Date Received: 2015-08-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX Mortgage dba XXXX is a servicing entity for HSBC Bank. We are trying to obtain a satisfaction of mortgage on an old HSBC loan XXXX HSBC was successor in interest to the original lender ). This loan is paid and we have followed normal procedure to obtain the duplicate original satisfaction. PHH ( also known as " XXXX '' ) as verbally confirmed the loan was paid. We faxed our original request for the satisfaction on XXXX XXXX, 2015. Since then, we have made numerous requests to get status on this matter. As of XXXX XXXX, 2015, we have been contacting them twice per week ( via phone, fax or email ) to obtain status. We are told " a manager will call us back '' and not once have we had a return phone call, or even any correspondence from them concerning any one of our numerous inquiries. As per New York XXXX Law, Article 8, Section 275, a lender is required to provide the satisfaction upon payment of the lien in full. Paraphrased herewith is a summary of the law : " Failure by a mortgagee to present the certificate of discharge for recording shall result in a mortgagee being liable to the mortgagor in the amount of {$500.00} for failure to present the certificate in 30 days ; for {$1000.00} for failure to present the certificate in 60 days ; and for {$1500.00} for failure to present the certificate in 90 days ... ''. We do not wish to obtain any monetary compensation or penalty for their gross negligence, but wish to have this matter resolved ASAP and have them produce the duplicate original satisfaction so we may have it recorded in the land records which will allow us to proceed with closing of the REO sale which is being delayed due to this matter. Thank you.
Company Response:
State: NY
Zip: 14623
Submitted Via: Web
Date Sent: 2015-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Relocated to Ohio in XXXX with a job transfer. It was not a smooth transition and because of many circumstances out of our control, the move cost us XXXX and a lost home. The transfer was voluntary therefore, the company did not reimburse charges. In XXXX, we found that we were trying to recoup our monies lost and was contacted by a broker with HFC, what he explained to be a Home Equity Loan sound as though this is what we need. It would consolidate our debt into XXXX loan in the amount of {$20000.00}, and it would be paid off in XXXX years. I contacted HFC aka HSBC a couple years ago to inquire as to why the loan is going on XXXX years old and the balance is {$21000.00}. I was told that this was a credit card with a high interest rate which incurres interest monthly. Because of the job market in XXXX Ohio, I have been unemployeed ( layed off ) XXXX times since XXXX ; I allied for a hardship modification with HFC and was approved in XXXX XXXX. I am still getting late notices for the original montly amout and when I call in I am told they do not know why their system has not changed things nor why the total amount is not going down other that THIS IS A DAILY RATE INTEREST BEARING LOAN. How can we ever take care of this? I feel this was a deceptive practice from the first conception of this loan and I am sure we are not the only ones this has happened to. What can we do?
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-08
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Consumer Complaint: Offices of XXXX contacted me via phone and told me I owed money on a credit card I know nothing about. The person I spoke with name is XXXX XXXX and he was very rude and unprofessional in his attempted to collect this supposed debit I owe. I inquired about the card and just tried to understand what was going on but he really did n't want to hear anything I was asking about nor did he send me any documents in the mail prior to or after we spoke to prove I actually owed this debit. I have received and currently am still receive abusive threatening messages from processers saying all sorts of derogatory things. Due to the first message I received stating they would come to my place of work and serve me and the fact that I really did n't want any issues financially I paid XXXX on the spot and was told I could set up a payment plan for the rest of this money I allegedly owed. The payment plan was told to me on the phone and then I was told for it to be valid I would be sent a copy of the payment plan to my email in a few days and would have to sign, authorize and send back to them through email. I had n't received anything in a few days so I called back and left a message saying I never received anything to my email. About a day or XXXX later I got a phone call from XXXX XXXX and he then told me he had sent it again. I checked my email and it was there this time. I never signed it printed the emailed contract and decided to take this to and attorney and see what were my rights when it came to all of this. I also pulled my credit report took that with me as well to the legal offices on post, and this card from Household bank I am allegedly owing is not on there. I then sought out and attorney through the XXXX due to the fact I am currently a XXXX at XXXX XXXX, KY. The first payment was supposed to be made XXXX XXXX according to the emailed contract they sent me but once again never signed and sent it back to them authorizing this but Offices of XXXX took it upon there selves to take that payment anyway. The attorney sent Offices of XXXX a letter, notifying them I now had representation and they were to only contact my lawyer not me directly anymore. Unfortunately they failed to do so braking the law by trying to contact me after the letter was sent also left another threatening fortuitous message, that I also saved. I am in no way opposed to paying this debit if it truly mine but I was not given any proof except XXXX XXXX stating that my social was attached to this card and it means nothing. There is so much fraud and stealing of individuals socials and identity theft I only want to be sure before I pay another persons debit, and by law I have that right. I would like for this to be investigated, my money returned and no longer harassed by this company or its processors. I look forward to hearing from you. Thank you
