Review and analysis of over 1,082 Conventional Fixed Mortgage complaints against HSBC
HSBC consumers have reported over 1,082 official complaints related to Conventional fixed mortgage. Out of the 1,082 consumer complaints against HSBC, 27% were disputed by the consumer (i.e. the consumer was not happy with how HSBC responded to their complaint) and 99% were processed in a timely manner. 1% of consumer complaints against HSBC resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 1% resulted in non-monetary compensation.
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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 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... |
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 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 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 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 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 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 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 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 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 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... |
HSBC Mortgage loan servicing, payments, escrow account October 24, 2015 - PRETEND LENDER-HSBC BANK USA, - sold by HSBC NOT THE REAL PARTY NOR HOLDEROF THE NOTE NOR DEED-- - & - 'S filed by - - & - - -, - - & - - AT - - - - - NEW YORK - : Notice of Error & Request for Information/NOTICE TO FILE COMPLAINT FOR RECISSION, DAMAGES, & JURY _____________________________________________________________________________Filing a False Claim Index No. : - in SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF - filed by - - & - - -, - - - - - -- & -- - - extension... |
HSBC Mortgage loan servicing, payments, escrow account October 21, 2015 - On - -, 2015 I paid my Mortgage in full. I followed all of the banks processes and procedures to satisfy this loan. Since that time, I have been waiting for the final documentation from this bank showing that the loan has been paid in full and the lien has been removed from my deed. I have made a number of calls to their customer service department and have been told, both by phone and by letter, I would be receiving the documentation soon. My most recent call was made on - -, 2015 where I was advised that the issue is being escalated and I would be contacted within a week to advis... |
HSBC Mortgage loan servicing, payments, escrow account October 16, 2015 - I took out a mortgage with HSBC to buy my home -/-/-.all payments I make electronically from my bank account.it always shows the date withdrawn, the date received and a confirmation number.back around -/-/- HSBC wrote me and stated I should start sending my mortgage payments to - -.I started paying - - electronically from my bank account.- has been sporadically reporting me late to the credit bureau even though they receive these payments on time. I contacted them and was told that HSBC and - are the same company and that they are very busy but it will be straighten... |
HSBC Mortgage application, originator, mortgage broker October 10, 2015 - I was trying to refinance and i had submitted all the information and paid the appraisal and he said was aapproved and three months later he wanted a letter from the employer saying the reason why she was on medical I sent him the doctors form and also the form from the state but he wanted the employer to send that but the employer said that it was confidencial information. And he said I did not qualified because of that letter from the employer and because of the foreclosure which I had told him at application. Three months he said i did not qualified because of that .hI told him that I neede... |
HSBC Mortgage loan servicing, payments, escrow account October 10, 2015 - Fell behind on mortgage with Household Finance/Beneficial and made a payment agreement. Sent the first payment of more than agreed upon, but returned to me because it did not reach them within the date claimed ( takes time for mailing! ). The agreement was made after being denied for hardship assistance with the company, which in their denial recommended I do a short-sale or whatever, basically to get out. During this time I received several confusing correspondences within days of one another stating, thanks for the agreement, we want to help, etc. HUD does not assist on this company 's mortg... |
