ( formerly XXXX ) as it is not available. Therefore, Beneficial unethically lent money to a consumer without an appraisal for a property they were seeking a security interest in? I constitute that as predatory, or at least negligent. Discrepancy # 2 : On the Loan Repayment and Security Agreement ( Page 1 of 3 ), the property address is listed as XXXX XXXX, XXXX, NY XXXX, with the loan number being XXXX. This is neither the correct loan number nor is the property address zip code for XXXX XXXX, its XXXX. Note Beneficial states, You are giving us a security interest in the real estate located at the above address. This cant be the case, as that address does not exist. Discrepancy # 3 : The Truth-In-Lending Disclosure ( Page 1 of 2 ) contains the wrong address and loan number. Also, the Annual Percentage rate is an astonishing 19.001 % ( predatory ). Discrepancy # 4 : Loan Summary page contains the wrong property address. Discrepancy # 5 : XXXX XXXX credit report contains the wrong birthdates of both my parents. They ran a report for my father as XXXX XXXX. His name is XXXX XXXX, not XXXX XXXX and wrong birth date. They even disregarded four ( 4 ) XXXX alerts on the report. Instead of running a credit report for my mother ( co-signer ), they erroneously ran a credit report for a XXXX XXXX. The report had wrong name, wrong SS #, wrong birthdate and wrong address. Discrepancy # 5 : The Good Faith Estimate ( Page 1 of 2 ) did not disclose all charges. In all, they were charged {$1800.00} of excessive fees. Discrepancy # 6 : Title report was ran by XXXX XXXX XXXX XXXX XXXX on property with Deed dated XX/XX/XXXX, recorded XX/XX/XXXX, XXXX XXXX, Page 770. This is the legal description used in both the note and mortgage filed in XXXX County, NY. On XX/XX/XXXX loan # XXXX ( which is crossed out and replaced with XXXX ) was established between XXXX XXXX XXXX XXXX in the principle amount of {$62000.00}. The term of the loan was for 240 months with an astonishing high interest rate of 11.540 % ( Risk Based Pricing/Loan Flipping ), with the following discrepancies : Discrepancy # 1 : Loan Repayment and Security Agreement ( Page 1 of 3 ) contains the wrong property address. Again, they state, You are giving us a security interest in the real estate located at the above address. Thats impossible, because it is incorrect. Discrepancy # 2 : The Truth-In-Lending Disclosure ( Page 1 of 3 ) contains the wrong property address. Discrepancy # 3 : The Loan Summary contains the wrong property address. Discrepancy # 4 : The credit reports ran contain the wrong birthdates of my parents. XXXX alerts were discarded. Discrepancy # 5 : The Good Faith Estimate contains the wrong property address, as well as discloses misleading, repetitive and excessive fees that my parents were charged for just six months earlier. Discrepancy # 6 : The Settlement Statement contains the wrong property address and charges my parents an astonishing {$4100.00} in settlement charges. This totals a sum of {$6000.00} in charges over a six-month period. Discrepancy # 7 : Title report was ran by XXXX XXXX XXXX XXXX on property with Deed dated XX/XX/XXXX, recorded XX/XX/XXXX, XXXX XXXX, Page 770. This is the legal description used in both the note and mortgage filed in XXXX County, NY. Discrepancy # 8 : The Uniform Residential Appraisal Report does not match the legal description of the deed ran by the Title Company. Also, it only states the address as XXXX and later in the report as XXXX XXXX. XXXX. Discrepancy # 9 : The Mortgage and Consolidation Agreement attached contain the wrong property address. The zip code for XXXX is listed as XXXX. XXXX zip code is XXXX. Discrepancy # 10 : The Optional Credit Insurance Disclosure contains the wrong address. The loans listed above were then consolidated by Beneficial on XX/XX/XXXX in the sum of {$110000.00} and riddled with similar discrepancies and fraudulent behavior, which I have previously reported to no avail. After my parents passing, Beneficial fraudulently sold these deficient and unenforceable loans to XXXX XXXX XXXXt XXXX by XXXX XXXX XXXX XXXX, XXXX and transferred the serving to XXXX. XXXX and XXXX continue to try to enforce these unenforceable loans and threaten my parents estate with foreclosure. I would like to see the appropriate action taken against these institutions and for them to admit their wrongdoings and cease and desist their present actions. It is obvious Beneficial partook in predatory, unethical and fraudulent behavior and took advantage of my parents unsophisticated and uneducated financial literacy. Beneficial has the documentation I have cited, as they provided it to me. They need to be held accountable, cure the loans with XXXX and discharge the erroneous records filed in XXXX County, NY Land Records. As such, on behalf of my parents estate, I continue to dispute all alleged debt associated with XXXX account XXXX. I am fully prepared to litigate this matter should it become necessary.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is the letter I wrote to the CEO of Retail banking for HSBC ( XXXX XXXX ) after not making progress with the customer service center. It explains the situation in detail. I have heard nothing back from the bank since and have been unable to recover my {$25000.00} that was lost to the bank 's error. