Date Received: 2022-04-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: HARDSHIP / LOAN MODIFICATION LETTER XXXX Hello CFPB, Regarding a mortgage with XXXXHSBC, Our family has experienced financial disaster due to the COVID-19 shut down and economic downturn there after. We were granted the forbearance that was offered to us from XX/XX/XXXX to XXXX of XXXX. There was NO FULL DISCLOSURE regarding the repayment of said forbearance, we did NOT sign any contract and or agreement regarding any repayment plan and or full disclosure regarding the forbearance repayment. At this time XXXXHSBC has offered us a Loan Modification with a catch, we have to re-qualify for the Loan Modification XXXX XXXX HIGH interest rates. This seems completely unfair at this time, post pandemic. If we do not qualify they are demanding the FORBEARANCE PAYMENT OF OVER {$130000.00} due and payable at once. Our loan was purchased from XXXX XXXX Bank in XXXX, the loan was sold sometime after to XXXX ( HSBC is an investment company based in mainland XXXX ). We did NOT receive notice that our loan was sold to an overseas foreign investment company ( HSBC ). This loan should have the same perimeters, rules, regulations and guidelines as the original lender had in the original note ( from XXXX XXXX a FEDERALLY BACKED LOAN ). Therefore the note should be honored by the CARES ACT at this time. Our Forbearance balance is {$130000.00} to date, we do not have funds to make that payment, at once. This property has been in our family for over 40 years, we constructed our family home in late XXXX to early XXXX. We have been paying on this loan for almost 13 years, we have never needed to pay a late fee on this mortgage. We do not wish to lose our family home after so many years of loving memories. We became sick with the XXXX XXXX XXXX business has been down for months and months. To date business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also became hospitalized with multiple conditionXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help us. * XXXX HAS REPORTED THE FORBEARANCE LOAN BALANCE TO OUR CREDIT REPORT AND REPORTED MONTHS OF NON-PAYMENT. NEGATIVELY EFFECTING OUR CREDIT REPORTS AND CREDIT SCORE WITHOUT BEING IN FORECLOSURE. We wish to be in good standing with XXXX and HSBC, any consideration would be greatly appreciated. Please advise. Thank you.
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I didn't receive my bill from HSBC last month, and they only contacted me after they had charged me a {$25.00} late fee and {$1.00} in interest. I tried to contact them through their website and over the phone, and both systems were down at the time. So I sent them a letter with a check for the full balance, but I said if they insisted on charging me the fee I'd pay it but I wanted my account closed. I also said if they waived the fee I would continue as a customer. They cashed my check for the full amount due but didn't close my account. And then AFTER my balance was paid in full, they charged me ANOTHER late fee of {$37.00}. I want my account closed and any negative information reported to the credit agencies to be wiped clean. And I'm not paying more late fees after the account balance was zero.
Company Response:
State: MN
Zip: 565XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a debt collection company XXXX Phone number ( XXXX ) XXXX or XXXX calling me about a debit that is not mine. It is for a company HSBC which has never been on my credit ever. They are just trying to get me to pay for it through their website with out any proof that its mine. When you chat with their virtual person they try and fight with you sayin its your and you need to pay. This is scam to try to get me to pay a debit that is not mine and then run with the money.
Company Response:
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/22, I contacted HSBC credit card to dispute a charge of {$140.00} to XXXX XXXX. On XX/XX/22, I called to follow up on the dispute and was advised to email their dispute department with the details of the dispute and reference case id : XXXX. I emailed the information. On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute. On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute. On XX/XX/22, I received a correspondence from the company asking me to hire a professional beautician to write a letter to attest to my dispute. On XX/XX/22, I provided the company with a letter from the professional. On XX/XX/22, I called to follow up on the information that was provided. I was blind transferred to the dispute department and was on hold for over 1 hour. I called back and was advised that they didn't have any knowledge of the letter that I sent in. I had to pay {$25.00} for my beautician to write the letter for me. This company is so unprofessional. I had a prior dispute that they didn't send any correspondence in the mail until after 60 days. I need my money refunded back to my card.
Company Response:
State: OK
Zip: 73130
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/XXXX I closed all my HSBC accounts ( i.e., Savings, Checking and Credit Card ). In order for me to close the accounts, the bank requires that all balances are 0, otherwise they wont close your account. I therefore paid my credit card balance with money from my savings account ; set the balances to 0 of all the accounts and closed each account thereafter. HSBC mailed me letterhead notifications communicating that my accounts have been closed. On XX/XX/XXXX, HSBC Collection team called me to say that my credit card had an overdue balance equivalent to the last statement balance that I had already paid. I requested them to mail me all my account statements ( for checking, savings and credit card ) for the past 3 months so I could verify the movements between my accounts. Given that my accounts were closed, I could not retrieve those online. On XX/XX/XXXX, I only received the Credit Card balance statement, so I was still unable to verify my account activity. I called again and requested for the statements for my Savings and checking as well. On XX/XX/XXXX I received again the credit card statements. I tried calling the bank, and the line goes silent. I explained several times to the Collection team that I want to check my accounts statements to verify the activity before my accounts were closed ; so I can verify that my XXXX payment did not go through. As of today, the bank failed to respond to that request, which already generated a monetary impact due to the late payment fees they continue to collect, but also to my credit score.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I XXXX XXXX, made an international wire transfer of USD XXXX from HSBC USA on XXXX of XXXX. It has been mentioned in the receipt that money will be paid to beneficiary until XXXX XXXX. Wire Transfer Details : Confirmation Code : XXXX Transfer Type : International Wire Sender : XXXX XXXX Transfer Date : XX/XX/2022 After making the wire transfer I called to HSBC USA on XXXX XXXX onwards almost every alternate day. But until XXXX of XXXX the money has not got transferred to the beneficiary. I kept on calling HSBC XXXX even after XXXX of XXXX and the only status they told me is money on hold. On XXXX XXXX when I was again calling HSBC USA the representative said they need some information, so I provided information. I kept on waiting for the transfer to happen but to no avail so I requested to cancel the Wire transfer on XXXX XXXX. I kept on calling continuously for the update on cancellation but none of their representative give any reply other than Money is with HSBC XXXX. When i ask for the status they don't even have proper call logs or notes to even check the last status. I am feeling highly stressed, this is a big amount for me. HSBC USA is not even returning my money and playing blame game that we don't have any information as the money is in HSBC XXXX. I gave my money to HSBC USA and they should return my money on cancellation as this has been so many days they are holding up my money for no reason and earning interest on my hard earned money and not taking any prompt action for refund. I am following up and they are not doing any needful action. I have invested tons of hours into this but HSBC USA have created a joke of my case. Its creating so much XXXX, XXXX and XXXXXXXX XXXX on me and my family. I am looking forward for your help to resolve this matter and help me get my Wire transfer money back to me as soon as possible.
Company Response:
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account with HSBC on XX/XX/2021 under the " {$450.00} Welcome Deposit in your new HSBC Premier checking '' promotion. I qualified for the promotion by receiving over {$5000.00} in direct deposits per month for more than three months ( six months so far ). When I chatted with HSBC this evening I was told that I did not qualify because I did not open the account through the offer page. When I was applying for the account I made sure to save to pdf the offer page from which I opened the account. Please find this evidence attached plus my submitted application, my chat transcript with HSBC, and my account transaction history since XX/XX/2021 which shows that I have met the requirements of the offer.
Company Response:
State: NC
Zip: 27502
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I initially contacted HSBC 's credit card customer service division early in XXXX via telephone to inform them that there were two credit charges that needed to be placed into a dispute status : 1. XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX. XX/XX/XXXX {$600.00}. I then followed this telephone call with an official letter explaining the reason for the credit card disputes and attached all necessary documents which included some 38 plus pages of shipping/ tracking documents. This was sent via CERTIFIED MAIL USPS Tracking # XXXX. According to the USPS website these letters and documents were delivered to HSBC 's correspondence address of : XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX they also had to be signed for.. I explained in my letter that these two charges were from two separate orders placed with XXXX XXXX XXXX XXXX. These orders were cancelled via phone with XXXX XXXX XXXX XXXX 's customer service department because I was able to find the merchandise at a significantly lower price. XXXXXXXX XXXX XXXX XXXX did not cancel the orders and ended up shipping the merchandise out in error. They shipped multiple items in multiple shipments. When I became aware of the error I immediately called XXXX XXXX XXXX XXXX and informed of them of their error. I was instructed to simply " refuse '' all shipments and they would issue credits as soon as they received them back. I did exactly as they instructed me. XXXXXXXX XXXX XXXX XXXX has had their merchandise back for months now and they have only given me several credits here and there but have not given me the full amounts in dispute as they should. I recently received from HSBC a letter dated XX/XX/XXXX where they were forwarding to me the merchant 's response which was nothing more than a nonsensical one line statement that simply said something to the effect of " the chargeback was invalid '' and to see their '' return policies '' and of course a copy of the order stating shipped beside each item. I have absolutely no idea what kind of fraud XXXX XXXX XXXX XXXX thinks they can get away with here but these two chargebacks are VERY MUCH VALID!! I " refused all shipments from these two orders as they instructed me to do. They received everything back months ago accordinhg to all tracking documents and they are saying the chargeback is invalid?? In their response to HSBC XXXX XXXX XXXX XXXX didn't include any shipment/trackind documents like I did with HSBC because it would have shown that they received all shipments back as " refused '' by receiver thus making the chargeback disputes very much valid. HSBC 's customer service department was contacted via phone at least 10 times today because I kept getting hung up on repeatedly and the representatives said they didn't know what happened to the certified mail documents originally sent in XXXX to the dispute department eventhough I have proof they received everything. They also didn't have any record of any forwarded emails that I sent to their dispute department from XXXX XXXX XXXX XXXX stating that they were going to credit me in full for both orders. HSBC 's dispute department has mysteriously lost everything documents/emails and now XXXX XXXX XXXX XXXX is trying to commit fraud with these rediculous statements. After spending what seemed to be like 3 hours on the phone with HSBC 's customer service department... I got so frustrated I just gave up. They were INSISTENT that I resend all paperwork, which included cover letters, tracking documents etc. but told me they weren't sure what address to have me send it to but to just send it back to XXXX XXXX XXXX XXXX XXXX They didn't know the dispute department 's address and could not help me at all with addressing these issues. The dispute department gave me a deadline which is XX/XX/XXXX to get back with them if the case needs to be reopened or reinstated or whatever and the case hasn't even been resolved yet. I received no follow up phone call from HSBC 's dispute department and now they are rushing me to respond by the XXXX of XXXX, XXXX and that's only 5 days from today with a two day weekend. Absolutely unbelieveable!!!! I ended up typing up a new 2 page cover letter this evening explaining all of these problems and that I was unable to get any help over the phone after 10 plus calls to customer service and that I was simply resubmitting all prior paperwork that had previously been sent certified mail for a total of about 42 pages. This is all being done at my expense and inconvenience of course. I will send this XX/XX/XXXX and pray and hope they receive it by the XXXX of XX/XX/XXXX. I am sick and tired of having problems with HSBC 's customer service department and their inability to do anything/give out correct information/addresses/speak to the dispute department and resolve questions from letters we as customers receive. When HSBC starts to loose important documents sent via certified mail and then claim they never received them then we have a real problem on our hands. Who's to say they won't loose this next set I'm sending tomorrow. I need HSBC 's chargeback/dispute department to call me so we can discuss what we need to do to resolve these issues. Their inability to speak to anyone or take a transferred call from customer service is simply insane!!! I DO NOT WANT THESE CHARGEBACK CASES CLOSED FOR ANY REASON FOR THEY HAVE NOT BEEN RESOLVED YET!!!! CASE # XXXX & CASE # XXXX. The thing that bothers me the most is that noone seems to know what anyone else is doing at HSBC??????? The customer service department is absolutely oblivious to what is going on in the dispute department and you can never ever speak to anyone in the department to get any follow up assistance or help... .. making the customer feel absolutely helpless. I am absolutely disgusted with HSBC. They need to get their act together and get these chargeback disputes resolved. This is costing me time, money and aggrivation and if they would just let the customers speak to the dispute department and stop loosing certified mail sent to their department specifically to help them with these disputes we wouldn't be dealing with this situation. The dispute department just can't take the merchant 's response, " the chargeback is invalid '' and " refer to return policy '' as gospel ..... I cancelled these orders directly via phone with XXXX XXXX XXXX XXXX XXXXs customer serv. department they didn't cancel the orders then they shipped out the orders in error. They told me to " refuse '' shipments and I did exactly that and now they are saying that the chargebacks are invalid and to reverse them???? after they have all their merchandise back and showed no proof otherwise. No I don't think so. I'M GETTING ALL OF MY MONEY BACK IN TOTAL FOR THESE TWO CHARGES. They are trying to commit fraud and they are not going to get away with it!!
