Date Received: 2018-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a phone call from XXXX XXXX XXXX XXXX on XX/XX/XXXX informing me that I owed a debt on a credit card from XXXX. I have no recollection of this credit card and when asked for some proof that this was actually my debt, I was told to call the original bank that held the card. XXXX e-mailed me a letter that gave me the original account number for the account and their representative gave me HSBC banks phone number. I called the bank and was told that account has never existed. When I called XXXX back to find out what was going on, I got lots of excuses as to why I did it wrong and how the account number may be wrong. The representative got to yelling and being ugly with me so I ended the call. He then took to calling me repeatedly and finally left a voice mail threatening to sue me for the money. As it is, all I asked for was proof that the bill was mine. I was informed he doesn't have to show me anymore proof than a letter that lists the account number and original creditors name, that he wrote up himself.
Company Response:
State: MO
Zip: 64012
Submitted Via: Web
Date Sent: 2018-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-18
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: To summarize what follows: HSBC took a month to complete a balance transfer, even though their only communication with me regarding a time frame for such a transfer predicted 7-10 days. They have stonewalled my complaints, even though I lost money in this time period in the form of interest. I also experienced a lowering of my credit score, because HSBC posted the transfer to my account the day I requested it, despite not paying the other credit card company; my utilized credit doubled. I am looking for new housing, and lowering my credit score has made this process more difficult than it should be for me. After it is completed, I want to have this balance transfer forgiven in full by HSBC, to make up for the money and credit lost due to their delay and false communications.*****************************************************************************************************I initiated a balance transfer from HSBC to XXXX on XX/XX/XXXX. The attached email confirms this transfer, and states that it should have been completed in 7-10 days.After almost a month without the transfer being sent from HSBCeven though they charged the balance to my account immediatelyI called to ask what the delay was. I then was told on XX/XX/XXXX that I would receive a status update for my inquiry on XX/XX/XXXX.After not receiving an update, I called back on the XX/XX/XXXX, and was transferred four times to reach my original customer service representative, with ID# XXXX. He told me that HSBC sent the transfer to XXXX on XX/XX/XXXX, exactly 28 days after my request. He stated that it is HSBC's policy to send balance transfers within 28 days.Nowhere in the terms of service is there a 28-day window for balance transfers. The only guidance is in the attached email, giving a 7-10 day window. I then asked to speak with the balance transfer team. He said that he does not know the phone number, he does not know anyone who knows the phone number, and he does not know any way to send me to someone who knows the phone number. I then asked him to have his supervisor call me, to which he responded that it would only take one minute on hold. I waited for nearly half an hour before hanging up and writing this complaint.For the reasons in my first paragraph, this delay is directly contrary to HSBC's communication with me and has severely inconvenienced me financially and through my credit. Once XXXX receives the payment, I want the transfer to be credited to my HSBC account in full.
