Date Received: 2015-05-25
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: I was contacted by a dept collection company named XXXX XXXX XXXX from XXXX, NY. They called me posing as a government official within my county stating that they are serving me papers for a law suit to my home. I contacted the county and come to find out that its not true. They also are impersonating a fake law firm called " XXXX XXXX XXXX & XXXX. They mislead me into making a payment to them stating that they were suing me and I would like to bring this matter to justice.
Company Response:
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2015-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: ! ) forced placed insuranceBecause of forced placed insurance at a premium that is way above the market, followed by high demands of escrow account payments and suddenly substantially increased monthly payments, it was not feasible to make the excessive monthly payments. All payments have been made on time until HSBC started a forced placed insurance. 2 ) check fraud $ XXXXHSBC wrote a check without my knowledge and without my agreement and debited my account. The amount was recovered, but it is still fraud by HSBC3 ) HSBC Loan No. XXXX wrong status / wrong interest rateThis loan has been documented by HSBC as a XXXX loan, but that is the wrong status because it is the XXXX and only loan on property address XXXX XXXX XXXX, XXXX, FL XXXX. As a consequence the interest rate is way too high at 9.375 % I have reported this error since a long time and several times but it never got corrected. The interest should be the same as on Loan No. XXXX which is 2.875 % 4 ) credit report disputeHSBC Loan No. XXXX and Mortgage Service Center Loan No. XXXX reported over 10 consecutive months ( from XX/XX/XXXX to XX/XX/XXXX ) the same mortgage but under XXXX different loan numbers to the credit bureaus. This caused that my credit score dropped significantly and damaged my credit history substantially. The false information has been corrected. HSBC and Mortgage Service Center are responsible for the damage ( loss in credit score ).
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling XXXX XXXX that the debt was not my debt and please do not contact me anymore. XXXX XXXX than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to XXXX XXXX stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: HSBC sent me an email today telling me I had a statement ready to be viewed. I called HSBC and was told it was a savings account. When I called up I was told I had payment due in 8 days. They told me I owed {$2100.00} and there was nothing they could do for me.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2015-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX the mortgage company and the mortgage serving company have reported the same amount due on my credit report. This makes it appear as though I owe XXXX as much as the balance on my mortgage.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-20
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: I was contacted by mail on XX/XX/XXXX by the law firm of XXXX and XXXX. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. I had moved on XX/XX/XXXX and on XX/XX/XXXX so if they had served the paperwork to an old address it was n't to me. Furthermore I just received a phone call from one of their representatives at work. I think it will go a long way if the Bureau of Consumer Financial Protection contacts XXXX and XXXX and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.
Company Response:
State: CA
Zip: 91411
Submitted Via: Web
Date Sent: 2015-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: HSBC Approved my loan modification for two years. The terms of the modification are being violated for the following reasons:1 - Amount due on statement differs from the agreement. 2 - Payment funds are not being allocated correctly. Per agreement, {$990.00} should be allocated to principal and interest. Statement shows funds applied toward deferred interest and interest only. 3 - I have not received an explanation of the Overdue Payment of {$1500.00} for outstanding fees and charges. Please see attached documents and let me know if you could assist me. HSBC claims that the statements are automatically generated without taking in consideration the modification agreement. Thanks, XXXX XXXX XXXXXXXXXXXX
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2015-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: They are trying to tell me that I have fraudulent activity associated with my social security # and that I am being sued for {$1500.00}.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2015-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-19
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: I received a call on XXXX XXXX, 2015 at XXXX from a " process server '' working for XXXX on case number XXXX who said she has suit papers for me. She said that I needed to call XXXX with the case number. The representative stated I am being sued on a debt that 's over XXXX years old. When told the debt is " time barred, '' he stated the debt was re-aged and I could be sued for the debt. He also said I must pay up or take my chances in court. In fact, the debt is so old, it 's not even on my credit anymore, which they assure me will change.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2015-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No