This business is not BBB accredited.

HSBC Finance Corp.

Additional Locations

Phone: (800) 547-8776 View Additional Phone Numbers 961 N Weigel Ave, Elmhurst, IL 60126 View Additional Email Addresses http://www.HFC.com View Additional Web Addresses


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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for HSBC Finance Corp. include:

  • Failure to respond to 39 complaint(s) filed against business
  • 11 complaint(s) filed against business that were not resolved
  • Government action(s) against the business

Factors that raised the rating for HSBC Finance Corp. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size


Customer Complaints Summary Read complaint details

630 complaints closed with BBB in last 3 years | 144 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 159
Billing/Collection Issues 79
Delivery Issues 248
Guarantee/Warranty Issues 1
Problems with Product/Service 143
Total Closed Complaints 630

Additional Complaint Information

Effective March 15, 2010, all HSBC Auto Loan complaints will be handled by the Dallas BBB as a result of the recent agreement between HSBC Finance Corporation and Santander Consumer USA, Inc, which is located in the Dallas service area.

The Chicago BBB will continue to process all complaints (other than the aforementioned) against HSBC Finance Corporation and their affiliated dba companies.

Effective May 1, 2012, Capital One acquired HSBC's domestic credit card portfolio. This includes accounts from Orchard Bank, Household Bank, Direct Merchants and several other retail brands.

For more information or if you have questions, visit the Capital One web site at www.capitalone.com

Customer issues concerning HSBC Credit Card complaints will go to Capital One, which is processed by the Better Business Bureau in Richmond, VA where the company's operations are located.


This report reflects national complaint activity.

Customer Reviews Summary Read customer reviews

8 Customer Reviews on HSBC Finance Corp.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 2
Negative Experience 6
Total Customer Reviews 8

Additional Information

BBB file opened: August 01, 1928 Business started: 01/01/1878 Business started locally: 01/01/1878
Business Management
Brendan Mcdonagh, Chief Executive Officer Mr. Shehad Mohammed, AVP/Customer Resolution Department Mr. Carlo Airdo, V.P., Consumer Affairs HSBC Retail Services Disputes Address Ms. Katherine Frieri Dam Hirsch, Manager Traci Holland Jada Howard Mr. Marty Milella, VP Customer Service and Sales Ms. Theresa Nicchia, Dept Manager Ms. Sandra X. Vasquez, Project Manager
Contact Information
Principal: Brendan Mcdonagh, Chief Executive Officer
Principal: Mr. Shehad Mohammed, AVP/Customer Resolution Department
Business Category

Financial Services Furniture - Retail General Merchandise - Retail Credit Card Processing Service Banks Banking Services Credit Cards & Plans Investment Advisory Service Investment Securities Loans Consumer Finance & Loan Companies Mortgage Brokers Stock & Bond Brokers Credit Services Investment Advice (NAICS: 523930)

Alternate Business Names
Account Central American Dreamcard Beneficial Finance Corporation Beneficial Mortgage Bon-ton/Elder-Beerman Decision One Mortgage Corp. H S B C Securities (usa) Inc Household Automotive Finance Corporation Household Bank FSB Household Bank VISA Household Credit Services, Inc. Household Finance Corporation Household Financial Services Household Life Insurance Company Household Mortgage Services Household Recovery Services HSBC Bank Nevada HSBC Card Services HSBC Consumer Lending HSBC Finance Corp HSBC Insurance HSBC Mortgage Services HSBC North America Holdings HSBC Retail Services HSBC Taxpayer Financial Services Metris-Direct Merchants Bank Orchard Bank Polaris Star Card Reward Zone Program
Additional Information

January 2008 - The BBB would like to inform consumers that if they have a complaint regarding Bon Ton credit cards or any other billing related issues, these complaints should be filed at the Chicago BBB as HSBC is the third party credit card processor for the company. Any other complaints against Bon Ton that do not involve credit cards should be filed at the BBB of Metro Washington DC and Eastern Pennsylvania in Harrisburg. To contact the Harrisburg BBB, please go to www.mybbb.org

September 2007 - The BBB would like to inform consumers that should they receive calls regarding correspondence from HSBC Nevada N.A., they should get in touch with HSBC directly.
Per HSBC, privacy letters are being sent to consumers who have accounts with Carson's Bulk (Carson's). The letters are legitimate and should be of no alarm.

Effective March 15, 2010, all HSBC Auto Loan complaints will be handled by the Dallas BBB as a result of the recent agreement between HSBC Finance Corporation and Santander Consumer USA, Inc, which is located in the Dallas service area.

The Chicago BBB will continue to process all complaints (other than the aforementioned) against HSBC Finance Corporation and their affiliated dba companies.

Products & Services

This company offers consumer loans, credit cards and auto financing.


Customer Review Rating plus BBB Rating Summary

HSBC Finance Corp. has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of F.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    1301 Tower Drive

    Schaumburg, IL 60173

  • THIS LOCATION IS NOT BBB ACCREDITED

    200 Somerset Corporate Blvd

    Bridgewater, NJ 08807 (908) 203-4344

  • THIS LOCATION IS NOT BBB ACCREDITED

    2700 Sanders Road

    Prospect Heights, IL 60070

  • THIS LOCATION IS NOT BBB ACCREDITED

    30 S Wacker Dr Ste 1006

    Chicago, IL 60606

  • THIS LOCATION IS NOT BBB ACCREDITED

    3023 HSBC Way

    Fort Mill, SC 29707 (716) 651-6567

  • THIS LOCATION IS NOT BBB ACCREDITED

    5133 S. Pulaski

    Chicago, IL 60632

  • THIS LOCATION IS NOT BBB ACCREDITED

    636 Grand Regency Blvd

    Brandon, FL 33510

  • THIS LOCATION IS NOT BBB ACCREDITED

    961 N Weigel Ave

    Elmhurst, IL 60126

  • THIS LOCATION IS NOT BBB ACCREDITED

    Churchmans Corporate Center
    90 Christiana Road

    New Castle, DE 19720 (800) 211-9974

  • THIS LOCATION IS NOT BBB ACCREDITED

    Dept. 7680

    Carol Stream, IL 60116

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 17904

    San Diego, CA 92177 80041818882238

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 1878

    Carol Stream, IL 60128

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 80026

    Salinas, CA 93912 80075365292608

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 80041

    Salinas, CA 93912

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 5244

    Carol Stream, IL 60197

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 5251

    Carol Stream, IL 60197

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

8/26/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been working with HSBC for almost two years to get a fraud resolved, they have added massive fees and increased my interest rate. Payments are not being credit properly. I have sent them verification of identity, called everyone under the sun and still the problem exists. I made a $1000 payment this week and it was not applied after a week, and they bumped the interest rate up and sent me a letter they were closing the account. I have been given different account numbers. At one time I was send information that someone wanted to change my address, then I was told that my card was put on hold while I traveled to Cuba. Americans could not even travel to Cuba at that time> Also, my account number was changed, so this made my payments not being applied properly.

Desired Settlement: I want the fees removed from this account since 2013. I want the account closed and I will pay the balance after the fees are removed. I also want the $1000 applied properly.

