Date Received: 2018-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from a 3rd party debt collector who was attempting to collect a debt of XXXX. on or around XX/XX/XXXX. I wrote a response and mailed it XX/XX/XXXX certified mail asking for more information about the debt before further collection attempt be made. the letter from the debt collector showed the last date a payment was made on this account was on XX/XX/XXXX. In Washington state the Statute of limitations to collect is 6 years per ( RCW XXXX ) I stated in my letter if in fact this debt was mine it would be to old to collect by law. The Debt collector didn't provide any information that I requested via my response letter sent certified mail, and in turn sold the junk debt to another collection agency. this should be a direct violation of the law per FDCPA. Thank you for reading my complaint.
Company Response:
State: WA
Zip: 98271
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: As of XX/XX/XXXX, I continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX. My mother passed away in XX/XX/XXXX and my father passed away in XX/XX/XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XX/XX/XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' On XX/XX/XXXX based on a hardship request I made to Beneficial, I was conditionally approved for a short payoff through their loss mitigation process. Very shortly thereafter, I was I was then later notified by Beneficial that my father 's loan was transferred to XXXX XXXX XXXX , XXXX effective XX/XX/XXXX, and subsequently transferred to XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. Beneficial did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to XXXX without interruption. This was later confirmed by XXXX on XX/XX/XXXX via their follow-up notification. Information requests to Beneficial, as recent as XX/XX/XXXX, including a Qualified Written Request, have gone unanswered by Beneficial. How is it possible for Beneficial to transfer the servicing of my parent 's loan and subsequent sale of their loan to investors during the loss mitigation process? Although Beneficial stated XXXX would honor the existing loss mitigation agreements, XXXX has neglected to do so. Beneficial is conducting business in a fraudulent manner which places further hardship on homeowners when trying to resolve issues in a lawful manner.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Over the last two weeks I have spent hours on hold and never gotten a live person to tell me the status of my credit application.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: The Credit Card Company is HSBC. 1 ) They promised me checks so that I could transfer $ $ from my XXXX XXXX HELOC to HSBC after my account was approved. Check were supposed to arrive XX/XX/XXXX -- never arrived. 2 ) So I began the Transfer with XXXX XXXX ... .money finally got over in early XX/XX/XXXX. All good so far. 3 ) On XX/XX/XXXX, HSBC charged me {$230.00} for what they call a " Transaction Fee '' for the Transfer ( 4 % ) My dispute is nobody ever told me I would be charged a fee ... .its buried in their disclosure. My purpose of moving the money was to avoid interest at XXXX as HSBC is interest free for 18 months. Well this {$230.00} ( a hidden fee to rip off people like me ). I want the {$230.00} fee waived as its a shameless move to rip off users.They need to be more upfront. I would not have moved the $ $ had I known it would cost $ $ . Plus, if I had the checks they promised, I could have just written a check ( I stilll have not received the checks they promised me. NOTE : Their Customer Service is terrible as well
Company Response:
State: CA
Zip: 94947
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.
Company Response:
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My ex-husband & I filed chapterXXXX bankruptcy in XX/XX/XXXX, the 2nd mortgage on our house was in it through Beneficial Finance. I am now trying to sell that house since my mother died & I am now living in her house. When the title search was done, the mortgage for Beneficial is still showing. As far as I know it was paid for in the bankruptcy which was discharged on XX/XX/XXXX. Beneficial was bought by HFC, then HSBC. I called HSBC on XX/XX/XXXX, I was transferred 3 different times until was given the # XXXX. When I called they were closed. I called again on XX/XX/XXXX, and they were still closed. on XX/XX/XXXX I called again & talked to a XXXX that told me to send the title search & a recorded mortgage with my county. That was done XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX. There was no response. The title Co. & I each tried calling them to see what they found & we each got the recorded message that the office had been closed. The message also had an address to send correspondence, but no phone number to reach them. on XX/XX/XXXX we send another title search & recorded mortgage to them. With still no response. Since I am living in my parents house already & can't sell my old house. This is creating a financial hardship on me. I would greatly appreciate it if you can help me.
Company Response:
State: IN
Zip: 47909
Submitted Via: Web
Date Sent: 2018-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I an entry on my XXXX Credit Report about a {$250.00} debt to HSBC ( Acct # XXXX ) which appears to be in collections. I do not own such debt and it does not appear in my other credit reports.
Company Response:
State: KY
Zip: 40515
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/2018 I was called on my mobile phone number by an " UNKNOWN NUMBER ''. The caller left a message as such : " This message is intended for ( First name, last name - both correct ), my name is XXXX XXXX contacting you about a complaint in my office being considered for legal action. Contact the firm at XXXX with any questions or concerns regarding case # ( 6 digit number ). No contact may result in a decision perhaps made without your consent. '' I dialed the number and a young lady asked to confirm my case number and then read me that last 4 digits of my social security number to confirm my identity. She stated that the company was going to file a judgment against me on behalf of XXXX XXXX XXXX for a debt that I owed. ( That debt is over 10 years old and the Statue of Limitations has passed and the amount was very small ). I asked her the name of her company and she stated " XXXX XXXX XXXX ''. I asked her if they were a collection agency or attorney firm and she couldn't answer the question so I asked to speak to an attorney there. She put me on a long hold and finally a man named XXXX XXXX answered. I asked him to clarify the name of the company and he refused. When I stated incorrectly XXXX XXXX XXXX, he said, " well obviously you don't hear well because the name is XXXX XXXX XXXX. '' He was extremely rude and I informed him that I didn't feel I owed the debt and that possibly the SOL had expired and he said, " Well, since you are a CSI guy and watch television you think you know the law now '' I informed him that I was well aware of my rights and the nature of the FDCPA and that I believed he was in violation. I asked the address where he supposedly sent the demand letter with all supporting documentation. The address he gave has never been an address at which I lived or worked, nor is it an actual address in any of the places I have ever lived. I asked to speak to an attorney there and he said one had not been assigned and that I was wasting his time and that I wouldn't get to speak to an attorney. I asked him if my attorney called would my attorney get to speak with an attorney. He became extremely rude and stated that he was busy and I was wasting his time. He hung up on me in mid sentence shortly after that. Additional calls were more of the same banter - I tried inform him that his company name was not listed as a company with the CA Secretary of State and he said that was my problem for not know how to use a computer and again was extremely rude. He stated I was harassing them for trying to get clarification. After research online, it seems that this company has many complaints from other consumers on various telemarketing bulletins boards and complaint sites that they never have the correct information and threaten legal action to collect money. Here are some examples : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: HSBC credit card are accusing me for a transaction that I didn't make. There system are posting wrong dates on my transaction and its there job to double check not mines. the transaction made on XX/XX/XXXX beside XXXX are considered to be a frad, and wrote on their paper statement that we aren't reliable with any frad transaction and they are dening this!!! HSBC is being very unprofessional no wonder nobody really talk about this company ... I have been with them for only 2 months or so and they are doing a horrible job already. what a good way to welcome a customer
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: My account was incorrectly targeted From XX/XX/2017 to XX/XX/2017 My account is at hsbc Hsbc authorize consecutive payments To XXXX XXXX XXXX from my accont without my consent and refuse to return my funds to my account Its a total of XXXX dollars
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A