Date Received: 2016-02-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We filed chapter XXXX bankruptcy in XXXX XXXX. It was discharged on XXXX XXXX, XXXX. HSBC should have started reporting our payments to the XXXX credit agencies., I found out that they have n't reported any of them when we tried to refinance the mortgage with another lender.. I sent them a fax asking them to 'reaffirm ' our mortgage on XX/XX/XXXX. When I called the next day and talked to a customer service agent about getting something in writing about the affirmation, I was told they were never going to re-affirm our mortgage. They do n't 'do that ' anymore. They are basically holding us hostage to their horrible company and practices as I was told by XXXX XXXX XXXX that without that written affirmation, they would n't re-finance us. Even though I have every monthly statement that shows the payments were make on time. Our mortgage with HSBC is an adjustable rate loan which adjusts every 6 months. It 's starting to adjust upwards. We also found out a few years ago that they did n't participate in the federal re-finance option offered for underwater mortgages. I want them to re-affirm the mortgage and submit all back payment information to the credit bureaus.
Company Response:
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2016-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: HSBC paid my taxes out of my escrow account and when it was returned, it had already been paid, they did not return the money to me. This was because the HSBC account was to be paid off in XXXX 2015. HSBC instead applied it as payments. This kept the account open so they sent the tax payment, which had already been paid by the new mortgage company. When the money was returned the account was closed as I had pointed out their error and they paid off the loan thus closing the account. I have been trying to get this money since XXXX 2015 and they keep telling me that they are still reviewing it. Customer Service says that they can see where the money was paid and returned but the refund it is handled by another department and all they can do is escalate the request.
Company Response:
State: MO
Zip: 64119
Submitted Via: Web
Date Sent: 2016-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I would like to file a complaint of harassment against Beneficial Finance, HSBC, which is now XXXX XXXX XXXX. They continue to ignore my original complaint against them skating the issue with signed documents and legal jargon that I am not able to understand. I have recently secured a lawyer XXXX XXXX of XXXX NY to advise me further in this matter. He is in process of reviewing this entire matter which is very complex but told me that Beneficial Finance has had many suits filed against them in the past and they have always had a reputation of fraudulent activity or a smoke around them of being in some sort of trouble. My original complaint against them has to do with a mortgage that I and my ex wife went to them with in which they pressed me with a then new concept of a XXXX lawyer closing. I argued with them then that I had my attorney I always used and they had my ex-wife and I watch a video on XXXX lawyer closings and assured me then that if there was " any problems '' that they have a team in place of unbiased mediators that could get involved and solve any conflicts. Feeling pressured by the local office and they quickly won my ex-wife over I reluctantly submitted to this process as they assured me it would make everything go smoother and faster in the mortgage. In Beneficial 's response, which was bought out by HSBC, then XXXX XXXX XXXX they have never addressed my original complaint of the fact that they did not file all of my debt, nor was it disclosed to the then used attorney using blatant deception in getting their underwriters to approve this mortgage. They then pushed the mortgage through not telling my ex-wife and I that all our debt was not included in this mortgage even after they required us to produce all of our debt listed on a paper copy plus required us to provide our social security numbers to do a further debt search. We only learned of this after the closing where we were led to believe that all of our debt was now included in this new mortgage and that everything was paid off following the closing when debtors began to call us at the end of the month asking where their payment was. Many of these people we had contacted to tell them that the mortgage had been approved and that their checks would be cut at closing. My immediate response was to call the local Beneficial office which was eventually bought out by HSBC now XXXX XXXX XXXX and demand an explanation. They called my ex-wife XXXX XXXX XXXX and I in for a meeting. Their solution to this ooops! They suggested that this could be " fixed '' by a short term note for {$8000.00} at something like 23 % interest to cover the immediate payment need. They then suggested we apply for a XXXX mortgage in which the {$8000.00} would be paid off. I initially refused demanding the mediation that they promoted. They informed me that the mediation did not apply to this and there was nothing else they could do. We felt helplessly and hopelessly bound in this situation and reluctantly submitted to their plan. To this day they are not answering any of this. They are only producing copies of our signed statements which were done under duress. The combined mortgages put our monthly payments from just over {$900.00} to almost {$1400.00} dollars a month. When my ex-wife forced me into divorce proceedings over multiple issues that ended XXXX her chief complaint was financial pressure though I won the case with XXXX grounds later. If there was any single factor however that put undue pressure on this marriage it was this mess created by Beneficial later purchased by HSBC Bank now XXXX XXXX XXXX. Beneficial has a smoke screen they feel over this now by the fact they have changed ownership, sold the original Mortgage to companies who scoop up what they feel are bad loans continued harassment filing now a foreclosure against me and my new wife. Beneficial must answer
