Date Received: 2015-06-09
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: They claim they are from a clerks office with legal documents, for me, and want to take me to court. i asked to speak to speak with a supervisor. I was transfered to XXXX today. he told me my number was removed in XXXX. i told him I just received a call and he asked if this was me, and i replied yes. He then replied well that 's why we are calling. I inquired as to what this was in regards to, and he said an HSBC account. I advised him that even if i owed money on the account that the statue of limitation had expired, since i have not had this account since 2004. He advised me that it does not matter i still owe the money and they will continue to call. i asked for the company name and address so that i can send a cease communication letter. He refused to provide it and told me that i am a deadbeat, and the reason the economy is so bad. I also asked for a bill or verification letter, and was advised they have already sent them, and it is to late to receive anymore. They have also started calling and harrassing my wife today. Listed in order from the last call to the first is the numbers they have provided to call back. When they call it says no caller id information is available. XXXX, XXXX, XXXX.
Company Response:
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-08
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I have a 35 year old CD ( Issue date XXXX XXXX, 1980, initial deposit amount of {$200.00} and 12 % a year ) and I need help accessing the funds. The CD is in my great grandfather and great grandmother 's name ( XXXX. XXXX or XXXX XXXX XXXX ) and the issuing bank has been acquired multiple times in the last 35 years. The initial bank was XXXX, according to the FDIC 's website, after a string of acquisitions, the current institution is HSBC Bank USA , National Association. Please contact me with the best possible action to take to get access to the funds. Thank you.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2015-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I believe the company to be a scam, and trying to get money out of me. Contacted me on a " XXXX year old debt '' that I 've never heard of until now.
Company Response:
State: MD
Zip: 21601
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Back in XXXX, we filed Chapter XXXX bankruptcy of which our cars and mortgage were not included and were reaffirmed. Payments have been made and continue to be made yet our credit reports do not reflect them, which is affecting our credit. HSBC has put us under the " bankruptcy '' customer service umbrella and refused on numerous occasions to change our account status. They are in direct violation of the federal court order. That and our bankruptcy was discharged approximately XXXX years ago. The bank will not allow us to make payments online based on this fact. I have tried several times to dispute this but to no avail.
Company Response:
State: IA
Zip: 52404
Submitted Via: Web
Date Sent: 2015-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contacted the collection agency and we agreed to settle the account at {$250.00}. However, they tried to force me into giving them my banking information which I did not feel comfortable doing specially because they refused to send me a letter confirming the agreement of {$250.00} before making the payment. I sent them a check and a note indication that the check of {$250.00} was for full and final settlement of the account. I also put on the front and back of the check that this payment was for full and final payment of account ending in XXXX which they cashed. I then called the collection agency to request a settled in full letter and they refused and was asked by the manager XXXX XXXX to pay an additional {$200.00} to settle my account. I can provide proof that the check was cashed on XXXX/XXXX/15.
Company Response:
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2015-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX I purchased my home. In XXXX, I refinanced that home. Today, in XXXX, I am in a short sale. The reason is because my bank would not lower my 8.5 % rate to a more affordable rate. Yet, they are accepting a lower than market sale price. This makes no sense. I am being displaced so they could get less money for a home I was willing to pay completely for, just at a lower interest rate. I have exhausted all HUD options ( frankly there was only XXXX I qualified for ) and have done the deferrals with my bank. A lower rate is ALL I wanted.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-30
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I bi-weekly send my bank deposits from my wife 's account, and it takes forever ( five to nine days ), for my account to be credited. Well, you can guess what happens in the mean time. While they do pay checks I 've written, I get charged {$35.00} for each check processed and this can devistate my account. I 've checked my wife 's account the next day and find the funds have been deducted. If this is done on a Friday, they will take until the following Thursday to credit my account. This goes on even though I get bi-weekly deposits from XXXX, and monthly deposits from XXXX. This last credit took nine days for them to process, and credit me. By the way the bank is HSBC, having bought XXXX XXXX Bank that I was originally with, since XXXX! If I did n't live in a state where they have no branches, I could walk into a branch, have the manager o.k. the check and get immediate credit for deposit. The checks I send them have never been returned! Never! How do they get away with this?
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Spoke with a random Beneficial HSBC mortgage agent on the phone on XXXX/XXXX/2015 to ask about a reduced interest rate for my mortgage, yes we can do that. Received letter dated XXXX/XXXX/2015 offering a Loss Mitigation Application trial period. If I were to meet the XXXX payments in the trial period, my loan interest rate would be reduced to 8.422 % and a reduction of {$170.00} in mortgage due per month. I called the number on the letter and asked what is the catch? No, catch, we want to do this for you. My gut said something was fishy but I wanted a lesser interest rate and monthly payment, I paid the three month trial period. When I finally got the actual paperwork on XXXX/XXXX/2015, it was too late to back out, if I did, I lost the three months that I have already paid, which they would not apply to my mortgage, meaning, I was paying XXXX each month for XXXX months. What I thought was too good to be true, was. During this time, my mortgage specialist agent was switched to a different woman. She was extremely defensive, stating that she was just doing her job. Another red flag. Now, I have another negative reporting on my credit rating, Beneficial has the Deed-in-Lieu of Foreclosure on my house and will send me a XXXX for XXXX for the 2015 tax year. I signed the papers and returned them because I could not afford to pay three months mortgage XXXX. I am mad that I was taken advantage of. Yes, I should have had a lawyer look at it for {$250.00}, that is my error. I would like to have this corrected and stopped so that other people like myself, hardworking, just trying to make ends meet and have the XXXX dream of owning a home and making an honest living do n't have to have the stress and anger that I experienced with Beneficial. I have all of the paperwork and names of the persons that I spoke with at Beneficial that show every step of the way. Thank you for your assistance with this. I hope that my story will help others.
