Date Received: 2016-01-18
Issue: Delinquent account
Subissue:
Consumer Complaint: I had delt with unknown collection for an HSBC card in my name opened in XXXX. I am a military spouse we move a lot and I have never received any correspondence from this company. After sending certified letters to two collections departments claiming they owned the same HSBC account for debt validation in wich I have certified mail recipts and other documentation. The only company who responded was mcm with a letter stating based on my information sent they would remove there collection activity from all XXXX reporting agencies since they where the owner of the account because when contacted HSBC directly they had closed it with no knowledge of my SS or Name. I have since disputed this with expierian who took the account off derogatory accourding to my XXXX rights. Also I have disputed this with XXXX. Based on this I am asking XXXX to stop reporting this account as derogatory. Dept valitation was never given to me in the form of what was asked as my signature on the said credit card and any sort of proof of debt other than just saying it was put under my name and social is not acceptable as anyone can do that with that information. Until I am provided with a complete investigation and documents sent to me with last payment canceled check or proof of any liability this should not be reported as derogatory. I have been asking for this since XXXX and have had many XXXX violations commited and will with all my power give over all my recored documentation to the appropriate channels.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2016-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: I filed bankruptcy ( chapter XXXX ) in XXXX, Then I filed chapter XXXX in XXXX and all my debt was cleared. But this Company HSBC Bank, keeps showing as a collection on my credit Brueau. I really do n't even remember opening this acct. Because at the time they say this acct. was open I was in Bankruptcy at the time. When i called the Co. last yr. XXXX, and explained this to them, they could'nt even sent me any evindence that this acct. was mine. And they never tried to even contact me about this debt that they show I owe. Thank, for your help with this matter.
Company Response:
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2016-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-12
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Debt was taken out in XXXX XXXX paid on the debit from XXXX till XXXX without ever missing a payemt, now that I have stopped paying on the debt the loan was sold off, I do n't think I owe the debt any longer due to I 've paid the XXXX back with intrest and then some. In XXXX a class action lawsuite was broght against the companty the loan was taken out with due to unlaw pratice and how they posted your maoney against the loan. Now I 'm being sued by some other comapny I have never heard of.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2016-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-13
Issue: Charged fees or interest I didn't expect
Subissue:
Consumer Complaint: I was in debt for about {$20000.00} in XX/XX/XXXX. I did not know what to do so I went HFC a loan company to borrow this amount of money to pay off the debt. XXXX, the HFC employee stated that I could the money as long as I gave HFC my car title. I gave HFC my car title and I received the money to pay off my debt ; however I have been on this loan for over 8 years. I have not missed any payments until XXXX/XXXX/XXXX. This debt amount has grown to {$25000.00} instead of going down. This amount should have been off within 5 years or less. I believe I have scammed and I would like help to cancel this debt since I have paid more on it than the amount that I borrowed. Thank you.
Company Response:
State: KS
Zip: 66104
Submitted Via: Web
Date Sent: 2016-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-13
Issue: Other
Subissue:
Consumer Complaint: I noticed an account on my credit bureau that was showing derogatory on my files. The account belonged to HSBC bank, so I called the phone number that appeared on the credit report and a representative informed me that she was not able to locate the account or there could be a possibility that the account was sold. I informed the customer rep. that i had disputed the information but it was verified and HSBC stated the debt was valid. I have never opened an account with HSBC bank, and i was wondering why are they reporting on an account that they do not have any information on. The customer rep informed me that i should continue disputing it with credit bureau again. I again disputed XX/XX/2015. and the information came verified again. Its infuriating that a non existence and bogus bills are being collected and reported on my credit report which is very inaccurate.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2016-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been making extra mortgage payment to HSBC Mortgage, they have been splitting the payment and applying it to future months. IE : payment due XXXX, sent XXXX and they take out two months of escrow, and apply bulk of the principle to XXXX 2016, cheating me out of my interest savings.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: We are in the process of completing a mortgage closing and approval when a problem arose. we applying for a XXXX XXXX loan which require-sour credit history with our past HSBC mortgage company. We Completed short sale in XXXX 2015 with all the approval and requirements set forth by HSBC.We have pleaded, asked as politely as possible and begged for HSBC to report the trade line and show the short sale as required to get loan approval by XXXX XXXX I believe. We tried for close to a year or more submitted paper work to HSBC to hardship department. We where seeking a fixed and lower rates to stop the continued elevation of the already too high 9 % as compared to rates at the time. HSBC dragged their feet and never provided an acceptable solution. WE NOW HAVE AN OPPORTUNITY TO RESOLVE OUR ISSUES AND HSBC PROVIDES NO HELP. HSBC is the worst company I have ever worked with .HSBC s not customer friendly. HSBC does not believe in the american dream of owning a home
Company Response:
State: VA
Zip: 23111
Submitted Via: Web
Date Sent: 2016-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-06
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Collectors may NOT add interest, fees, expenses or charges of any kind to the original debt.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-04
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I 've tried to buy tickets online on XXXX XXXX and all transactions came out as declined. When I checked my bank account I realized that XXXX transactions were actually authorized and XXXX dollars were missing from my account. I immediately called the bank to get the transactions reversed, once they were never authorized. Any regular bank would have blocked the second transaction since they were duplicates ( same website, same amount and made with less of a 5 minute interval. ). The bank informed me that they could n't do anything, that those were valid transactions, even though I told them I had the screen shots of the declined transactions. I was advised to call the merchant, who informed me that all the holds were immediately released since there was a mismatch on the address. I called the bank customer service who informed me to do not worry that in 24 hours XXXX XXXX XXXX XXXX the money would 've been credited back to my account. Today, XXXX XXXX the money has n't been credited back to my account and I was informed by the agent that it might still take 1 to 2 business days to have my money back for those declined transactions. I 've asked to speak to a manager or someone who could solve my problem faster, since all the money I had is being hold by the bank but they informed me that nothing could be done on my case.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2016-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-31
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: My name is XXXX XXXX and I am filing a complaint on XXXX. I was shocked to find on my credit a debt of XXXX in XX/XX/XXXX or XX/XX/XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to Beneficial that had closed their loan offices in XX/XX/XXXX. When I spoke with them in XXXX, XXXX acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because Beneficial is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid XXXX almost XXXX am I still required to pay more than XXXX % of my loan. I read that a consumer must only be made to occur only 1/8 percent of additional fees.
Company Response:
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2015-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No