Date Received: 2015-07-13
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: In close succession, XXXX ACH debits hit my HSBC checking account. The XXXX ( on XXXX/XXXX/15 ) exceeded the balance of my account and was thus not paid ( reasonably so ). There were sufficient funds for the XXXX transaction ( on XXXX/XXXX/15 ), however, HSBC also did not make payment on this XXXX transaction because they had temporarily removed the funds from my account from the XXXX ( XXXX ) debit resulting in a negative balance even though they did not make payment on that debit. This temporary reduction of my balance not only led to to a legitimate debit going unpaid but also allowed HSBC to charge additional fees in a predatory manner.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX from HFC calls my cell phone as well as the phones of my family members threatening me every day on debt that I DO NOT OWE from 2005.
Company Response:
State: KY
Zip: 427XX
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received a notice to pay {$1000.00}. It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. THE original account # : XXXXCreditor : XXXX XXXX XXXX, XXXX. XXXX Account : XXXX Creditor : XXXXDear CFPB : The credit card I once had with XXXX Bank was closed after 10 years. The account was in 2004.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-10
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: Over the past few months I have received numerous calls XXXX and they have on multiple occasions stated they were a law firm, and that they had a court order. When I asked for a copy of the debt they say I owe they wo n't mail me XXXX. Then they called and said because they noticed I was a federal employee that they would immediately garnish my wages because of the court order and make me look bad to my new job. The debt is long past collections limits.
Company Response:
State: CA
Zip: 95521
Submitted Via: Web
Date Sent: 2015-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-09
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: I received a voicemail from someone claiming to be from an attorneys office. Saying I would be served a summons to appear in court over regarding a lawsuit. So when I call back the number they provided XXXX the person was rude and trying to rush me to settle out of court saying it would ruin my credit score. They had personal information such as my name last XXXX of my social and address available. The debt they claimed to be mine was no where to be found on my credit report so it is not a valid debt. I am concerned that this is most definitely a scam
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2015-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-08
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: My credit card was used fraudulently twice within the past XXXX months. And my debit card was used fraudulently just the other day.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2015-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: HFC ( household Finance Corporation ) fraudulently altered loan amounts and property description from originally agreed on terms. They foreclosed and proceeded to evict without repairing the fraudulent numbers. I committed the contract to rescission in 2007, when HFC refused to address any of the issues. Since then, they have continued to force us to abandon the property ( illegally, because there are XXXX other property owners on the fraudulently sought after acreage ) by threats, foreclosure, false trustee sales, and writs for eviction.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2015-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Beginning XXXX 2014, my income was reduced and I began having difficultypaying my mortgage. I applied for Loss Mitigation to try and reduce my monthlymortgage, however in XXXX months time, HSBC never reviewed the requireddocuments. They kept writing me saying the documents were old, and I had tosend more recent ones. When I did send more recent ones, they were neverreviewed in the time frame needed, and they kept asking me to provide morerecent documents XXXX bank statements XXXX. I worked with a mortgage specialist there, XXXX XXXX, who made sure I faxed the needed documents in time. He confirmed each times that he received my documents in time, and that I would hear from them with an answer in XXXX days. This happened at least XXXX times since XXXX 2014, but my application/documents were never reviewed, and I kept gettingletters from HSBC, saying my documents were old and I had to send more. At thispoint, my entire mortgage is now due, and my mortgage account has gone to theattorneys for foreclosure. I really needed help from HSBC with loss mitigation, however it seems they really are n't trying to help the customer with lossmitigation applications. It 's also often VERY difficult to reach the mortgagespecialist assigned to you, which also can delay the process. It 's unfair nowwhat has happened to me as a result - I waited at least 4-5 months sending themrequired documents on time, and they never even reviewed them. Now I stand tolose my home. Something 's drastically wrong as they make a commitment to helpcustomers, but they do n't hold up their end. Can someone make them keep theircommitment to help me? After the Florida Atty. General investigation, I received a response from the Vice-President of Customer Disputes, XXXX XXXX XXXX. However, her information given was certainly NOT parallel with the information I received from XXXX XXXX, the Mortgage Specialist, nor his supervisor XXXX. XXXX XXXX Office XXXX Customer Disputes XXXX stated the reason why my loan applications were denied, were the following:1. My bank statements had a " third party '' name XXXX joint account with my husband ). 