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, I am writing to you to inform of you a very distressing experience with HSBC US. I am a Premier Customer who is going through a very bitter divorce. I looked at my accounts on my mobile app Sunday XX/XX/XXXX and discovered $ XXXX had been transferred out of my savings accounts into my ex-husbands XXXX account without my consent. I immediately raised a fraud concern. This conversation was horrendous, the rep continuously talked over me and was very unhelpful, I could not understand how this had happened and was deeply distressed. I kept asking how is it possible for my ex-husband to get access to my savings accounts? The rep assured me someone would call me back. No one did. I called back the following day to discuss further and got through to another rep ( who also talked over me! ). This rep informed me the savings account in questions was a joint account. This was a HUGE surprise to me. Back in XX/XX/XXXX I went into the XXXX XXXX branch of HSBC to open accounts in my own name to protect my assets from my soon to be ex-husband. I told whoever it was I spoke to what the situation was and that I needed help protecting my money from my ex as he pays nothing towards my XXXX daughters welfare. I was told I needed to open a new checking account and close the joint account which I did. I was also told I DID NOT need to open a savings account as I already had on IN MY NAME only. I categorically remember asking them to confirm this as I am sure you can appreciate how important it is for me to have protection of my assets. When I was told by one of your reps today that it is a joint account I nearly fainted. I ask why I would put all my money into the one place he can get access to. As far as I was informed by HSBC it was not a joint account, it was my account solely in my name. Because I was misinformed I am now $ XXXX less well off, money I need to cover the costs of raising XXXX children alone in XXXX. There is a clear paper trail to identify all of that money as my money earned as part of my bonus for the year of XX/XX/XXXX, a year I lived alone with my XXXX children with no financial support from their father. Money he has now been able to help himself to because HSBC made a BIG mistake. Once I realized HSBC has made this error instead of helping me I have been made to feel like I am on trial if you listen to your calls you will hear the countless reps I have been passed around too literally saying its your word against ours. No one has listened to me, no one has offered to help. I see this as a fundamental error of HSBC misinforming me when I categorically ask for help to protect my assets from my ex-husband. I have enclosed screens shots from your HSBC website of my savings account as well as listed contact information nowhere showing my exs name and hence no reason for me to not believe the rep in your XXXX XXXX branch that confirmed that my account was in my name only and safe. For contrast, I have also included screenshots of my still existing joint account in the XXXX that does show the name of me and my ex. I would like to kindly ask you to help me. What can HSBC do to help me retrieve that money money I have lost due to a HSBC error, money I can not afford to lose for the sake of my XXXX children? Money I had asked you as my primary bank to help me protect. This transaction is fraud and it is theft as it was taken from my sole account without my consent. It does not matter to me that technically it was a joint account as that technicality is the fault of HSBC.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I initiated 2 ACH outgoing transfers for {$50000.00} each. Meaning {$50000.00} twice + {$100000.00} would go out from my account on XX/XX/XXXX into another institution! I also called a rep to make 100 % sure I did everything right, and was told all is good and it'll leave same day since it was initiated before XXXX Im summary, after the {$100000.00} leaves my account I would only have a few hundred dollars left. However at night a fraudulent judgement ( I never got served, and I have proof I paid for the debt ) took out {$75000.00} from my account causing me to XXXX and take XXXX steps which were prevented by a family member. I called HSBC informing them it's fraud. But there's no one to talk to which is common in the banking industry! What HSBC failed to understand is when a judgement is entered into your account, they can only take the amount that's in the account, even the judgment is for more that doesn't mean the account can now go negative just to satisfy the judgement. In my case HSBC first canceled one of my {$50000.00} outgoing ACH on the assumption it's a mistake, although never called me to ask. Then the {$50000.00} ACH did out out, but only one time {$50000.00} ( and HSBC is fully liable for canceling the 2nd ACH ) and after the {$50000.00} ACH went out from my account this fraudulent default judgement for {$75000.00} went out from my account and HSBC honored it which as a result caused my account to become NEGITIVE. And as a result of my account being negative HSBC suspended my account, my line of credit and my credit card ( which will have a bad impact on my credit ). Then I called HSBC they said the ned to verify my identity and requested identification I TOLD THEM THAT I ALREADY SEND IN ALL THOSES THINGS WHEN I OPNED THE ACCOUNT, AND THEY SAID THEY DON'T HAVE IT so it's good to have on record that HSBC violated the patriot act, and only LATER requesting documents to comply with KYC. And as I write this, I have this fraudulent {$75000.00} out of my account, my account is restricted, line of credit restricted, credit card doesn't work, and I have no idea what's going on, the representatives don't even want to tell me my balance, their accusing me of fraud instead of protecting me in such a situation. AND WORSE OFF ALL, IF HSBC WOULD HONOR MY TWO ACH REQUEST I WOULD OF NEVER LOOSE THIS {$75000.00} ( I might anyways not loose it, as I'm taking an attorney to fight this fradulent t judgement, but unril then I'm out {$75000.00} and this would of never happened of they honored their duty to fulfill my ACH transfers
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A