Date Received: 2020-09-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My name is XXXX XXXX. I am a XXXX XXXX XXXX male. I currently suffer from XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ). As anyone may know, finding employment with any single XXXX factor can become an undertakinglet alone having been diagnosed with two. I bring up my XXXX and race simply because I have been taken advantage of by HSBC. I have filed a complaint before and have remained in contact with respective partiesyet after nearly five months there has been no avail. One particular person by the name of XXXX XXXX, has lied on multiple occasions about the succession release of funds to my account. Consequently, my businesses have dwindledthus my source for providing sustenance for my family and myself have vanquished. Moments have become extremely perilous. In fact, I rationalize food and shelter with life saving medication. I have pleaded with XXXX on many occasions to help save my XXXX XXXX XXXX XXXXunfortunately, she continuously refuted. Nevertheless, after many days, weeks, and months without resolveI accord the CFPD once again for guidance and due diligence to bring about a resolute. Again, I know I am XXXX XXXX, XXXX, and disadvantagedbut this is no way a financial instate of this standard should discriminate against the disadvantage. I have reached out to HSBC nearly 200 times during the span of 5 months and each plea has been cascaded with hollow vacant responses.
Company Response:
State: SC
Zip: 29410
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX are reporting two outdated accounts on my credit. I called XXXX and they stated that both accounts are 10 years old. Yet they continue to re-age the accounts and report them on my credit. I have been disputing these accounts with XXXX for a year now and they are still violating the Laws of the FCRA
Company Response:
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Currently i have my mortgage with HSBC, but I decided to refinance, so I need some documents from HSBC to support it. But when i was reviewing the document, I noticed the property address on my payoff document is incorrect, my unit address should be unit XXXX and they typed unit XXXX unit XXXX ( see attached 1 ). Because unit XXXX is the number the builder identifies this building, and they assume its part of the address ( see attached # 2 ). Since the property address is wrong, the new lender will probably not accept it as a legit document. I contacted HSBC and explained this situation, I asked them to simply correct the mistake they made, but they refuse to cooperate, and said even if they do it they will not rush it, at least gon na take two weeks, I provided my property tax document which i got from the county and it includes my APN and correct property address, and they refuse to take it because it is not a legal document. Instead they are requesting something called XXXX address to verify my correct address is a real address, I talked to the USPS , County, City, no one knows what that is. If i don't close my new mortgage next week, it will generate penalties everyday.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Have received letters from company trying to collect on a debt that was written off by the original creditor. Each letter states a different balance on the amount owed. When checking my credit report this account does not show up and it tells me that the account has fallen off. While researching online i have found out that this company tries to get you to agree that you owe the debt and they will accept a smaller amount to settle.
Company Response:
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Re : Notice of Default - Right to Cure dated XX/XX/2020 Please be advised this notice/action is being disputed. This serves as written notification to Select Portfolio Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX None the previous correspondence has been sufficiently answered. SPS actions, are unwarranted, unwanted and continue to be erroneous and suspicious of fraudulent activity. As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX Servicing, XXXX XXXX XXXX XXXX continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. XXXX including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached. 1. Provide a full and detailed accounting of this alleged account. 2. Provide any and all inspections conducted on misidentified property in the last 12 months with reason why they are being conducted. 3. Explain the legal description contained in alleged security instrument and explain how it differs from the property XXXX continues to fraudulently inspect and erroneously pretend to service. XXXX has been repeated told the legal description noted in the security instrument is not the legal description of XXXX XXXX XXXX XXXX. They refuse to research and provide legitimate response.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have opened an account just one week at the HSBC bank, I sold a vehicle and deposited the amount in the new account, 3 hours after receiving the amount they simply canceled the account, did not explain a reason and simply did not give me any dates about the return of my money. I was counting on the amount to pay my debts and now I was in a horrible situation. I have calling for branch, the customer service and anyone give me any info about.
Company Response:
State: WY
Zip: 82801
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a checking advance account with HSBC on XX/XX/2020 and I was told I would get a {$220.00} welcome deposit for starting a new Advance checking account. The account ends in XXXX. I was told that in order to qualify I must set a direct deposit and deposit at least {$500.00} for 3 consecutive months and I would get {$220.00} deposited into my account 8 weeks after all qualifying activities. I called on XX/XX/2020 and spoke with XXXX ref XXXX and he said by end of XXXX I should see the deposit. Then I called on XX/XX/2020 XXXX ref XXXX and he said by mid XXXX should see deposit into my account. It already has been 5 months since I opened account and I don't see the deposit I was promised. I have been told many promises but nothing so far. Please provide credit to my account as promised.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have been attempting to close on a mortgage from HSBC for over 90 days. The bank keeps delaying the closing and charging me fees, for which full disclosures were not made, in an apparent attempt to improve the profitability of the mortgage due to HSBC delays. The loan number is XXXX.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: On XX/XX/XXXX, I attempted to use a balance transfer from HSBC using my Master credit card ending in XXXXI had a XXXX balance and transferred {$5000.00}. As I was hitting the prompts the process informed me that is was completed. There was NO disclosure of interest or length of time for the balance transfer. I immediately call HSBC and cancelled the transfer. The Customer service rep. cancelled it telling me it woulkd take two weeks but THE AMOUNT OF THE TRANSFER WOULD NOT APPEAR IN MY ACCOUNT AS A DEBT.. This morning that account shows a debt of {$5200.00}. I called and spoke to several customer service reps. Conclusion : I must carry that debt on my credit for two weeks. If they can charge my acciount within 24 hours why does it take two weeks to reverse it? I am very angry with them for having an online process without any disclosures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX cell. XXXX Land
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am currently on a forbearance plan with HSBC till XX/XX/XXXX. On XX/XX/XXXX I applied to have my current forbearance balance moved to the end of my mortgage, and resume my monthly payment. I was told I don't have to pay anything till XX/XX/XXXX and I will stay in the current forbearance plan till XX/XX/XXXX. I received another wrong monthly statement on XX/XX/XXXX and called HSBC to confirm there is no payment due for XX/XX/XXXX but instead was told that my application for deferral payment was already approved, forbearance plan is ended right away and my monthly payment will resume on XX/XX/XXXX. I called multiple times and requested to speak with a supervisor but every person is giving me different information. According to the supervisor - XXXX, XXXX who I spoke to, my application is approved but the paper work is pending approval, at the same time I was required to make payments, without any written statement or notice. He continued to threat me that I have no choice but to believe him and all the conflicting information i received from talking to their representatives in the past week. There are three things I believe they did wrong 1. Ask me to make payment while document is pending approval, and no written statement or notice was given to me. Should i not call them voluntarily, they will start charging late fee and the collection process secretly. 2. Each person is giving me different and conflicting information, even the same person had given me different answers after digging into the documents. There seem to be a mess in their handling of forbearance application. The forbearance documents are often wrong and not accessible online. I suspect this is not compliant with the regulations. 3. The assistant supervisor - Mr. XXXX, XXXX, said i had no choice on if i can continue my forbearance plan and they can make the unilateral decision to ask me to pay back, which i believe is blatantly against the latest care act that gave borrowers several options to repay the loan.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A