Date Received: 2023-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a call from this number XXXX. The person on the voice-mail message stated that she was calling from an Attorney 's office XXXX XXXX XXXX and that it is in reference to a debt that they plan to garnish my wages for the debt. I returned the call and XXXX XXXX answered the call verifying the last four of my social, DOB and name. She stated I incurred a debt from Bank of Nevada HSBC Bank in the amount of XXXX, in XXXX. I stated that this was impossible that I never had a credit card with any balance over XXXX. She could not verify the address of the company, her company or the details of the account, is the account number discharge date or even why this debt hadn't been reported to the credit bureau. Once I address this and asked that she send me the details about this debt to my po box she hung up the phone. Immediately after I called back the number and was sent directly to the voice mail.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Closing on a mortgage
Subissue: Closing disclosure or other related disclosures
Consumer Complaint: In XX/XX/XXXX, I requested a copy of the Trust Agreement or Contract in which HFC II transferred my lien to XXXX XXXXXXXX XXXX XXXX HSBC ignored my requests. This is required since there are frauds involving over 11,000 transfers of lien. The letters sent in XXXX and XXXX of XXXX which stated transfer of ownership and servicer were material evidence of fact in the XXXX Class Action Lawsuit against XXXX XXXX XXXX Trust Trustee for LSF8 MPT, XXXX XXXX XXXX XXXX XXXX which reference the sale from HFC III. The Transfer of Lien filed with the Property Clerk of XXXX County Texas, was intentionally filed in XX/XX/XXXX stating, HFC III transfer my property to XXXX XXXXXXXX XXXX XXXX LSF8 MPT is an unregistered entity and can not do business and/or litigation in Texas. LSF8 MPT can not legally enter into a contract or Trust Agreement with HFC III. Therefore, the burden of a legal transfer of lien contract has not been met. XXXX XXXX XXXX, XXXX took over the servicing of the HFC III contract per a letter in XX/XX/XXXX. However, a transfer of that servicing from HFC III as the Servicer to XXXX XXXX XXXX XXXX XXXX as the Servicer was never filed with the Property Clerk and HFC III did not respond a letter to me regarding a copy of that Servicing Contract. The Security Instrument to Transfer the Lien to LSF8 MPT had an unauthorized signer as the Attorney in Fact. Caliber stated on the Instrument that XXXX XXXX was the Attorney in Fact for Caliber Home Loans. I have requested a copy of the Power of Attorney which the Principal, XXXX XXXX, signed authorizing him as Attorney in Fact. Caliber has never produced the Power of Attorney document. I have attached a list of authorized signers for XXXX, and it does not include XXXX XXXX. HFC III or HSBC USA, HSBC Compliance Departments have not produced Contract/Trust Agreement with XXXX XXXXXXXX XXXX XXXX. Caliber Home Loans can not legally enter into a Servicing Agreement with XXXX XXXXXXXX XXXX XXXX. Caliber Home Loans, Inc. is not the owner of the Lien per communication provided to me. Caliber could not act as a Lender in the State of Texas in XXXX. Caliber was only registered as a debt collector. 3 letters sent in XXXX and XX/XX/XXXX notifying that HFC III transferred my lien to LSF8 MPT and XXXX XXXX XXXX was the Servicer of my Loan, were the basis of a XXXX Class Action Lawsuit for violating RESPA, FDCPA, TILA and FCRA. I was a protected member in the XXXX. The Settlement was favorable to the Plaintiff and the Protected Members. We were exempted from litigation. However, another illegal transfer was made in XXXX to XXXX XXXX Trust as Trustee for LSF8 MPT in XX/XX/XXXX so they could defraud me of my home with a frivolous lawsuit naming XXXX XXXX Trust as the Plaintiff. HSBC Holdings PLC did not release the lien to me in XXXX but was an active participant in the real estate fraud. I invoked my Homestead Protection Act Instrumentation to protect my home from sell or seizure. HFC III still withheld the release of lien. The DOJ Deferred Adjudication Agreement HSBC Bank USA, HSBC Holdings Plc for Money Laundering and Other Financial Crimes was signed on XX/XX/XXXX. The fine was Asset Seizure and {$1.00} XXXX. HSBC Holdings Plc defrauded my interest by not releasing the lien and/or included me in the Consent Agreement of XXXX. HSBC Holding Plc had no right to sell my HELOC to anyone. I have attached pages from the XX/XX/XXXX 10-K report which addresses sells to third parties. On XX/XX/XXXX, a shareholder derivative action was filed by a shareholder against the directors, certain officers and certain former directors and officer of those HSBC directors and officers for breach of duties, a waste of corporate assets by causing the underlying US DPA. It is important to note that a Manager of HSBC Real Estate Division was now employed by XXXX XXXX XXXX in XXXX. See SEC 10-K XXXX Report. I allege negligence and intentionally withholding disclosures in order to perpetrate real estate fraud against me and thousands of others.
Company Response:
State: LA
Zip: 70503
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: HSBC refuses to return {$10000.00} sent to them from XXXX XXXX 's XXXX XXXX XXXX Account on XXXX. They have received the information requested and are free to verify content.
