Date Received: 2015-09-23
Issue: Billing disputes
Subissue:
Consumer Complaint: This issue is that the subsidiary collection agencies for XXXX continue to report on an old account that I have full paid and XXXX shows the account as being fully paid, but their XXXX-party collection agencies continue to report causing a negative reflection on my credit report. Every six months I have to resubmit the payoff letter to clear it off. It is cleared but then keeps reappearing. I need this cleared off my credit report and to stop all further collection and reporting on this account on my credit report.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2015-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-23
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they XXXX XXXX XXXX XXXX. They have just started calling me this month.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2015-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-21
Issue: Delinquent account
Subissue:
Consumer Complaint: I had a charge off with XXXX XXXX XXXX, that was the Date of First Delinquency. According to the FCRA the account will be deleted after seven years from DOFD. I have credit reports ( attached ) showing the DOFD as XXXX XXXX. My reports always showed the account schedule to fall off XXXX XXXX, which would be correct reporting. As of this XXXX the account remained so I disputed it with XXXX, XXXX and XXXX. XXXX and XXXX deleted the account per proper reporting information. XXXX responded to XXXX that the new date for this account to be removed is XXXX XXXX, which is very incorrect.
Company Response:
State: TX
Zip: 79706
Submitted Via: Web
Date Sent: 2015-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-18
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I did not receive a notice of the right to dispute the debt XXXX claims that I owe. I have disputed the debt multiple times, recently over the last year, and have only received a notice saying that they have validated the debt and will not dispute it again. They completely left me " in the dark '' to take their word for it that the debt is valid, without providing any documentation. Where is my hard copy documentation? How did they validate a debt? Where is proof of the balance? Where is the payment date proof? During XXXX of my attempts to dispute the information via the credit bureaus, XXXX XXXX XXXX even sent me a letter offering me a settlement amount, DURING a dispute, and according to my credit report ( which they say is valid without providing proof ) is PAST the statute of limitations. After disputing the debt account with the original creditor listed, they removed the account from my credit, but portfolio recovery associates refuses to respond properly to my dispute efforts.
Company Response:
State: WA
Zip: 98087
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hello, We have a loan w/ HSBC and have been making payments since XXXX 2005, our original loan amt at that time was {$19000.00} and it is currently {$20000.00}. I have had to pay XXXX dollars in fees. I had paid the fees then told there were more, after review the new fees were removed. I wanted to see if there was someone that could review our acct as we are not understanding as to why our balance has in fact gone up. We feel that this loan is impossible to payoff. Thank you for your help!
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2015-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-18
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Consumer Complaint: Claim to be XXXX and XXXX, but will NOT give me an address to send a letter requesting proof of debt. Called at XXXX in the morning on XXXX occasions, have claimed to be a legal office, an investigator, etc. Have threatened to garnish my wages, and when I told them they ca n't do that without taking me to court and proving the validity of the debt, they wo n't give me any more information. I 've received nothing in writing AT ALL. They have told me to go home and wait for my summons, but wo n't give me any more information. Illegal on soooooo many levels.
Company Response:
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2015-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX has reported false information. They have illegally re-aged this debt. The original debt from HSBC Bank was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with XXXX XXXX or HSBC Bank. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX. XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. I would also like to report to CFPB to notice it says original creditor HSBC Bank Nevada when in truth it is just HSBC Bank. Are they both the same or is that just another scheme. ThanksXXXX XXXX
Company Response:
State: CA
Zip: 93444
Submitted Via: Web
Date Sent: 2015-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-16
Issue: Settlement process and costs
Subissue:
Consumer Complaint: We refinanced our apartment in the XXXX XXXX with HSBC. The process took a long time - since XXXX - with HSBC constantly coming up with many inquiries, which we responded to within a short time ( usually same day ). Everything was going fine, but we were out of the country when the closing happened XXXX our daughter had POA to sign the papers ). At the last minute ( after we had agreed on all the details of the closing XXXX, HSBC added a {$4000.00} charge to the closing costs, without our permission.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2015-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My payments was XXXX to HSBC and somehow a different company received my payments. When I got the check I back, I XXXX it back with an address on their statement. I told HSBC to send an update statement to assure that my accounts was up to date. Never heard from them. My statement keep showing past due amounts and when I finally hear back from a rep they tell me my accounts is only the current payment due, so I ask for a current statement and I never get it. I 'm so stress and ca n't sleep..
Company Response:
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2015-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: HSBC mortgage is refusing to update my credit file to reflect my mortgage was an account in good standing, never late that was transferred to another servicer- ( XXXX ). They are incorrectly reporting that this mortgage as having been discharged through chapter XXXX bankruptcy, delinquent and derogatory. There has NEVER been a late or missed payment on this account and it was NOT discharged in bankruptcy. I sent XXXX and XXXX XXXX a copy of my schedule F bankruptcy petition to show the list of creditors that WERE included, paid for and discharged by the chapter XXXX bankruptcy as proof and they didnt update the report either. Only XXXX agency-XXXX updated all the records on my file and is reporting everything correctly. HSBC has been sending me letters of apology from their credit retraction department saying this would be fixed and my credit history restored since XXXX of 2014 and it has not been done to date. After speaking with HSBC bank again today they advised me since I had filed a bankruptcy petition they had a right to report the loan as derogatory and discharged because I had a bankruptcy that was discharged-regardless of the fact that the loan was not included, paid, scheduled to be paid or discharged by the chapter XXXX trustee. Also regardless of the fact that it was always paid on time-never delinquent or derogatory. I was advised by HSBC they could report the loan as derogatory and delinquent just because I filed a bankruptcy. They are refusing to correctly report the status of my loan which is hurting me financially. I am a landlord and can not refinance my properties to purchase additional properties due to this incorrect derogatory information that HSBC mortgage is maliciously reporting. HSBC has now also had their servicer- mortgage service center CHANGE information on my credit report to reflect my current mortgage with them is now CLOSED and DISCHARGED thru bankruptcy! My XXXX credit score just went down to a XXXX because of actions HSBC bank has maliciously taken! I have other mortgages with other banks and have not had this problem with them. I asked HSBC to prove ( validate ) when my account was ever late, delinquent, derogatory or discharged thru chapter XXXX bankruptcy and was advised by representative " XXXX '' at XXXX that " its not their job to prove anything to me. '' Its HSBC Mortgage 's JOB to ACCURATELY report the STATUS of my loan and payment history to the credit bureaus-XXXX and XXXX- which they are refusing to do. If they insist that this loan was a derogatory, negative, delinquent account that was discharged through bankruptcy then I want them to prove when it was delinquent, negative or derogatory and to also prove that it was discharged in bankruptcy. I was able to choose who I wanted to include in my chapter XXXX bankruptcy-because those were creditors that were being paid by the trustee. I did n't have to include accounts in good standing as they were not accounts in default that I needed to put on a payment plan. I had XXXX mortgages discharged in my bankruptcy, they were stripped from my properties even though they were lien holders. HSBC was not XXXX of them or they would have been stripped as well!!
Company Response:
State: NY
Zip: 14213
Submitted Via: Web
Date Sent: 2015-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No