Resources for resolving common issues with HSBC products and services
The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.
The CFPB will forward your complaint to HSBC and work to get a response. After your complaint is forwarded, HSBC has 15 days to respond to you and the CFPB. HSBC is expected to close all but the most complicated complaints within 60 days.
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HSBC Bank account or service using a debit or atm card January 4, 2016 - I 've tried to buy tickets online on - - and all transactions came out as declined. When I checked my bank account I realized that - transactions were actually authorized and - dollars were missing from my account. I immediately called the bank to get the transactions reversed, once they were never authorized. Any regular bank would have blocked the second transaction since they were duplicates ( same website, same amount and made with less of a 5 minute interval. ). The bank informed me that they could n't do anything, that those were valid transactions, even though I told them I ... |
HSBC Bank account or service account opening, closing, or management December 25, 2015 - I opened and funded an HSBC Advance Checking Account around -/-/- by telephone using a referral code, -, from a friend, - -. HSBC has a promotion that is supposed to issue me a credit of $100.00 for opening an Advance Checking Account using a referral code within - weeks of fully funding the account. See offer attached. I have called many, at least 3, times over the last 3 months trying to get my bonus. But continually I have been told that HSBC has to look into my situation more. I was finally able to get a nice customer service rep, Tin, last week who seemed to be help... |
HSBC Bank account or service account opening, closing, or management December 22, 2015 - Please try to open an account online with HSBC. They are asking for ridiculous amounts of information no other bank asks for when opening an account online. They are saying the Patriot Act requires it which is simply a lie. ... |
HSBC Credit card sale of account December 19, 2015 - HSBC is reporting a credit card that was transferred / sold to another company as a charge off. This is in violation of the FCRA as an item that has been sold can not be listed as a charge off by the company that sold the debt. HSBC has not addressed this concern in my prior requests to them. They are causing damage to my credit and I intend to litigate this matter. I contacted the company they sold the debt to and I was advised that they are no longer reporting this account as of 2010. However the original creditor HSBC is reporting it as a charge off but they profited by selling it to - -... |
HSBC Mortgage loan modification,collection,foreclosure December 17, 2015 - Due to a pending divorce from my spouse, I requested a loan modification from my Lender, HSBC, and received an approval today wherein they lowered the payment. However, the interest rate was not changed and is still 9.25 %. This is predatory lending because the current interest rates are 4 % or less and mine is more than double. It appears that they only reamoratized my 30-year mortgage and included my taxes and home insurance payment into the mortgage payment. Previously I paid the principle and interest only and was responsible for paying my yearly taxes and home insurance on my own separate... |
HSBC Mortgage loan modification,collection,foreclosure December 17, 2015 - We ( my wife and I ) working with a Forensic Mortgage Analyst found that our mortgage had been handled improperly and are looking for relief. The big " Banksters '' were bailed out with our tax dollars. The States fined the banks and won money from the banks. I am an individual working to be a good citizen. I want to know where my bailout is??? Please read attached Forensic report for more information. ... |
HSBC Mortgage loan modification,collection,foreclosure December 15, 2015 - My wife and I received a call from a person identifying herself as - -, an employee of HSBC Beneficial and employed in the Underwriting Department. She contacted us regarding an offer to modify our loan and faxed us - pages of information describing the process. The information we received stated that our monthly mortgage payments would be reduced by several hundred dollars as well as the interest rate. The information stated that we would first have to make 3 trial payments of $880.00 beginning on -/-/2015. The next 2 payments would be due on the - of the month for the sam... |
HSBC Credit card closing/cancelling account December 15, 2015 - I cancel the credit card because I was unhappy with the customer service and the business practice. The credit card was cancelled -/-/- but despite numerous attempts to close the credit card account ( each time I was told the error had been corrected, the account was closed with - balance ). These attempts including reach out to Consumer Financial Protection agency ( Case # - & - ). So far, I have - written confirmation letters from HSBC pertaining to the closing of credit card. But despite the confirmation letters, HSBC decides to harass me yet again about the account that I ... |
