Date Received: 2015-03-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage company HSBC say I owe one month back mortgage and I do n't and they keep sending me letters saying that I 'm past due one month.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2015-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: I received my income tax in 2010 through XXXX on a card loan through HSBC bank. I purchased a insurance throught XXXX if anything on my taxes were wrong they would cover it. Well HSBC Bank is saying XXXX over payed me XXXX dollars. I told them I had the insurance through XXXX and I contacted XXXX and they told me they will handle the problem. Well HSBC refused to talk to XXXX to get the problem taken care of. I could not get the problem handled without them letting XXXX getting involved so it became at a stand still. XXXX tried to cotact them and they would not discuss the matter with them. HSBC reported to the credit agency they sent us up with payments and we never made payment saying I was late and missed XXXX payments. WE NEVER MADE A PAYMENT AGREEMENT A ANY TIME. I have filed bankruptcy and included HSBC in my bankruptcy since they would not comply with XXXX. They are 5 years after bankruptcy they are still showing on my credit report I missed and was late on XXXX payments. They have no proff I was late or missed any payments. Now this is stopping me from getting a home equilty lone to purchase a home for my family. Pleas HELP Thank you XXXX XXXX
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2015-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Due to a court order from my divorce, I either have to refinance my home or put it on the market by XXXX XXXX, 2015. I spoke with an agent at XXXX bank who has me locked in at a rate as of XXXX XXXX, 2015. On XXXX XXXX, 2015, I 've been dealing with an HSBC agent and inquiring about my account and wondering why they had continued adding interest on the back end of my loan. She called me back the following morning and said that it was incorrect and that she would look into it. I have been telling her that time is of the essence and as of today, XXXX XXXX, 2015, it 's just now going up to another level because it 's not being taken care of. " TIME IS OF THE ESSENCE. '' I need your help on this matter because from what I see, I 'm going to loose my rate that I 'm locked in on and if I had sold it, I could have very easily lost that deal due to insufficient knowledge of a bank that holds not only my mortgage, but millions of others. Knowledge of something that they should know. A bank that has not given respect to a long time customer and XXXX that is trying to fulfilled court orders. Please help! Sincerely
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I paid off my mortgage with XXXX Mortgage Service Center. The payoff funds were sent overnight mail by the title agent on XXXX XXXX, XX/XX/XXXX and posted on XXXX XXXX, XX/XX/XXXX. Since the payoff amount of {$200000.00} was valid through XXXX XXXX, XX/XX/XXXX, I paid an extra day 's interest of {$25.00}. My escrow account balance was {$1300.00}, therefore my refund should have been {$1400.00}. The check I received from XXXX Mortgage Service Center was for {$1000.00} dated XXXX XXXX, XX/XX/XXXX. This amount is incorrect. Due to a separate complaint issue I filed with the CFPB regarding XXXX Mortgage Service Center earlier this year, XXXX separately agreed to refund a paid processing fee of {$370.00} for a release of liability processing fee I paid which had nothing to do with my escrow balance ( separate account : escrow account versus paid fee ). Since XXXX Mortgage Service Center could not process my release of liability request timely and requested documents not applicable to my specific situation because of my recorded oral stipulation for divorce and recorded quick claim deed ( validating no financial exchange and my need to refinance ), I elected to finally refinance with another lender due to the multiple servicing issues I had experienced with XXXX Mortgage Service Center. This is the primary reason why I refinanced with another lender ; simple processing tasks for some reason were not handled properly by XXXX Mortgage Service Center. Although I spoke to several XXXX employee 's during this process ; they really just do n't seem to truly understand the process being conducted.