HSBC Mortgage loan servicing, payments, escrow account October 6, 2015 - My mortgage loan is with HFC and I have not received a mortgage loan statement in over a year. I am delinquent on the mortgage and I have sought help from a HUD Housing Counseling Agency. I did do a payment plan with HFC to repay the delinquencies and they stopped accepting the payments. They did not not notify me of this in writing and have not sent mortgage loan statements for me to review and resume with the payment arrangement. ... |
HSBC Mortgage application, originator, mortgage broker September 25, 2015 - Requested Payoff from HSBS -. They refused because of signature. Several attempts later we are still waiting on a payoff. Title Company faxed the request again yesterday with signatures. I faxed a signed request directly to HSBC at - today as a dual request. The mortgage company does n't have either request on hand. While ALL of this is going on, HSBC is charging me MORE and MORE money every day. The law states 7 days for a payoff - it 's been a MONTH. I as the consumer can NOT refinance without HSBC providing a payoff. ... |
HSBC Mortgage loan servicing, payments, escrow account September 24, 2015 - The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on - -, 2005 was approximately $360000.00. I made $25000.00 worth of principal payments on - -, 2005 and another $1000.00 in principal payments on - -, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of $360000.00. They claim that they will make - only adjustment to monthly payment amounts per year and will require not... |
HSBC Mortgage loan servicing, payments, escrow account September 24, 2015 - - 2015 I started an automatic billing using - - for $ - monthly payment is $2100.00, mortgage with Beneficial has deferred interest so I sent a letter and email to Beneficial that the remainder of the payment was to be used for the deferred every month, they are not doing that, every month so far they are putting it to principle and ignoring now that the check itself states $320.00 deferred interest ( - 2015 ) from the bank. I do n't know what else to do to get them to apply the funds to my deferred interest as I was informed I can pay that at any time by simply doing what I... |
HSBC Mortgage loan servicing, payments, escrow account September 16, 2015 - In - I took out a 30 year mortgage with HSBC at 5.875 %. Subsequently the market crashed and the condo price has decreased and thus I am upside down even at today 's ( - ) market value. I had contacted HSBC in - and did so now and the answer remains that same that since the loan is not backed by -/FHA hence there is no recourse for me to use - HAMP. While almost every of my neighbours have used - to their advantage I am still stuck at the higher rate and PMI. Luckily I do not have problem in making the making the loan payment but I would like to take advantage of a lower rate... |
HSBC Mortgage loan servicing, payments, escrow account September 16, 2015 - HSBC mortgage is refusing to update my credit file to reflect my mortgage was an account in good standing, never late that was transferred to another servicer- ( - ). They are incorrectly reporting that this mortgage as having been discharged through chapter - bankruptcy, delinquent and derogatory. There has NEVER been a late or missed payment on this account and it was NOT discharged in bankruptcy. I sent - and - - a copy of my schedule F bankruptcy petition to show the list of creditors that WERE included, paid for and discharged by the chapter - bankruptcy as proof and the... |
HSBC Mortgage loan modification,collection,foreclosure September 9, 2015 - I am in foreclosure with HSBC Beneficial. In -, the Office of the Comptroller of the Currency ( OCC ) sued HSBC for failing to meet the requirements of the Independent Foreclosure Review. I filed a complaint with the OCC and they advised me to file a complaint with CFPB. I would like to know what HSBC agreed to do for their mortgagees like myself who were placed in foreclosure with out the proper steps taken. ... |
HSBC Mortgage loan servicing, payments, escrow account September 3, 2015 - Fraudlent AppraisalBreach of contractDenial of due process ( Arbritation ) Illegal accounting practicesIllegal use of Government Funds ( - ) HFC lured Me into a loan agreement by overvaluing the residence by $70000.00. I was denied arbritation and taken to Civil Court. My contract stated if arbritation was requested by one Party the Other Party could n't seek relief in Civil Court. HFC would n't account for the large amount they recieved from - and other charges applied to Mortgage. ... |
