Date Received: 2015-06-25
Issue: Other
Subissue:
Consumer Complaint: HSBC Bank Nevada did not provide a copy of an alleged contract ( Terms and Conditions ) upon request, despite listing an alleged debt based upon said alleged contract on at least XXXX credit bureau reports. I do not concede the validity of the debt, but would like to see the alleged contract so I can respond appropriately.
Company Response:
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2015-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-26
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Consumer Complaint: There is a credit card that was issued by Household Bank. The debt went bad. I settled this debt with a debt collector years ago. I received a call from a collection company or attorney in Florida stating that they were going to have me arrested for Fraud. I spoke with an XXXX the first time. She would not give any information and started insulting me. I told her I was going to file a complaint with the FTC and my state 's attorney generals office. As I was filling out this form I called back to ask the address of the firm. They forwarded me to another person named XXXX. He was very argumentative and told me that they do not give out their address. After he continually asked me why I wanted to know their address, I finally told him it was so I could forward the information to my attorney generals office and the FTC. I said I do n't really need it but the form was requesting it. His response was that I apparently have everything I need. He then stated " also, do not contact this phone number again ''
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2015-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-23
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: XXXX XXXX, XX/XX/2015Dear CFPB, I use the HSBC bill Pay from my checking account. On XXXX XXXX and XXXX XXXX I made XXXX payments. They mananged to pay the XXXX ... but I am still missing {$2000.00}. XXXX XXXX : {$120.00}. XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX have now spent over XXXX hours on the phone with HSBC associates and they now say its the Bill Pay vendor that is the problem and they are trying to trace my money. HSBCs vendor is their problem -- HSBC is responsible for paying my bills. Today I have now ( after XXXX more min on the phone today ) requested that the {$2000.00} be returned to my account ... HSBC says that they may be able to return {$1000.00} -- to my account -- in the next few days., but the other payment XXXX XXXX. ( bills are to be paid in XXXX bus days ) .has been processed and I will need to wait yet another XXXX days for the bill to be paid. I pointed out that this will mean that they have held {$1000.00} for XXXX days. My Credit card, has not received this payment.. Today the HSBC associate said that they had a new BillPay service and that I was suppose to " refresh '' my Bill Pay list, however he could not tell me what I had to do to refresh the list. All of my payees remain the same ... The only changes have been internally at HSBC. I have done everything I can possibly do ... Over the weekend I spent XXXX hours on the phone with HSBC, I have excahanged Bank Mail. XXXX XXXX HSBC associate hung up on a conference call with my Credit card rep. XXXX At this point I dont know what you can do, but I wanted to register this complaint.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-23
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I have been paying Beneficial Member HSBC Group for the last XXXX yearsand I am in the final year of payment. I just found out that BeneficialNEVER reported this to the Credit Bureau. Is this legal? I have nevermissed a payment nor been late. This is XXXX years that should have beenon my credit report. Please help!
Company Response:
State: TX
Zip: 77550
Submitted Via: Web
Date Sent: 2015-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was relocated to XXXX by my company, and was issued benefits through a relocation company ( XXXX XXXX ) that included benefits with the sell of my current home. In XXXX 2015 I started the process to sell my home, I had to go through a number of inspection and repairs before my house was able to be placed on the market. Once under contract, paperwork would be done between the relocation company and myself.Then how it works is, I sell the house to them, and then the sell of the house would actually be between XXXX and the new buyer. I went under contract in XXXX, and was advised by the relocation company not to make the payment they would take care of everything. Apparently the first check sent to HSBC was received at the Dock according to the USPS but the payment never applied to the account. XXXX did a stop payment after 2-3 weeks and sent another check overnight. Which at that time, it was already late.Then there was a problem with the attorney and they had to get a new XXXX, which delayed us about a week or two. I signed the contract selling my home to XXXX on XXXX/XXXX/2015 and was issued a settlement check on XXXX/XXXX/2015 for the proceeds from my home. I was told I was done with the house, and even if it fell out of contract, I was no long responsible. The buyer did have trouble and it took longer to close, so XXXX was responsible for making the payments. XXXX was sending the checks for my mortgage payments. Unknown to me they made XXXX of these payments late. Worried about my credit, a called and spoke with a gentleman by the name of XXXX XXXX, to repeatly be told that my credit would n't be effected, the late fees would be reversed and even sent me a letter confirming our conversation. Later to find out my mortgage was report late for XXXX months. Since then, I have made a number of phone calls and sent contracts, settlement statements, the letter from XXXX, letter from XXXX accepting responsibility. I faxed papers, I have done everything to get this fixed and know one will help. This is effecting my credit, and now I am unable to obtain a new home loan based on the fresh mortgage lates reporting on my credit report.
