Date Received: 2016-09-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I received confirmation from HSBC that my request for a loan modification had been approved as of XX/XX/XXXX. After asking several questions regarding the modification, it is clear that the modification will cause more harm than good. The STEP modification will reduce my interest initially then step back up to almost 6 % in 3 years putting me back in the same situation I am in now and will increase the maturity of my loan from XXXX to XXXX. I made in effort in good faith to request the assistance from HSBC but it seems they have only increased the hardship through this modification instead of providing assistance. This is an unfortunate matter to which I would like a resolution.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2016-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-31
Issue: Billing disputes
Subissue:
Consumer Complaint: My wife had accrued over a thousand dollars in one of her XXXX card which is serviced by XXXX bank corp. or HSBC. As she was delayed in her payments, Hsbc called her on the phone in 2010. HSBC made her to agree to several monthly automated payments through her checking account to pay the full amount. About 2 years ago, XXXX a debt collector served us papers through the courts suing us for the full amount. She searched her records but could not find any file that showed she had paid off the debt. We have accessed her checking statements online and indeed she made payments of around XXXX to HSBC card services CO id XXXX XXXX web misc XXXX for 5 months. She went to a local XXXX XXXX branch to identify what account the money went to. XXXX XXXX said they could not help us and told her to call HSBC. She was told by HSBC that they do not have records on how to track these transactions. We contested this in the local courts and the judge ruled that since we can not prove that the money did not go the account which is now held by XXXX that we have to pay XXXX XXXX. We sent a certified letter to the lawyers of XXXX XXXX stating that we are willing to pay on a monthly basis to cover the amount. My have not heard from them since. My wife is seeking a mortgage and the broker said that she has to settle this account before she can get a mortgage. We need help in trying to trace where the money went. As a warning to others, always keep your records whenever you payoff a debt. Also automated debits do not give a full record of where your money goes so probably it is better to pay off by check as a back up record. Creditors want to give you discounts on your debt for automated debits as probably it is hard to trace where your money went.
Company Response:
State: NJ
Zip: 08619
Submitted Via: Web
Date Sent: 2016-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-30
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Upon obtaining my credit file, XXXX was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent XXXX a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. In response XXXX sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. XXXX then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. XXXX know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2016-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I disputed a fraudulent account with XXXX XXXX XXXX in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2016-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-26
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I made a transfer from my XXXX XXXX XXXX checking account to my HSBC savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my HSBC account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a XXXX XXXX XXXX branch and they deposited it into my XXXX account. Then a few days later it was taken out of my XXXX account again with a " refer to maker '' error. I again went to XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that HSBC presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact HSBC to get them to research it to no avail as they state the money is with XXXX XXXX XXXX. This has been going on since XX/XX/XXXX and I feel that I have been defrauded out of XXXX since each bank is blaming the other and no one can seem to get my {$3000.00} back into either account.
Company Response:
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2016-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-25
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My Mother recently passed away. We have a joint checking account in XXXX names at HSBC. My Mother 's name OR my name. I went to the bank, provided a death certificate along with my State issued ID, and was told the account would be closed and a check would be issued in my Mother 's name at the end of the month ( XXXX ). I would like the check to be issued in my name since XXXX names are on the account.
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2016-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX and other company popping up with different Social Security Number
Company Response:
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2016-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-21
Issue: Settlement process and costs
Subissue:
Consumer Complaint: this is the XXXX complaint our mortgage company keeps making same mistake charging us for paying our taxes and house insurance when this is a non escrow account they say my county and house insurer say we are delinquent far from the truth we send documentation proving they are lying they are tuning our credit we are on social security and cant afford a lawyer some should help us they keep tacking on more money to our morgage
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2016-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: HSBC Mortgage has forced me into forclosure because they refused to do a modification on my loan as i went into a fixed income amount and was unable to afford the set Mortgage payment ... I have been battling to save my house court after court. The bank bought the house back in foreclosure, and being that im in still battling in court, I have paid over XXXX in escrow account, i 've been trying to buy back my house and I have given all the information the bank has requested including bank statements, and it was all a hoax and their just playing around with me, and now their saying we refuse to sell to you! I am almost XXXX years old and i have been living in this house for 25 years, I plan to die there! Please, please I am begging someone to help me!
Company Response:
State: MI
Zip: 48335
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-18
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: This debt collection agency is pretending to be a Law Firm, and has called harrassing me and friends and family. They even give a docket number threatening to show up at my job.
Company Response:
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No