HSBC Debt collection taking/threatening an illegal action threatened to sue on too old debt December 15, 2015 - They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. - - -, - and their attorney - - ( -, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account - had purchased that was originally a credit card from HSBC - -. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in - County Court in Colorado, and attempted to even illegally obtain a judgement against me in - County Court. I had to fight them for approx. a year... |
December 14, 2015 - I have disputed this item multiple times but have not been successful with getting the file update. HSBC is reporting as a charge off but sent me a letter advising that the account was sold to another company. If this is the case my file should have been updated to report transferred. For five years HSBC has reported incorrect information. I have disputed this file numerous times with - but have not been successful with getting this account to report correctly. Per the FCRA if an account is sold or transferred you can not report the account as a charge off. This reporting has affected my cr... |
HSBC Prepaid card managing, opening, or closing account December 12, 2015 - I applied and received a secured credit card from " HSBC BANK '', around -, -. After Closing account by phone notification, and offsetting credit balance by sufficient security funds held by HSBC BANK I deposited for the credit card, HSBC BANK continued to accrue interest and penalties against my credit balance. Years later, I discovered on my credit report an outstanding balance reported by HSBC BANK, and sold to other collection companies to perpetuate an updated date of debt beyond the 7 year limit of the law ( - to - ). I do not owe any principle balance or interest/penalties c... |
HSBC Mortgage loan servicing, payments, escrow account December 11, 2015 - CASE # - ( MORTGAGE LOAN # - ). The response letter dated - -, 2015 from HSBC/- - did not address the problem raised by me. The form for " payoff '' claimed to be mailed -/-/15 by - - and also mailed by - - -/-/2015..none of those was ever received. - -, 2015 spoke with - -, who said she was awaiting the return of UNDELIVERED MAIL TO ME. Failure to provide copies of those - pieces undelivered mail with notations by Postal Carrier on envelope citing reasons. Failure to also address - - questioning my ability, comparing me with others ... |
HSBC Debt collection communication tactics threatened to take legal action December 11, 2015 - Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( - - ) that the previous collector ( - - - was no in charge of the account. I have tried to verify ... |
HSBC Bank account or service account opening, closing, or management December 10, 2015 - I began using HSBC in - when I opened a credit card and debit account. I had a great experience with them while I was a - customer. Once I changed my account to a standard level ( because I was n't meeting the minimum dollar amount in the account ), many things began to go wrong. I was n't very happy with their services, their representatives were often giving me incorrect information, I would get different answers from different representatives etc. Nevertheless, I decided to only close my checking account but keep my credit card open and not use it since I did n't want it affecting my ... |
HSBC Bank account or service account opening, closing, or management December 9, 2015 - I received a text message from what appears to be an HSBC address saying that suspicious activity has been detected on my account, and to verify my account details to prevent suspension of my account. This seemed fishy -, so I called HSBC directly since their website does not allow me to log in unless I have an active account, which to my knowledge I do not. The phone system HSBC employs will also not allow callers to speak with a representative unless they either have an active account or lie about the nature of their call. In my case after a half-hour spent trying to navigate through thei... |
HSBC Debt collection cont'd attempts collect debt not owed debt was paid December 9, 2015 - - - fraudulently reported a dispute on my credit report for a $600.00 collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because - -/HSBC is refusing to delete the inquiry off my report. I am about to lose my home loan all because a $600.00 collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan. ... |
HSBC Mortgage settlement process and costs December 8, 2015 - In - of 2009, my husband and I filed Chapter - Bankruptcy. Our mortgage company, HSBC, agreed to a loan modification and reaffirmation which lowered our mortgage payments from - to -. We signed these documents with our Bankruptcy Attorney ( - - - - -, -, - - -, -, - - ) and they were sent to the Attorney for HSBC - - -, - - - -, -, - -, - ) to be filed with the court. Four years later, we start getting notices from HSBC that we were behind on our mortgage payments and they threatened to foreclose on our house. N... |