Company Response:
State: CO
Zip: 80234
Submitted Via: Web
Date Sent: 2015-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a mortgage through House Hold finance Member of HSBC Group. I am wondering if I qualify for some kind of relief due to predatory lending practices? I have paid this company approximately {$110000.00} since XX/XX/XXXX-XX/XX/XXXX. I still owe {$66000.00} for a property that is assessed at {$69000.00}. I have no equity built up so that I could refinance with another banking institution. No one will help me get away from this lender. The local branch office closed years ago. There is no one to contact any longer. I think the home office is in XXXX. I really do not know.The last time I spoke with someone, it took weeks because I had to use regular mail. The phone numbers on my statements only lead to menus and not a person to speak with. The web site is a joke of looped links that offer no help.They told me that I can not refinance with them any longer because there is no equity. ( No kidding! They absorbed it! ) Are you able to direct me on what to do? I do n't want to lose my home and am close to retirement ( XXXX years ).
Company Response:
State: PA
Zip: 19604
Submitted Via: Web
Date Sent: 2015-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-22
Issue: Closing/Cancelling account
Subissue:
Consumer Complaint: I had a credit card for XXXX years and paid my balance each month. The card was with HSBC. For some unknown reason, they closed my account. I called them when my card did n't work and they stated they had no idea why but the account was closed and I 'd be informed in writing of this within XXXX days. They told me they could n't do anything. I would like to know why they are allowed to close accounts on people who pay their bill each month.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXXConsumer Financial Protection BureauRe : XXXX XXXX XXXXDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company XXXX XXXX XXXX that I been trying to repair since XX/XX/XXXX. I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. Sincerely,
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I received a " FULL SATISFACTION & RELEASE OF JUDGEMENT '' from the circuit court of the county I lived in, at the time for an account I settled with them for an HSBC credit card. A month later, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX stating I had a balance to settle with HSBC and they threatened taking me to court and garnishing my wages. I panicked and settled the account with their office. I had XXXX different credit cards from HSBC and figured it was for the other XXXX. A few months after that, and just a couple months ago another agency contacted me trying to collect on this same account. I had the release of liability from XXXX XXXX XXXX that I was able to fax to them so that they would cease and disist on further collecting on this account. Now, an office is trying to collect on an account with HSBC that I never had and does n't even appear in my credit report. That lead me to dig up all my papers and look into whats going on. This is how I just noticed that the account I settled with the circuit court and the account with XXXX XXXX XXXX was for the same account! I called the law office from the first time it was collected through the circuit court, and the lawyer told me that I should contact XXXX XXXX XXXX and demand my money back and that if they would n't comply I would need to get a lawyer. How is it that anybody can get this information and con people into paying it again? Like I said- few months ago another agency tried collecting on this account yet again from another supposed collection agency. This has been taken care of twice, to my dismay, and twice more someone has tried to collect on it again. I had a lot going on at the time, when I paid the account off for the second time, so it did n't even click in my head to check if it was the same account or the other XXXX I had with HSBC. And with the threats, it made me panic and just want to get it over with. I 'm hoping to recover what I paid the second time around, because it had already been paid.
Company Response:
State: IL
Zip: 60133
Submitted Via: Web
Date Sent: 2015-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My husband and I did a modification on our loan. I signed all the papers. Now since my husband passed away XXXX/XXXX/2014 a Veteran ( XXXX XXXX, they refuse to give me any information stating I am not on this loan and have NO financial obligation to them. This is my home for over 38 years. I would like to refinance this loan to lower my monthly payments to be able to handle my monthly bills, etc. I have had an attorney look up all the public records and I am on the recorded properties. The attorneys are baffled themselves.
Company Response:
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2015-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No