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX I opened a Line of Credit with Household Finance Corp XXXX. According to HFC my last payment was XXXX XXXX which is also reflected as such on my credit report. I contacted HFC on XXXX XXXX, XXXX at which time XXXX informed me that my loan was closed. She said it was charged off and had a zero balance, I asked to have the Deed of Trust removed from my title and she told me to submit a written request for a release. I faxed the request that day. I called to follow up on XXXX XXXX, XXXX and spoke with XXXX. He claimed they had not received the request and asked me to fax it again which I did that day. In talking with XXXX he confirmed the info XXXX had given me, On XXXX XXXX, XXXX I spoke with XXXX who confirmed the info both XXXX and XXXX had given me only this time he also said that a release had been sent to XXXX County. I trusted that this had been completed and unfortunately when I checked my property records I did n't see it, On XXXX XXXX of this year I spoke with XXXX at HFC and explained all the history on this account. She confirmed again that the loan had been charged off and instructed me to fax a letter asking for a " Paid in full '' letter. I called on XXXX XXXX to confirm receipt of letter and spoke with XXXX, Once again he confirmed that the loan had been charged off and was showing a XXXX balance. He asked me to fax in a letter requesting a release and this time asked me to also send the deed of trust, I faxed both that same day. I was told it could take 15 days so I called on XXXX XXXX and spoke with XXXX she also confirmed the loan had been charged off and informed me that it could take several days before my request would be entered in their system and that they were behind. She said that it would be sometime between XXXX XXXX and XXXX before they would even see it on their screen. XXXX also instructed me to not send another copy because it would delay the process further. During my conversation with XXXX she told me that a reconveyance was sent to XXXX County on XXXX XXXX, XXXX and that I needed to call XXXX County which I did. XXXX County had not received anything in regards to this Deed of Trust. On XXXX XXXX XXXX at HFC said my request had been uploaded and had been assigned to someone but there was a 15 day turn around. He confirmed the info XXXX had given me in regards to a release being sent to the County on XXXX XXXX but could n't comment further and a supervisor was n't available, I made follow up calls on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Each time they told me to allow more time for processing that they were behind and that my request was being processed and I asked each XXXX of these people if there were any problems with it getting done and they all said " No they were just running 15-30 days ''. On XXXX XXXX I spoke with XXXX who confirmed my loan had been charged off, showed a zero balance and my request was processing. I asked to speak to a supervisor, she gave me to XXXX who said my release was " on hold '' because the " Trustee '' they used for Washington went out of business and they did n't have a new XXXX. She could not give me any indication as to when my request would be completed. Later that same day I decided to call again and this time spoke with XXXX who told me that my loan had been sold to XXXX XXXX whom I have never heard of nor received correspondence from. XXXX said they had mailed me a letter in regards to this. I never received such letter and after pushing she finally told me that it was sent to XXXX XXXX XXXX. The letter is dated XXXX XXXX, XXXX this is impossible because I did n't give HFC updated address until XXXX XXXX, XXXX. It has never been mentioned in all of these calls that that my loan had been sold and I have never heard anything from XXXX. I have always contacted HFC. I believe this has exceeded the statue of limitations.
Company Response:
State: WA
Zip: 98042
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am a XXXX. I own block/lot # XXXX in the City of XXXX, New York. I use my social security and retirement benefits to pay my mortgage. My mortgage companies are HSBC Bank USA , N.A . ( mortgage co. ) and XXXX ( servicer ). I pay a monthly amount into escrow for my mortgage. They are supposed to use that escrow account to pay my property 's taxes and insurance. In XXXX, I had received notification from the City of XXXX that XXXX taxes were in arrears ( attached ). In XXXX XXXX, I sent XXXX the bills, and I also wrote them several letters ( attached ). After no response, I filed XXXX complaints with the Consumer Financial Protection Bureau in XXXX XXXX ( Case # 's : XXXX and XXXX ). I received a letter from the mortgage companies on XXXX XXXX, XXXX ( attached ). It said that according to their records NO TAXES were due on the property. They considered the matter resolved. The letter came from XXXX XXXX XXXX, Asst. Vice-Pres. of HSBC ( attached ). Therefore, your Bureau took no further action. However, on XXXX XXXX, XXXX the City sent me another letter stating that the XXXX taxes are STILL in arrears ( attached ). Also the City is charging fees. The City has placed my home on the list of in rem foreclosures! The City will sell my house, and will not take the property off the foreclosure list until the tax is due. The City says it sent XXXX several letters since XXXX XXXX, without a response. The City also claims it sent a copy of its XXXX XXXX, XXXX letter to XXXX. In XXXX XXXX, I again contacted both HSBC and XXXX several times, but as of today the taxes remain unpaid. The City states that it has sent XXXX numerous letters during the XXXX years that the taxes have been due. The City 's letter itemizing the following fees to be paid : {$1200.00} ( back-taxes ), {$440.00} ( late fees ), and {$250.00} ( in rem proceeding costs ). When I contacted XXXX last month again, they told me they would " research '' the matter. I told them I would NOT pay XXXX XXXX mortgage payment of nearly {$1700.00}, because I wanted to use the money to instead pay the nearly {$1900.00} due in back taxes and fees ( as an offset ). XXXX stated that if I did so, they would begin separate foreclosure procedures against me for not paying my mortgage! So I paid the XXXX XXXX mortgage payment to XXXX. Yet, when I spoke to XXXX again, they said they had " no record '' that any taxes were in arrears! They are claiming they never got any letters from the City. I need help, before they take my house. I also want to file a RESPA action against the XXXX mortgage companies. I can not continue to endure this XXXX.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2015-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No