8/23/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My 1st complaint submitted on 6/30/2016 against HSBC Finance Corp, complaint was assigned ID ********* For not getting promotion of $350 by deposit $10,000 for advance checking, investment account with new fund of $25,000 ( bonus should be around $200 or $300), and for $50 credit card if used $2000 in 90 days. On July 22nd, this complaint has been closed and will appear in the company's BBB Business Review as: “Answered- BBB has not heard back from the consumer as to their satisfaction with the business's response.” However, I received the respond from HSBC on July 25th, with a letter and two pages said the promotion was for new account owner. However, I have a different offer which was for existing advance customer - i still kept the flyer, please have someone give me an email or fax, I will sent it to you. I asked the VP ************ at HSBC bank at the Palo Alto branch she said I am qualify for that promotion. but *************** helped me opened the account when I got all my money and documents ready. there were not only the promotion for a checking account, but for an investment account with new fund of $25,000 ( bonus should be around $200 or $300), and for $50 credit card if used $2000 in 90 days. if you need reference for how to code the promotion, please check my family's ******* ****** account, she did the same activites just like mine and earned all the bonuses, $350 for checking, $300 for investment, and $50 for the credit card. Pls call me ************ for a copy of the promotion paper. thanks

Desired Settlement: credit bonuses to my accounts.

8/22/2016 Problems with Product/Service
8/11/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I setup automatic payment with my service person ***** ***** and my payment was to be taken out on June 8, 2016. The payment was not taken out of my account as of today June 16, 2016 so I called Beneficial to question why the funds had not been taken from my account. I spoke with a representative who advised me that there was an attempt to obtain the money from my account but it was returned insufficient funds from my bank. I advised the representative that the information was wrong and we made a conference call to my bank. My bank confirmed that there is and has been more than enough funds to cover the draft and that no attempt was made by Beneficial to obtain the money. The bank verified the account number with Beneficial and it was the correct number. I am not able to make a payment online, Beneficial refuses to withdraw the money from my account, and I was informed that there is no local location where I can make a payment. I am disabled and it is a burden for me to get certified bank checks to mail to Beneficial. I have been signed up for automatic payments for several years now and it is the best method of payment for me.

Desired Settlement: I would like Beneficial to reinstate my automatic payments and withdraw the payment the June payment that is now going to be late. I do not want to be charged a late payment fee because none of this is my fault.

8/10/2016 Problems with Product/Service
8/6/2016 Problems with Product/Service | Complaint Details Unavailable
8/6/2016 Billing/Collection Issues
8/4/2016 Billing/Collection Issues
8/3/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been with Beneficial since 2007. I have refinanced a few time and received a loan modification back in 2007. I have asked for them to refinance my home because the interest rates sits at 8.87 percent. When I make my payments which are 1600.00 monthly, 1442.00 is the mortgage payment but the interest is 1300.00 while the actual principal is only about 85.00 per month. They are hitting us with unreasonable interest rates. I would like my interest rate reduced so I can afford to make the payments. The other charges are fair and are for property taxes paid. They also charge 50.00 late fees per month if you are 11 days past due which is also unfair. If they modify and refinance our interest rate our loan will become more affordable. Their only options are to defer payments or to foreclose which is also unfair practice. They also frequently change Mortgage Servicing Specialists. Each month I get a letter stating I have a new specialist. Because of not so good credit and us owing 189,000.00 on the house with it only being worth 160,000.00 we do not have the option to sell it. Would like to see them at least let us refinance at a lower interest rate. I feel like they are just stealing our money with their getting so much in interest. My account number is *********** please help.

Desired Settlement: Refinance to a lower interest rate.

Business Response: Response mailed to customer* *** *******

8/3/2016 Billing/Collection Issues
8/3/2016 Billing/Collection Issues
7/29/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On July 5, 2016, my company transferred 50,000 US dollars from HSBC US branch to HSBC HK branch. Both HSBC US and HK branch accounts are belong to myself. The wire transfer number is ********** On July 11, 2016, HSBC US branch suddenly noticed us in an email that our wire transfer has been canceled by HSBC HK branch and already returned the money back to HSBC US branch several days ago. However, as of today, which is July 13, 2016, HSBC US branch is still holding our 50,000 US dollars and does not give those money back to my company account. My company is a business, by failed transfer my money to HK, it made a big trouble for my company. And since HSBC is still holding my 50,000 US dollars without any reason, it already make a huge loss for my business operation! We called both HSBC US and HK branch everyday since we received email, and they always can not give a clear answer that why they have not give my money back! My company is still waiting for 50,000 US dollars return back to our bank account.

Desired Settlement: Since both HSBC US and HK branch accounts are belong to my company and myself, it should not have any reason to keep holding my money anymore. My company require HSBC returns our 50,000 US dollars in 24 hours!

Business Response: Response sent to client 7/21.  Please allow 3-5 business days to receive.

7/28/2016 Billing/Collection Issues | Complaint Details Unavailable
7/26/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I own a house at 48 evergreen terrace in uniontown pa 15401...I listed the house for sale and have a buyer in place. When the buyer's attny performed the title search, they found a Beneficial Financial Mortgage that had not been satisfied from back in 1999. (acct no **************. HSBC had bought out Beneficial years ago. My attorney after securing the previous owners of my house signatures and POA to act for them in speaking with the bank for privacy issues. We found that this mortgage was in fact paid or charged off. The bank was to send the satisfaction to our county recorder of deeds office so that I can sell the house. It has been months and the bank has not done so. My attny has called countless times to no avail. I need assistance to get HSBC to do the right thing and get this accomplished once and for all....Please help!!!!!

Desired Settlement: HSBC to satisfy paid mortgage and sent satisfaction piece to Fayette county recorder of deeds as promised!

7/22/2016 Advertising/Sales Issues
7/16/2016 Advertising/Sales Issues
7/16/2016 Problems with Product/Service
7/11/2016 Billing/Collection Issues
7/9/2016 Problems with Product/Service
7/9/2016 Problems with Product/Service
7/4/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: First I want to say the service center I'm complaining about is Hsbc/beneficial homeowner service corporation. Located in *******,florida. Im the admistrator of my recently passed mother ***** ******** estate and am trying to sell my home. There is a mortgage lien recorded at at my local clerks office(********** County) NY for mortgage in amount of $18500.00 (that beneficial states is PAID) and my real estate attorney ******,doyle,spiess and florsch who for 2 months have been trying to get lien release letter for that particular amount. It shouldn't have taken that long. The county clerk received a letter from beneficial for the wrong mortgage. Now my attorney and I are requesting that the correct mortgage letter be sent and to no avale are getting the run around so to speak. I have faxed all info that they requested from me in order to release info to me wich was my administration letter, ***** death certificate and copy of my drivers license on three separate occasions. Still they have not received it even though I have confirmation that they did. So they cant release any info to me. Only my attorney is cleared to speak with them. My concern is that this is taking way to long. It has caused me a great injustice for me. My buyer may back out of the sale because of the delay in beneficial sending the correct letter. They're business practices are horrible and have know sense of REAL customer service. All I want is the Lien release letter to be sent to either me or my attorney and the ********** county clerks office for the mortgage in the amount of $18500.00 in a reasonable amount of time. Wich is not happening we are still getting no where with beneficial.

