Date Received: 2017-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX first appeared on my credit report and at the register of deeds office in XXXX county N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with XXXX, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX. How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt. I only became aware of this so called XXXX lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed XXXX from my credit reports. XXXX then contacted XXXX and requested a " Quit Claim Deed ''. After his initial contact with XXXX Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue. I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where. Can you help me resolve this issue without being taken advantage of? Please and Thanks
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX2017 I walked into an HSBC branch to change my last name to my married name. The banker assisting me, XXXX XXXX, attempted to upsell me on various HSBC products including a Savings Account, a Credit Card and Overdraft Protection. I agreed to change my account from Advance to Premier and open the Savings Account but declined the Credit Card and Overdraft Protection. He then sent me to a link to a website to open on my phone to digitally sign. On my phone 's screen it was nearly impossible to make out what I was agreeing to. Verbally, he assured me we were just opening the Savings Account. To my surprise, I opened my account the next day to see that a credit card was opened in my name. I called XXXX XXXX who assured me it was a soft pull on my credit report. When I did some more investigation, I discovered it was in fact a hard pull and when I called him back he denied ever saying opening a credit card would be a soft pull, let alone that he deceived me into signing up for a credit card I never agreed to. I attempted to resolve the issue through the bank but XXXX XXXX 's manager attempted to sell us on the benefits of the card and then a few days later, the bank performed a perfunctory investigation where they printed out the pages I digitally signed without acknowledging that XXXX XXXX had convinced me I was signing up for a Savings Account and not a credit card.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2017-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I went into an HSBC bank to change my name after I got married. While there, the banker told me he would send the forms to my phone. I clicked and signed where he told me to sign. A few days later, I checked my account and saw that a credit card was opened in my name. I called the banker and he said we had discussed opening the card even though that never took place. He then told me not to worry because it was a soft pull. My husband called the banker, XXXX XXXX, later who then changed his story to say it was a hard pull, not a soft pull. We tried to resolve the issue through the bank but they are saying there was no error. The bank manager even tried to convince us to keep the card because the benefits are so worthwhile.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2017-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Hello, Yes, I took out a loan with HSBC back in 2005, which I have not paid back in full, but have since found that fraud occurred with HSBC charging me a higher interest rate than was allowed, due to the rigging and of Libor interest rate. The loan was through XXXX XXXX in XXXX, Ohio. Thank you.
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2017-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX is trying to pull a fast one on me. They are well aware that we are under a " Federal Bankruptcy Order '', and they keep attempting to make us pay. We moved from the Home at XXXX XXXX XXXX, XXXX, GA XXXX, in XXXX 2017, and notified Beneficial. They initial agreed to do " A Deed In-Lieu of Foreclosure '', with us, and Ordered an Appraisal, which the value of the home was more than what was owed on the home, as it was at the time of the Appraisal in Excellent shape, I took pictures as well as the Appraiser that Beneficial sent out to do the Appraisal, and they are time dated. Beneficial lied about a " Lien '' being on the Home, which was Avoided/Dismissed in the Federal Bankruptcy Order, signed by Judge XXXX. I had the attorney ( XXXX XXXX ) that handled the Bankruptcy Proceedings sent a copy of the Bankruptcy Order to Beneficial, after Beneficial refused to accept my Copy. Then Beneficial sent the Mortgage to a Collections Agency, and now they ( Beneficial ) has given/transferred the Mortgage to XXXX XXXX XXXX XXXX XXXX, out of XXXX XXXX XXXX, Utah. I called XXXX XXXX and XXXX XXXX XXXX ( Fax : XXXX XXXX ), said that he was not aware of the Bankruptcy Stay Order. Beneficial is just plain wrong. It needs to be fixed. They doing this to me cause I am XXXX and a Donald Trump Supporter
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2017-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This is an HSBC account from XXXX, and was settled back in XXXX with another collection company by the name of XXXX XXXX XXXX. I just started receiving calls from the company this week from a XXXX, they are leaving long messages advising they are trying to catch up with me, they are filing court documents, they have given me information about my car, my old residence as well as advising to get my license suspended for not paying the debt. My daughter reached out to HSBC XX/XX/XXXX to see who this company is because the company will not give out any information at all no addresses nor first or last names, they get very hostile with customers that they are trying to collect debts on. HSBC advised that there are no longer any accounts in there system for me and if the company is not willing to give any information about their company then its most likely a scam. My daughter reached out to this company who goes by XXXX XXXX XXXX which there is no information available on line about this company. And advised the same account number given was paid back in XXXX, the representative then advised her to send through email. My daughter then advised she will not she will like to get a physical address to mail, in return the rep sent her to a voicemail because she advised she did n't have the address. And said it will be quicker to just email the information to show the debt had already been paid.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have made contact with XXXX, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XXXX/XXXX/XXXX, XXXX certified receipt # XXXX, and another certified letter on XXXX/XXXX/XXXX, XXXX certified # XXXX, which was return. On XXXX XXXX, XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address XXXX certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, who is a management representative for XXXX XXXX XXXX. XXXX ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the XXXX, XXXX and XXXX credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. Should XXXX, XXXX, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: HSBC to provide CFPB and me with copies of papers where I cancelled the said ACH authorization. I want this paper only, and I do not want HSBC to submit to CFPB a lot of irrelevant documents ( which it always does ) to confuse the staff and obfuscate the case. If there is no such paper, HSBC must submit a letter of apology, compensate me for the pain and suffering it has inflicted on me for almost a year, and for ruining my credit. Separately, I request that CFPB review my complaints, confirm that HSBC bluntly violates the letter and the spirit of the Consent Decree it signed with the government ( below ), and ( AA-EC-11-14 ) where HSBC was ordered to and HSBC accepted to : 1- An Action Plan, for " effective mortgage servicing ... compliance, quality control, audit, training, staffing, and related functions .... '' 2- '' Develop and implement an adequate infrastructure to support existing and/or future Loss Mitigation ... and ensure compliance with the Order '' 3- '' Develop organizational structure, managerial resources, and staffing to support existing and/or future Loss Mitigation ... '' 4- '' Agree to deadlines to review loan modification documentation, make loan modification decisions, and provide responses to borrowers and report HSBC to the proper regulatory authority for further investigation.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with HSBC to try to save my home.These attempts have been unsuccessful. About two months ago I requested the paperwork for deed in lieu of foreclosure. HSBC has not sent me the forms. I would like to turn the house back over. Can you please help facilitate that these forms are sent to me.
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: HI my name is XXXX this problem happen is a old but we had XXXX life inc so if anything ever happen to us it would helped us .well my husband got hurt at work and had to get on XXXX but we had to fill bankruptcy. Because the loan place said we did not buy the XXXX life inc but in 2012 I found the policy and they had me send all the paper work in and they approved the loan and took {$12000.00} dollars and gave it to themselves. AND TOLD ME since they had it we still owned are home which I new we did not because we had to filled bankruptcy. I hired a lawyer paid {$500.00} to started and she told me that it was to big of a place to fight after she took are {$500.00}, So I went back to who I filled are bankruptcy with which he new we had the inc, and he told me just to leave it and just let them have the money .I spend a lot of time doing paper work try everything I could to get what we paid for because we lost are home and everything where they told us this inc was good, and even try to call other lawyers to help but could not get no where so I have my paper work if I could get some one to just listen to me we have lost a lot of money pay out to these place on inc and when time to use them got XXXX .By inc XXXX XXXX , if I could just get some one to call me Thank you XXXX XXXX & XXXX XXXX
Company Response:
State: MO
Zip: 648XX
Submitted Via: Web
Date Sent: 2017-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A