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2018-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX , XXXX. ( SPS ) and XXXX XXXX XXXX ( Beneficial ), is in violation of conspiracy to commit fraud, deceit, falsification of documents and misrepresentation. Complaint # 1 : On XX/XX/XXXX and XX/XX/XXXX, I received a response concerning a CFPB complaint from both XXXX and Beneficial ( see attached ). Within those responses were copies of a document, entitled Loan Modification, dated XX/XX/XXXX. The ONLY signature on the document was my deceased fathers, which he dated XX/XX/XXXX. My deceased mothers signature block contained the word Deceased. In addition, the document included a stamp on the first page that stated, Received XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. On XX/XX/XXXX, I received correspondence from SPS which contained what appeared to be the same Loan Modification document which I received copies of from XXXX and Beneficial on XX/XX/XXXX and XX/XX/XXXXrespectively. However, upon further review, I could see how it had been fraudulently altered and/or falsified/backdated. The similar Loan Modification document I received on XX/XX/XXXX now contained two additional stamps. One stated, Received Inter-Office Trailing XX/XX/XXXX Capture Center XXXX, FL and the other stated, Vice President and Asst. Secretary, Administrative Services Division of XXXX XXXX XXXX. In addition, this copy of the document now contained the unreadable signature on the Lender signature block, which was dated XX/XX/XXXX ( see attached copies ). I can only assume these documents were altered sometime after XX/XX/XXXX and XX/XX/XXXX ; more than two years after my father signed the document on XX/XX/XXXX. Therefore, I deem this fabricated document as null and void. Complaint # 2 : On XX/XX/XXXX in correspondence I received from SPS, they give and address for XXXX XXXX XXXX XXXX ( Alleged Owner of Note ) as XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. This contradicts the address XXXX provided me in correspondence dated XX/XX/XXXX. In that correspondence they stated the address was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Attention : XXXX XXXX XXXX XXXX. Complaint # 3 : In numerous correspondences from XXXX they state, Your assigned Relationship Manager is XXXX XXXX. I have yet to hear from this person via telephone or in writing and preliminary investigation indicates that she is not who XXXX states she is. Complaint # 4 : On XX/XX/XXXX, I received correspondence from XXXX stating they are, based on a business decision, unable to provide assistance. Not sure what prompted them to think I want or need their assistance. In fact, in my Complaint XXXX, dated XX/XX/XXXX. I advised them I have repeatedly attempted to request information regarding this account, which has only been met with non-compliance, insufficiency, vagueness, and misrepresentation and unconscionable deceit. Therefore, I have little interest in any work-outs regarding this account until such time it can be proven to me that the alleged obligations you claim are legal and enforceable. Therefore, at this time, I rescind all verbal and written offers to cure this alleged obligation. I fully dispute the validity of the alleged debt, ( current and future ), regarding account number XXXX, as claimed by XXXX XXXX XXXX , XXXX and any associates. I have never sought approval of any modification and had never sent them an application for approval of a modification. I can only assume XXXX is attempting to receive Federally Funded Credit for the false attempt. I have identified many more discrepancies during the course of my investigation that will be revealed at a later date. XXXX and Beneficials unethical and seemingly fraudulent behavior continues unchallenged by the appropriate authorities.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to HSBC. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from HSBC, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.
Company Response:
State: TX
Zip: 76901
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX - Messages were left for me on my voicemail regarding a legal action including the filing of a lawsuit and a complaint with the court for possible pending actions filed against me. They included a phone number and a file number. They also called my fathers law office, stating that I had requested legal documents that had been undeliverable, with the same name, phone, and case number. I contacted them and was told that a credit card I had opened in XX/XX/XXXX was in question, for an amount over {$2000.00}, and that the legal department had sent a packet with a settlement amount and details about what would happen should I NOT pay that settlement amount ( they would take me to court ). The address they had I have not lived at in 14 years, so I was put on hold to " discuss with the attorneys '' if I could have an extension since I hadn't received any paperwork. " The attorneys '' said yes, but I had to pay {$800.00} today if I didn't want them to take me to court. I don't remember ever having this credit card, and felt really upset about having to settle TODAY. I asked for paperwork containing my signatures, account info, etc., and was told that the collection agency did NOT have that information, it would be my attorney 's job to request in the discovery phase of the court case, which would come down on me hard and fast if I didn't pay today. They would, however, send me an email with the creditors and the collection agency 's information. The refusal to share any kind of paperwork or get me in touch with the financial institution itself were cause for concern. I told XXXX that I would need some time today to think about it, and was shockingly told I had 30 minutes or the offer was invalid. I told her I'd call back upon receiving the email, which had basically ZERO information about the creditor or the collection agency. It did provide an address but I was unable to validate that or the company name. I decided to take matters into my