Desired Settlement: All I want is the Lien release letter to be sent to either me or my attorney And the ********** county clerks office for the mortgage in the amount of $18500.00 in a reasonable amount of time.

7/1/2016 Problems with Product/Service
6/30/2016 Billing/Collection Issues
6/29/2016 Problems with Product/Service
6/29/2016 Problems with Product/Service
6/29/2016 Billing/Collection Issues
6/28/2016 Problems with Product/Service
6/27/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Last year my husband lost his job in July 2015. Since then I have tried to work with this company. I tried to get a hardship through them and they took our gross pay and not our net which is a difference of over $3000. How can you say I have the extra cash when I never see that $3000. I have ask them to lower our interest rate which is 8.03% which is very high. They said they can't do that. I know that I am behind in my payments but not enough for them to call me every day at least 8-10 times. And I receive a letter from them every day. I have made arrangements with them to take my payment directly out of my checking each month plus $100 more than my payment. That is more than my paycheck. They never stop. I only owe 40 thousand on my home and have been paying them for over 10 years. They have not sent me a foreclosure notice yet , but I bet it is coming. What more do they want from me. This is my family home I purchased it from my parents. I have lived in this house all my life. Make them stop. I am doing my best and they are receiving their payments.

Desired Settlement: work with me to get a lower interest rate and a lower payment. My house payment is one whole paycheck for me. I only get paid twice a month. and to stop calling me and sending me letters on a daily basis. I have set up a payment plan with you so stop.

6/26/2016 Problems with Product/Service
6/23/2016 Problems with Product/Service
6/23/2016 Billing/Collection Issues
6/18/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a loa with HSBC I received an Endorsement from ********* Life Insurance *** ******** Ave Detroit, Mi 48226 Certificate#********** I have phoned 2 phone numbers that are on the Endoresment 1 8** *** **** and 1 800 *** **** *either number is in service, I need to know what is this letter to me stating, I am currently going through Chemo for Lung Cancer and want to get this cleared up so my children do not have to handle this at a later point.

Desired Settlement: Clarification on the insurance endorsement I received.

6/11/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I opened this account time ago, and it went collection for the amount 633.45. i have been paid this account long time time ago. I don't have any paper work. now recently i received a collection letter from different company ***** **** ****** ***. This account is more then 10 years old. I don't even remember it.

Desired Settlement: PLEASE REMOVED THIS FROM MY CREDIT.

Business Response: Response sent to client 6/9/16.  Please allow 3-5 business days to receive.

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.

Sincerely,

***** *****

6/6/2016 Billing/Collection Issues
6/4/2016 Problems with Product/Service
6/1/2016 Billing/Collection Issues
5/27/2016 Problems with Product/Service
5/26/2016 Problems with Product/Service
5/23/2016 Problems with Product/Service
5/19/2016 Billing/Collection Issues
5/17/2016 Problems with Product/Service | Complaint Details Unavailable
5/12/2016 Billing/Collection Issues
5/7/2016 Problems with Product/Service
5/7/2016 Billing/Collection Issues
5/7/2016 Problems with Product/Service
4/30/2016 Problems with Product/Service
4/27/2016 Billing/Collection Issues
4/26/2016 Problems with Product/Service
4/24/2016 Problems with Product/Service
4/17/2016 Problems with Product/Service
4/16/2016 Problems with Product/Service
4/14/2016 Problems with Product/Service
4/10/2016 Billing/Collection Issues
4/9/2016 Problems with Product/Service
4/6/2016 Billing/Collection Issues
4/5/2016 Billing/Collection Issues
4/5/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: There has been a credit of $363.71 on my credit card since November 2015. I have been calling and asking HSBC to send me the refund check since last year. Because of simple INCOMPETENCE, they still have not sent me a refund check. It is now March 2016. I am sick and tired of calling HSBC. I want them to return my money back.

Desired Settlement: Send me my refund money NOW- not in 1 month, 3 months. NOW.

4/3/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Refinanced my home with different bank, ********** quoted payoff.( Sept /Oct 2015) New bank sent in payoff (Oct 2015). I had understanding loan was paid off. Months later ********** notified me payoff was short $666.17, On January 11th 2016 ********** called about payment, I did not agree with shortage but agreed to pay $666.17 on 1/11/2016, Made arrangements with new bank to send payment to **********. But called ********** on 1/12/16 and was told “someone miss spoke and offer was of the table. Now I received notice that I own them $3900.00. I have called ********** daily to fix problem and No one can help with this. My new bank has also called about four times. With no results. I want to pay this and be done with **********.

Desired Settlement: Pay them for the shortage we agreed on 1/11/16 and be done with them, ********** screwed this up and now will help.

4/3/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a mortgage through HSBC and pay my homeowners insurance and property taxes separately, they are not in escrow. As always, I received my tax statement and was sure to mail my property taxes in on-time. A few days later, I received my mortgage statement from HSBC but noticed the balance was higher than normal. The charges reflected a charge of $1867.06 which was billed on 1/13/16 with a code of "Outstanding Lender Advanced Balance" and on another portion of the bill shows "County Taxes". I was confused because HSBC has never paid my taxes, I have always paid them on-time. I called on 3/1/16 expecting a quick resolution, but unfortunately this was not the case. At first, I was told I needed to prove that I had paid my taxes. I responded with I needed a reason why my taxes were paid on my behalf and then sent a bill. I had always paid them on-time and my mortgage was set up for the payments to be processed this way. I was transferred to the tax department of HSBC because he could answer my question. A representative from the tax department looked into it and said it was a glitch in their system and the taxes should not have been paid by HSBC. On 3/7/16, I received a letter in the mail that was dated 3/2/16, the day after my first call stating the letter confirmed that "I had agreed to enter into a short-term repayment or forbearance plan"The Plan" ". I had not agreed to enter a plan and was confused with this letter. I called HSBC again on 3/8/16 to only be told another letter would be mailed with the resolution, that they do not have any record of there being a glitch in their system, and that the taxes were paid because they were delinquent and was being transferred to another lender. I asked to speak to someone who can look into both my mortgage and my taxes at the same time so we can resolve the mortgage overage on the balance and the tax issues and I was told there was no one at the entire HSBC corporation that was able to look at both of these to resolve.

Desired Settlement: I would like someone at HSBC who can look at both my mortgage and taxes and tell me over the phone what the resolution will be. I keep getting told that a letter will be sent. The letter sent after my first call is inaccurate and does not reflect the conversation I had with the representatives. By the time I get a letter, there can already be consequences including additional fees and inaccurate credit report issues. I am trying to be proactive and avoid any issues. I don't understand the issue, I have paid my taxes and my mortgage on-time. Please help! I have done my part with on-time payments and deserve and quick resolution.

