Date Received: 2017-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have resolved a debt in full XXXX XXXX,2016 it was filed in the court of my county XXXX XXXX, 2016 however they will not remove this from my credit report. Over the last 30 days I explained to them that I care for XXXX XXXX children and I was trying to purchase a home for them and this is affecting me from getting a loan from the bank. I found out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything. XXXX XXXX XXXX XXXX have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Received an e-mail offering XXXX bonus points after spending {$500.00} wi thin three m onths. I spent more than {$500.00} and the bank awarded my just XXXX points. When I inquired, was told that offer expired the end of XXXX , 2017 . Yet everyday, I receive the same e-mail offer from the bank when I log onto my account.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a savings account with HSBC. I was credited for onl y 1 transaction for a fraud complaint that had more than one transaction. I stated to HSBC VERY CLEARLY that fraud occured on my account and I was transferred to the " ACH '' department because the rep insisted I do so because it was an ACH transaction. First, HSBC tries to tell me I didnt file within the 60 day time frame. FALSE. I filed this fraud complaint within the first week I saw the fraud. Secondly, I spoke to XXXX XXXX , manager of the ACH department who tells me I need to goto the fraud department.
A little background on my conversation with XXXX . First point of contact on XXXX XXXX XXXX . She proceeded to tell me that HSBC was in the wrong and that I would have my credit adjusted that day and she would call me back. No call back. I call on XXXX XXXX XXXX ( today ) and XXXX gives an excuse why she did n't call me after she told me should would no matter what yesterday. Now she tells me i need fraud department? Really? She stated because I said it was fraud from the get go. Then she tells me no, this is the UNAUTHORIZED department. what? unauthorized department? yesCompany Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2017-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: They called using my correct name. But the debt they called about was a very old one. The Statute of limitations has long passed. Also, the amount owed they spoke of, is way off! By more than {$12000.00}! I called the Attorney General and the FTC. I was told, " THIS IS A SCAM. ''
Company Response:
State: FL
Zip: 34232
Submitted Via: Web
Date Sent: 2017-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX, XXXX " Step Forward Michigan '' paid my back taxes through a program created by the state. The mortgage company Beneficial Mortgage ( HSBC ) agreed to include my taxes and insurance in an escrow account. The amount included Principal {$390.00}, Interest {$220.00}, Escrow {$750.00}, to be paid each month at 2 % interest until the year XXXX. The total monthly payment {$1300.00}. During XXXX ( HSBC ) sold my mortgage to XXXX XXXX and on XXXX XXXX my payment increased to {$1600.00}. I was informed that ( HSBC ) did not pay the taxes and a balance of {$6600.00} was owed for taxes. I was also informed that there was an outstanding balance for home owners insurance. ( see attached documents ). I was also unaware that ( HSBC ) charged me {$4100.00} for property insurance in XXXX. The XXXX from XXXX XXXX showed that interest was paid but left blank taxes for the year XXXX. Therefore I was unable to claim a deduction for the year XXXX on my tax returns.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of XXXX I wrote a letter to XXXX XXXX services asking to validate a debt that started reporting on my credit report. I then received a letter dated XXXX / XXXX / XXXX that they reviewed the account and believe the activity on my account is correct. They did not submit any information to me regarding this debt besides an explanation of the debt in this letter. Please see attached all correspondence pertaining to this complaint. I then Wrote them another letter in response to their requests, which was received on XXXX / XXXX / XXXX from which they never responded. I then gave them 30 full days and pulled a copy of my credit report dated XXXX / XXXX / XXXX and noticed that they did not place the notice of dispute on my credit file which they violated federal law and fair credit reporting act section 623 ( a ) ( 3 ). I then w rote them another letter dated XXXX / XXXX / XXXX which is attached which was received on XXXX / XXXX / XXXX which they never responded to either. I have also noticed that this creditor has also broken FCRA Section 605 ( c ) as the y have been re-aging this account as a current charge off instead of when it supposedly occurred back in XXXX . This creditor has broken several FCRA laws and has violated my rights as a consumer and has caused pain and suffering with my issues of obtaining a home loan
Company Response:
State: MO
Zip: 64157
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX , I was notified of a garnishment that would soon commence by the Human Resource department. After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. Th e summons was submitted by Plaintiff : c/o XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX . XXXX . XXXX File n umber : XXXX . This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house ., XX/XX/XXXX , XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , GA XXXX XXXX filed a suit stating an amount owed of {$1000.00} plus $ XXXX -a ttorney fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiF a fees. Included are also XXXX differen t bills for sale for companies that are all out o f business. There is also a generic cardmember agreement for Household Bank. On XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XXXX filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment. XXXX XXXX XXXX sold account to XXXX XXXX XXXX , which have filed to enforce judgement by way of garnishment. However, After contacting XXXX XXXX XXXX to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company XXXX XXXX XXXX , also state they do not have any information regarding the debt. XXXX XXXX XXXX filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by XXXX XXXX XXXX XXXX XXXX . I believe my case falls within claims against XXXX XXXX XXXX XXXX XXXX .
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX I took out a second mortgage with HFC, a HSBC company and just recently it was transferred to a company I never heard of XXXX , XXXX XXXX XXXX , XXXX . I never looked closely before just made my monthly payments until recently and I noticed that my principal has hardly been reduced over these 10 years and I began to think that this is an abusive mortgage situation that I am involved in. I looked online and saw that in XXXX HSBC was sued over similar abusive mortgages. I would like to get relief and a fair situation for this mortgage from the companies now involved and previously.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear Sir/Madame : I am filing a complaint about HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my Savings Account but I accidentally entered my checking account #. Then HSBC paid through my checking account without checking with me. 2. Since there was not enough fund in my checking account ( fund was in savings account ), the payment was denied. I got notified on XX/XX/XXXX from the payment website. They informed me that my bank only notified them on XX/XX/XXXX. Since XX/XX/XXXX was the deadline for the payment, I was charged $ 1500+ fine. When I asked HSBC why it took them 10 days to inform insufficient fund status, there was no direct answers. I had to escalate to five different HSBC staff and it took me 1.5 months to finally get an answer. During the process, I sent dozens of emails to different HSBC staff for answers. After getting so frustrated, I asked for the contact information of their supervising authorities. At my 7th request, they finally gave me your name. This was a terrible customer service experience. 3. HSB C has been using double standards to decide how to communicate with me. When I opened my account back in XX/XX/XXXX, I told them my sister will help manage my account since I am too busy and I fully trust my sister. Since then, my account manager has been in communication with my sister for all account services through emails, phone calls, etc. When I asked for investment options, HSBC staff also called my sister instead of me to discuss options. But when my sister followed up on above # 2 issue, HSBC staff said my sister can not handle this complaint since she has no power of attorney to represent me. I do not understand why my sister can handle my accounts in any way but when it comes to complaints, she can not? 4. HSBC downgraded my checking account level from premium to advance on XX/XX/XXXX without getting my approval. Again, I have all email communications to prove above. I am more than happy to provide any evidences to support my claims. Thank you for your time! XXXX XXXX
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-27
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: In XXXX , Beneficial added more debt- They just added {$360.00} to my balance, it said lender advanced?? and they added {$34.00} for home insurance ( for no-home ) and {$49.00} for taxes- ( that I pay every year? ) and upped my payment {$130.00} a month. They wont let me pay it down, every month it goes up. I paid it down to {$9000.00}, but this month it is {$10000.00}, these guys are crooks. They continually up my payment and add more debt. EVERY month! THERE IS NO HOME TO INSURE ON THIS PROPERTY! Since I made a complaint to CFPB they are getting worse punishing me for complaining.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A