Company Response:
State: NY
Zip: 148XX
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-02
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On XXXX/XXXX/XXXX I tried to deposit a check through the HSBC mobile app on my cellphone. I received a message that it was unable to process my request. I went directly to my local branch and I deposited the actual check. On XXXX/XXXX/XXXX I received a debit from my checking account basically noting an error occurred for a duplicate check deposit. ( Apparently the mobile check was processed ). On XXXX/XXXX/XXXX HSBC corrected the error and debited my account to correct the error. Now, here occurs the problem, on XXXX/XXXX/XXXX I received another message/debit stating the same error message I received back on XXXX/XXXX/XXXX referencing the duplicate check from XXXX/XXXX/XXXX was deposited twice and HSBC was debiting my account to correct the error. This error had already been corrected so I stopped in to the XXXX NY HSBC branch. A representative by the name of XXXX pulled up my account and said she did not see the error. She explained I must have shaken the phone to have made the duplicate deposit. I tried to explain the backstory, she did not listen and tried to say it was a User error. I tried to show her the transaction on my phone and point out the discrepancy but she simply said her computer did not reflect any errors. She said when she went to her " home '' branch on Monday she would look into further. XXXX/XXXX/XXXX Monday I received a call from XXXX saying she saw no discrepancies on her end. I asked to speak to her supervisor and she said she was the supervisor. I told her this is unacceptable becaus it clearly shows XXXX debits from my account. I went on to try and explain that only XXXX debit was needed to fix the error. We went back and fourth and finally I told her I would escalate this through corporate. I was not getting any assistance from her. I called HSBC XXXX and was told by the represenative on the phone she could see the error and she would process the request to have it resolved. However, based on the correspondence with " XXXX '' the XXXX NY branch service manager I would like to have this escalated to ensure it is properly corrected in a timely time frame. The contact I have for XXXX is XXXX. I feel it is necessary to point out that XXXX was very rude and condescending. I will be looking into switching banks based on her poor customer service and Unprofessional attitude in this matter.
Company Response:
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2016-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-01
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: Previous application : Your submission, [ Case number : XXXX ] Received mail this weekend that was apparently sent XXXX, XXXX, from XXXX XXXX XXXX who are restating the facts without answering the allegations. Bk Discharge was received in XXXX, XXXX all creditors were listed. XXXX XXXX XXXX, XXXX is now Pursuing me for the Debt, but they say Lien or security interest, when I have not done any business with them. They did an illegal transfer of assignment while in BK court, have not answered the previous complaint to this Bureau or my concerns. Brought them into BK court again, for sanctions and violations. The Case was dismissed on XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX and HSBC are Servicers acted as Debt Collectors and never proved, verified anything except a copy of the Note and Mortgage that was NEVER signed to them. These criminals seem to be making money over and over violating the rights of man and woman and displacing families with no authority. This claimant is asking for a higher Authority to make them verify and prove there allegations. Especially when the Note and Mortgage travel together. Their proof is sending the Note and Mortgage/Deed over and over. Proving more and more that their names are not parties. Claimant proven over and over that XXXX is only Nominee and has no authority to assign and transfer. Now, I am faced with Eviction for a discharged Debt. XXXX XXXX XXXX, XXXX is not a Creditor. XXXX XXXX was operating under another Trust which was closed XX/XX/XXXX. Now, they are operating under another Trust and I am the only one asking questions. HSBC did not have interest so, how could they pass interest to their family XXXX XXXX XXXX, XXXX Why does the fraud end. Liens are security agreements and do not carry a monitory amount with it. They are separating these documents and illegally going against the FDCPA and the UCC without proving anything. Now coming after my property without proper verification. HSBC could not prove XXXX XXXX XXXX, XXXX XXXX prove because they are a servicers XXXX XXXX alleged Trustee is using another private Trust XXXX MASTER PARTICIPATION TRUST. instead of the XXXX XXXX ASSET BACK TRUST ( original ). At no time have either parties proven anything, through their alleged attorneys XXXX XXXX and now XXXX XXXX, XXXX.