4/3/2016 Problems with Product/Service
3/29/2016 Billing/Collection Issues
3/18/2016 Problems with Product/Service
3/18/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: HSBC is my mortgage company for over 10 years, since I acquired the loan I was never late before, but in October my financial situation change due to my Mother kidney transplant 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 without a valid reason. moreover, they asked me to do a short-sale, I do want to lose my home. I asking the to check that I have special rider that is on my mortgage where states that the interest rate was reducing every year a 0.25% at the anniversary of the loan since the inception of the loan in 2004. I am requesting to adjust the mortgage payment to the 4.3% which it is my actual interest rate now, from the 7.50% original when i got the loan. my mortgage payment never change I still owe $89.000 and I pay 1400 monthly for the mortgage. I few days ago a person from HSBC came to my home. and I already star receiving letters of foreclose and short-sale. I want to keep my home.

Desired Settlement: Mortgage modification, I am paying $1400 monthly on mortgage, I owe $89.000 I do not want to lose my home. I just request to lower and adjust my interest rate.

Business Response: Response mailed to customer. 3/10/16

3/17/2016 Problems with Product/Service
3/17/2016 Billing/Collection Issues
3/16/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i checked my credit and saw that there was a fraud account on my credit report i sent over my police report and *** AFFDAVIT to hsbc bank and let them know this was a fraud account still to this day only got 1 letter from them and was not saying much they are breaking the law and not helping people in my situation this is a fraud account. I also just got a notice that the account is now charged off and is ruining my credit they will now be held liable for the damage they did to my credit.

Desired Settlement: i want this account removed from my credit report

Business Response: Response sent to client on 3/1/16.

Consumer Response:

 
Complaint: ********

I am rejecting this response because:

 

No response was received.  I've tried to contacting HSBC many times with no results in getting this resolved. 


Sincerely,

******** *******

Business Response: A response was just mailed to the above address on March 1, 2016.  Please allow 3-5 business days to receive and review.

3/12/2016 Billing/Collection Issues
3/12/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had a mortgage account with ********** and they paid my property taxes when they should not have paid them. They should not have paid them because I have always paid my own taxes and when they requested proof that my taxes were paid I submitted that information. They charged me for the amount that they claim was sent to my taxing authority. I spoke with the taxing authority who states that they never received a payment from **********. They only have my payments on record. I have been calling ********** every week for research regarding my refund and they will not provide it. They just continue to change the research end date instead of providing a determination. I would like my refund of $1841.00 that I never should have been charged from the beginning.

Desired Settlement: I would like a refund of the money due to me.

3/8/2016 Billing/Collection Issues
3/5/2016 Billing/Collection Issues
3/3/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: HSBC BANK NEVADA N.A. SOLD MY ACCOUNT TO ********* ******** ASSOCIATES *** ********* ***** *** **** ******* *** IN APRIL OF 2013. I HAVE SATISFIED THE DEBT WITH ********* , BUT HSBC IS STILL REPORTING THE DEBT THE CREDT BUREAU AS A CURRENT DEBT . IT IS SHOWING ON MY CREDIT REPORT AS A MAXED OUT CREDIT CARD. THIS IS AFFECTING MY ABILITY TO OBTAIN CREDIT WHEN THIS SHE HAVE BEEN RESOLVED. HSBC ACCT # * * * * * * * * * * * * * *

Desired Settlement: CREDITOR REMOVED FROM CREDIT BUREAU . DEBT HAS BEEN SATISFIED

Business Response: Please redirect this to ******* *** for handling.  They have confirmed they will handle.

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

******* *******

3/2/2016 Billing/Collection Issues
3/2/2016 Billing/Collection Issues
3/2/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: HFC is reporting inaccurate payment status information on my ******** and ******* reports for account #**************. They are listing the account as 90-120 or more past due. HFC sold my account to another institution, ********** Financial in May of 2013, so the account is not past due.

Desired Settlement: HFC should change the payment status to reflect either paid/transferred/sold & current.

3/1/2016 Billing/Collection Issues
2/25/2016 Billing/Collection Issues
2/25/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i am seeking a refund for a fee of $10 for a returned check that was deposited by mobile deposit. I called today 2/11/2016 at 12pm and spoke with supervisor **** ID#**** and rep **** ID#*****. They were rude and not willing to help. Also kept me on line for almost an hour. They refused to give id and refuse to pass on supervisor. Also as a customer of almost 5 years with this bank I have never had a check returned or incurred any fees. I feel that as a courtesy you could refund the $10 dollars. Also your terrible customer service is terrible and your reps are not customer oriented and not helpful. I think you may want to refund the fee because now days a lot of online banks such as ********** and many others are FREE OF FEES. Nobody pays any fees anymore!!! Maybe is time i change banks and cancel this account since your customer service is not helpful and long waits of almost 1 hour and loaded with fees. Your fees are thing of the past and you are old fashioned. Keep up with times because times are changing and customers like myself don't need branches anymore and everything is done online nowadays. Everybody is changing to where banks do not charge any fees!!!

Desired Settlement: Please refund my fee of $10 and talk to your customer service personnel for better service they are rude and unprofessionals not willing to help a customer but arrogant!!

Business Response: Response sent to the client 2/17/16.

2/25/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Account **** **** ********* I requested to have this account closed and the address to be corrected since my mail is still being sent to my old address. The CSR refused to close the account since I did not answer the so called "security questions." Although I provided the last 4 digits of my SSN. I am deeply concerned! This company is sending statements for 5 years to the old address and refuses to close the account upon notice.

Desired Settlement: Close the account as requested by customer and provide written confirmation to my correct (not the old one) address.

Business Response: Response sent to client 2/12/16.

2/21/2016 Problems with Product/Service
2/18/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been trying to gain access to my HSBC bank account for over 6 months and close them. Due to poor customer service they have not allowed me access to my accounts or the ability to close them.

Desired Settlement: Please give me access to my accounts and I would like to close them due to their horrible customer service.

Business Response: A response has been drafted and will be sent directly to the customer via standard postal mail.

Business Response: Response sent to the client again via email on 2/17/16.

Consumer Response:


Complaint: ********

I am rejecting this response because:

I have not received cofirmation of all accounts being closed via snail mail.  Also I have not received the remaining balance of my accounts.  

Sincerely,

****** ****

2/18/2016 Problems with Product/Service
2/17/2016 Problems with Product/Service
2/14/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I am trying to refinance my mortgage with ******* ******* for an interest rate of 4%. HSBC is charging us 8%. In order for us to do this we asked HSBC to send 2015 payment history to the three credit bureaus since they do not report our loan to the credit bureaus. I sent in the request in writing, but they would not comply. I was on the phone with ****** ***** for 2 days back and forth and his manager ****, and ****** ******** today for 2 hours trying to get my request fulfilled. They refused to do this because they said it was a business decision by HSBC. Once it is put in place to not report the mortgage, they can't change it. I was treated rudely with threats to hang up on me and they would not give me a valid reason as to why they don't report to the credit bureaus. I am having heart surgery on Jan. 25th and I want to close my loan before the surgery. I need this done before we close and if they don't we could lose the loan with ******* *******.

