Date Received: 2015-11-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have received multiple letters and phone calls from HSBC regarding complaints lodged by me for the way they handled my recent refinance. In each instance they make promises about when they will call and talk to me as well as when I will hear back from them in written form. Once again they do not live up to their promises or meet their obligations. The most recent dates that they committed to and that have come and gone were a return phone call that was suppose to happen on XXXX/XXXX/2015. And letters to me promising a written response back to me by XXXX/XXXX/2015 and again by XXXX/XXXX/2015. None of which happened. I am asking that you please take some kind of legal action against them on my behalf. They are not a reputable company to do business with.
Company Response:
State: NY
Zip: 14450
Submitted Via: Web
Date Sent: 2015-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-03
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: back in 2009 i got a credit card from XXXX. they contacted me today and said they are coming to my work to serve me. they have called me atleast XXXX times today. last month i told them that the statue of limitations in oklahoma is 3-5 years and they got real hateful and said we can argue this in court and hung up on me. i need to know what i need to do about this. please help
Company Response:
State: OK
Zip: 74501
Submitted Via: Web
Date Sent: 2015-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I currently have a 30 year decreasing interest rate loan with Beneficial a member of the HSBC Group. I have had this loan since XXXX XXXX, 2005. Under the terms of the loan, my interest rate will decrease by one quarter percent annually if all payments are made on time during the year, which has always been the case. This was done automatically until 3 years ago. For the past three years on my anniversary date the interest rate has not been decreased until I call and write letters to have the issue resolved. Since this has happened for three consecutive years, I feel Beneficial is behaving in a fraudulent manner, hoping I will not hold them to the terms of the mortgage thus receiving a higher than entitled interest rate. I can mail you any paperwork you may need to assist you, I am unable to download anything on the computer. As of this date I am still waiting for the interest deduction after numerous telephone calls and registered letter. Beneficial says they are working on the problem. However, I make my payments on line biweekly and when trying to use their website I am locked out supposedly because they are making updates. Thus I feel they are trying to make me miss a payment so I am in violation of my contract so I can not receive the interest deduction. Please assist me in this matter so I do not have to repeatedly go through this process. XXXX XXXX, 2015
Company Response:
State: NV
Zip: 89502
Submitted Via: Web
Date Sent: 2015-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a mortgage that was sold to PHH XX/XX/XXXX and I have had problems with them not processing my payments correctly and in a timely manner. I typically send additional principal payment along with the mortgage amount that is due each month. Mortgage payments can be paid within the XXXX through the XXXX of the month. I use to pay early before XXXX but PHH did n't apply the funds and in fact frequently called me to tell me the mortgage was " late '' because they refused to apply the early funds before XXXX the month. THey did this even though the money was sitting in the account but they simply did n't apply it. To avoid that I pay after XXXX the month before XXXX. My payments are sent through my bank 's bill pay system and the bank record indicates that the money was taken out of the account on XXXX XXXX and posted to the PHH mortgage account, XX/XX/XXXX.The excess payment towards principal was never applied. In fact when I received the statement for the following month the excess amountof {$490.00} was in a " Suspense Balance '' and was not applied towards principal. It was listed as " Partial Payment ( Unapplied ) ''. I contacted XXXX XXXX the PHH representative and she claimed that the payment was applied the following day because the statement was printed before the application of these funds. XXXX statement does n't make sense since the statement clearly shows that the mortgage payment posted on XXXX so why was the extra principal payment not included since all the moneys were sent at the same time? why would an extra payment be applied on a different date than the mortgage payment? Again, it was all sent as a single payment.Lastly, the new statements are issued after the XXXX not early in the month so this is patently false. Although XXXX promised to send evidence that the payment was applied, I have received no such evidence. I am very concerned that the extra payments are not being applied AT ALL and simply pocketed by PHH. XXXX stated I would be receiving a record of my mortgage payments for this year. I have had issues with PHH in the past, such as having a fully paid off HELOC line stay as an outstanding lien on my property for years because XXXX did n't record it as a satisfied mortgage.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Mortgage servicing company ( PHH ) is not applying payment funds correctly, has incorrect amounts due, & issues payment reminder notices indicating payments not received, debt collection notice, and threats of reporting information to credit bureaus weeks before payments are even due.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2015-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-30
Issue: Delinquent account
Subissue:
Consumer Complaint: I am being harassed about a XXXX Orchard Bank debt of {$500.00} which is now {$2100.00}. this they say happened in 2000. I say I cleared this up and I do n't owe them. My credit report has been cleaned up at least XXXX times in 15yrs. I say the statue of limitations protects me against their claim. They called me and threatened to come to my job and file a court judgement against me. They just want the money and said they would call on Friday, today to see what plans I have for paying them ( a XXXX party ) XXXX XXXX XXXX Firm.
Company Response:
State: CA
Zip: 93560
Submitted Via: Web
Date Sent: 2015-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear XXXX XXXX and CFPB representatives, I am submitting a complaint against HSBC because they are not only acting in an unfair and deceptive manner but they are also violating both state and federal laws that afford me certain consumer rights. It is my understanding that HSBC is presently violating FDCPA laws, CFPB laws and regulations, and California 's Homeowner Bill of Rights. I submitted a complete Request for Mortgage Assistance ( RMA ) on Friday, XX/XX/XXXX, from HSBC to retain my home ( please see both fax confirmation attached as well as attached email confirmation from HSBC ) without knowing that I had a sale date placed on my file. My single point of contact ( XXXX XXXX ) informed me, through my authorized XXXX party, on Wednesday, XX/XX/XXXX, that a sale date for XX/XX/XXXX was placed on my file the same day ( XX/XX/XXXX ) that I requested mortgage assistance. XXXX XXXX conveyed that HSBC had not yet reviewed my RMA from XX/XX/XXXX to determine if it was complete or if additional documents were needed but that HSBC required 15 days from the date that my XXXX was processed by HSBC ( XXXX business hour typical turnaround ) in order for HSBC to review my XXXX, which was impossible to achieve. XXXX XXXX further stated that she reached out to me on Friday, XX/XX/XXXX, to advise me of the sale date but could not tell me when and stated that the internal tracking system at HSBC did not time stamp her attempt to contact me, which seems suspect at best. THE SALE DATE OF XXXX COUPLED WITH HSBC 'S XXXX BUSINESS HOUR TURNAROUND MEANT THAT THERE WERE ONLY 13 DAYS MAX TO ADHERE TO HSBC 'S TIMEFRAME OF 15 DAYS? THAT IS IMPOSSIBLE TO ACHIEVE! The interesting thing is that I submitted the RMA 16 days in advance of my sale date without even knowing that there was a sale date placed on my file or the timeframe in which I had to adhere to and as of today, I have still not received the required notices for a sale date from the foreclosure attorney, Western Reconveyance. XXXX XXXX, my single point of contact at HSBC, was unfamiliar with the fact that my property was located in California and certainly was not familiar with the CA Homeowner Bill of Rights ( HBOR ), established on XX/XX/XXXX, that affords me relief from dual tracking by stating that, " Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification ... the foreclosure process is essentially paused until the complete application has been fully reviewed. '' I was informed that the CA HBOR affords me these rights even within the 15-day policy that HSBC has in place, even though I believe that I am in compliance. It is also my understanding that the CFPB has similar dual tracking protections that have been violated since I essentially submitted a complete package prior to being informed by HSBC that I had a sale date. I am not asking for special treatment, I am just asking for the RMA that I submitted back on Friday, XX/XX/XXXX, be reviewed in full for mortgage assistance ( government and proprietary ) and that the sale date for XX/XX/XXXX, be put on hold to afford me the opportunity to seek mortgage assistance without my consumer rights being violated. I would also like to receive proper notice regarding any escalation in foreclosure since I have yet to receive any documentation alerting me to a sale date or further foreclosure actions and XXXX XXXX XXXX can not provide me with any information regarding this issue. Thank you in advance for your assistance with this matter.
Company Response:
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2015-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-29
Issue: Incorrect information on credit report
Subissue: Account terms
Consumer Complaint: HSBC this account was closed back in 2008 and it still appears on my credit report, I 'd like to have it removed since it is well past the SOL.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2015-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-29
Issue: Other
Subissue:
Consumer Complaint: I contacted XXXX about a couple months ago and they did remove this time barred debt from XXXX credit bureau BUT NOT XXXX that has more than exceeded the time statute to collect at best this questionable debt of {$16000.00}. XXXX did remove this debt from experience and XXXX XXXX however it still remains on my XXXX XXXX XXXX XXXX credit report And needs to be removed immediately or I will have no choice but to pursue legal remedies since this debt at best is questionable and is time barred and has well exceeded the statue limitations
Company Response:
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2015-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Data central Collections turn a collection over to the credit reporting agents the original debt came from HSBC and i have never did business with that company i have never received a invoice or demand letter to validate the debt
Company Response:
State: SC
Zip: 29651
Submitted Via: Web
Date Sent: 2015-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes