Review and analysis of over 36 Conventional Fixed Mortgage complaints against HSBC North America Holdings Inc.
HSBC North America Holdings Inc. consumers have reported over 36 official complaints related to Conventional fixed mortgage. Out of the 36 consumer complaints against HSBC North America Holdings Inc., 39% were disputed by the consumer (i.e. the consumer was not happy with how HSBC North America Holdings Inc. responded to their complaint) and 89% were processed in a timely manner. 0% of consumer complaints against HSBC North America Holdings Inc. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.
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HSBC North America Holdings Inc. Mortgage loan modification,collection,foreclosure December 1, 2016 - We have 7.25 % rate mortgage with HFC ( household Finance Beneficial ) They are and have been uncooperative in all aspects of business. They claim to have no fax, or email ... absurdly. When trying to refi, they strung us out as long as possible we waited a month for a confusing mortgage statement, consisting of - pages ... ( via USPS ) the rates rose, and that hurt us, and also the new lenders could n't make sense of what was sent. " never saw anything like that before ''. It took weeks just to affirm our request, as the agents for HFC somehow did not understand what we wanted. about a do... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account June 3, 2016 - Bad customer service by HSBC, principal payments made but were not applied to principal correctly. On the phone for hours trying to resolve issues and get pay off for loan... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account June 1, 2016 - Beneficial continues to deny the assistance requested with our account and to compensate us for our time and the lack of customer service and the ongoing damage it has done to us. The following are the issues that have not been resolved : On -/-/- Beneficial/HSBC erroneously sold our home mortgage to the - - - Master Participation Trust by labeling our account as in default, and/or a distressed loan in trouble. Not only were we not behind in payments we were ahead. As soon as - began servicing our loan we contacted them to let them know that false information had been provided... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account May 17, 2016 - In a letter dated - -, -, - - -, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to - - -, -, Chapter - Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. In a letter dated - -, - from - - - by - - of HSBC they stated to the NYS - : " An audit has been completed. '' " We have completed r... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account May 17, 2016 - HSBC has failed to provide an IRS Form - to me for 2014. I can not file my taxes without it and the IRS has contacted me about being late. I have contacted HSBC numerous times without successful outcomes.... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account May 17, 2016 - Hello, The incident happens, when I make a Payment to HSBC Mortgage services the Monthly payment of $ $2000.00. And during the payment I made by internet 1 ) of -, 2 ) -, 3 ) - before the mature date of which is on the - of the month thereafter when I try to make a payment of - into make other payment in the system appears in their computer is on maintenances but during the payments they set - charge of - dollars of which I consider no justifications because is not my problem they having error in their system.... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account May 12, 2016 - HSBC Beneficial is the owner of my mortgage. I am currently not up to date with my monthly payments. For the last three months I have paid per the agreement made with them to catch the payments up, yet every month I am being charged $25.00. for what they describe as a `` drive by '' to see if I am still occupying the property. `` DRIVE BY '' words used by - -! they know I am still in the home and has not abandoned it from conversations I have had with them! Why are they allowed to get away with this, this is wrong! They have been profiled as a predatory lender. My interest rate is 7.74... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account May 12, 2016 - HSBC Mortgage Service Center is my current lender. I filed Bankruptcy in -/-/- and discharged in - -. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as - -. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with HSBC as well as -, - and - to no avail. I have attempted - times with ... |
HSBC North America Holdings Inc. Mortgage credit decision / underwriting May 11, 2016 - I would like to know if I can sue HFC for their violations against me. My spouse passed away three years ago, after he passed away I received a life insurance settlement to pay off - of my mortgage. While waiting, my spouses pension went through and I paid all the back mortgages up to date. At that time I was two months ahead in mortgage. After HFC applied the life insurance I was told I was I was two months behind. I believe HFC owes me two months mortgage. I was paying $1600.00 a month. I would like for them to pay me the $3200.00 they owe me. I am attaching a copy from the Department... |
HSBC North America Holdings Inc. Mortgage loan modification,collection,foreclosure May 6, 2016 - On - -, -, I purchased my home located at - - - -, -, Georgia - for $160000.00. The loan was evidenced by a Security Deed, '' naming - as the " Lender '' and - as the " grantee, '' or beneficiary, of record acting solely as nominee for same. The Loan was one of those Adjustable Rate Mortgages ( ARM ). I did n't want this kind of loan I had good credit but was told at the time that I could be put in a fixed loan at a later time. On or about - -, - my loan account was transferred to HSBC. My monthly note kept getting higher and higher until I was havin... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account May 3, 2016 - HSBC/Beneficial does not know how to do basic accounting. The error occurred in - - when they applied payments received for the - mortgage payment to - -. This is evidenced by their letter dated - -, - which stated that we could lose our home because it was 30 days in default. They sent a total of - copies of this letter : - that were sent certified mail ( 1 for my husband 1 for myself ) to the same address and - that were sent my regular mail. Apparently they do n't know how to read their own records. At that time they knew the loan had been sold to - as th... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account May 3, 2016 - Through the HSBC Bankruptcy Department I have been making mortgage payments since -. I received a letter dated - -, - from HSBC that the Life Insurance coverage for my mortgage has been terminated due to Past Due Insurance premium remittance. The optional life insurance premium is a part of my mortgage payment that I make monthly so how is this premium past due? I have been contacting them since - - to get some sort of resolve through the HFC Research department. They have sent to me useless and outdated information in the form of a history of my account, and in no way addres... |
HSBC North America Holdings Inc. Mortgage credit decision / underwriting May 2, 2016 - My husband and I are trying to refinance our mortgage with - - - -. Beneficial who now holds the mortgage is refusing to send - - a 12 month payment history even though I 've never missed a payment. I think they are doing this on purpose so they can keep collecting the 8.2 % interest I am currently paying them. For 6 weeks they kept telling us they were doing it, then they said because we filed bankruptcy ( of which they were not a part of ) 5 years ago that they ca n't send the request of 12 month payment history to -. This is not the first time I have had problems with B... |
HSBC North America Holdings Inc. Mortgage loan modification,collection,foreclosure May 2, 2016 - I continue to be denied mortgage assistance based on affordability as a result of false income inputs calculated and exploited by HSBC ( - - ). The purpose of this complaint is to obtain the raw data used to calculate the gross monthly income, net monthly income, and total expenses for me that was used to deny me for mortgage assistance multiple times now. I provided HSBC ( - - ) with every document that was requested to include a letter of explanation for my income. Nevertheless, HSBC ( - ) has continued to use erroneous income figures to deny me for mortgage assistance. I ha... |
HSBC North America Holdings Inc. Mortgage loan modification,collection,foreclosure May 1, 2016 - I would like to file a FTC claim of Fraud against Mortgsge Co, and the unknown Note Holder ( s ). According to an Independent Forensic Loan Audit, my mortgage violated several FTC and other Laws, Acts, and Regulations. Mortgage payments were made to several different Mortgage Cos. and Mortgage Service Cos. However, A different, recently Assigned Trust/Company has been granted a " Summary Judgment for Foreclosure & Sheriff Sale '' .of my home. I had requested a " Validation by contracts '' of the alleged debt several times. One request was by fax. The request was to provide proof of the debt or... |
HSBC North America Holdings Inc. Mortgage credit decision / underwriting April 15, 2016 - My mortgage servicer HSBC sent me a letter stating that they sent my encrypted information to a third party in error. Since than I have had some of my accounts stolen and I have been forced to get on a credit monitoring program. I filed a complained with their office of the president. I am told that the case is closed and that they called me once. I am continuously getting calls asking me if I took out several loans. This is a nightmare. Please help me. ... |
HSBC North America Holdings Inc. Mortgage loan modification,collection,foreclosure April 15, 2016 - I requested a copy of my mortgage note from HSBC on - -, - and I have not received the documents yet it has been nearly 2months now. HSBC acquired the mortgage -/-/- and I have paid on time for 12 years. I am seeking assistance from HomeSafe Georgia because I lost my job 10 months ago and due to my age etc. I have yet to get an interview after working 17 years as a contractor to the Centers for Disease Control and Prevention. I need a copy of the note that is required to complete my application. HSBC has not been of any assistance and is using stall tactics to get my home so ... |
HSBC North America Holdings Inc. Mortgage credit decision / underwriting April 13, 2016 - I started a loan modification process with HSBC back I -/-/-, due to a loss of income with my husbands passing. I received a phone call, saying I was approved, and I needed to make the first two initial payments over the phone that day. I did I paid $1900.00. for -/-/- and -/-/-. Since then I receive calls no paperwork just calls every to to three days telling me they are still working on it. I did make my -/-/- full payment even though HSBC advised me not to. I decided to refinance simply because the rate is lower and I was tired of waiting. My financing is all approved ... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account April 7, 2016 - MY MORTGAGE COMPANY HAS BEEN REPORTING MY ACCOUNT TO THE CREDIT BUREAU - FOR MANY YEARS. BETWEEN THE DATES OF - - AND - - OF THIS YEAR, THE ACCOUNT DISAPPEARED FROM THE - REPORT. THIS ERROR IN REMOVAL OF MY ACCOUNT HAS CAUSED MY SCORE TO DROP DRASTICALLY. I CONTACTED THEM AND WAS TOLD THAT IT WAS BEING REPORTED EVERY MONTH. I CONTACTED THE CREDIT BUREAU AND THEY STATE THAT THE ACCOUNT DOES NOT E-IST. I HAVE WRITTEN DISPUTE LETTERS TO - AND THE ACCOUNT IS STILL NOT APPEARING ON MY REPORT. IT IS AN ABSOLUTE ERROR! THIS IS AFFECTING MY CREDIT HEALTH. THE CREDIT BUREAU IS STAT... |
HSBC North America Holdings Inc. Mortgage loan modification,collection,foreclosure April 7, 2016 - I have had my loan with HSBC mortgage services for over 12 years and I was laid off from my job on -/-/-. I have since fallen almost 2 months behind with my mortgage and have requested a modification from them. However, they have denied me, claiming that my home has no value. I was assigned to a mortgage service specialist ( - - ) whom I expressed my concern to about my mortgage being increased and also that I had requested modification and wanted to know what the status was. She explained the reason for the increase stating that my escrow had a shortage of $2500.00 and that m... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account April 7, 2016 - I have been paying my mortgage for 14 years and have never been late, until - when I was diagnosed with - - and under went treatment. I explained my situation to my mortgage ( HSBC ) company and requested a loan modification, but was denied. I reapplied for a loan modification in - but was denied again due late payments. - - HSBC sent me a notice regarding an increase in my escroll account and that I could pay the difference of my to prevent an increase in my monthly payment, which I did. In - of - my monthly payments increased. It took six month and several hours on th... |
HSBC North America Holdings Inc. Mortgage settlement process and costs April 3, 2016 - Re : Claim for repayment of unwarranted expenses which occurred during my mortgage refinance - **Players and Background : ** HSBC, - - - ( - ), and a certain party dba 'Mortgage Family, ' provided a mortgage refinance for me, paying off and consolidating my - residential mortgages ( - of the mortgages was with HSBC and the other with -. ) In the process, - disturbing issues arose out of fraud, negligence, or human error, which caused me avoidable expense, wasted time, and aggravation. I point out - issues below. **Issue I : Payoff Refused by - Under False Pr... |
HSBC North America Holdings Inc. Mortgage loan modification,collection,foreclosure March 26, 2016 - I contacted my mortgage company HSBC -/-/- to ask for assistance with my home loan because I have been unemployed since - - - and my unemployment ended - -. According to HSBC website I should have been offered assistance. When Mortgage Payment Difficulties Arise If you are an HSBC Mortgage Services ( former Household Mortgage Services ) customer, please visit www.hsbcmortgageservices.com. Not sure? Click here for more information. Let us help you find a solution Remember that relief is just a phone call away.Life is not always easy. We understand that, and we 're here to ... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account March 25, 2016 - Beneficial continues to deny responsibility for the mistakes they made with our home loan from -/-/- to -. Effective - -, - they sold our loan to - - -. They continued to erroneously try to collect " past due '' payments from us into - - - in effect trying to extort money from us when not only were we up to date but paid in full until -/-/-. They told - that we were behind so - started charging late fees and other fees. - -, -, - - -, Vice-President Customer Disputes and - -, manager Customer Disputes, sent a letter to the NYS... |
HSBC North America Holdings Inc. Mortgage application, originator, mortgage broker March 23, 2016 - Working on HSBC re-fin. Ask us to buy additional - insurance to cover further improvements and betterments that DO NOT even exist. First, according to - rule, - does not require - insurance when master EOI is covered all. Our master EOI confirmed the developer had the CC & Rs written as such so that the - requirement would be waived by lenders when first selling the units. Master EOI confirmed upgrades, betterments and improvements provided by the developer to the original unit owner are covered by the - per CC & Rs. As I noted below, developer had CC & Rs drafted as such to... |
HSBC North America Holdings Inc. Mortgage loan modification,collection,foreclosure March 23, 2016 - I have been trying to work with my lender, HFC for almost a year to get a modification. The reason I am filing a complaint is they give me contradictory updates when I call them to check the status of my mod. I last applied -/-/-, and was told that my file had the necessary bank statements. -/-/- I was told that my statement was missing a page. I asked to speak to a supervisor and they told me one would call me back. It has been 7 business days and I never received a call. This is just the latest action they have taken to keep from reviewing my file for a modification. They continuou... |