Desired Settlement: Just do as they were asked so I can finish this process

2/12/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been a "Premier" customer of HSBC **** and credit card. I have over $100,000 deposited in HSBC **** account. I have been paying full balance each month for my HSBC credit card. HSBC has been sending me paper monthly credit card statements for me to pay my each month's balance. I have been relying on the paper monthly statements as the reminder to know my monthly balance and pay my balance. However, around the end of last year (November/December 2015), I received a phone call from HSBC saying that they have sent me to "collection" because I have not paid about $490 for 2 months. I was totally shocked because I did not receive any paper statements showing the $490 balance. They said they have sent me emails. This was another shock. I have never signed up for paperless delivery and have not received any emails regarding the $490 balance either. The paper statement has been my reminder for balance and payment. I have no reason of making changes and did not make any changes. I paid the full about $490 balance immediately over the phone to the person who called me using my **** of ******** account. I told them they should have called me first before sending me to the collection. I have never been late for paying full monthly balance. This was the first time and it was not my fault. They did not send me statement and I did not authorize paperless either. Besides, I have plenty of deposit in HSBC **** to pay the balance. They should have called me first to resolve issue before sending me to collection. I asked HSBC to withdraw the collection, but HSBC declined to withdrew the collection. My credit score was downed by over 100 point because of this. It used to be greater than 800. It is 713 now. This has significant effect on my credit score. I am very disappointed and frustrated. HSBC needs to correct this for its premier customer. I want them to withdraw the collection and help repair my credit history. They should not have stopped sending my statements without getting my enrollment.

Desired Settlement: Withdraw collection. Correct credit report. Send me confirmation that collection is withdrawn.

Business Response: Response sent to client 01/28/16.

2/11/2016 Problems with Product/Service
2/3/2016 Billing/Collection Issues
1/31/2016 Billing/Collection Issues
1/29/2016 Problems with Product/Service
1/29/2016 Problems with Product/Service
1/29/2016 Problems with Product/Service
1/27/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had HSBC credit card and the company continued to charge late fees and over the limit fees on late fees while I was paying the bills. They sent my account to collections with three different companies consecutively. I have paid this debt to the last collection agency and have tried to settle this with HSBC with no response from them. At this point this is on my credit report with no way to resolve this issue, because Midland Funding will not communicate with me. I sent both companies a letter with details of this situation, but I have received no response from either company other than letters from Midland Funding stating that they will not longer be communicating with me.

Desired Settlement: I would like HSBC to stop selling my paid debt to other companies and have Midland Funding remove their collections from my credit report. Thank you!

Business Response: Response sent to client 1/12/16

Consumer Response:
Complaint: ********

I am rejecting this response because: No response has been received.

Sincerely,

*** ****

Business Response: A copy of the response will be sent via standard postal mail today.   

1/24/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: my account was charged for tech support without my permission or knowledge, wasn't until i received my charge account bill that it was brought to my attention. I immediately called to have it removed and was told that it would be taken care of. Then the following month i received my charge bill again and the charge was still on the account plus service charges. I called yet again to have the situation taken care of. She told me that the charges would be removed and the tech support to be canceled. This time I managed to get a confirmation number and her name. I received a call from my charge card that it was still outstanding a couple weeks later. This time when I called, I was denied permission to speak with a supervisor to start off with, and when she looked into the situation with confirmation number, I was told that since it was more than 30 days ago, I could not be refunded, and the tech support was still canceled. so now, I have to pay for a service that I don't have. After being told this, I demanded to speak with a supervisor, to where I was put on hold, then told I would be called back...never received that phone call. So now, I have to pay for the original fee, and a few months worth of service charges...for something I never wanted, and no longer have. Thank you **** ***

Desired Settlement: I want the charges removed from my Credit Card

Business Response: Response sent to client 1/12/16

1/17/2016 Problems with Product/Service
1/10/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 10/05/2015, I submitted a dispute to all 3 credit bureaus indicating that my BENEFICIAL/HFC account 1765XXXX has been paid off and closed. A few months later, once the account was updated in all 3 bureaus, I requested in multiple occasions for the dispute comments to be eliminated from all 3 credit bureaus since they were affecting my ability to obtain credit/another mortgage. Transunion and Experian eventually were able to remove the comments as I requested, but not Equifax. For my disputes, Equifax reported that BENEFICIAL/HFC is denying my request of removing the dispute comments from my credit Report. I do not know the reason(s) for the denial. I believe that it should not be like that since I was the one who submitted the request in the first place in order to update my credit reports and now it is affecting my ability to obtain credit (Basically, I have been penalized for disputing incorrect information). I even contacted BENEFICIAL/HFC directly to resolve this situation and no one was able to assist me.

Desired Settlement: I would like for the account to be removed from my credit reports.

Consumer Response:
Complaint: 10975884

I am rejecting this response because: The issue has not been resolved yet. I am waiting for my credit reports to update.

Sincerely,

Yacyrenia *****

1/9/2016 Problems with Product/Service
1/4/2016 Problems with Product/Service | Complaint Details Unavailable
12/30/2015 Advertising/Sales Issues
12/29/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Since October of 2014 when I noticed a negative item being inserted to my credit reports by HSBC I have sent several notices via certified mail and requested HSBC to provide proper documentation in order to support their trade line, but up to this date I have received no documentation non what so ever. HSBC claims that this alleged account has been sold to another entity and based upon that claim I requested HSBC to remove their trade line from my credit files but up to this date they refrained to do so. HSBC is violating FCRA and has created financial injury to me. Please assist me in this important matter.

Desired Settlement: HSBC must remove their trade line from my credit reports since they have violated the law and more over they are not in possession of the alleged claim.

Business Response: Response sent to the client 12/4/15.

Business Response:

Good morning. 

Another copy of the response will be sent via postal mail today. 

12/25/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: they sent me two letters threatening me with foreclosure. Charged me $129.62 but cannot tell me when I was late or past due. Date: July 5, 2015 To Whom It May Concern, Better Business Bureau, Regarding: Account # XXXXXXXXXX I received two letters last week threatening to send my loan to "foreclosure" It indicated that I was pass *** on my payment. I called and spoke to an attendant named***** on June 17, 2015. I explained to***** for the reason of my call. He told me that he did not see a late charge or a missed payment; he advised that he went back to 2010. I asked him what about the $129.62 payment for a late charge, where did it go or come from. He said He does not see why this was asked for or applied. I asked him, so you just take my $129.62 and put it into your pocket without reason or cause? He did not have an answer and told me I could order a payment history. I placed the order for said documents. I received the documents and found that they sent me a report for the dates of 03/13/2014 to 05/10/2013. Nothing more was sent. Looking at the report it shows no late or missed payments. I am left to believe there was never a missed or late payment. I asked***** about the two letters I received. He asked if I was in California and I replied, "Yes". He then told me it was sent as a mistake. I replied, two of them? He said that California is a different computer program and sends these out. I told him I did not understand these threatening letters, especially after you tell me there is no merit to them. And you charged me $129.62 for no cause. Our call ended. I checked my payment history and found we have never been late or pass **** I asked that you supply me with some kind of proof that I was late to justify the cost you received. If not, and you cannot supply me with any facts. Return my money and fix the issues at hand. I have been a faithful customer who is very upset with this. I will look to replace you soon. Sincerely, ***** ******* Cc: BBB Att: Reseach ***************************************

Desired Settlement: correct practices and refund cost and all credit damages if any

