Date Received: 2016-10-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was never notified of a mortgage transfer from my new loan owner. I was trying to make a payment to my original lender for my mortgage and it was never made clear to me who I should be paying. I also have yet to be contacted by my new lender, and I do not wish to supersede my grace period nor default on my loan. I have not missed a payment in 7 years and 4months.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2016-10-17
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2016-10-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage is being sold by Mortgage Service Center of HSBC to XXXX of XXXX. I looked for info about XXXX on the internet and found many complaints and negative articles including actions by the State of XXXX. I do not want to do business with this company ; however, my mortgage is at a good rate and I do not wish to refinance. What action can I take
Company Response:
State: IL
Zip: 60561
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2016-10-14
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I received an income execution dated XXXX/XXXX/16, from XXXX and XXXX, which are the attorney 's for XXXX Receivables, however neither of these agencies have proviced me twith proof of this debt, or even who the original creditor is. I have requested documentation, as well as justification for the {$2000.00} in interest charges, which seems to be an exorbitant amount, on the original amount of {$2200.00} that they have indicated that I owe. This amount of interest charged, should be illegal and improper! I am working a full-time job, earning only {$12.00} per hour for a total gross of {$480.00} per week. At this time, I am paying {$200.00} per month due to this income execution. I am only bringing home {$320.00} per week or {$1200.00} per month ; which I use to support myself and my XXXX brother ; without assistance. It almost makes me think that being employed is pointless. I am already living below poverty level and these unfair debt collection practices and the debt collectors prey on people who they already know do not have the money or resources to challenge them. Any follow up or assistance that your agency can provide me with I this matter would be extremely helpful and greatly appreciated.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2016-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have an online bank account with HSBC. My ATM cards have been deactivated. I called customer service and they informed me I needed to re-apply for an ATM card ( this is for a savings account! ) because they are now using chip cards. After twenty minutes confirming my information, they said a new ATM card would be mailed to me. I have had no access to my accounts during this time. I was told I could go to an HSBC branch and could access my accounts while waiting for new ATM cards. After 10 days, I attempted to go to the a physical branch. I was told that I can not access my accounts at the branch, only online. I ask if they could issue me temporary ATM cards, or help me in any way. I was told everything must be done through customer service via their phone number ( which is NOT is the US ) or online. When you try to address issues online, you are again told to call customer service. It has now been over two weeks and I have no access to my accounts and have not received my cards, and have been told by customer service to " keep waiting ''. I am very frustrated that an account that purports to be HSBC has no means to address customer issues.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2016-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have recently received a notice from HSBC Bank USA , NA, dated XXXX XXXX, 2016 that the servicing of my mortgage is transferred effective XXXX XXXX, 2016 to another mortgage services company ( XXXX ). The notice further states that no payments will be accepted after XXXX XXXX, 2016. My mortgage payment is currently auto deducted from my account with HSBC Bank USA , NA and this has been stopped. However, I also received a monthly mortgage statement from HSBC Bank USA indicating that my mortgage payment is due effective XXXX XXXX, 2016 and that the payment should be mailed to HSBC at a XXXX XXXX XXXX XXXX. My concerns are : 1 - The fact that HSBC has given only 15 days notice of the transfer of servicing, which is not sufficient time for consumers to be aware and make alternate payment arrangements. 2 - The fact that they have discontinued my automatic deduction ( which ordinarily is deducted around the XXXX of the month ) with less than 60 days notice for me to make alternate arrangements. 3 - The fact that HSBC has continued to bill me for a mortgage payment, which they have notified me that they have transferred, which they should no longer be able to do. Simply stated if the bank is unable to make the necessary arrangements in 15 days and continues to bill consumers, then why are consumers expected to make alternate arrangements in the same period of time.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2016-10-08
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2016-10-07
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My father died back in XXXX. He has a brokerage acct. at HSBC with myself as the beneficiary. I have been trying for over a year now to get the bank change the title on the acct. And, I have gotten nowhere with them. I filled out all of the paperwork they said they need to make the change, but nothing yet. I should that this amount time to do something like this. And now, I ca n't even get the agent on the phone ; nor, have I received everything from about this matter.
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2016-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-07
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: We have filed this complaint over and over and once again our request for proof of the debt and requested information i.e. communications from them to us has not been provided. We requested a copy of any correspondence including audio recordings given to us so we can forward to our attorney and to the Attorney General. We will vigorously continue to fight this type of predatory lending where an agreed upon amount is established in court between the consumer and the attorney and then after the consumer has paid off the amount they are told oh no that was not the correct amount. We have the documentation and have sent it to the Attorney General 's office. This is predatory lending at the highest.Attached is a new judgement brought against us without notification from them that they were filing and the attorney who has contacted us. This is the only way we have been notified of any court proceedings after filing. And they still have not provided the documentation.
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2016-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My bank ( HSBC ) sold my mortgage without my permission. I 'm now stuck with some debt collection company out XXXX that makes it much more difficult to pay, and no doubt leaving me open to late fees. Why do I have to jump through hoops to refinance, but the banks can XXXX me with one day 's notice? ( I got their Notice of Servicing Transfer letter ONE DAY before this took effect )
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-04
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Opened online account on XXXX/XXXX/16 at HSBC. I was contacted on XX/XX/XXXX via email requesting additional documentation which I sent in. I called on XX/XX/XXXX requesting a status update on my account. I was told that that person who was handling my account would contact me. Over two weeks later HSBC has my information they requested and I do not have a status for my new account opening.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-03
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I applied online to open a bank account and I failed questions in public domain about things that have nothing to do with me. I called HSCB Bank and they did nothing to resolve the issue. XXXX
Company Response:
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No