December 7, 2015 - -/-/- I opened a credit card account w/HSBC. Several of their employees told me if I charge at least $1500.00 w/in 90 days I would get a $150.00 cash " reward '' ( I do n't understand the difference between $150.00 and $150.00 'reward ' ). I charged the $1500.00 w/in the time frame & was told the $150.00 would soon appear in my account. As of 30 minutes ago it had n't. I made several calls to the - # - the last time I was connected was -/-/- when I spoke to someone who identified himself as " - '' emp. # -. He said the $ would be in my account in the " next few ... |
HSBC Bank account or service account opening, closing, or management December 7, 2015 - My wife and co-borrower, wrote a check against our home equity line of credit to pay a credit card. HSBC returned the check unpaid and indicated that she was an unauthorized borrower. After calling HSBC customer service twice, they then said that the signatures did not match. I then ask them to provide proof by requesting a copy of the returned check and the signature card but HSBC had the audacity to charge me a fee for this. I can not believe that they want to charge me a fee for their mistake. I have since been charged $30.00 by HSBC for a returned check fee. My credit card company also c... |
HSBC Bank account or service using a debit or atm card December 6, 2015 - I received a call from my bank asking me if I had used my debit card for a couple of transactions. I listened as they rattled off these transactions and one got my attention. It was from - - for $19.00 and I told them no I did not authorize this transaction. So they deactivated my debit card, and after I hung up the phone I was curious if this was the first such charge. So I went through my bank statements and found that it was n't the first such transaction. It had been going on for about three months to the tune of over $1000.00. So I contacted the bank and disputed the charges, ab... |
HSBC Debt collection cont'd attempts collect debt not owed debt was paid December 5, 2015 - Constantly getting calls from HSBC Collections. - for - Credit Card which was paid in full. This account shows on my credit report that it was paid in full and closed. ... |
December 4, 2015 - I had - ( - ) credit cards with HSBC Bank USA that accumulate points for every dollar I spend with my credit cards. The points that I earn accumulate in my account until i used it for purchase of airline ticket or other goods and merchandise, base on the terms and agreement with the credit card company my points never get expired. I currently have - points - card and - on the - card. I received a letter in the mail one day to my surprise the bank close my account and cancel my credit cards. When I call the bank to inquire what the problem was I was told that my business was n... |
HSBC Mortgage loan modification,collection,foreclosure December 3, 2015 - I am contacting the CFPB for help in trying to deal with my mortgage company, HSBC Mortgage Service Center. Please see the attached original mortgage note which shows this loan originated on -/-/- with the original principal balance of $410000.00 with a rate of 6.125 %. This was a full document loan with good credit. I had been promised a 5.875 % according to the attached commitment letter but at the time of closing, I was told the rate was locked at 6.125 %. As you can see on the HUD - settlement statement, I was charged $10000.00 to the broker and what I was informed well aft... |
HSBC Mortgage loan modification,collection,foreclosure December 2, 2015 - On - -, 2015 PHH Mortgage was faxed Notice of representation for - - - requesting all correspondence be directed to our office as their legal counsel. On - -, 2015 a financial package was submitted to PHH Mortgage. PHH Mortgage did not send a confirmation of receipt of the financial package as required due to it being submitted 37 days prior to a sale date. A missing documents letter was not issued or sent to our office until - - via email from the banks attorney. PHH Mortgage has prevented the client from being reviewed for a loan modification by placing the file in... |
HSBC Mortgage loan servicing, payments, escrow account December 2, 2015 - To whom it may concern, I have a mortgage loan with HSBC. The initial loan # was -, the property address is - - -, - - NY -. The mailing address is the same - - -, - - NY - as the property address. HSBC changed the loan # to - after - - and changed the mailing address to - - - without my consent. The mailing address - - - is not available now. I had lost lots of mails from HSBC including the - forms, payment adjustment etc documents. So I called HSBC to change the mailing address to the property address - where I am livi... |
HSBC Credit card identity theft / fraud / embezzlement December 2, 2015 - HSBC BANK Acct # - Status : CHARGE-OFFThis account was reported in - 2008 as being the victim of identity theft ( Police Report # - ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit fil... |
HSBC Mortgage loan modification,collection,foreclosure December 2, 2015 - We have lived in our home for over 10 years. We survived through the barrage of foreclosures in our neighborhood. 2yrs ago we applied for a modification loan with our lender HSBC. While we were going through the process, we had - - - different loan officers. It took forever for us to receive the modification packet. Once we received the paperwork, we immediately signed, had notarized, and mailed back in. About 6 months ago we were notified by our Bankruptcy attorney ( paying on a Chapter - ), that HSBC submitted $30000.00 in back payments, late fees, interest, and legal charges. Whe... |
HSBC Mortgage loan modification,collection,foreclosure December 2, 2015 - I have a loan that has been serviced by HSBC since -, -. I admit that there have been several times over the course of the last 14 1/2 years that I have fallen behind on my payments due to financial situations. In -, - I went from being self-employed to employed and my salary significantly decreased. In addition, my daughter had - and I was incurring significant co-pays and deductibles. On - -, - I contacted HSBC regarding loan modification. I faxed my paystubs and a hospital bill. On - -, - HSBC sent me a letter offering a short sale or deed-in-lieu of foreclo... |
December 1, 2015 - HSBC Bank USA , NA refused to issue a credit balance refund, upon receipt of a written request from me ( the account owner ), stating as their excuse that there was an outstanding -month-old 'security hold ' on the account. ( This credit card account had been 'hijacked ' in - 2015. HSBC was not able to resolve account security issues to my satisfaction so I decided to close the account but, first, I needed the credit balance refunded. ) HSBC refused to issue the credit balance refund, as required by Regulation Z -, unless I first lifted the 'security hold ' ; Regulation Z does n't app... |
HSBC Debt collection communication tactics threatened to take legal action December 1, 2015 - I had a credit card through HSBC. I was paying on it, then I was taken off of work because of a - in car accident. I had -, then they found other injuries and medical problems. I have since tried to get back on my feet but still have problems. I have since tried to pay and in the last 2 months have paid well over $100.00 toward this debt, receiving letters back from the collection agency thanking me for my payment.Copies of these letters are enclosed. I have continually asked for the summons I was served with to be dropped because it would ruin my credit and I had made honest attempt... |
HSBC Mortgage loan servicing, payments, escrow account November 30, 2015 - I recently reviewed my Deed of Trust and Release of Deed of Trust on my property located in - - Colorado -. In reviewing it I found a Deed of Trust was filed in or around -/-/- which was paid. In -/-/- all mortgages were paid in full on my property. Using the information from my - from the mortgage company I sent a letter requesting this be resolved. I sent it Certified Return Receipts. On - - the letter was returned marked no forwarding address. The Mortgage Lender in question is Beneficial Finance and Subsidiaries the address listed on the - was in - NY. I a... |
HSBC Bank account or service using a debit or atm card November 27, 2015 - My ATM card 's expiration date was - 2014. When I did not receive my new card by mid - Istopped in - branches over the course of two weeks, - - -, - - and -. I never requested over-draft protection, but I received this letter rejecting my application. When Iinquired about this issue, the - - - explained that over-draft protection isautomatlcally applled for when you renew your ATM card. I have never had this happen before and I'vebeen banking with you for at least eight years. I was also told that a credit check was not done, but that was not true. ... |
HSBC Bank account or service using a debit or atm card November 25, 2015 - locked my debit account for no reasonno /rude customer service ... |
HSBC Debt collection taking/threatening an illegal action threatened to sue on too old debt November 24, 2015 - First they called me and left an unintelligible message. The next day they called my - mother in another state and told her there was a warrant for my arrest. Then I called the number and was repeatedly transfered receiving different information at each step, " it was a subpoena, '' it was a " civil suit. '' Finally was transfered to " director of litigations - - '' who belittled, insulted, and implied they would sue me, trying to extort at least $200.00 before I finally hung up. ... |
HSBC Mortgage loan servicing, payments, escrow account November 24, 2015 - I opened up - mortgages with HSBC. Part of the agreement for getting a preferred rate was to open also a - - and deposit $100000.00 which would get an interest of 0.01 % because they were giving me such a great mortgage rate. They also said if the account dropped below $ - that I would be penalized $50.00. Since the loan and the account were connected it was assumed that when I refinanced with another bank that the stipulations would end with the mortgage loan from HSBC. But, it turned out that they continued to deduct $ -/month for 2 months after I ended our mortgage relati... |
HSBC Mortgage loan modification,collection,foreclosure November 20, 2015 - I have a mortgage with HSBC and have been paying for 12 years. When things got difficult I applied for a modification and they issue a temporary modification. I have been paying my account and kept it current for over six years. I requested from them to offer a permanent modification since the rates were low as the interest I have is 8 % but they refused. I request for a refinance and that was not an option either. In - of 2015 I learned that they have not been reporting to the credit bureau so there is no record of my making payments to them for 12 years. I contacted them in - and reque... |
HSBC Mortgage loan servicing, payments, escrow account November 19, 2015 - On -/-/-, my wife and I took a mortgage with HFC, now HSBC, which included a life insurance policy payment of $120.00 covering both myself and my wife which was included and paid to HSBC in - check with each bi-monthly mortgage payment. A total of $940.00 ( every 2 weeks ). I could have taken a widow 's benefit on my pension, but it would have been a more costly deduction. On -/-/- received a cancellation notice from a Co. named - - -. of - stating that as of -/-/- my policy would be canceled. Upon calling HSBC at -, I was told that they transferred my poli... |
HSBC Mortgage application, originator, mortgage broker November 14, 2015 - I am in the process of applying for a loan from HSBC. The loan consultant was not familiar with FICO scores and the various scores or methodologies of FICO. She stated that you need a - FICO to qualify for the best rate but she could n't tell me whether they were using a FICO-, FICO- or FICO Mortgage - score. I had to ask multiple times and had to send her a link from a google search as she continued to say that they just take the middle of the - FICO scores. Her sales manager provided this response. HSBC utilizes a mortgage origination system to order credit from all - cre... |
HSBC Mortgage loan modification,collection,foreclosure November 11, 2015 - It 's not so much a mortgage complaint, it 's an alleged home equity loan that my now deceased mother n law took out in 2003. The bank ( HSBC ) claims she took out this alleged loan for - and they can not show us any proof of the loan. We have ask for all types of documents that support this claim and no one ca n't produce any documents. This has been thrown out of court - times and now they are trying to foreclose and take our home. Please help us! ... |
HSBC Debt collection taking/threatening an illegal action threatened to sue on too old debt November 11, 2015 - - called my place of employment and told my Assistant that they needed to speak to me in regards to serving me papers. They claimed not to know what the policies at work were but wanted to find out from me. She got a name and number. - - - ext. -. I called - - back and she told me that if I did n't pay on an old debt within 72 hours I would be served papers and would have to respond to my local courthouse within 72 hours. This debt is for $2800.00 from an old credit card that I had disputed since -/-/-. She offered to settle with me for $2100.00. She was going to ... |
HSBC Credit card billing statement November 11, 2015 - HSBC Bank enrolled me in paperless statements without my knowledge, approval or acceptance. As a result, I never received my paper statement in the mail, which I rely on to ensure I make timely payments, and missed 2 monthly payments. They have now reported my delinquency to the credit bureaus ruining my perfect payment history for over 20+ years. I 'm sure my credit score has been adversely impacted due to the reported delinquency. They did waive the Late Fee, but did not offer to correct my credit bureau report. My request is to correct my credit bureau report to reflect no delinquency as a ... |
HSBC Mortgage loan servicing, payments, escrow account November 10, 2015 - IN -/-/- I TOOK OUT A LOAN WITH HOUSEHOLD FIN FOR - AND MY PAYMENTS WERE - ON THE - OF THE MONTH ON A FI-ED RATE, AT SOME POINT THEY GAVE THE LOAN TO -, I CONT. TO PAY IN -/-/- THEY SOLD THE LOAN TO BENAFINICAL AND MY HUSBAND DIED IN -/-/- WHICH I CONT TO PAY WHEN I NOTIFY ALL PARTIES INVOLVED THEY SAID THAT MY NAME WAS NOT ON THE LOAN IN WHICH I DID SIGN SO I CONT TO PAY AND THEN THEY RAISED THE LOAN TO - TOLD THEM IT WAS A FI-ED RATE SAID NOT THERE PROBLEM PROVE IT AND I JUST CONT TO PAY -/-/- THEY TRIED TO RAISE MY LOAN AGAIN TOLD THEM I COULD NOT AFFORD T... |