12/22/2015 Problems with Product/Service
12/20/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: My husband needed dental work. He applied for and used credit through this company. Not long after receiving treatment my husband became very sick, and in October of 2013 and January of this year (2014), he suffered a series of strokes which we are happy to provide documentation of. He is unable to complete opening a case on his own due to the cognitive deficits he has experienced as a result of the strokes and has asked me to pursue opening this case. I am named as an authorized representative on his account. We have consolidated many of our bills following his medical issues, but when we tried to work with this company they were the only company unwilling to work with us as my husband continues to recover. Initially, they were on a payment plan through ********* Credit Counseling Services prior to the strokes (following surgeries), but when we missed one payment when the second round of strokes left us financially unable to pay, they were unwilling to stop late fees after the one late payment. I've attached the bill with the circled amounts; each month they are adding a $35 late fee and $24 for interest. What was a $900 bill is now $1,535.34 as of this month as they continue to be unwilling to work with us. Soon the bill will have doubled. You will see circled in the attached letter that they expect $544 to even start a payment plan and are unwilling to accept less. Despite calling twice in good faith to work on this account with a manager, they were unwilling to stop adding late fees and will not accept less than this amount. What's worse: While my husband has been recovering they have been repeatedly calling our house and harassing us at home after trying to work with them. I would answer the phone, explain I already tried to work with them, and they would tell me they would continue to call at a time when my husband needed peace. This was after they rejected a partial payment, and after they refused to be added as an account with ********** Product_Or_Service: Dental credit Account_Number: XXXXXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) We would like to add this bill to our ********* account for the amount of money accrued at the time of the charges, minus the late fees which have accrued since they have been unwilling to work with us, and with a lower, more reasonable percentage rate which acknowledges my husband has serious medical issues at this time.

12/19/2015 Problems with Product/Service
12/12/2015 Delivery Issues
12/12/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have disputed a fraud account in my name with this company, It says it was opened on 3/2010, with the balance of $611. It is a credit card I guess that I never applied for or had. the account number is XXXXXXXXXXXXXXXX. I have never had a credit card other than the ones I have had to pay a deposit. This card is a fraud account. I have complained several times along with my wife ******* ******* reguarding this account and all they did is say they will place a fraud ticket request and it would be removed shortly but yet nothing has never been done. I want this removed asap cause it is keeping me from getting a right credit score and from buying a home. Product_Or_Service: credit card Account_Number: XXXXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) That it is removed asap since they have been telling me and my wife they will for almost three years.

12/8/2015 Problems with Product/Service
12/5/2015 Billing/Collection Issues
12/4/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Company has me listed as owing taxes on property in two different counties that I do not have property and never lived in those counties. The problem is they are charging me county taxes added on to my payments and I am making my own tax payments each year. I have been calling them for two years now to straighten this matter out, they keep telling me they are straightening it out then I have to speak to different people all the time and re explain, then its the same thing over and over. They told me they owe me money back and that they will refund it, then I get my wages garnished because of taxes I had already paid. I get a bill for one amount one day and talk to them and it doubles by the next day. Their explanation is it is for our taxes. Our payment is $600 a month and they have me owing $900 a month. My taxes are only $300 and some odd dollars for a year, not a month. There is no local office near me anymore where I can sit down and explain this face to face and it is just getting worse. please help me find a solution. I feel like someone is pocketing my money.

Desired Settlement: DesiredSettlementID: Billing Adjustment UI want this resolved now. Phone calls demanding money on weekends and night when my payments are current needs to stop. I want them to investigate like they say they are and I would like to be able to sit down with someone face to face and get this fixed.

Business Response:

11/20/15. Response was sent to customer.

12/4/2015 Billing/Collection Issues
12/3/2015 Billing/Collection Issues
12/1/2015 Problems with Product/Service | Complaint Details Unavailable
12/1/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I opened my FHA mortgage with HSBC July 2007, In February 2013 I refinanced with them for a lower interest rate and was advised that I would not lose my payment history. When I called today to have my PMI charges removed, I was advised that was not true and my payment history restarted in 2013 and I have to continue paying the $75 monthly fee until 20198 regardless of the fact I'm below the 80% guideline and have never made a late payment in over 7 years. While I understand that there may not be anything that can be done to change it now, it is unacceptable for a mortgage company to lie to their customers. I was never provided the correct information. When I asked about the PMI, I was told I could still remove it when I hit the 80% mark. If I had been giving the correct information, I would have had the PMI removed prior to my refinancing. Thanks to their misinformation and deception, I will be paying approximated $4500 that I should not have to.

Desired Settlement: If there is any way possible, I would like HSBC to let me have back my original loan terms, or they should be responsible to pay a portion of what I have to pay now.

12/1/2015 Delivery Issues
12/1/2015 Guarantee/Warranty Issues
11/30/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have logged into my account for 6 months and I get an error message that does not allow me to view my account, balance, payments, etc. I have been using the online account for over 10 years. In the last 6 months each time I log in I get an error message that says the site is having a problem and to try again later. I am not able to get my account information, see my balance, make a payment, or see my payment history. I have called the company to see what is going on and I was told they were having issues with their website. I understand that this can happen but for 6 months I cannot access my account and I am really frustrated. The agent I spoke to did not seem to see the urgency of my concern that I could not use the online system for payment or account information. Apparently it is not happening to all customers, just some. I'm concerned because I want to make sure that my payments are being correctly applied to my account.

Desired Settlement: I would like that they address their website issue and have it corrected. I would also appreciate communication from the company regarding the issue and how they plan to fix it.

Business Response:

mailed to cusotmer 11/3/15

Business Response:

Mailed response to customer.

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.

Sincerely,

Katrina *******

11/30/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: When I refinanced my house with Seneca Falls Savings Bank in 2002, the mortgage I had with household was paid in full. They never did a discharge of mortgage and it was not filed with Cayuga County. Therefore there is still a lien on my house of $122,293.00. The account number of the loan with household was: ********. I am currently trying to again refinance with the same bank for the purpose of removing my ex-husband's name from the loan as per the divorce agreement and also for obtaining a lesser interest rate. The lawyer involved with my refinance has asked for this discharge of mortgage from them since July 27th and this company continues to stall. I was only given one year to refinance per the divorce and I have run out of time.

Desired Settlement: I just want the mortgage discharge so I can move forward with the refinance of my house.

Business Response: Hello Nita, when viewing the account # ******** and the information the customer provided no data was found. Please have the customer provide the ex-husband's name, title report and the complete account # in it's entirety. Once we receive the information, we will address all allegations listed in the complaint.