Company Response:
State: MI
Zip: 48071
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Timeline of Events : Date Account Opened : XX/XX/2023 Date of Account Blockage : XX/XX/2023 Amount in the Account at the Time of Blockage : Can not access my account, about {$5000.00} Description of the Issue : Approximately three months after opening my HSBC account, I experienced a sudden and unexplained blockage of access to my account. HSBC provided no specific reason for this action. I have made multiple attempts to communicate with HSBC regarding this issue but have not received any satisfactory response or resolution. Actions Taken : Contacted HSBC customer service. Requested an estimated time for resolution.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXXXXXX XXXX XXXX sent me a letter stating XXXX now owns an account ending in XXXX an alleged debt in the amount of {$9200.00} On XX/XX/XXXX I received a letter from XXXX stating XXXX XXXX XXXX has required this alleged account. None of whom I have ever contracted with, it also stated XXXX XXXX XXXX XXXX is the master servicer for XXXX XXXX XXXX, also never contracted with. None of this alleged debt has been validated and yet it shows up on my credit report which violates the fair credit reporting act, the fair debt collection practices act, and defamation of character. Today XX/XX/2023 I sent a debt validation letter to XXXX XXXX who claims to have purchased this alleged debt from 12 XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Missed a call listed as Spam. Ex husband contacted me stating that he got a phone call about a a civil complaint " out of ( my county ). He gave me a ( XXXX ) number Called line was busy. Noticed a missed call ( phone blocked it b/c is was " suspected spam ) Called the number and processed to go off on " XXXX " once he told me that HSBC was filing a civil suit b/c I never responded to the " letter '' regurding an XXXX backed debt from prior to a bankruptcy I filed ( I filed in XXXX everything but federial Sub and Unsub student loans were discharged ) they sent me. Told him that this XXXX XXXXXXXX that at no point in time did I or Have I received anything from their client. I have no outstanding debit and if I do then mail me a certified letter with the documents/ letter from your client with the information of said debit. XXXX then stated that he could not do that as it would not be cost efficient, and asked for my email. Rambled off an email address and proceeded to chew his " Lawfirm '' out for falsely trying to collect old debits and that again until I have a certified letter from either his employer ( lawfirm ) I'm calling XXXX. He continued to refused to send me a certified letter, that the ONLY certified letter I will be receiving is my subpoena, and that this was now my notice and that they will move forward and reminded me that " This call is being recorded " and WILL be played back in court. I went on to again request certified documentation of said debt which he replied that I'm their client and I will get said documents in court.. I called XXXX. again stating that his Client ( HSBC ) Flat out falsely reported they mailed out anything to me so until I receive a certified letter with said claims of past due debit that I'm not settling anything. Asked again what County the suit is filed in, said XXXX XXXX Told him fine I will call the court house myself to validate the suit to which " XXXX '' said it hasn't been filed yet. At this point we had been on the phone for nearly 25-30 mins and he told me there was no point in arguing. My response was " Why not your getting regardless " and If you want people to answer your phone calls maybe have you employeer update the phone records so it doesn't come up as spam. The " Law office " Is XXXX XXXX ( which I only found 1 and they deal with timeshares ) The debit was for like {$2300.00} ( give or take ) Client HSBC. Guys name was XXXX. And there was a voice mail with a call back # XXXX XXXX XXXX XXXX. Stating in regards to a civil matter couldn't really make out the rest but female stated that " I've been notified " All phones listed the XXXX, XXXX and XXXX were reversed look up and no information on any of these number except the XXXX was listed as XXXX, XXXX Georgia
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX sent someone to serve me a lawsuit on a debt that is not mine. When I called to request information, they threatened me that I would have to wait for court or wait for the garnishment documents from my employer. They claim to be collecting a debt from XXXX from Household BankXXXX. The amount was roughly $ XXXX and they said I could request a settlement but would have to make the settlement payment first. .before providing any documents on the debt, and original creditors. Phone number - XXXX Address provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Fax number- XXXX
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: HSBC locked me out of my online banking in XXXX. This happened following fraudulent transactions on my credit card, NOT THE CHECKING ACCOUNT. HSBC retaliated and closed my current account. HSBC ignores the situation. A complaint was submitted to the OCC. OCC contacted HSBC, finally OCC decided that they were no longer competent to handle this matter and wrote that it should be handled by you. I have hired a lawyer who wrote to both OCC and HSBC. HSBC DID NOT answer my lawyer.
Company Response:
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I bought this motorcycle new in XXXX from my local XXXX dealer. The loan was financed by a bank identified on the title as HSBC. I paid the loan off in 6 months. I sold this bike on XXXX and transferred the title to the buyer. The buyer notified me 2 weeks later stating he was unable to license the motorcycle due to not having a signed and notarized lien release from the bank listed on the title. I looked for the lien release but was unable to locate. I looked up the bank listed on the title and contacted them stating my situation and after numerous calls and emails they basically tell me they can not help me because they have no record of my loan because they have purged their records so there is no way can can give me a signed and notarized lien release. Instead they give me a " no interest '' letter which is not signed or notarized by HSBC. I give this to the buyer and he takes it back to motor vehicle dept in Missouri and they tell him this letter will not work because its not signed or notarized. I again notify HSBC by email and again they tell me they can not help because they have no record of my loan.
Company Response:
State: MO
Zip: 64506
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XX/XX/2023, HSBC ran a promotional referral bonus scheme for Premier account holders. The promotion meant that if I referred friends or family to HSBC and they met the qualification criteria, they could receive up to {$1000.00} and I would receive {$300.00} for every referral. A friend of mine opened a HSBC checking + savings account in XX/XX/2023 using my personal referral number that HSBC provided. Both of us maintained the qualification amounts in the checking/savings accounts. As of today, HSBC have not paid me the {$300.00} referral bonus which should've been paid up to max 8 weeks after my friend opened her account. It is now almost XXXX and despite contacting HSBC on a daily basis, no referral bonus has been paid yet. HSBC continue to tell me they'll have a response in 5 working days despite them regularly going past 5 days and then proceeding to request 5 more every time I contact them.
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A