Date Received: 2016-03-24
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I 'm trying to refinance my mortgage. I defaulted on a loan to HSBC they sold it to XXXX but there is n't any record of the transfer. I paid XXXX and XXXX, XXXX 's attorney but now I cant get a clean title. What do I do?
Company Response:
State: CT
Zip: 06473
Submitted Via: Web
Date Sent: 2016-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-25
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: In XXXX I applied and was approved for my first credit card/line of credit which was issued by Household Bank on behalf of XXXX XXXX. After receiving the card in the mail I activated the card via the automated system and was surprised that my balance was far less than the actual approved limit. When I called customer service, they informed me that there was an annual fee and an activation fee which was automatically taken from the available balance when I activated the card. I was very unhappy with this information and was NEVER advised of this when I applied for the card. I instructed the credit card representative to cancel out the card account, as I was not willing to pay nearly half of the available credit limit before I had even used the card. I cut the card up and never used it, but was soon receiving notices that the account had not been closed and was delinquent. I realize now how these kinds of things can affect my credit history, but at that point I had no clue about how credit worked. I figured after a few years passed I would be cleared of this obligation due to the statute of limitations. Unfortunately, it appears that the debt was sold multiple times ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX ). The current collector who purchased the paper on this debt on XXXX/XXXX/XXXX was granted a judgment on XXXX, XXXX XXXX in the amount of {$1400.00}. The documents filed with the court indicated that my brother, XXXX XXXX, had been served a Summons for me to appear in court on XXXX/XXXX/XXXX. I challenge the legality of that Summons as my brother was XXXX XXXX, in XXXX XXXX that entire week on high dosage of XXXX and passed away 2 days later on XXXX/XXXX/XXXX. I never received that Summons or had any clue there was a judgment hearing pending against me. Fast forward to XXXX XXXX and the creditor sent me a request for interrogatories. Since I had not ever received any notice of this judgment until that time, I assumed that the statute of limitations had already expired on the old XXXX XXXX account. At any rate, I filled out the interrogatories and sent them back to the creditor and thought I would hear something back with next steps from whoever was requesting that information. Instead a Notice to XXXX XXXX for Revival of Judgment was approved by the court on XXXX/XXXX/XXXX and I was not notified of that court decision until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my employer sent me notification that the court had again granted a judgment against me on XXXX/XXXX/XXXX. I was completely shocked, as I had never received ANY summons to appear in court which I thought was legally required. This whole process has been confusing and it seems extremely underhanded to serve a mentally XXXX person near death and never personally serve me at any point with a Summons to appear in court. I have grown a lot personally since XXXX and now realize how important it is to pay all creditors on time. I know I did n't handle the XXXX XXXX account properly initially and have no problem taking responsibility to paying an agreed amount to the original creditor. However, it seems predatory and fraudulent that the original debt could not have been for more than {$350.00} and now a creditor has been granted permission to garnish my wages for {$8600.00}. Please help me sort through the legality of this situation. Thank you in advance for your careful consideration in this matter.
Company Response:
State: CO
Zip: 80222
Submitted Via: Web
Date Sent: 2016-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been trying to work with my lender, HFC for almost a year to get a modification. The reason I am filing a complaint is they give me contradictory updates when I call them to check the status of my mod. I last applied XX/XX/XXXX, and was told that my file had the necessary bank statements. XX/XX/XXXX I was told that my statement was missing a page. I asked to speak to a supervisor and they told me one would call me back. It has been 7 business days and I never received a call. This is just the latest action they have taken to keep from reviewing my file for a modification. They continuously tell me documents are received and complete, and then change the story weeks or a month later. They never acknowledge the previous info I was given and instead tell me that it 's simple to just send the info again. But without honest communication from them, that is impossible. I would like them to know that I have filed a complaint so they will hopefully treat me and my situation with more respect. I am doing everything I can to work with them, but they seem unwilling to work with me, but never say that to me.
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2016-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-23
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: Based on a previous complaint I filed with the cfpb, HSBC responded in a written letter on XXXX XXXX 2016 they would cease and desist calling about debt that I make regular payments on. The payment is overdue by no more than 60 days, frequently only 30 days. This is a voluntary repayment I can revisit with my bankruptcy attorney at anytime. Despite this letter and verbal requests HSBC continues to call multiple times a day.
