Date Received: 2015-07-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: HSBC Mortgage Services, XXXX FL XXXX, Phone : XXXX ( Customer Care ) Loan single point contact person : XXXXWe have been attempting to secure a refinance of our home mortgage with another lender. HSBC has to provide the new lender underwriting department a letter regarding one aspect of our loan. They do not answer phone or faxed requests. When the occasion occurs that we actually do speak to a person they 'are n't sure ' or may or may not be able to help. These repeated requests have come from both ourselves and the new lender without response. They are obstructing our freedom to find a new lender to refinance at a better interest rate.
Company Response:
State: WA
Zip: 98375
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am negotiating a Short Sale and XXXX is my servicer. I have received several offers but they never seem to go through. I believe that XXXX is using fraudulent appraisals to make the house appear to be worth more. The house is destroyed without a working heating plant, with no kitchen and no appliances and yet XXXX feels that the house is worth more than houses on my same street that are in move in condition. I have attempted to convince them but they are doubling down on their fraud.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This company has put my account on a levy without any notification. I keep calling them along with XXXX to give me any and all proof that this is my account and they will not disclose to me.
Company Response:
State: PA
Zip: 19348
Submitted Via: Web
Date Sent: 2015-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 XXXX ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Company Response:
State: FL
Zip: 32750
Submitted Via: Web
Date Sent: 2015-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-22
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: XXXX has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX Court XXXX No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. I have provided XXXX attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is four years on credit cards ; however, the debt was approximately 5.5 years old when XXXX attempted to collect the debt by filing the lawsuit. XXXX XXXX, and thus XXXX, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a second copy of the contract using the CFPB Credit Card Agreement database. Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page 4 ( APPLICABLE LAW ). Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. Exhibit C - Letter from HSBC showing that last payment on account was apx. 5.5 years prior to the filing of the lawsuit. Exhibit D - Printout showing ongoing lawsuitXXXX XXXX XXXX XXXX XXXX No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.
Company Response:
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2015-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: A mortgage counselor submitted a financial package on my behalf due to reduction of income. I was laid off from my employer due to downsizing and requested a modification. I was later told by HBSC that i did not qualify and gave me very little explanation. I feel that I was not reviewed properly because they requested an appraisal for a short sale before they even told me that i was denied. HBSC also sent a breach letter via certified mail that was dated XXXX days prior to being mailed. I feel I was not treated fairly.
Company Response:
State: VA
Zip: 23222
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2015-07-17
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XXXX and the last time I had made a payment was XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2015-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Four years ago I entered into a forbearance for my HSBC mortgage. Worst thing I could have done. I was unemployed and it did a job on my credit. I pay {$1000.00} per month. Only XXXX dollars goes to principal. In 8 years I pad off less than XXXX. dollars. Now finally on my feet financially and they charge me XXXX prepayment penalty plus {$750.00} PMI for a close out. How can they charge me {$750.00} for PMI on a close out. That makes my close out XXXX which is more than my original mortgage in 2007. Something is wrong here.
Company Response:
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2015-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My bank HSBC has raised my fixed monthly mortgage payments over XXXX per month again without explanation. Fixed mortgage.Only thing I could get out of the many many phone reps i spoke to is my taxes and hazard insurance has gone up that much. NOT true-Increases amount to a few XXXX per anum total. I sent them ins & tax copies as I received from my brokers.HSBC left New York and I can no longer communicate face to face.When I paid the amount I had been paying every month they sent me a threatening collection letter demanding what they claimed I must pay.I filed same complaint vs. HSBC about a year or two ago and bank was forced to change my monthly billing back to correct amount. It 's extortion, I 'm a XXXX by the way but am helpless here.
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2015-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This compliant is against Beneficial Finance aka Household finance. This loan started in 1994, the loan amount was {$15000.00}. When the final payment was done, this loan cost over {$57000.00}. My C P A ' s report stated because of the companies over charges and late penalties this loan should been paid in full by at lease 10 years ago. When one mailed in a payment 90 % of the time they would not post it until they could charge a late fee, which they did over and over again. If you paid in person and received a receipt, no late charges. Also they breached there on contract by charging the improper interest rate. These are blatant, deliberate, and intentional actions breaching there fiduciary obligations as well as per R C W 31.04. XXXX. State. What is hard to understand why there is no government agency that has any regulatory responsibility to handle these egregious misuse, ( stealing ) of there bad faith. One can not even get a little, if any help from the State, or the Feds. The only help is to sue these financial companies. There are XXXX entities here with responsibilities, Poor enforcement of the consumer protection laws by the State of XXXX, and no help from the feds, there are laws on the books, I do not understand why the Government will not enforce them? The XXXX the loan company, it is very obvious these companies will not follow the government regulations with out direct enforcement. This Company Beneficial, Household Finance of XXXX XXXX are so unprofessional, they will not even return phone calls, return letters, ( they wont give you there E/Mail ) they will not even talk or give the balance of the loan even to my Title company. Sue them in small claims court be cause your attorney will not take the action because there is to much work for the amount of money, when you get to small claims, the attorney representing the defendant just has judge move the case to civil or superior court. If you are not and attorney you can not represent your self in those courts.So you are screwed. I seriously find a flaw in the government. When if u steal a candy bar one can get time to serve, but a company can steal thousands from the poor consumer and not be held responsible. We need some real help.
Company Response:
State: WA
Zip: 98273
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No