Date Received: 2016-02-23
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: I have Identity fraud. I am being contacted by XXXX XXXX for account that was fraududlently opened using my information. I have filed a police report and they continue to contact me demanding a payment.
Company Response:
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2016-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-22
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: They have called me upwards of XXXX times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.
Company Response:
State: IN
Zip: 47933
Submitted Via: Web
Date Sent: 2016-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Our law office represents a client who has a mortgage with HSBC. We called simply to get the accurate address to send a " Notice of Error ''. We spoke to the HSBC representative at XXXX after dialing XXXX. She refused to give an address to our office so we have used the address for " Error Resolution '' on their website, HSBC, XXXX XXXX XXXX, FL XXXX
Company Response:
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2016-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-18
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: At approximately XXXX on XXXX/XXXX/XXXX I was contacted by phone at my residence by a man claiming that he was in the area representing a firm by the name of XXXX. The firm was sending him to serve me with sealed legal documents that would require my signature. He stated I was being sued by XXXX of their clients. When I told him that I have no idea what he 's speaking of or who would be wanting to sue me, he then gave me XXXX and case # XXXX and told me to call the firm and they could explain. When I called the number the rep told me this was in regards to an HSBC debt of {$1200.00}. A debt that I have disputed since XXXX and more recently in XXXX. When I explained to the rep that I have never received any notice in writing from their firm and that I still dispute the debt. I was then told I had to pay in full immediately or I would be served legal papers today taking me to court. When I refused I was then offered a settlement for the half the amount. When I refused I was then sent to another dept and offered some kind of payment arrangements. When I continued to dispute the debt I was told I would be served legal papers today or within the next few days and they would see me in court. Then the firm abruptly hung up on me.
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2016-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from XXXX XXXX XXXX stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. XXXX XXXX dismissed my statements and said I would have to pay that amount.
Company Response:
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2016-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Due to an error ( not submitting insurance payment from our escrow ) on the part of the Mortgage Servicer, beginning 2 years previous of notification to me, I was placed on " Force-Placed '' Insurance, and the payments went up from aprox. {$1900.00} per month to almost {$2600.00} per month. Even after we got our own insurance, we were considered a " High Risk '' insurance, and ca n't get the rate we used to have, but now have a {$2300.00} per month payment to deal with. I want to get my old payment back, as now this is a major struggle to meet payments, and I fear that I will lose my home due to someone 's ineptitude. HSBC 's attitude has been one of aloof indignation.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2016-02-17
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2016-02-15
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: In XXXX, XXXX, I pulled my credit report and found an account I was not familiar with that was in collections with a company named XXXX XXXX XXXX. It stated that it was a closed credit card account and the original creditor was HSBC. On XXXX XXXX, XXXX, I sent a request for debt validation to both XXXX XXXX XXXX and HSBC regarding this account. XXXX responded on XXXX XXXX, XXXX, stating they could not validate the debt and would instruct the credit reporting agencies to remove the XXXX account from my credit report. HSBC never responded. In XXXX, XXXX, the credit entry by XXXX was not removed, the creditor name was changed to HSBC and noted as a Charge Off. In XXXX, XXXX, I filed a police report for identity theft with the XXXX County Florida Sheriff 's department regarding this account. I supplied this report to the credit reporting agencies XXXX, XXXX and XXXX in a formal dispute of this account. XXXX and XXXX removed HSBC from my credit report after fulfilling their own dispute validation processes. XXXX continues to report HSBC on my credit report and states it has validated the debt each time I have disputed it with them. On XXXX XXXX, XXXX, both HSBC and XXXX were sent letters from me. The HSBC letter was a second debt validation request and it included copies of the first request sent to them, XXXX XXXX XXXX response and the identity theft police report filed in XXXX, XXXX. XXXX included the same copies, with a letter requesting a full investigation of the debt. Nine days after XXXX opened the formal investigation, the closed it stating the debt was validated. Meanwhile, as of XXXX XXXX, XXXX, HSBC still has not provided the validation I requested. This account is not mine and I am struggling with the creditor and XXXX to properly validate the debt.
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2016-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have had my original company HFC promise a drop in my interest rate after 6 months of paying on time, this was the beginning of the loan which was to also include the taxes with the payment. When we originally did this loan it was all done by phone. No eye to eye until signing of paperwork. After arguing at closing in HFC office we were told to sign an ammendment sheet that was blank in front of the company rep. They would ammend the contract because we were refusing to go through with the papers that day. Signed a sheet with a few lines only for a signature on them and the date. Nothing was ever done with these papers because within 3 weeks of signing all the paperwork all the HFC offices closed and we were never told at paperwork time that they were that bad off to be closing all offices. They did cut checks that took forever to get where they were going too, this was a HELOC Loan and I only now had a phone number to call. Well years have passed and we are now behind because of my illness and my husband still works and we wanted something like a modification to help. Told that all modifications are only temporary and not willing to work with us. I have supplied through faxes alol the info they have asked for. I wonder where all that info of mine is because they are constantly changing people and company names and the left hand has no idea what the right is doing. EVER. I am now in foreclosure with them but have been aprehensive to talk to them from all the past renaging on previous deals. They have refused to start accepting payments from me from last year in XX/XX/XXXX because back amounts were n't payed. I asked them if is n't it better I pay something that is better than nothing? The girl told me because I took help from HUD and their MAP program that helped me catch up, there was nothing I could do. So all the paperwork I supplied them, paystubs, tax returns are where I asked? Someone must have them. no one can tell me that. I have had nothing but empty promises from them and will not move forward till I have an attorney deal with them. But all the complaints listed on this website sound like mine. What can we do as a group to sue these people or make them work with us? Is this legal for them to be able to steal homes? Please help because My time is running out. I am able to pay but told the last specialist that the other customer service people are quite mouthy and she told me thats too bad. I said I was going to record their responses and they immediately hung up. Now an attorney told me just to record them anyway. I guess I will have to do this. President Obama has helped people with other housing issues but HFC goes unchecked. Please I need some help here. How about people that are in actual need get some help? These seem to be all the same stories about this company. Now its HSBC who argues about my terms of my loan at every chance. I do not want to supply them with original copies like the housing XXXX wants me to because if my loan has been passed around should n't they have the original somewhere? And these are all high rate loans. 7 3/4 %. Bad .... I believe HSBC is the XXXX servicer of this loan but they have used this against me. Was HFC originally. Then Beneficial Finance. Then it was sold for a very short time to XXXX. I have the letter that says they are the new company and we had a new loan number. Then come to find out 2 months later it was HSBC who is guessing at my rate and if it 's fixed or adjustable. The last conversation with them was a lady telling me that my loan was adjustable and at 9 %. Which neither is correct. I told them to get their info right but they filed foreclosure papers against me. I have a mediation to go to to try to negotiate which I heard they do not do.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2016-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I needed to pay off my HSBC credit card placed at XXXX as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement XXXX ands I agreed upon, however XXXX still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. XXXX used deceptive, misleading and false statements to get me to pay off the debt.
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2016-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-12
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I had a money market account with HSBC.. I closed it on XXXX/XXXX/2016. I only received interest through XXXX. I was owed 9 days interest totalling about {$11.00}, which I know is a very small amount. I still have a checking account & credit card ( both mostly inactive ) at that bank. They could easily credit the interest to those accounts but wo n't. Their customer service department is a nightmare. After marathon waits on hold enduring music which seems designed to be annoying, you speak to a series of exquisitely polite human automatons who keep connecting you to someone else until eventually you either get disconnected or speak to a supervisor who tells you to call back later or says someone will call you back ( they never do ). I 'm tempted to just let them keep the {$11.00} but I do n't want to let them get away with it & I can not handle another session w/the customer service dept. Please make them pay me the interest which they do n't even dispute they owe me.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2016-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes