Date Received: 2016-04-15
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I received a letter from HSBC indicating that a recent review was conducted of my online savings accounts and that due to this review HSBC was closing my accounts. In the letter it states I can access my online account to transfer money using a wire transfer. I tried to access my online account through multiple avenues ( smartphone, PC ) but could not access my account due to a " technical error ''. I then call HSBC customer service where they could not give me any information about why they were closing my account or any of my regular account information. The HSBC customer service rep told me that once I got the letter she could not give me any information about the account.
Company Response:
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2016-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-15
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I was charged by my bank HSBC a monthly amount of {$20.00} from XXXX 2015 to XXXX 2015 without knowledge or authorization. When contacted the bank they refunded me {$40.00} out of a total of {$140.00}. No explanation were given to me.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2016-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I requested a copy of my mortgage note from HSBC on XXXX XXXX, XXXX and I have not received the documents yet it has been nearly 2months now. HSBC acquired the mortgage XXXX/XXXX/XXXX and I have paid on time for 12 years. I am seeking assistance from HomeSafe Georgia because I lost my job 10 months ago and due to my age etc. I have yet to get an interview after working 17 years as a contractor to the Centers for Disease Control and Prevention. I need a copy of the note that is required to complete my application. HSBC has not been of any assistance and is using stall tactics to get my home so they can sell for a profit. HSBC purposely has enormous wait times to speak with someone who is not helpful and then badgers you for a next payment date. I am asking for help to save my home.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2016-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: his is a request for intervention due to a wrongful foreclosure initiated on the first Tuesday of XXXX 2016 by HSBC Mortgage Services Inc. at the XXXX XXXX court house steps with said property XXXX Georgia XXXX. Previous to this wrongful foreclosure action on the subject property, I was assigned to XXXX XXXX, Housing Counselor with Home Safe Georgia to negotiate a loan modification or principal reduction with HSBC Mortgage Services , Inc. He requested the following information to complete the modification application : Profit and Loss Statement ; Recent 2 Months of Personal Bank Statements ; Tax Transcripts for Personal and Business for XXXX ; During this period, I truly believed that I was under HAMP review and HSBC Mortgage Services never sent me any denial notice for my HAMP prior to the wrongful foreclosure against the subject property. HSBC Mortgage Services Inc. failed to adhere to the Single Point of Contact policy in order to find out the time frame in evaluating a HAMP Loan Modification application. Moreover, I was assured by Home Safe Georgia that they have contacts at many of the banks in order to execute an amenable mortgage workout. I have attached Home Safe Georgia email communication to me for your review. HSBC violated CFPB rules against dual tracking, initiating foreclosure while negotiating a loan modification. Sincerely, XXXX XXXX GA XXXX
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2016-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-13
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Consumer Complaint: Over the years I 've received collections calls from a " collections agency '' collecting debt for HSBC XXXX credit card. I was a college student in XX/XX/XXXX when that card was received. I do n't believe i ever used the card, if i did, I paid it off and if i owed them they should have taken action nearly 20 years ago. Before I became internet savvy, I 've fallen for what I think now is a scam maybe twice before and ended up sending these people money I really did n't think i owed. It was probably over 10 years ago since I sent them {$200.00} dollars at least. Now they are back for more money. They called leaving a threatening message that my mom picked up. She 's XXXX y/o and was frantic and upset after she called the number back to people threatening to lock me up. I am in Arkansas but there is someone in OK threatening to push a summons through if I do n't cooperate. I believe this is a scam and do n't want to be burden now or later from a company who ca n't provide me any written documentation on what I owe, if i even do at all. The number they called me from is XXXX " Detective XXXX '' he says he 's from some county courthouse not even in the state where I reside.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-13
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I started a loan modification process with HSBC back I XX/XX/XXXX, due to a loss of income with my husbands passing. I received a phone call, saying I was approved, and I needed to make the first two initial payments over the phone that day. I did I paid {$1900.00}. for XX/XX/XXXX and XX/XX/XXXX. Since then I receive calls no paperwork just calls every to to three days telling me they are still working on it. I did make my XX/XX/XXXX full payment even though HSBC advised me not to. I decided to refinance simply because the rate is lower and I was tired of waiting. My financing is all approved and last week we did a conference call between XXXX XXXX, myself, and HSBC. On this call they stated everything was current and my balance was around XXXX. We requested that this would be faxed to XXXX and when they received the fax it shows a balance of XXXX and XXXX in interest plus it shows me default for XX/XX/XXXX, XX/XX/XXXX, and soon XX/XX/XXXX. I contacted them. They said I had two deferred payments years ago, which I did and they are charging me 5,700 in interest on those two payments. The rest of the XXXX is my interest for non payment of XX/XX/XXXX and XX/XX/XXXX. They acknowledge they have my money for all three months, but now they are saying they will not apply it to my account for up to another six months, till the loan modification is done. So I will be in default till then, which will kill my credit. I asked to take me out of the loan modification and explained that I needed this refinance, and they simply said no, we can not. I have asked to speak to a manager, and was told there was no XXXX available to help me. Now when I call them or anyone calls them on m behalf, it disconnects them when they input my information. I have been XXXX up front with them since my husband passed away and all I am trying to do is keep my home and make my payment affordable.