Thanks
Mae *******

Consumer Response: (The consumer indicated he/she DID NOT accept the response from the business.)
I received a copy of the discharge of mortgage on 9/21/15 which was five days after it was mailed. This copy cannot be filed however so I am no closer to refinancing my house than I was 60 days ago. Back in the beginning of September, two people I spoke with at this corporation told me the county clerk's office had filed this discharge on August 31st. This was a lie. I have been in very close contact and have even gone to the clerk's office to investigate this myself on several occasions. Two other people at Household Finance told me the discharge was mailed on August 31st. Since I received my information within five days, it is reasonable to assume the clerk's office would have received it by September 8th. That did not happen. It is now September 23rd and still the clerk's office has received nothing. Someone else at Household Finance told me they received confirmation from the clerk's office that the discharge had been received. However when I asked when they received said confirmation, this information was unavailable...another lie. Today was the third time I spoke with Coehama Lipscomb who told me they have received nothing back from the county clerk's office. I reiterated to her this obviously has been lost in the mail and asked her to please stop payment on the check for the filing fees and re-send the discharge for filing to me as I would be more than happy to pay the filing fees. She refused. When I asked to speak to someone higher than her, she told me there was no one higher than her. I believe this to be another lie. At this point, it is extremely important for me to refinance my home in order to lower my payment by $600.00. I have depleted my savings account in my feeble attempt to keep my house until this can be settled. I explained this to Lipscomb to no avail. I believe their reluctance to recognize my situation as a hardship is unforgiveable. We have been asking for this paperwork to be filed for over 60 days as it was first requested on July 17th. Their letters of apology for their poor work ethics are unacceptable. I believe they should be doing their best to satisfy this issue instead of hindering it by refusing to work with me and make an exception in this case. There is no excuse for this delay. I want this to be ended and this discharge filed no later than close of business on September 30th. No customer should have to be treated this way.

Business Response:

Response mailed to customer on 9/16/15.

11/27/2015 Delivery Issues
11/22/2015 Problems with Product/Service
11/20/2015 Problems with Product/Service
11/17/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been locked out of my online account for three months. I have attempted to have my account unlocked and I am given the run around. I made clear when I was contacted by what I can only assume was a collections autodialing service that I have not received a statement of my account in the mail and I can not log in online to see my account activity. I have called and been told to call back and still my problem goes unresolved. I lost my credit card and I reported this when I called the first time and again I was given the run around. This is the worst company I have ever dealt with. Their security settings for account logon are absurd. Custom service is clearly not a priority. Product_Or_Service: Credit Card

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want my online account unlocked so I can see the activity on my card and make sure it is not stolen.

Business Response: This complaint also came in through the CFPB and our office will respond to the complaint around their due date (12/11/15) with response sent directly to the client.

11/16/2015 Delivery Issues
11/16/2015 Problems with Product/Service
11/12/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I went into the bank before my travels overseas and asked what would happen if I used my HSBC check card at an ATM. I was told not to worry, and that any fees I incurred would be reimbursed by the bank as I had a special type of savings/money market account. I then went overseas and went ahead and used the card, only to find out I was charged roughly $20 in fees for 1 ATM transaction. After numerous phone calls to the bank, I eventually found out that the MasterCard company had actually charged me 3% of the transaction as a fee. This was not mentioned whatsoever when I walked in and spoke with a man, whom to the best of my knowledge, believe it or not, is the manager of the branch. In the end, I was told that the fees were my problem and that nothing can be done. At this point, I should not be responsible for someone else's utter incompetence. Product_Or_Service: Banking Order_Number: N/A Account_Number: N/A

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the fees I was charged to be paid back to me and I will never be doing business with this bank again. I am currently in process of closing my account out.

Business Response: A response has been drafted and will be sent directly to the customer via standard postal mail.

Consumer Response: I finally received the paper mail letter that was sent to me from HSBC. HSBC Taking zero responsibility for an error on HSBC's part does not resolve this complaint. If people working at the bank give false information and are not held accountable for their false information, why are they there in the first place?

Business Response: Response sent to client 10/21/15

10/26/2015 Problems with Product/Service
10/26/2015 Problems with Product/Service
10/23/2015 Billing/Collection Issues
10/21/2015 Problems with Product/Service
10/19/2015 Billing/Collection Issues
10/14/2015 Problems with Product/Service
10/12/2015 Advertising/Sales Issues
10/12/2015 Problems with Product/Service
10/12/2015 Problems with Product/Service
10/5/2015 Problems with Product/Service
10/5/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I received a foreclosure letter in regard to my mtg in which I never missed a payment since 2008. They claimed I missed 4 payments in which I had proof the payments were paid through my M&T account which M&T faxed the document to HSBC. HSBC customer service was very condescending and I felt like they weren' trying to help me which I had to call twice in 1 day to be told I was in collections &I had a case worker assigned to my account. M&T sent me back my July payment as it was just sitting there and not applied. HSBC claimed they may have miss applied my January payment which caused my account to be incorrect. I tried to contact them 2 more times to this day and my case worker is out of the office. Also, now I have to hire an Attorney to fix my credit as they reported lates & I have been accessed serious late fees. I was never contacted by phone prior to my encounter with HSBC on 9/10/15. Product_Or_Service: Mortgage

Desired Settlement: DesiredSettlementID: Other (requires explanation) To have my mortgage back in good standing & my name along with credit report, stress & fees.

Business Response: Initial Business Response /* (1000, 5, 2015/09/24) */ A response has been drafted and will be sent directly to the customer via standard postal mail.

10/2/2015 Delivery Issues
9/23/2015 Problems with Product/Service
9/21/2015 Problems with Product/Service
9/14/2015 Advertising/Sales Issues
9/14/2015 Delivery Issues
9/14/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: We would like HSBC to respond to inquiries made on our behalf by ******** credit reporting agency. I had a credit card account with HSBC that was forwarded to a collection agency in 2011. The account was settled with the collection agency in 2014. In 2015, while attempting to correct incorrectly reported items on my credit report, it was discovered that an entry on the HSBC record stated "consumer disputes account information." In order to have that dispute entry removed, ******** simply needs HSBC to confirm that they have no standing Dispute with me. They continuously refuse to do so, stating that they have no record of my account. They also refuse to state, in writing, to ******** that they have no record of an account with my name. Multiple attempts have been made and they still refuse to respond at all, prohibiting ******** from accurately reporting my credit history. ******** has sent them multiple faxes and requests asking them to confirm Dispute status with not one response as of this date.

Desired Settlement: I would like HSBC to correct my credit report by removing their entry and /or removing the dispute status. Id also like them to respond to ******** regarding their requests for information.

Business Response: Initial Business Response /* (1000, 10, 2015/09/02) */ A response has been drafted and will be sent directly to the customer via standard postal mail.

9/7/2015 Advertising/Sales Issues
9/1/2015 Problems with Product/Service
9/1/2015 Problems with Product/Service
8/31/2015 Problems with Product/Service
8/31/2015 Problems with Product/Service
8/28/2015 Advertising/Sales Issues
8/27/2015 Advertising/Sales Issues
8/27/2015 Billing/Collection Issues
8/24/2015 Delivery Issues
8/24/2015 Advertising/Sales Issues
8/24/2015 Advertising/Sales Issues
8/24/2015 Advertising/Sales Issues
8/17/2015 Delivery Issues
8/17/2015 Advertising/Sales Issues
8/17/2015 Delivery Issues
8/17/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: HSBC is unable to validate a CC tradeline on my credit report. They report this as charged off, yet the account was legitimately closed well before this charge off would've occurred. HSBC has sold to the debt (Portfolio Recovery Services), who is also unable to verify any account details. I do not take responsibility for this debt as the account was closed, along with HSBC being unable to provide any information on the account, and request that HSBC remove this tradeline from all 3 credit bureaus. Product_Or_Service: Credit Card

Desired Settlement: DesiredSettlementID: Other (requires explanation) quest that HSBC remove this tradeline from all 3 credit bureaus.