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2016-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was granted court ordered modification review after HSBC bank admitted negligence. I also was granted a previous court order from dissolution of marriage and final judgment where the court enjoined me to the existing home loan so I could be eligible to apply for a loan modification. The family court was also advised the other party, namely my ex-wife ( XXXX XXXX ) was filing chapter XXXX bankruptcy and she had notified HSBC bank of this. The court ruled in my favor with the fact that XXXX was discharging her obligation and rights as the person responsible for the mortgage debt to which the court ordered the loan debt be transferred to me. I notified the court I wish to keep the home for the safety and welfare of children which I was granted sole custody due to XXXX was convicted after a federal investigation. HSBC has admitted negligence concerning my right to apply for a modification loan and during the court ordered review failed to notify me that XXXX XXXX XXXX was non compliant with the court order and also HSBC failed to transfer client rights and authority of the loan fully knowing that XXXX XXXX had successfully been granted a chapter XXXX bankruptcy and therefore had no client privileges which should have been transferred to me by the supporting court orders resulting in HSBC continuing to show prejudiced and negligent acts towards me and ignoring the court orders. These acts of negligence by HSBC resulted in the modification process to break down and HSBC attempted to transfer the blame on me and refuse me client privileges during the whole process. HSBC bank also admitted negligence by their attorneys who had been instructed to cancel the foreclosure sale date set with the courts for XXXX XXXX, XXXX. HSBC attorneys filed negligently and incorrectly on the same day as the court sale date with an incorrect motion that was rejected by the court and denied resulting of the sale of the home and me losing title of the property. HSBC admitted further negligence to me and filed an appeal in court to have the ruling over-turned and was denied due to an improper motion filed. HSBC failed to correct their negligence to return title to me and further denied me any rights to a court ordered modification review by making false statements concerning the facts and damaging my reputation. I filed a previous complaint with CFPB in XXXX XXXX and did not receive a reply till XXXX XXXX XXXX resulting in further harm to my case. HSBC has filed a writ of possession in XXXX XXXX to seize the home, making the family homeless. I filed a formal complaint in XXXX XXXX with the Office of the Florida Attorney General who have upgraded an investigation and who I am currently giving evidence and formal testimony to. This investigation is ongoing based on the complaint and actions of HSBC bank. I filed a formal complaint with the Office of Congressman XXXX resulting in a formal ongoing investigation. I am requesting for foreclosure proceedings to be reversed to mediation, writ of possession to cancelled, my name to restored to back on the title, to be given legal client privileges and for loan modification. I have filed an emergency motion to stay writ of possession on XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 34683
Submitted Via: Web
Date Sent: 2016-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Credit card Debit from HSBC was paid in XXXX and credit bureaus removed the account from my credit bureau reports in XXXX. Removed from my husbands credit bureau reports for between XXXX. XXXX XXXX creditors continue to harass mu husband, myself, and other members of our family threatening to have us arrested, have us served papers, calling us names, using profanity and not providing exact company names and sometimes not providing good call back numbers. This has continued for 3 years now and it has got to stop. We have filed multiple complaints with FTC and all credit bureaus with no help. The state time law limits have passed and the evidence has gone and we need to be protected. The collector called my phone looking for my husband and said they were from XXXX XXXX and were going to sent someone to have my husband served and possible arrested if he did n't pay a bill that he is refusing to pay. The number on the caller ID was XXXX and the call back number she gave me was XXXX. When I explained that we had talked to an attorney already and the debt was paid years ago and I was happy to fax proof over, she stated they did n't operate with faxes. I have had to fax this proof and documentation to multiple companies over the years and I am sick of it. Please make it stop.
Company Response:
State: TN
Zip: 37205
Submitted Via: Web
Date Sent: 2016-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We have requested that HSBC ( Household Finance ) correct their own accounting error in which they did n't properly credit our account for 2 monthly mortgage payments of {$1700.00} each or a total of {$3400.00} in XXXX. They sent their own accounting records to us which proved their error and we sent a copy of the records back to them with a letter outlining the error in XXXX XXXX. We have written to them multiple times and they have not taken action to rectify this error. We are now asking them to pay this amount to the company they sold our mortgage to ( XXXX ) toward the principal on our home loan. We are also asking that they pay a penalty to us equal to 6 months of payments ( {$10000.00} ) for failure to respond in a reasonable time frame.
Company Response:
State: NY
Zip: 12533
Submitted Via: Web
Date Sent: 2016-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hsbc informed me that they sent encrypted and password protected disks which included, which included all of my personal information of me and my co-signer XXXX XXXX XXXX to an unauthorized commercial third party. My identity has just been stolen and XXXX of dollars were withdrawn out of XXXX of my debit cards. i called and complained to Hsbc and all they do is put me on hold and never return. All their offering is a bogus identity guard protection after the fact. I attempted to apply for this guard abd its too complicated abd their requesting many documents to be sent to them in order to activate me its too complicated and time consuming. Can you help me i fear that i may lose every thing because of their negligence.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2016-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2016-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No