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2016-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: Debt was discharged in bankruptcy in XXXX. Received letter XXXX from 3rd party collection agency stating that I still owe original creditor. I called XXXX, XXXX XXXX XXXX, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.
Company Response:
State: IL
Zip: 60185
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-11
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: In 2009, I was working in the XXXX XXXX. I did not open an account with HSBC. However someone who had my information did secure an account. I have trying for years to get this blemish removed from my credit file. I demand that the credit card company provide legitimate proof of ownership. I never signed any application. Accounts were opened online in my name and I have tried repeatedly to clear the matter. HSBC has not been cooperative and has not provided any substantiation to keep this on my clean record.
Company Response:
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2016-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: MY MORTGAGE COMPANY HAS BEEN REPORTING MY ACCOUNT TO THE CREDIT BUREAU XXXX FOR MANY YEARS. BETWEEN THE DATES OF XXXX XXXX AND XXXX XXXX OF THIS YEAR, THE ACCOUNT DISAPPEARED FROM THE XXXX REPORT. THIS ERROR IN REMOVAL OF MY ACCOUNT HAS CAUSED MY SCORE TO DROP DRASTICALLY. I CONTACTED THEM AND WAS TOLD THAT IT WAS BEING REPORTED EVERY MONTH. I CONTACTED THE CREDIT BUREAU AND THEY STATE THAT THE ACCOUNT DOES NOT EXIST. I HAVE WRITTEN DISPUTE LETTERS TO XXXX AND THE ACCOUNT IS STILL NOT APPEARING ON MY REPORT. IT IS AN ABSOLUTE ERROR! THIS IS AFFECTING MY CREDIT HEALTH. THE CREDIT BUREAU IS STATING IT IS THE MORTGAGE COMPANY 'S ISSUE. MORTGAGE COMPANY STATES THEY ARE REPORTING CORRECTLY. I HAVE PRESSING BUSINESS MATTERS TO HANDLE AND CA N'T AS LONG AS IT STANDS AS IT IS. ACCOUNT WAS OPENED IN 2004 - THE EFFECT OF THIS ACCOUNT DISAPPEARING FROM THE BUREAU, SHOWS I HAVE LESS OF A CREDIT HISTORY THEN I ACTUALLY HAVE. NO WHERE ELSE TO TURN. DISPUTES ARE NOT WORKING.
Company Response:
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2016-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been paying my mortgage for 14 years and have never been late, until XXXX when I was diagnosed with XXXX XXXX and under went treatment. I explained my situation to my mortgage ( HSBC ) company and requested a loan modification, but was denied. I reapplied for a loan modification in XXXX but was denied again due late payments. XXXX XXXX HSBC sent me a notice regarding an increase in my escroll account and that I could pay the difference of my to prevent an increase in my monthly payment, which I did. In XXXX of XXXX my monthly payments increased. It took six month and several hours on the telephone with HSBC to find my payment and apply the correct account. In XXXX of XXXX I had no choose but to obtain a lawyer for assistance with my home mortgage loan. My lawyer requested a loan modification and was told that I has already modified my loan in XXXX, which was not true. In accordance with the Affordable Home Act I should be able to modify my loan by reducing my 6.5 interest rate to current comparable rate. HSBC had continuous denied my request for load modification without any valid justification.
Company Response:
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2016-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No