Company Response:
State: NY
Zip: 14127
Submitted Via: Web
Date Sent: 2015-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: HSBC ( formally Household Finance ) has been a thorn since I purchased my home. It was predatory XXXX loan that eventually had an interest rate that exceeded 13 %. I eventually got a modification and have been paying my note on time since XXXX that included a 36 month payoff of taxes and insurance they said I owed. I paid the extra from XXXX through XXXX ( XXXX XXXX payment to the ancillary was for {$590.00} and even higher amounts as noted on XXXX page of the " house note log '' included ) even after I received a letter XXXX XXXX stating it would be placed on the back of the loan per government regulation. I wanted to be done with it so I paid it off. In XXXX I received my new mortgage amount based on my lower escrow cost and by XXXX I received another letter stating that I would pay {$100.00} for lender advanced taxes that I had already paid off during the XXXX 36 months of the modification. I have kept all my payments and letters from them but it will take time to put the years together. When I called to inquire about this they told me that I still owed over {$3000.00} and had only paid ~ {$300.00} which is not true. This company appears to be attempting to swindle me out of funds I really do not have. I have sent them a letter requesting my loan activity since XXXX which will of course not be sent to me before my house note is due on XXXX XXXX, XXXX. This is causing me a hardship since I live on a fixed income. They have also added several fees to my loan over the years. They show all sorts of late fees and other fees I know nothing about that appears to be padding the loan and they do not show my statement on line. Any assistance you can give me will be appreciated. Thank you * I did send a request to HSBC but the date ways XXXX rather than XXXX as the start of the modification payments.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2015-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-23
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: Called and left voice mail with myself, my family, and my friends stating that they were attorneys and they did n't want me to miss my court date. They said that they would be serving papers on a debt. They said that they were with the law offices of XXXX XXXX ( no such attorney registered in california ). They gave private information to my friends and family. They gave fake names when I asked for their name. They gave the address of XXXX XXXX XXXX, XXXX, California. XXXX earth shows that there is no such address. They identified as XXXX and XXXX ( XXXX XXXX and XXXX ). There is a fictitious business name filing in that name in XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2015-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I continually receive calls from XXXX which shows as " HSBC XXXX XXXX '' requesting to speak to somebody who i do not know and is not at my phone number, i have had this same phone number for 5 years. i ask the person to identify where they are calling from and they refuse to do so. I ask specifically if they are calling from XXXX XXXX and they say no, it is a personal business business matter for the person they are trying to reach. i explain the person is not at this number, never has been and ask them not to call, but they keep calling. at least 10 times in past week,
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2015-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Last year I learned of an account that had been opened in my name almost a decade previous with XXXX/HSBC. After communicating with HSBC it was determined that the account was fraudulent and HSBC provided me with a letter stating the account and all trade lines are deleted. Today I was contacted by XXXX, they gave a distinct impression I was on the verge of a civil action and that I had to schedule a meeting with one of their attorney 's to work out a payment plan. This debt is no longer valid and is over a decade old, why are they harassing me?