HSBC Mortgage settlement process and costs November 10, 2015 - My wife and I refinanced our mortgage -/-/- with HSBC. While at the closing we were informed this was a consolidation, modification? My wife and I were originally under the assumption this was a complete refinance of our mortgage and paying off our line of credit. We started to review our paper work and start to research what should have happened. We were overwhelmed trying to make sense of the laws and regulations for mortgages. We then started to speak with an individual - - - - we met through someone else and he helped to explain this very complicated process a mortgage and... |
HSBC Bank account or service account opening, closing, or management November 9, 2015 - HSBC Bank was a revolving credit account I opened in -/-/-. I filed for - - Bankruptcy on : -/-/-, and HSBC was included in the filing. I paid on this account for over two years after filing bankruptcy until HSBC Bank discovered I filed for bankruptcy two years previous, and my account was closed. The closing date that this account was reported to - was -/-/-, which should have been corrected as : -/-/-. I sent previous letters to HSBC Bank with no response. My most recent letter was faxed to their correspondence department on : -/-/-, and I have never recei... |
HSBC Bank account or service account opening, closing, or management November 6, 2015 - 1. Despite confirming that I will be visiting the branch to collect the new account package, the relationship manager sent it through mail which caused significant delay in getting access to the account after it is funded. Email communication can be provided as evidence as needed2. After attempting to activate my online account through https : //www.us.hsbc.com/1/2/home/personal-banking on - -, no - password was received as of - - despite the - hours delivery Service Level commitment which is likely due to system fault as discussed with various HSBC staff3 . Relationship mana... |
HSBC Mortgage credit decision / underwriting November 5, 2015 - When my wife and I first entered into mortgage loan with HSBC, they guaranteed that we could review and get better rate when available. We had some issues with payments early on but for past 16 months have been timely on our payments and in accordance with their requested cashier payment and monthly payment thereafter. It has been almost 2 years, and they refuse to correct late or overdue fees and will not redo our loan at a competitive rate based on todays mortgage 's. In addition, since they will not correct their records concerning late fees, our credit report with all - agencies have pr... |
HSBC Debt collection cont'd attempts collect debt not owed debt is not mine November 4, 2015 - A pervious acquaintance made a purchase from - - on credit. A collection company is now trying to collect the debt from me. I am not a party to the debt, nor have I ever been. I requested verification of said debt, and they sent a copy of a statement in which I am not listed. They refuse to stop persuing collection of the debt unless I file a police report for Identity Theft. I do not see any indication that my identity was stolen by the borrower. I contacted - - and was told that I had been put on the account as an " Authorized User '', but I was not a party to the debt. ... |
HSBC Credit card closing/cancelling account November 4, 2015 - My HSBC business accounts were closed by the bank in 2013, so I personally and specifically asked them to close my personal accounts as well. Last month, I received a statement from them for an open credit card account. It had no billed amounts or balances but it showed the account still open. I 'm concerned that an open account with no activity might pose a security risk and I do not wish to take responsibility for that. Also, it could cause trouble for me if I choose to take a mortgage. Should they choose to close it, it could impact my credit at a time that I need it. ... |
HSBC Mortgage loan servicing, payments, escrow account November 3, 2015 - I have received multiple letters and phone calls from HSBC regarding complaints lodged by me for the way they handled my recent refinance. In each instance they make promises about when they will call and talk to me as well as when I will hear back from them in written form. Once again they do not live up to their promises or meet their obligations. The most recent dates that they committed to and that have come and gone were a return phone call that was suppose to happen on -/-/2015. And letters to me promising a written response back to me by -/-/2015 and again by -/-/2015.... |
HSBC Debt collection taking/threatening an illegal action threatened to sue on too old debt November 3, 2015 - back in 2009 i got a credit card from -. they contacted me today and said they are coming to my work to serve me. they have called me atleast - times today. last month i told them that the statue of limitations in oklahoma is 3-5 years and they got real hateful and said we can argue this in court and hung up on me. i need to know what i need to do about this. please help ... |