HSBC Mortgage loan servicing, payments, escrow account July 18, 2015 - My bank HSBC has raised my fixed monthly mortgage payments over - per month again without explanation. Fixed mortgage.Only thing I could get out of the many many phone reps i spoke to is my taxes and hazard insurance has gone up that much. NOT true-Increases amount to a few - per anum total. I sent them ins & tax copies as I received from my brokers.HSBC left New York and I can no longer communicate face to face.When I paid the amount I had been paying every month they sent me a threatening collection letter demanding what they claimed I must pay.I filed same complaint vs. HSBC about a y... |
HSBC Mortgage application, originator, mortgage broker July 16, 2015 - In -, I and my ex-husband applied for a refinance & HELOC from Beneficial. The loans were granted. My ex-husband passed away - -. At this time I contacted a lawyer to determine my options for having my husband removed from the title to the property and mortgage. Lawyer took care of having husband removed from the title. I recently attempted to apply for refinance to remove him from the mortgage and take cash out. I learned through an attempt to refinance I was unable to refinance the property due to there is no deed from - found indicating my interest in the property. The only deed... |
HSBC Mortgage loan modification,collection,foreclosure July 15, 2015 - Unfortunately I am upside down on my home by $100000.00. I just received a Mortgage Statement showing $200000.00 due by - -, 2015. I am self-employed and my business/income has dropped considerably. I contacted Keep your home California '' which stated that I qualified for a Principal Reduction however the company that is carrying my note, HSBC, will not allow me to participate. I asked if I could at least get help with their other program that helps with relocation and moving expenses. I was again told that HSBC would not give permission for me to receive help there either. This is... |
HSBC Mortgage application, originator, mortgage broker July 7, 2015 - I have contacted beneficial about releasing a lien that should have been removed since 2003, I have called and faxed requests and unable to get someone to help me. The representative is stating they will send a release to the local court house, I had a local title company search and still show a lien, whywhy have the taken so long to release it, it is still showing a lien by beneficial hsbchsbc ... |
HSBC Mortgage loan modification,collection,foreclosure July 7, 2015 - Beginning - 2014, my income was reduced and I began having difficultypaying my mortgage. I applied for Loss Mitigation to try and reduce my monthlymortgage, however in - months time, HSBC never reviewed the requireddocuments. They kept writing me saying the documents were old, and I had tosend more recent ones. When I did send more recent ones, they were neverreviewed in the time frame needed, and they kept asking me to provide morerecent documents - bank statements -. I worked with a mortgage specialist there, - -, who made sure I faxed the needed documents in time. He confi... |
HSBC Mortgage loan servicing, payments, escrow account July 6, 2015 - My husband and I got a mortgage loan from beneficial mortgage -/-/-. We bought a credit life insurance policy from Beneficial when we got the loan. My husband died -/-/-. I have told beneficial repeatedly that he died and that I want to get the benefit of the credit life insurance policy but they just ignore me. ... |
HSBC Mortgage loan servicing, payments, escrow account July 6, 2015 - I am writing today because I was direct to your agency after contacting the NY - - - -. HSBC mortgage has been playing games with us for years and years. since moving from the - area, we can not get any information on our loan, about fees imposed, how much equity we have in our home, and any basic question like why is the amount owed different from one month to another, we are put on hold, disconnected, told we do n't have the right department or referred to a supervisor who says they need to speak with another office, after all this we Never receive a call back or answer to tha... |
HSBC Mortgage loan servicing, payments, escrow account June 30, 2015 - My husband and I got a mortgage loan from Beneficial Mortgage Company -/-/-. We bought credit life insurance coverage and have been paying a monthly premium for the insurance coverage since then. My husband died -/-/-. I told Beneficial about this repeatedly and demanded information about the policy but they ignore me. ... |
HSBC Mortgage loan modification,collection,foreclosure June 30, 2015 - In 2014, my husband passed away. I am on the deed and mortgage for the property, however, I am not on the note. HFC will not speak to me. -/-/-, I sent a Notice of Error requesting that they discuss the account with me. My attorney sent a letter with a release and we never received a response. I need to talk to my Servicer because there is a balloon payment in the near future. ... |