Company Response:
State: NY
Zip: 12302
Submitted Via: Web
Date Sent: 2016-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-24
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Now the problem with the debit card that was much more serious. I was then using my debit card that expires in XXXX / XXXX to pay my bills in the XXXX because I 'm in XXXX. And also to withdraw money in XXXX for my personal expenses. Is that because they sent new debit card with ship, did not respect the expiration date of the card I had ( XXXX / XXXX ) and canceled it in XXXX, XXXX although I have informed several times by email, phone and bankmail that I was in XXXX and would only return to the XXXX in XXXX / XXXX, when I would take and activate the new card ( I have all the evidence of these notices by bankmail because I copied them all and have the names, dates, and times when I talked to the Customer Service regarding ( The bank has to have these conversations recorded ). HSBC has left me in a very difficult situation because, not respecting the expiration date of my debit card, unilaterally broke a contract between the parties, as I had planned and bought trip to the XXXX in XXXX just to get the new card. Besides that, without debit and credit card, and can not honor my bills in the XXXX, I was also unable to withdraw money for my living in XXXX, where I am until XXXX XXXX. So I called the customer service and asked to send new debit card to the branch of HSBC XXXX, closer to my residence. ( HSBC propaganda is this : " If necessary we send new card where you are ... anywhere in the world '' ) Informed the address of the branch and the manager 's name in XXXX different calls to the customer service on XXXX, XXXX and XXXX XXXX XXXX because they did not send the card. Now, I find that on XXXX/XXXX/XXXX they sent the card again for my mailing address in the XXXX where there is none. Now the problem with the debit card that was much more serious. As the card requested for branch HSBC XXXX was not enough, I decided to send money to people on my mailing address for them to send me the card that arrived on XXXX. When they are ready to send, comes another card on XXXX. So these XXXX cards are sent to my address in XXXX by XXXX and I paid {$36.00}. The cards come to my house at XXXX. When I try to activate this card in customer service, they tell me that a third card was send for branch HSBC XXXX requested and only this third card was enabled to be activated. The XXXX who came to me had been canceled. All this happened without my knowledge and unilateral determination of the credit card department of HSBC XXXX. Then I called the branch manager of HSBC XXXX and he informed me that the card had gotten their hands. The next day I had to make a XXXX miles trip to pick up the card and finally the night to get it active. I WAS EXACTLY ONE MONTH, WITHOUT MY DEBIT CARD, unable to pay my bills in the XXXX and especially unable to withdraw money in XXXX for my expenses fault of disorganization, negligence and / or incompetence and arrogance of the office staff cards HSBC Legally what Can I do based on the Consumer Rights. A branch of my account is in XXXX, Fl. HSBC Caused me material and moral damages with their irresponsibility, negligence, incompetence and arrogance for dealing with neglect the needs of customers. On the site below are XXXX Consumer Complaints & Reviews, almost all making serious criticism of HSBC, which strengthens my complaints XXXX additional important information. I am XXXX ( XXXX XXXX XXXX ), I live in XXXX and spend one month a year in the XXXX to solve problems with the bank. Have an account in HSBC XXXX XXXX XXXX XXXX branch, in XXXX XXXX, XXXXXXXX ) since XXXX XXXX which keep part of my investments in the XXXX. I am not, therefore, an XXXX citizen, and not resident. But I have investments and bank account in the XXXX since XXXX. I look forward to your reply Thanks and regards XXXX XXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX - XXXX : XXXX, XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-23
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Working on HSBC re-fin. Ask us to buy additional XXXX insurance to cover further improvements and betterments that DO NOT even exist. First, according to XXXX rule, XXXX does not require XXXX insurance when master EOI is covered all. Our master EOI confirmed the developer had the CC & Rs written as such so that the XXXX requirement would be waived by lenders when first selling the units. Master EOI confirmed upgrades, betterments and improvements provided by the developer to the original unit owner are covered by the XXXX per CC & Rs. As I noted below, developer had CC & Rs drafted as such to waive the XXXX requirement of lenders for the first unit owners. Any further upgrades, betterments & improvements that may be done - ie. later by unit owner - are NOT covered. HSBC underwriter asked us to provide the CC & R statement and we did and now HSBC underwriter ignored this CC & R policy. There is no further improvement and betterments in our property. Hence, there is no reason to buy XXXX policy to insure improvements and betterments that DO NOT even exist. I spoke to the loan processor and HSBC loan processor argues their policy to cover " FUTURE improvements and betterments. '' I believe the XXXX policy is covered the current items not future items or any non-existing items. Note : HSBC has settlement in Massachusetts with Homeowners - Once a homeowner shows proof he has other insurance coverage on his house, the force-placed insurance should be removed.