Company Response:
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: After multiple years participating into our allegedmortgage, we noticed some unknown concerns regarding its origination. While researching an unknown increase in the allegedmortgage payment, we found issues regarding Mortgage XXXX XXXX XXXX XXXX XXXX, as Nominee for HSBC Mortgage XXXX ( XXXX ) /HSBC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, proving a fraud on an Assignment of Mortgage from a property participating with Housing for Urban Development ( HUD ). The fraudulent Assignment of Mortgage was recorded in the XXXX, Ohio XXXX XXXX XXXX 's office Instrument Number : XXXX, volume number : XXXX, page number : XXXX. XXXX XXXX ( Notary ) out of the state of New York XXXX XXXX XXXX XXXX gave his official seal and stated he witnessed XXXX XXXX personally appear and sign this Assignment of Mortgage regarding Loan number : XXXX and MERS ID number : XXXX. We raised multiple concerns disputing the debt, issues about the origination of the mortgage and presented evidence about the fraudulent transferred mortgage to the alleged current XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) not in its individual capacity but solely as Owner Trustee of XXXX XXXX [ XXXX ] XXXX c/o Servicer XXXX XXXX XXXX, XXXX ( XXXX ). The alleged Current Holder XXXX stated " We are not involved in the decision-making process of what properties are held in the various trust In our capacity as Trustee, we do not have an economic or beneficial interest in the loans and have no authority with the respect to the management of the real estate held in the XXXX, including the above referenced property referring to XXXX XXXX XXXX XXXX XXXX XXXX Ohio and stated, " All questions should be directed to the servicer ( " XXXX '' ). '' " XXXX has a responsibility under the trust agreement to address the issues you have described in your complaint. '' We also raised these concerns to XXXX who stated, " although we service the original Mortgage and Note we did not take part in its origination, and we are unable to respond to the issues relating to the origination of the loan '' and told us to direct our concerns to the alleged current note XXXX XXXX who already claimed no beneficial or economic interest in the matter. As we seen our concerns were not being properly investigated and seen that we were being spined in circles, we elected alleviate our concerns regarding the origination and disputed, with first investigating the suspected Fraudulent Assignment of Mortgage. We retained a Forensic Document XXXX XXXX XXXX XXXX in Ohio who is Board Certified through testing by the XXXX XXXX XXXX XXXX XXXX. Her Assignment was to compare the two signatures shown as XXXX XXXX on the Assignment of Mortgage to determine if they were identical of very similar. She conducted her examination and rendered her professional opinion in a report dated XX/XX/XXXX. Her report concluded that " No one writes his or her name or signature exactly the same way twice. '' " Human beings are not capable of machine-like precision and repetition. '' " ... the two signatures shown as XXXX XXXX on the Assignment of Mortgage are Identical. '' " ... as an individual can not write two identical signatures on a document, it raises a question as to the method used to place these signatures on this document. '' She provided her examination in affidavit form with her Handwriting Examination Report recorded with the XXXX, Ohio XXXX XXXX XXXX 's office on XX/XX/XXXX instrument number : XXXX which is linked to the fraudulent Assignment of Mortgage dated XX/XX/XXXX. There are also two Certificates of Satisfaction for the Mortgage in the Name of and for the Benefit of XXXX XXXX XXXX and XXXX XXXX XXXX for the property commonly known as XXXX XXXX XXXX XXXX XXXX Ohio recorded with the XXXX, Ohio XXXX XXXX XXXX XXXX XXXX. The first satisfaction was recorded on XX/XX/XXXX, with the date of Satisfaction of XX/XX/XXXX in the amount of {$41000.00} by XXXX XXXX XXXX XXXX instrument number : XXXX volume number : XXXX, page number : XXXX. In this first release in XXXX by XXXX XXXX XXXX Bank, they stated, " WHEREAS the indebtedness secured by the mortgage described below has been fully paid and satisfied, XXXX XXXX XXXX XXXX as Trustee ..., owner and holder of the debt, hereby declares that the lien of said mortgage is forever discharged and satisfied. '' The second release by XXXX XXXX XXXX XXXX XXXX XXXX recorded XX/XX/XXXX, date of Satisfaction signed XX/XX/XXXX in the amount of {$51000.00} Instrument Number : XXXX, volume number : XXXX, page number : XXXX stated, " KNOWN ALL MEN BY THESE PRESENTS : that XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX XXXX, NA, AS TRUSTEE, holder of a certain mortgage to secure the amount of {$51000.00}, whose parties, date, and recording information are below, does hereby acknowledge that it has received full payment and satisfaction of the same, and in consideration thereof, does hereby cancel and discharge said mortgage. '' XXXX XXXX XXXX and XXXX XXXX XXXX never received these releases. On XX/XX/XXXX, ( three months and half BEFORE the latest recorded release of satisfaction of mortgage from XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX XXXX, NA, AS TRUSTEE ) HSBC Mortgage