HSBC Mortgage loan servicing, payments, escrow account November 2, 2015 - I have a mortgage that was sold to PHH -/-/- and I have had problems with them not processing my payments correctly and in a timely manner. I typically send additional principal payment along with the mortgage amount that is due each month. Mortgage payments can be paid within the - through the - of the month. I use to pay early before - but PHH did n't apply the funds and in fact frequently called me to tell me the mortgage was " late '' because they refused to apply the early funds before - the month. THey did this even though the money was sitting in the account but they ... |
HSBC Mortgage loan servicing, payments, escrow account November 2, 2015 - I currently have a 30 year decreasing interest rate loan with Beneficial a member of the HSBC Group. I have had this loan since - -, 2005. Under the terms of the loan, my interest rate will decrease by one quarter percent annually if all payments are made on time during the year, which has always been the case. This was done automatically until 3 years ago. For the past three years on my anniversary date the interest rate has not been decreased until I call and write letters to have the issue resolved. Since this has happened for three consecutive years, I feel Beneficial is behaving in ... |
HSBC Mortgage loan servicing, payments, escrow account October 30, 2015 - Mortgage servicing company ( PHH ) is not applying payment funds correctly, has incorrect amounts due, & issues payment reminder notices indicating payments not received, debt collection notice, and threats of reporting information to credit bureaus weeks before payments are even due. ... |
HSBC Credit card delinquent account October 30, 2015 - I am being harassed about a - Orchard Bank debt of $500.00 which is now $2100.00. this they say happened in 2000. I say I cleared this up and I do n't owe them. My credit report has been cleaned up at least - times in 15yrs. I say the statue of limitations protects me against their claim. They called me and threatened to come to my job and file a court judgement against me. They just want the money and said they would call on Friday, today to see what plans I have for paying them ( a - party ) - - - Firm. ... |
HSBC Credit reporting incorrect information on credit report account terms October 29, 2015 - HSBC this account was closed back in 2008 and it still appears on my credit report, I 'd like to have it removed since it is well past the SOL. ... |
HSBC Mortgage loan modification,collection,foreclosure October 29, 2015 - Dear - - and CFPB representatives, I am submitting a complaint against HSBC because they are not only acting in an unfair and deceptive manner but they are also violating both state and federal laws that afford me certain consumer rights. It is my understanding that HSBC is presently violating FDCPA laws, CFPB laws and regulations, and California 's Homeowner Bill of Rights. I submitted a complete Request for Mortgage Assistance ( RMA ) on Friday, -/-/-, from HSBC to retain my home ( please see both fax confirmation attached as well as attached email confirmation from HSBC ) witho... |
October 29, 2015 - I contacted - about a couple months ago and they did remove this time barred debt from - credit bureau BUT NOT - that has more than exceeded the time statute to collect at best this questionable debt of $16000.00. - did remove this debt from experience and - - however it still remains on my - - - - credit report And needs to be removed immediately or I will have no choice but to pursue legal remedies since this debt at best is questionable and is time barred and has well exceeded the statue limitations ... |
HSBC Debt collection cont'd attempts collect debt not owed debt is not mine October 28, 2015 - Data central Collections turn a collection over to the credit reporting agents the original debt came from HSBC and i have never did business with that company i have never received a invoice or demand letter to validate the debt ... |
HSBC Debt collection cont'd attempts collect debt not owed debt is not mine October 27, 2015 - I have been repeatedly called by - - - ( - - - - -, MI - ) and threatened with legal action regarding a debt. I have contacted the company several times and asked for the information regarding the debt. They claim that the debt is from " - - '' which was later acquired by HSBC. They claim that the account was opened on - -, 2009 and charged off in - of 2009 with a balance of $780.00. They can not or will not answer what kind of account it was or what the charges to the account were. They have promised to send legal information to my address num... |
HSBC Debt collection cont'd attempts collect debt not owed debt is not mine October 26, 2015 - I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( HSBC ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( - - - ) so i called them and told them and they said that it was sold to another company ( - - - ) but refuse to give me any other details i ask why i was not sent a letter or... |