Company Response:
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2016-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-22
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: HSBC recently began charging a number of new fees on my checking and overdraft protection accounts. I am not aware of being notified that these new fees would be put into effect, nor am I aware of having agreed to this significant change in the terms and conditions of my bank accounts. It is possible that these changes were hidden in one of the periodic updates to the terms and conditions of my accounts with HSBC but no attempt was made to make me actually aware of these significant changes to the fees which are charged to my bank accounts. I have had my HSBC checking account for 15 years and my select credit ( overdraft protection ) account for more than five years. Looking back through my banking statements, I can see that HSBC did not begin charging these particular fees until XX/XX/XXXX. The XXXX new fees are a 'maintenance fee ' on my checking account and a 'miscellaneous debit transaction fee ' on my select credit account. I was charged maintenance fees of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$120.00}. I was charged miscellaneous debit transaction fees on XX/XX/XXXX for {$10.00}, on XX/XX/XXXX for {$30.00}, and on XX/XX/XXXX for {$20.00} for a total of {$60.00}. I was told that HSBC charges a {$10.00} fee for every transaction on the select credit account. The fees I have listed include all instances of these fees being charged to my checking and select credit accounts during the 15+ and 5+ years that they have respectively been open. After speaking with HSBC customer service representatives, some of the fees have been reversed but they will continue to charge them on new transactions. I believe that I was also deliberately misled by HSBC customer service representatives. I was told repeatedly that the terms and conditions of the accounts have not changed and that these fees have always been in place. This is an obvious falsehood which is made apparent by a review of my bank records, which I have done. The 'miscellaneous debit transaction fee ' is also similarly titled to the normal monthly finance charge for the select credit account, which appears in my statements as 'miscellaneous debit *finance charge* cash advance. ' I believe that these fees were given similar titles in order to deliberately confuse and mislead HSBC customers so that they would not notice the new fees being charged to their accounts.
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2016-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-22
Issue: Billing statement
Subissue:
Consumer Complaint: i need billing history for the account. I need to have full payment history, 1st date of delinquency, last payment date, 1st major delinquency, date account was opened and date account was closed.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2016-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-18
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Requested validation and verification nothing received
Company Response:
State: KY
Zip: 40207
Submitted Via: Web
Date Sent: 2016-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-18
Issue: Billing statement
Subissue:
Consumer Complaint: I have a Credit Card account with HSBC, USA. Recently my card was replaced due to suspicious activity on the account. During the following statement period ( janurary, 2016 ), an 'Autopayment ' of the full balance of {$3400.00} was taken from my bank ( XXXX Account # XXXX ) without my authorization. This occurred on XXXX XXXX, 2016. I had previously set up the account to deduct the MINIMUM PAYMENT, not the full balance. I contacted HSBC about this. They noticed their error and issued a 'Return Payment '. However, though the return payment showed up on my statement - they did not return the funds to my bank account. I followed up again a week later. They claimed the funds had been returned, but they had not. I offered to show them my XXXX statement as proof the money had not been returned. On XXXX XXXX another 'Payment Adjustment ' was listed on my statement for {$3400.00}. Still no actual funds were returned to me. At this point my credit card balance was over {$6000.00} due to HSBC error. I followed up again and at HSBC 's request opened a dispute about the charge with XXXX Bank. XXXX issued me a provisional credit. Their investigation continues. On XXXX XXXX, another payment adjustment was issued by HSBC. This time for {$1500.00}. Again, no funds were returned. This caused my account to be overdrawn. At this point I began to worry about how it will affect my Credit Score. I informed HSBC of this, but they claimed the issue had been resolved and the funds had been returned, but they had not. Again I offered to show my XXXX statement as proof. On XXXX XXXX, another payment adjustment was listed on my statement. This resolved the {$1500.00} in question, but not the initial {$3400.00}. I am still waiting for them to resolve the initial complaint and return the {$3400.00} to me. An investigation into this issue has been ongoing since XXXX XXXX. It has not been resolved. It has caused me a lot of stress as the Phone Customer service representatives are unable to assist me and will not allow me to speak to anyone higher up the chain. It has been over 60 days since my first complaint was filed. The high balance that has been listed on the account worries me as it will affect my credit score and is through no fault of my own. HSBC are also charging me interest on this balance. The Balance is incorrect due to their error. I am having a lot of trouble resolving this issue.
Company Response:
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2016-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No