own hands and I called the creditor ( a banking financial institution ) and was told that the account number I had been provided was not one of theirs, nor could they find my name or social security number in any of their files. Moreover, they wouldn't have waited 14 years to attempt to resolve. Guys, I almost fell for it. Of COURSE I'd rather pay {$800.00} than go to court, have that on my record, and pay over {$2000.00} plus attorney fees! The tone the agent got with me when I started asking questions was shocking - very rude and defensive. She kept telling me " It is not my job to provide you with anything. It is my job to collect on behalf of my client, if you want to go to court, I don't care. You now have 23 minutes to make your decision. '' etc etc. Further, they had my name listed incorrectly, told my father on the phone that they were from XXXX XXXX XXXX trying to deliver a package and requesting my address, but never mentioned anything about that to me. The agency information on the email they sent me : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. Phone : XXXX The phone calls I received were from UKNOWN and the call back number was : XXXX. Messages were from a XXXX but XXXX XXXX is who I spoke to. The creditor I was accused of having was : HSBC. I have screenshots of everything as well as the letter I was sent, the voicemail, etc., that I am happy to provide.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Woman named XXXX XXXX called approximately 8 family members threatening " Service '' if I did not respond within an hour. She was very rude and demanding of my family members. She also shared personal information to at least one member. I do not know their process for contacting supposed family members, however if they shared this with one person who else did they share it with. Additionally they refused to name who they were beyond a collection agency. They then called me ( AFTER calling all the members in my family ) from XXXX leaving me a message telling me to contact XXXX to set up payments. When I called this number it was a generic answering machine. I advised them that they are not allowed to threaten me with legal action and that if they wish to serve me they should have my address on record if they are a legitimate company.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2018-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an HSBC advance checking account around XX/XX/2018 after receiving the Direct mail promotion which says if I deposit XXXX. I will get cash {$350.00} to my account. I deposit the money within several days I open the account. Now more than 3 months passed, I did not get the promised money in the promotion ads, which I think it is cheating ads from HSBC. I called the bank and I was told someone will contact me within 5 days. Now more than one week passed, nobody contact me.
Company Response:
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I filed a complaint ( # XXXX ) against HSBC for unlawfully - and without my knowledge, permission, or consent - revoking an ACH mortgage payment agreement I have had for 14 years. Only I can revoke it and I have not. HSBC 's money is in the bank and it is HSBC 's own fault not to use the ACH agreement to collect the funds. I just received via CFPB a response letter from HSBC. It makes no reference to the said complaint number, nor does it address ANY of complaints. HSBC must do so, sooner or later. In its letter, HSBC states " As you know, on XX/XX/XXXX, you were offered a modification trial plan. Your account was set up to automatically debit ( direct debit ) your monthly mortgage payment. However, since trial plan payments can not be drafted via direct debit, we cancelled your direct debit and subsequently notified you via letter dated XX/XX/XXXX ... " HSBC deceptively implies that I was a party to some trial plans. I was not. I did not accept HSBC 's modification offer, let alone its trail plan. Therefore, HSBC had no right to usurp my rights and illegally revoke my ACH agreement. Only I can revoke it. I therefore need HSBC to state what legal authority and justification it had to revoke my ACH agreement without my consent and permission. If it can not, HSBC must fix my credit and compensate me to my satisfaction and respond to my question from the last complaint which I re-state below. Thank you.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX XXXX ( Beneficial ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275. These laws require a mortgagee ( Beneficial ) to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. Beneficial has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, Beneficial states, The loan was sold and transferred to XXXX effective XX/XX/XXXX. XXXX states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and XXXX is the mortgage servicer. If the loan was sold, as Beneficial states and XXXX confirms, Beneficial is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If the erroneous mortgages were transferred/assigned to XXXX, as Beneficial also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by Beneficial to XXXX, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both Beneficial and XXXX remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since Beneficial has sold and transferred the aforementioned mortgages without adhering to established law.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX has two open collection accounts on my credit report that is old debt that they continue to resell/renew to maintain open status. Also XXXX XXXX continues to call multiple times per day to my home, my cell ( never provided them the number to any of the following ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple people have asked them multiple times to stop calling, but the calls continue. I have blocked multiple numbers but to no avail they just call from another number. They are harassing me and my family over debt that is old.
Company Response:
State: SC
Zip: 29349
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A