2. I submitted bank statements from XXXX different banks XXXX which I use all actively ). 3. I did not submit my prior years tax return ( I was never asked for this item ). These XXXX apparently required items ( above ) for the application were NEVER communicated to me by XXXX XXXX communicated to me by XXXX XXXX XXXX XXXX Mortgage Specialist ). XXXX XXXX viewed the documents I submitted, and communicated that I would receive an answer within 2 weeks. He communicated this to me each time I submitted further documents XXXX several times XXXX. He NEVER mentioned the XXXX items noted above. if I 'd known these items were required, I would have made the necessary adjustments much earlier, and had a better opportunity to finally complete my application. However, the only information I repeatedly received from XXXX XXXX, was the the documents were no longer recent, and I needed to re-submit recent documents, which I did several times in a timely fashion ( XXXX XXXX confirming the receipt of my documents in the given time frame with each submission ). I ca n't help but ask, where and when did these apparently new requirements emerge? And why was I never informed? Were these merely presented in response to the Attorney General 's Investigation into my complaint? Why was I never informed of these requirements, or given full disclosure as required by law? Or have my rights to full disclosure been violated? Hence, seeing this pattern continued for months, and not being given the proper information XXXX the XXXX items numbered above ), my mortgage account is now completely delinquent, and will be dated for foreclosure soon. I 've done everything in my power to bring attention to this matter, in making a much needed application for loss mitigation.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2015-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: First your site timed me out while typing so I now have to type my complaint again. I do not type quickly as I have an injury that caused a XXXX as is now finally healing so please adjust your site to ask if the applicant needs more time. My complaint was filed with your agency before and also with the Florida Office of Financial Regulation twice. All were closed without a proper response by HSBC Bank. HSBC did an illegal modification of my home equity line agreement which was on time and up to day with additional principal payments in XX/XX/XXXX without benefit of income verification nor my acceptance in accordance with their own home equity line agreement. I was denied XXXX times for modification with the reasoning of too much income, too little income, and no income. The latter was for a program designed for borrowers anticipating receipt of future income. For me this was Social Security XXXX which I was later awarded. Yes, I was declined for having no income at the time of application. I advised XXXX XXXX of HSBCs intent to foreclose. I was advised they never knew about it so they wo n't do anything to stop it. I worked for XXXX XXXX since XXXX Bank. I made sure that HSBC received the completed subordination agreement in XX/XX/XXXX and when the modification of my XXXX mortgage was applied for they were again notified in writing. I have a copy of the XXXX XXXX file provided by the XXXX XXXX Modification Department. These copies show they were notified yet they do not want to do anything. While recovering from significant injuries sustained in a car accident caused by an older man with cataract and subsequent complications to XXXX XXXX XXXX, XXXX XXXX, and XXXX, I still paid these inflated payments with reduce income exhausting my personal savings and my retirement in the process. This als had a negative impact on my credit history bringing my nearly XXXX beacon score down to XXXX. I am a XXXX by profession. I had several job offers given my experience and references, but once my credit was reviewed, the offers employment were withdrawn. I was previously well respected in my field. This was heartbreaking on the top of injuries to loose what I had worked so hard for and not be able to support myself. I was forced to accept a position as XXXX earning {$XXXX} from my prior low income of {$XXXX} as they did not review credit. This violation of my rights has caused me significant hardship. I have been in contact with the office of Congressman XXXX XXXX XXXX. A representative, XXXX XXXX XXXX, has consented to assist me as she feels strongly that my rights have been violated. She has copies of my Heloc agreement, the Intent to foreclose, the previously filed complaints and other documents. I am currently awaiting a response to a message I left advising that I had obtained the XX/XX/XXXX - XX/XX/XXXX bank statements from from XXXX XXXX Bank on an account I closed in XX/XX/XXXX. I am confident now that with both the Congressman 's office and the Bureau of Consumer Protection on my side that there will be justice and HSBC will be held accountable for violations and they injustice they have perpetrated on an innocent consumer.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2015-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-07
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have contacted beneficial about releasing a lien that should have been removed since 2003, I have called and faxed requests and unable to get someone to help me. The representative is stating they will send a release to the local court house, I had a local title company search and still show a lien, whywhy have the taken so long to release it, it is still showing a lien by beneficial hsbchsbc
Company Response:
State: TX
Zip: 78363
Submitted Via: Web
Date Sent: 2015-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No