Corportation ( USA ) claimed XXXX XXXX XXXX and XXXX XXXX XXXX borrowed {$56000.00} from them and signed a note in which they agreed to repay the loan. The fraud perpetrated here is the question about the Borrowed {$56000.00} because XXXX XXXX XXXX and XXXX XXXX XXXX never received any credits in any of their accounts for the alleged borrowed {$56000.00}. XXXX XXXX XXXX and XXXX XXXX XXXX had no means to retrieve those credits and HSBC claimed the repayment Obligation was secured by a Mortgage executed by the XXXX 's on XX/XX/XXXX. So, as it would stand, from the looks of the recorded documents, HSBC would have entered XXXX XXXX XXXX and XXXX XXXX XXXX into an alleged Mortgage contract on XX/XX/XXXX, while they were engaged in a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX XXXX, NA, AS TRUSTEE, Mortgagee : XXXX XXXX XXXX XXXX. The release of our Mortgage was not signed until XX/XX/XXXX, and recorded XX/XX/XXXX, from XXXX XXXX XXXX XXXX. Noticing there has been two recorded releases on this Mortgage in full, it seems HSBC should have offered an XXXX line of Credit, or some form of credits that would have been ascertainable because our asset/property has been deposited as collateral with a lien attached. Two different companies/lenders, from our understanding, can not have two separate mortgages on a home at the same time, as the first mortgage is secured on the house, so as far as any additional lending with a different company the second lender ( HSBC ) would only be a secured loan, not a mortgage. These are some of the issues we found prior to the XX/XX/XXXX, fraudulent Assignment of Mortgage. We also received evidence that the XX/XX/XXXX, Mortgage and note has been securitized. The first piece of evidence we gathered to prove this Mortgage has been securitized is a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. This evidence/letter made statements about a " XXXX XXXX [ XXXX ] Trust '' XXXX " XXXX acts as Trustee XXXX many trusts that holds various real estate properties '' " We have no authority with respect to the management of the real estate in the portfolio '' and " XXXX has a responsibility under the Trust Agreement ''. The second piece of evidence we have to prove this loan has been securitized is a Limited Power of Attorney sent to us from XXXX XXXX XXXX signed by XXXX XXXX, witnessed by XXXX XXXX and XXXX. XXXX and notarized by XXXX XXXX XXXX giving themselves authority to serve as attorney-in-fact for XXXX. The Power of Attorney stated : " KNOW ALL MEN BY THESE PRESENTS, that XXXX XXXX XXXX XXXX XXXX XXXX solely as owner Trustee, pursuant to the Securitization Servicing Agreement, dated as of XX/XX/XXXX. '' This Limited power of attorney was filed at at the XXXX XXXX, Utah XXXX XXXX XXXX by XXXX XXXX XXXX on XX/XX/XXXX Instrument number : XXXX, Book : XXXX, Page : XXXX. This alleged lender seems to have taken our " note '' and put us into some sort of investment contract without our knowledge under the Statues of Fraud. Our " note '' is now a " registered security '' and we have a possible claim of recoupment on the proceeds which is spelled out in the various laws that we have not received. This loan was initiated through HUD with XXXX XXXX XXXX as the Borrower and HSBC Mortgage Corporation USA as the Lender, with the date of settlement of XX/XX/XXXX and date of distribution of credits on XX/XX/XXXX, but XXXX XXXX XXXX never received these credits in the amount of {$56000.00} in any ascertainable account for himself. He was coerced without any full disclosure into paying HSBC Mortgage Corporation USA and servicers thereafter payments on the loan for credits he did not receive. All these companies have been Unjustly Enriched. HUD Identifiers for the participation in the HUD program For XXXX XXXX XXXX and HSBC Mortgage Corporation USA for the Conventional Uninsured Loan ; XXXX Number : XXXX, Loan Number : XXXX, File Number : XXXX. As of today, XXXX and XXXX attorney have Withdrawn their Order of sale for a judgment pending on a foreclosure action. We Believe XXXX and XXXX are making a good faith effort in recognizing the fraud in the Origination by them refraining from being active participants to the fraud by withdrawing the foreclosure sale. We believe they recognize that they and other prior Holders and Servicers did not have any authority to collect payments from XXXX XXXX XXXX and may be liable for payments received due to the fraud by Mortgage XXXX XXXX XXXX XXXX XXXX, as Nominee for HSBC Mortgage Corporation ( USA ) /HSBC Bank ( USA ) N.A .
Company Response:
State: OH
Zip: 45805
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I opened a XXXX XXXX XXXX in XXXX of 2019. XXXX XXXX has been charging the agreed upon amount of {$52.00} for equipment since that time. Meanwhile XXXX is taking XXXX XXXX monthly on another credit card because I agreed to pay them {$1200.00} in monthly payments in fear that they would ruin my otherwise very good credit. I have called them twice the last time being today XXXX trying to get this resolved asking for a statement of all of the payments that I have made. I see that there are multiple legal claims that have been filed against XXXX. I am ready to take that next step.
Company Response:
State: FL
Zip: 34689
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A