HSBC Mortgage loan servicing, payments, escrow account June 26, 2015 - HFC Mortgage Statement and HFC Account page amounts are not the same. Statement YTD owed should be $18000.00 ( 5mos. @ $ -2mos. @ $2600.00 ) YTD I 've paid $12000.00 Difference should be $ - not $5200.00 ( amt. on HFC Acct. page ) or $8000.00 ( amt. HFC Statement ) The only way I can make either of those totals is if I add - month at the old rate to the correct difference $5400.00 + $ - $8000.00. HFC has lost/misplaced/misapplied - previous mortgage payments. I wonder if it has happened again? ... |
HSBC Mortgage loan servicing, payments, escrow account June 22, 2015 - I have a mortgage through House Hold finance Member of HSBC Group. I am wondering if I qualify for some kind of relief due to predatory lending practices? I have paid this company approximately $110000.00 since -/-/--/-/-. I still owe $66000.00 for a property that is assessed at $69000.00. I have no equity built up so that I could refinance with another banking institution. No one will help me get away from this lender. The local branch office closed years ago. There is no one to contact any longer. I think the home office is in -. I really do not know.The last time I spoke... |
HSBC Mortgage loan servicing, payments, escrow account June 19, 2015 - My husband and I did a modification on our loan. I signed all the papers. Now since my husband passed away -/-/2014 a Veteran ( - -, they refuse to give me any information stating I am not on this loan and have NO financial obligation to them. This is my home for over 38 years. I would like to refinance this loan to lower my monthly payments to be able to handle my monthly bills, etc. I have had an attorney look up all the public records and I am on the recorded properties. The attorneys are baffled themselves. ... |
HSBC Mortgage loan servicing, payments, escrow account June 17, 2015 - HFC, Member HSBC Group, -. - -, -, - -:1. Refinanced my original mortgage, $140000.00 -/-/- and consolidated - mortgage for $60000.00 into new principal balance of $210000.00. Reported the $68000.00 - mortgage as Charged Off and sold it to - - - -, Attn : -, - - - -, -, - -. - - has me in Collections and the inaccurate information is being reported as Negative and effecting my - Score in a very negative manner. 2. My original mortgage did not have the provision to pay Real Estate Taxes but HFC paid $10000.00 to... |
HSBC Mortgage loan servicing, payments, escrow account June 17, 2015 - The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on - -, 2005 was approximately $360000.00. I made $25000.00 worth of principal payments on - -, 2005 and another $1000.00 in principal payments on - -, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of $360000.00. They claim that they will make - only adjustment to monthly payment amounts per year and will require not... |
HSBC Mortgage loan servicing, payments, escrow account June 17, 2015 - HSBC is refusing to accept Qualified Written Requests ( QWR '' ) under Section 6 of RESPA. HSBC sent me a notice that it had transferred the administration of my loan to -, and that any QWR was to be mailed to an address of -. A copy of the notice is attached. I wrote HSBC a QWR in - -. I mailed it and faxed it. I also filed a complaint with the CFPB. My - tax payments were in arrears, although I had paid for them through my escrow account. I received a letter back from HSBC in - -, stating that the bank got my CFPB complaint, and my fax to its service center. However, HS... |
HSBC Mortgage loan modification,collection,foreclosure June 12, 2015 - I was in the process of trying to do a short sale on this property at - - - -, Massachusetts -. I was promised $5500.00 dollars to relocate. This process never took place. I continued to live on the property. Then all of a sudden I got a notification that the property was going up for an auction sale on - -, 2015. I never received a foreclosure from household finance corporation ll/hsbc. ... |
HSBC Mortgage application, originator, mortgage broker June 12, 2015 - -/-/- we refinanced our home with beneficial hfc for - since then they have paid 4 years of lender advanced taxes since -, because we were unable to take care of them. they have something they have tacked on claiming they have deferred interest? I do not know what that is? we are trying to refinance with another mortgage company and they have our payoff balance at - we are not paying out the mortgage what can you help me with?? our mortgage is underwater somehow. How can I get some help in this. thank you - - texas - - - please help their address is beneficial -... |
