Date Received: 2015-04-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was notified that a creditor, HSBC, did not report to the credit bureaus my payments to XXXX since XX/XX/XXXX, XXXX, and XXXX XXXX since XX/XX/XXXX, even though they were all made on time. I have never missed a mortgage payment, and have been with them for ten years. After learning that this non-reporting does impact my score, I wrote a letter asking that they insert the payment information ASAP. They refused. HSBC account # XXXX contactXXXX.
Company Response:
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2015-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I changed accounts from which my driect debt was to be processed. XXXX processed the payment from my old account which caused an overdraft fee and a hit against me through XXXX. When I called them to rectify the problem I had to do the leg work to fix the issue. When asked to fix the problem with XXXX they did not believe me when I said that it would affect my credit.
Company Response:
State: NY
Zip: 14228
Submitted Via: Web
Date Sent: 2015-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Debt was forgiven, confirmation letters received, XXXX received, but lien is still on title. We have asked several times for lien release, we can not get any straight answers, and it is still not done, it has been more than 30 days. Debt was released in 2014.
Company Response:
State: OR
Zip: 97116
Submitted Via: Web
Date Sent: 2015-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-11
Issue: Rewards
Subissue:
Consumer Complaint: I have the HSBC Premier World MasterCard that has the HSBC Premier Rewards Program that states that I am supposed to receive XXXX point for every net dollar that I purchase with the credit card. However, the program is not correctly counting the points on my account and this is not the first time that I have noticed and complained about this problem. 2 years ago I had the same problem, I contacted the HSBC Premier Customer Service and they were able to fix the problem and correct my points balance, however, this time, I have contacted the same Customer Service and they keep saying that the balance is updated but it is impossible that this information is true and this is why : - My points balance on XX/XX/XXXX was XXXX points. - In the period of XX/XX/XXXX-XX/XX/XXXX I had a total of USDXXXX in new purchases which means that I should receive XXXX new points. - However, as of XX/XX/XXXX my points balance is XXXX points and I have n't used any points since XX/XX/XXXX, which means that in the period of XX/XX/XXXX I have only accrued XXXX new points. - If I was supposed to receive XXXX point for every net dollar in new purchases and in the period of XX/XX/XXXX-XX/XX/XXXX I should have received XXXX new points based on my new purchases for the same period and I have only received XXXX points, this means that I am MISSING A TOTAL OF XXXX POINTS ON MY BALANCE POINTS. I have contacted the HSBC Premier Customer Service by email, which they never responded and I have contacted them by phone, and after 1 hour long of waiting, they still have n't acknowledge the problem or even given me an explanation for why I am missing XXXX points. This is not my first problem with HSBC Premier and it seems like that every time that there is something wrong with my account or any product that I have with this bank, I have to always find an outside source to be able to help me resolve any issue with this bank.
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2015-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: Debt is stale, from 2003. Original debtor discharged this debt ; XXXX collection agency has failed to provide verification and that debt was sold to several different companies.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: HSBC Bank account # XXXX was opened XXXX XXXX, was paid late XXXX, XXXX, XXXX and XXXX of XXXX. HSBC Bank reported to XXXX on XXXX XXXX, XXXX that account would be deleted XXXX XXXX, that the account was only late between XXXX of XXXX and XXXX XXXX. That the current status was '' Foreclosure started '' as of XXXX XXXX. As of XXXX XXXX, XXXX, the account is still reported to Experian with the early late payment history DELETED. Effectively re-aging the account to report after the state of limitations. A violation of Fair Credit Reporting Act. The date of first delinquency is misreported and inaccurate. The payments marked OK 's or Paid on time for XXXX, XXXX, XXXX, XXXX of XXXX are all inaccurately reported. No payments were made on time in XXXX. A payment history was request from HSBC Bank over 6 months ago, with no response. Then in a XXXX XXXX, XXXX XXXX report, HSBC Bank reported account # XXXX is not deleted, as previous stated on the XXXX Reports.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2015-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-09
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I have instructed my Bank ( HSBC ) on XXXX XXXX, to do a wire transfer amounting to XXXX XXXX. to my bank account in XXXX. The conversion rate taken is USD XXXX = XXXX. However as per the attached sheet the rate of USD XXXX = XXXX ( the same day ) I understand that the bank take a % but it is too much. I would like the bank to reduce the %.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We are trying to Refinace our mortgage with our bank in our home town, and Beneficial ( my current mortgage holder ) will not produce the proper papers to show payment history. We have been fighting with this company for years and requested this paper work on XX/XX/XXXX. Had a conference call with them yesterday XXXX XXXX were they told us and the XXXX XXXX XXXX bank collector that in XX/XX/XXXX, we missed XXXX payments! There is only XXXX months in a year ... But then they said for XXXX months all of our payments were past XXXX days late! Th n it was said again by beneficial that it was because we were in bankruptcy ( our mortgage was NEVER in the bankruptcy, we continued to pay them our selves. After a year of us being in our bankruptcy beneficial decided to punish us by taking away all of our online access to our account, we could no longer view our account we also requested that they prove to us we were late and were told that they could n't release any information to us about our account! So now they know, as I have made it very clear to them that we want out from under them. Now they have made me lose a business opportunity ( as that loan was going to get rolled into our new mortgage ). I have been out of work since XXXX and am having surgery tomorrow and have now been put into a financial crunch because I no longer have an income and will not be able to work for at least another XXXX months.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-07
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Have tried to retrieve a final insurance inspection report from HSBC insurance area and they refuse to give me a copy or forward a copy to the insurer. To prove to the insurance company that the first claim was completed 100 % - I ca n't get the new claim processed. It seems like it relates to my property and I should have access to this document. Please help -
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2015-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies. In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I mailed XXXX XXXX XXXX XXXX a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. They received it around the end of XX/XX/XXXX. In XX/XX/XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. I allowed two months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed XXXX XXXX XXXX XXXX XXXX that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's XXXX XXXX XXXX XXXX. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XXXX.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2015-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No