HSBC North America Holdings Inc. Mortgage settlement process and costs March 14, 2016 - got loan from HSBC OR bENEFIAL FINANCE FOR MY HOME - - -, LATER I HAD TO FILE BANKURUPSY BUT HOME NOT INCLUDED THE DROPPED MY PAYMENT TO - A MONTH PAY OFF SAYS - PLUS ADDED FEE FOR - I HAVE NEVER SIGNED ANY PAPERS WITH THIS COMPANYM LIVED HERE SINCE - STILL HERE AND STILL OWE THIS MUCH MONEY? I HAVE NO PROBLEM MAKEING MY PAYMENTS TO - WHICH HAS THE LOAN NOW, JUST DONT UNDERSTAND - E-TRA NO MODAFCATION PAPERS WERE SIGNED EITHER I WANT TO PUT MY CARETAKER ON THE REFINANCE BUT THEY HAVE HIM ON THE LOAN BUT NO DEED IIAM THE ONLY - ON THE DEED PLEASE THIS HSBC OR BENEF... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account March 11, 2016 - - -, -, - - -, Vice-President Customer Disputes and - - ( that same person I spoke with on -/-/- ), manager Customer Disputes, sent a letter to the NYS Attorney General stating that, " We have completed reconciliations on both accounts and can confirm that the account status on each account is accurate. '' AND " Account - ( The account in question ) is current. The next payment is due on - -, -, in the amount of $1000.00. '' Our - - payment was credited to our account on -/-/-. On -/-/- after receiving a letter from Benefi... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account March 6, 2016 - HSBC contacted me after the mortgage was a year behind there website never works and they will not send any statements I have paid on this house for 16 years and now they have turned the case over to an attorney ... |
HSBC North America Holdings Inc. Mortgage application, originator, mortgage broker March 1, 2016 - My complaint is concerning my mortgage info being removed from our, my husband and mine, credit bureau report. I recognized the problem when I viewed our credit reports on - - 2016. I was told by, - of - ( Dispute dept. - ), that our mortgage info had been removed by HFC, Member HSBC -, -. - -, -, FL -, phone # -. - told me that she knew that HFC removed the info, because - database showed an exclusion code from HFC, and that sometimes businesses removed info for maintenance or optics reasons. I then called - on - - 2016 and spoke to - a su... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account February 28, 2016 - Nonrenewal, Other, Premium Notice/Billing, Unsatisfactory Settlement/Offer Other Reason - : Accounting Breach Implied Covenant of Good faith *Details of the Complaint : Starting on - - - the - day of -, the Insurance company has delayed the Mortgage payments to the extent of causing extra fees and deferred interest among other charges to make the pay-off a larger amount than when the - began.After the insurance coverage limit was reached at $ - on - the next - statements indicated $00.00 owed for those months. Then in - - a statement came saying to start m... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account February 26, 2016 - we pay our taxes separate from our taxes my mortgage company paid them by mistake when i called them told them the mistake and said if they send a request the tax office will refund them they refuse they said my tax office sent a letter stating we were diligent which is not true the tax office said my mortgage company by law would need a tax code in order for them to pay my taxes this is fraud on there at first when we called they said they would request the refund now they say want us to send them a check we do not trust them someone made a terrible mistake and they want us to pay to cover it... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account February 26, 2016 - Beneficial can not read or understand ENGLISH! I am making a complaint against them for a mistake they made in - -. That 's - -. DO YOU UNDERSTAND THAT THE YEAR IN QUESTION IS -?? NOT NOT NOT -. Beneficial DID own this mortgage loan in - -. They have stolen our money. Here is my complaint and possibly you can locate someone at Beneficial that can actually read and understand English. And make sure they understand that the theft by Beneficial happened in - - NOT -. They did hold the mortgage in - -. BENEFICIAL IS THE RESPONSIBLE PARTY!!! Beneficial applie... |
HSBC North America Holdings Inc. Mortgage loan modification,collection,foreclosure February 25, 2016 - I few days ago a person from HSBC came to my home and I already star receiving letters of foreclose ans short-sale. HSBC is my mortgage company for over 10 years, since I acquired the loan I was never late before, but in - my financial situation change due to my Mother - done, I had to be out from work to take care her, my bills start accumulating since I was not getting pay the same. I got behind on the payments so I requested a loan modification to help me but the denied my application. I am the only person that works in my household. I appealed the decision but it was denied again wi... |
HSBC North America Holdings Inc. Mortgage loan servicing, payments, escrow account February 17, 2016 - 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 du... |
HSBC North America Holdings Inc. Mortgage loan modification,collection,foreclosure February 11, 2016 - Loan denied for modification without defining exactly why it was denied. ... |