HSBC Mortgage loan modification,collection,foreclosure June 2, 2015 - In - I purchased my home. In -, I refinanced that home. Today, in -, I am in a short sale. The reason is because my bank would not lower my 8.5 % rate to a more affordable rate. Yet, they are accepting a lower than market sale price. This makes no sense. I am being displaced so they could get less money for a home I was willing to pay completely for, just at a lower interest rate. I have exhausted all HUD options ( frankly there was only - I qualified for ) and have done the deferrals with my bank. A lower rate is ALL I wanted. ... |
HSBC Mortgage loan servicing, payments, escrow account June 2, 2015 - Back in -, we filed Chapter - bankruptcy of which our cars and mortgage were not included and were reaffirmed. Payments have been made and continue to be made yet our credit reports do not reflect them, which is affecting our credit. HSBC has put us under the bankruptcy '' customer service umbrella and refused on numerous occasions to change our account status. They are in direct violation of the federal court order. That and our bankruptcy was discharged approximately - years ago. The bank will not allow us to make payments online based on this fact. I have tried several times to di... |
HSBC Mortgage loan modification,collection,foreclosure May 28, 2015 - Spoke with a random Beneficial HSBC mortgage agent on the phone on -/-/2015 to ask about a reduced interest rate for my mortgage, yes we can do that. Received letter dated -/-/2015 offering a Loss Mitigation Application trial period. If I were to meet the - payments in the trial period, my loan interest rate would be reduced to 8.422 % and a reduction of $170.00 in mortgage due per month. I called the number on the letter and asked what is the catch? No, catch, we want to do this for you. My gut said something was fishy but I wanted a lesser interest rate and monthly payment, ... |
HSBC Mortgage loan servicing, payments, escrow account May 27, 2015 - I am a -. I own block/lot # - in the City of -, New York. I use my social security and retirement benefits to pay my mortgage. My mortgage companies are HSBC Bank USA , N.A . ( mortgage co. ) and - ( servicer ). I pay a monthly amount into escrow for my mortgage. They are supposed to use that escrow account to pay my property 's taxes and insurance. In -, I had received notification from the City of - that - taxes were in arrears ( attached ). In - -, I sent - the bills, and I also wrote them several letters ( attached ). After no response, I filed - complaints... |
HSBC Mortgage loan modification,collection,foreclosure May 20, 2015 - HSBC Approved my loan modification for two years. The terms of the modification are being violated for the following reasons:1 - Amount due on statement differs from the agreement. 2 - Payment funds are not being allocated correctly. Per agreement, $990.00 should be allocated to principal and interest. Statement shows funds applied toward deferred interest and interest only. 3 - I have not received an explanation of the Overdue Payment of $1500.00 for outstanding fees and charges. Please see attached documents and let me know if you could assist me. HSBC claims that the statements are auto... |
HSBC Mortgage loan servicing, payments, escrow account May 13, 2015 - My mortgage is with Beneficial Finance. EVERY month this year I have REPEATEDLY called as I DO NOT receive any statements!!! My due date is the -, of course, the sooner you pay the less interest. I am at my wits end with this company trying to get them to send me statements. It is now the - and still no statement. Mailing my payment takes a - to arrive at their office, then more time for them to post the payment. As such, at times my payment is late and interest keeps building. ... |
HSBC Mortgage loan modification,collection,foreclosure May 13, 2015 - We contacted our mortgage company last -/-/-, because of hardship and becoming behind. They would not help us, and depmanded a higher payment of $500.00 plus more dollars, making a payment for us of $1800.00, or Foreclosure would happen, and they pulled our permanent modification from us during our phone call. They also had been taking unauthorized payments for a few months of this higher payment amount from our credit union account for a few months, until we had to change over to a new account. Also in -, we had gotten a housing counselor to help us with trying to reslove our prob... |
