Date Received: 2016-02-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I purchased a home through HSBC and it was foreclosed on ...
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I paid this account to portfolio recovery from hsbc bank it was a settlement that we made, so by me making that payment it was going to be deleted and not to be on my credit reports.i been disputing it for over a year and still damaging my credit.and also hsbc bank goes and also reports the same account as ... a charge off they hsbc sold the account to XXXX and again I been disputing it over a year.also my last payment was in XXXX 2008 and do n't understand why hsbc still reporting it.. I need some help on this..
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2016-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Loan denied for modification without defining exactly why it was denied.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2016-02-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am a victim of a predatory mortgage lender. Since XXXX, I have tried to refinance my 7.99 % ARM and 11.99 % fix mortgage with HSBC with no luck. We are upside down mainly because of the high interest rate on the XXXX XXXX and peanuts have gone toward principal the past 10 years. ( Refinanced with them in XXXX. ) Adding just interest since XXXX, over {$150000.00} has been paid to this company already but that 's still not enough. ( To put things in perspective, our home was purchased {$150000.00}. ) Because we are not a FFA loan and we are upside down, no other lenders or programs helps us or wants to take on the fight with HSBC. ( And we have tried several attempts over the years. ) We are two months behind and requesting HSBC work with us now. The only response we have received past years is a few months modification and we are returned back to the outrageous loan regulations. HSBC states : " We do not refinance, only can offer temporary modifications. '' Today, the response from HSBC states our only options are a short sale or foreclosure. We do not want to lose our home, we just want an affordable home monthly mortgage payment.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2016-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Beneficial applied two monthly payments in the XXXX of 2014 to the month of XXXX 2014. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, 2014 they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, 2014 after completing another reconciliation they told the XXXX Attorney General 's XXXX that our account was up to date. Between XXXX XXXX, 2014 and XXXX XXXX, 2014 they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) of {$1700.00}. On XXXX XXXX, 2014 they sold our mortgage to XXXX. Not only did they not tell XXXX that we were paid through XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand XXXX. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand XXXX and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY. This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the XXXX.
Company Response:
State: NY
Zip: 12533
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been trying to get a 24 month mortgage payment history from my current lender, HSBC. I have been trying to get it for over 2 months and tell me they will send it but they never do. They just send letters acknowledging my request. I am trying to refinance out of this high rate adjustable mortgage and they are prohibiting me by not providing my mortgage histories. The new fixed rate loan I am trying to get will save me over {$500.00} per month. How can they refuse to give me this information? They are keeping me in a very bad loan and causing me financial hardship. Everytime I call they say they will send it but so far I have received XXXX letters acknowledging my requests. I did get one history but it was completely ineligible and they did not send one for my XXXX mortgage as requested.
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Beneficial Homeowner Service Corporation is not taking responsibility for incorrectly posting a payment to our home loan in XXXX 2014. They took our XXXX 2014 payment and applied it to XXXX 2014 after they had already posted a payment to the account for XXXX 2014. In XXXX 2014 they told the bankruptcy court that we were up to date. In XXXX 2014 they told the New York State Attorney General that we were up to date. Their own accounting records which they sent to us show that we were up to date when they made this mistake in XXXX 2014. When they sold our loan to XXXX effective XXXX XXXX, 2014 they provided them with false information forcing XXXX to assess their own late fees and require us to make another monthly payment to bring our account current. It is clear that Beneficial can not understand and decipher their own accounting records.
Company Response:
State: NY
Zip: 12533
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: I had a credit card through HSBC who in turn went out of business and was bought by XXXX. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX bank then sold an account that was legally discharged to XXXX. They in turn sold it to XXXX XXXX XXXX, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.
Company Response:
State: ND
Zip: 58103
Submitted Via: Web
Date Sent: 2016-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-07
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: HSBC is no longer sending bills. I have a {$10.00}. charge from XXXX XXXX that I was never sent. When I configured my HSBC online banking account I never signed up for 'e-statements '. When I checked my online setup on XXXX XXXX, XXXX the 'estatements ' option was not selected. HSBC customer support was unable to help after escalating, the HSBC Supervisor was too busy to speak with me. HSBC customer support would not take care of the late charges, accept resposibility for the issue nor cancel this MasterCard account.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2016-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-05
Issue: Other
Subissue:
Consumer Complaint: I filed a dispute with XXXX, XXXX, and XXXX about an unknown debt listed on my credit report as a collection item. completed the form dispute process and asked the collection agency, XXXX XXXX XXXX, to provide me with documentation validating the debt belongs to me. On XXXX XXXX, 2016, I receive a letter from XXXX XXXX XXXX XXXX XXXX, where they failed to provide validation of the alleged debt to XXXX ( Merchant ) or the alleged original creditor, XXXX. The collection agency, cited the " seller 's records '' but failed to provide me with documentation that this debt belongs to me. I am requesting that the invalidated debt be immediately removed from my credit report.
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2016-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No