Company Response:
State: KY
Zip: 40160
Submitted Via: Web
Date Sent: 2015-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-07
Issue: Customer service / Customer relations
Subissue:
Consumer Complaint: Today XXXX XXXX was attempting to make my monthly payment to my HSBC Platinum Credit Card. Then I get this ridiculous error message : " *You may submit a payment for Today until XXXX MST. '' At the time of my payment it was XXXX EST which would make it XXXX MST plenty of time you 'd think for me to submit payment, right?????? BUT NOOOOOOOOOOO!!!!!!!!!!!! Even though minimum was not due today I make the effort to call HSBC to settle the score. What followed for me was a nightmarish series of questions when even though I had established my ID the indignant HSBC rep proceeded to ask me if I have any other bank accounts ; if I have direct deposit and if so whom it 's from and for how much. ALL THIS BECAUSE THEIR BACKWARDS SYSTEM WOULD NOT ALLOW ME TO MAKE A PAYMENT!!! This is a tale of horror from an indignant banking institution that needs to understand what good customer service means and not proceed to torture a paying CUSTOMER WHO WANTS TO SETTLE HIS BILLS!!!!!!
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied for a short sale close to four years ago to HSBC. XXXX years in the process after submitting many documents they claimed they lost my file and that I had to start over. Over the last XXXX years, my attorney and myself have provided all documents to HSBC well before the deadline with a faxed confirmation as proof and now for the XXXX time, HSBC has closed the case and denied claiming they did n't receive the documents despite the proof we sent in. I have had a cash buyer waiting to purchase at a price acceptable to HSBC. Even knowing this, they are asking me for the XXXX time in two years to yet again provide documents only because they claim to not receive. I feel discriminated against, as I know short sale process, and this is very unusual how I have been treated even after following their guidelines.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2015-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: About XXXX years ago I had done a modification of my mortgage at which time I started paying my new mortgage. In XXXX 2014, I received an amount due of {$0.00} at which time I called to find out why. No one could explain the reason there was nothing billed. In XXXX, the same thing happened. When I called again I was told there would be nothing due until XXXX 2014 and I still was not told why. After several more attempts, I just let it go and was then billed in XXXX 2014 for {$4000.00} which was not the agreed upon amount. My complaint is there is no one to speak with and no answer was ever given as to the reason nothing was billed.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: There was a break in and fire at a home i owned that was about to be foreclosed on. I was issued a check for an insurance claim in 2008. XXXX mortgage was a payee, along with myself. 2 months after the fire, the house was foreclosed on by HSBC Bank, which bought my mortgage, along with attorney XXXX at XXXX. The attorney asked me to mail the check to them, and they would sign it and return it. They said it was mine. I sent the check, the never signed nor returned it to me. years later, i find the check is still uncashed and the insurance company is telling me its unsigned and that i need to claim it I begin contacting the attorney, which wont call me back. I contacted the bank several times. I talked to people who identified themselves as XXXX XXXX, XXXX XXXX, XXXX XXXX and more. I contacted them on and off for a month and a half this year to no avail. They ended up telling me they could not help me, i needed a letter from them signing off from the insurance claim, so it could be taken care of. They told me to contact the attorney.. whom i contacted several times to no avail.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2015-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-05
Issue: Closing/Cancelling account
Subissue:
Consumer Complaint: 'Reporting a account they can not verify. I found a Charge off on my Credit report from HSBC for an XXXX Bank card. I disputed it with the CRA it came back verified. I than sent a letter to HSBC about this heard nothing back. I then called them and I spoke to a Customer Service Representative in the Executive Office. She informed me that your HSBC does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP. '
Company Response:
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2015-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: HSBC Bank USA sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( XXXX XXXX XXXX ).
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2015-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: debt was written off XXXX XXXX 2000 15 years ag0. resurgent capital servives now trying to collect.4 year statute in California..do I need to pursue legal action to get this stopped?
Company Response:
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2015-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No