HSBC Mortgage loan modification,collection,foreclosure May 3, 2015 - Hello, I feel like I am being victimized by - mortgage companies and my bankrupt attorney. I do n't know what I owe or who I owe it to. I guess Beneficial /HSBC - still my mortgage company. I can not understand the terms of my loan due to getting conflicting information and different answers to my questions. Due to huge medical bills we had to take a Chapter - Bankrupt and we entered into a modification agreement with Beneficial on - -. The terms of this agreement was : Current payment - to go down to -, current interest rate was - to go down to -, term was life of t... |
HSBC Mortgage credit decision / underwriting April 24, 2015 - RE : --PRIVILEGED AND CONFIDENTIAL INFORMATIONCOMPLAINT : - : - - - - New Jersey -Dear Consumer Financial Protection Bureau:- I did not sign the application, and this is very clear from the paperwork HSBC has provided. The original application does not have my signature, and whoever singed - is forgery which is illegal. -. Again, I diligently sought legal representation and MOST IMPORTANT, I rescinded the deal within 3 day window. -. I never received the truth in lending disclosure. I have invested and spent FAR TOO MUCH TIME AND MONEY INTO THIS ENCUMBRANCE and... |
HSBC Mortgage loan servicing, payments, escrow account April 17, 2015 - I experienced an unexpected temporary financial hardship and I contacted Beneficial to explore options. The representative that I spoke with suggested that she could offer a deferred payment plan. Notably, I fulfilled the requirements of the payment plan. However, upon a recent review of my credit report, I noticed that Beneficial reported my account delinquent during the deferred payment plan period ( - and - ). Though I appreciate the deferred payment plan, I am upset that Beneficial failed to disclose that they would report the account delinquent to the credit reporting agencies durin... |
HSBC Mortgage loan modification,collection,foreclosure April 9, 2015 - On -/-/12, I open a file for my client who has a mortgage with HSBC. My client became delinquent with her mortgage when she had a reduction in her income. I have submitted - packages requesting possible loan modification and have been denied all - times. The denials have been for insufficient income or she makes to much money. I was advised by a customer service representative that if client was denied they can request that payments be deferred once a year. My client was also denied for that option as well. Client is not denying she ca n't afford her mortgage but need help reinstat... |
HSBC Mortgage settlement process and costs April 7, 2015 - Have tried to retrieve a final insurance inspection report from HSBC insurance area and they refuse to give me a copy or forward a copy to the insurer. To prove to the insurance company that the first claim was completed 100 % - I ca n't get the new claim processed. It seems like it relates to my property and I should have access to this document. Please help - ... |
HSBC Mortgage loan servicing, payments, escrow account April 7, 2015 - We are trying to Refinace our mortgage with our bank in our home town, and Beneficial ( my current mortgage holder ) will not produce the proper papers to show payment history. We have been fighting with this company for years and requested this paper work on -/-/-. Had a conference call with them yesterday - - were they told us and the - - - bank collector that in -/-/-, we missed - payments! There is only - months in a year ... But then they said for - months all of our payments were past - days late! Th n it was said again by beneficial that it was becau... |
HSBC Mortgage loan servicing, payments, escrow account April 1, 2015 - We originally took out a mortgage loan in -. After financial problems forced us into bankruptcy, we went through several lenders. Our mortgage was split in - between - - and Beneficial. We recently settled with HSBC / Beneficial for a loan modification after 5 years in foreclosure status. When our bankruptcy was dismissed in -, the monthly loan amounts went to - per month from -. We continually received monthly statements from the company, with that monthly amount, until it was reduced to $890.00 in - ( statements attached ). The amount we owed on the principal was ou... |
HSBC Mortgage loan servicing, payments, escrow account March 31, 2015 - In -/-/- my mortgage co. sent an escrow analysis that forecasted my property taxes would be paid in full -. I called them, they requested a copy of my property tax bill, which I sent. They sent another analysis that still planned to pay my taxes in full -, thus not correcting the mistake. Tired of dealing with them, I just let it go, paid the additional $120.00 monthly, and figured it would be resolved with this year 's escrow analysis. Fast forward to -/-/-, I received a new analysis that plans to pay my property taxes in full - times, with refund check attached $850.00... |