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2015-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: ON MONDAY, XX/XX/XXXX, A DAY AND A WEEK FROM MY SCHEDULED XXXX, THESE CORRUPT BEINGS AT HSBC HAD ME ARRESTED AND THROWN IN JAIL SIMPLY BECAUSE I FAILED TO APPEAR IN COURT ON XXXX XXXX WHICH I HAD NO KNOWLEDGE BECAUSE OF ERRONEOUS INFORMATION ON THE COURT DOCUMENTS. THIS WAS DESIGNED FOR ME TO MISS SO THAT THESE BEINGS CAN ORDER A BODY ATTACHMENT WHICH AUTOMATICALLY MEANS XXXX IS ARRESTED IF XXXX FAILS TO APPEAR IN COURT AS ORDERED. I HAD TO RESCHEDULE THE XXXX SURE APPOINTMENT AND THUS MY SOURCE OF INCOME ON THAT DAY AND I HAD ALSO PLANNED TO CONTACT XXXX TO SCHEDULE A TYPE AND CROSS I NEEDED TO HAVE DONE BEFORE MY XX/XX/XXXX XXXX. I TRIED TO EXPLAIN THIS TO THOSE AT THE JAIL BUT THEY WOULD NEVER LET ME GET TO MY BAG WHICH THEY HAVE CONFISCATED TO GET ALL OF MY INFORMATION INCLUDING PHONE NUMBERS. THESE BEINGS AT HSBC KNOW OF MY MEDICAL ISSUES MUCH OF WHICH IS THE REASON FOR MY INCOME LOSS AND THAT I AM IN THE PROCESS OF TRYING TO GET APPROVED FOR XXXX BENEFITS THAT WOULD GREATLY HELP ME FINANCIALLY AND YET THEY STILL FORCED THIS HORRIBLE SITUATION ON ME WHICH ONLY WORSEN MY FINANCES AND MEDICAL CONDITIONS. THEY HAVE ABSOLUTELY VIOLATED MY CIVIL RIGHTS AND DESTROYED ME MENTALLY AND EMOTIONALLY! I HAVE HAD TO BORROW {$2000.00} THE AMOUNT OF THE BOUND FROM MY DAUGHTER WHO MAKES A MODEST LIVING AS A XXXX. IN XXXX XXXX, TX. I HAVE ABSOLUTELY NO ONE ELSE CLOSER THAN THAT I COULD TURN TO FOR HELP INCLUDING LEGAL PROTECTION EXCEPT MY XXXX LAWYER WHOM I PLAN TO INFORM THEM OF THIS SATANIC ACT TOMORROW, XXXX XXXX. AND THEY KNOW THIS ... THEY KNOW I AM ALL ALONE IN THIS FIGHT TO SAVE A HOME THEY WILL ONLY LET DROP IN VALUE ONCE I AM FORCED OUT! I HAVE HAD TO SPEND AN ENTIRE WEEK IN JAIL WITH WOMEN, ALBEIT DECENT IN THEIR TREATMENT OF ME, HAVE COMMITTED FAR MORE SERIOUS CRIMES SUCH AS DRUG POSSESSION AND AUTO THEFT. I WAS EVEN GIVEN A CHANGE OF UNDERWEAR..JUST XXXX PAIR OF PATTIES THAT WE WERE TO WASH PUT EVERY NIGHT! THE FOOD WAS SUBSTANDARD AND ALL WE WERE GIVEN TO DRINK WAS RANCID TASTING TEA AND MILK TO WHICH I AM INTOLERANT ; WATER IS WHAT I NEEDED TO KEEP FROM BEING DEHYDRATED WHICH IN TURN HELP PREVENT XXXX IN XX/XX/XXXX AND WHICH MY XXXX COULD CAUSE AGAIN ANY TIME. BY THURSDAY, MY XXXX I COULD BARELY FIT THE SHOES I WAS GIVEN IN JAIL AND EVEN OTHER WOMEN NOTICED IT. BY THE TIME I FINALLY WAS RELEASED AS I WAS GIVEN THE OPTION TO BAIL OUT FOR {$230.00} WHICH THEY ONLY OFFERED AFTER MY DAUGHTER SENT THE MONEY ORDERS TOTALING {$2000.00} WHICH THEY GOT ON WEDNESDAY BUT STILL WOULD NOT RELEASE ME UNTIL THE MONEY ORDERS CLEARED THE BANK WHICH I DO NOT UNDERSTAND AS MO 'S ARE AS GOOD AS CASH! WHEN I BAILED OUT ON FRIDAY XXXX XXXX, IT WAS LATE AT NIGH AND I HAD TO WALK FROM THE JAIL SINCE NO CABS WERE AVAILABLE AND STOP AT A BAR WHERE I COULD CALL AND CAB AND GET MONEY AS THEY TOOK MY CASH AND PUT IT IN SOME TRUST FUNDS FOR INMATES WHEN THEY CONFISCATED EVERYTHING. IT WAS COLD AND ALL I HAD WAS A JACKET WHEN I WAS ARRESTED AND XXXX AS A RESULT OF THIS SATANIC ARREST BY A BUNCH OF BULLIES WHO SEEM TO HAVE NOTHING BETTER TO DO THAN TO HARASSED SOMEONE INTO XXXX AS I THOUGHT ABOUT DOING WHILE IN JAIL ( XXXX ) AND SEEM UTTERLY INPATIENT IN ALLOWING THIS MODIFICATION PROCESS TO RUN ITS COURSE AND STOP FINDING EXCUSES NOT TO WORK ON THE APPLICATION IT IS THE FAULT OF HSBC/ XXXX MORTGAGE CORPORATION!
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2015-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being XXXX household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on both them accounts. So portfolio had both debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2015-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No