Business Response: Initial Business Response /* (1000, 5, 2015/08/04) */ A response has been drafted and will be sent directly to the customer via standard postal mail.

8/10/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I requested a payoff quote on June 17th for a close on the 24th. I applied via the bank's online process, and asked that it be both faxed and sent to my title company. The title company did not receive it and my husband, myself, the title company, and my credit union all tried to call the phone number on my monthly statements (X-XXX-XXX-XXXX), and all of us were hung up on by their automated system. We ended up sending more money than required just to be "safe" since we could only do our own estimations of the amount due. I tried to check my account online 2 days after close, and I got the message that I had to call to get any information, so I tried to call again. After (inaccurately) identifying myself as a service member I finally got to talk to a human being. She said she would not be able to confirm until the following Friday how much I was due back and generate a refund, but she was able to confirm that my money had been received. Today is July 6th, and I received a letter from the company saying that they were purchasing insurance for the house since mine had been cancelled. So I called the insurance number and spoke with a gentleman who was able to confirm that the account had been paid off in full, and he transferred me to******* who told me that it would be 30 days before she could tell me how much they owed me. I asked for a supervisor (************), and he claims they sent a payoff quote, and that they are there "every day" and no one called them to try to get the info so that we wouldn't have to send too much. After I pointed out that if they really had generated a payoff quote and I knew how much I had sent that simple math should be able to figure out how much I was owed he finally told me that I was owed $119, but that it would be at least 30 days before they would even generate a refund check because of their internal processes. I find this unacceptable since as of today I called my title company and they still haven't received a payoff quote from ****. Product_Or_Service: ******** Account_Number: XXXXXXXXXX

Desired Settlement: DesiredSettlementID: Refund I would like and IMMEDIATE refund since I am trying to purchase another house, and should never have had to send them extra money in the first place had they followed through and sent the payoff quotes.

Business Response: Initial Business Response /* (1000, 11, 2015/07/28) */ 7-28-15: Hello ***** HSBC responded to the customer's allegations on 7-23-15 and ********** mailed a copy of the response letter to the customer. Thanks ***********

8/10/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I opened a checking account using a promotion that would pay me banking bonuses ($200, $50, + $50). Bonus should have paid 8 weeks from 3/21/ 2015. I have contacted them numerous times with different responses. In reverse chronologic order, here are my contacts to them:7/8 bonus still not received6/17 sent bank mail: response from HSBC that unknown time frame for completionI called on 6/1 and was told they would be returning call in 5 days which was not.I called 6/10 and was told bonus would be deposited the following Monday and it has not.Please credit my account for bonuses $200 (Advance New Customer Primary Offer), $50 Direct Deposit Bonus offer), and $50 Money Management Tools Bonus Offer). Product_Or_Service: Advance Checking Account_Number: x

Desired Settlement: DesiredSettlementID: Other (requires explanation) Credit my account for $300 for the bonuses as promised.

Business Response: Initial Business Response /* (1000, 6, 2015/07/28) */ A response was drafted and sent directly to the customer via standard postal mail on 7/17/15.

8/10/2015 Problems with Product/Service
8/4/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I WAS INVOLUNTARY UNEMPLOYED ON AUGUST 3, 2014. MY REQUEST FOR PAYMENT OF INVOLUNTARY UNEMPLOYMENT BENEFITS TO MY BENEFICIAL FINANCIAL COMPANY ******** ACCOUNT, #XXXXXXXX WAS INITIALLY CERTIFIED TO BENEFICIAL FINANCIAL ON FEBRUARY 27, 2015 HAS NEVER BEEN ACKNOWLEDGED. LIFE INSURANCE & DISABILITY INSURANCE PREMIUMS HAVE BEEN DEDUCTED FROM MY ******** SINCE FEBRUARY 2002 TO PRESENT. MY ESCROW ACCOUNT DOES NOT SHOW THE PREMIUMS. I HAVE NO IDEAL WHAT OCCURRED AND THE AGENCIES THAT I HAVE CONTACTED IN BALTIMORE, MD. CAN NOT GET A RESPONSE FROM BENEFICIAL OR (WESCO) INSURANCE COMPANY. PER LETTER RECEIVED FROM THE ADMINISTRATOR FOR WESCO INSURANCE COMPANY,("PAVONIA" LIFE INSURANCE CO. OF MICHIGAN"), DATED MAY 28, 2015, THEY ARE CLAIMING THAT MY CERTIFICATE OF DISABILITY INSURANCE COVERAGE AND THE CERTIFICATE OF INVOLUNTARY UNEMPLOYMENT INSURANCE COVERAGE DATED FEBRUARY 11, 2002 WAS CANCELLED ON AUGUST 3, 2004. I WAS NEVER NOTIFIED OF THE CANCELLATION. THE CERTIFICATE OF DISABILITY INSURANCE PREMIUMS AND THE CERTIFICATE OF INVOLUNTARY UNEMPLOYMENT INSURANCE PREMIUM DEDUCTIONS WERE NEVER CANCELLED AND I HAVE NEVER RECEIVED A REFUND OF MY PREMIUMS DUE TO THE CANCELLATION. (MY CREDIT LINE ACCT. NO. WITH BENEFICIAL IS: XXXXXXXX.) MY X-REFERENCE BBB COMPLAINT NUMBER IS: XXXXXXXX. MY REDRESS IS TO CANCEL ALL PREMIUM DEDUCTIONS BEGINNING MAY 13, 2006 THROUGH AUGUST 01, 2015 AND TO REQUEST THAT BENEFICIAL FINANCE CO. AND(WESCO INSURANCE CO. REFUND $10,000.00 IN PREMIUM DEDUCTIONS AS COMPENSATION FOR MY GREVIENCE. THEY ARE ALSO STATING THAT THE DOCUMENTATION ASSOCIATED WITH MY ACCOUNT IS BEYOND THEIR RETENTION GUIDELINES, THEREFORE, THE DOCUMENTATION IS NO LONGER AVAILABLE. HOWEVER, PAYMENT PROTECTION PLAN PREMIUMS ARE STILL BEING DEDUCTED FROM MY ******** PAYMENTS. THE PAYMENT PROTECTION PLAN PREMIUM DEDUCTIONS WERE EFFECTIVE FEBRUARY 11, 2002 AND WERE BEING DEDUCTED FOR COVERAGE IN CASE OF DISABILITY OR INVOLUNTARY UNEMPLOYMENT INSURANCE PAYMENTS AS THE CERTIFICATE OF INSURANCE IS STATING. (SCHEDULE INSURANCE FORM #IS: LPCC/6/7/8CTSLSMD (WO/LS). THIS INCIDENT APPEARS TO BE A GROSS BREACH OF CONTRACT IN MY OPINION. MY CERTIFICATE OF CREDIT LIFE AND DISABILITY INSURANCE SCHEDULE TERMINATED ON APRIL 13, 2006. (THIS INSURANCE COVERAGE WAS EFFECTIVE ON APRIL 13, 2001.) MY INITIAL CONTRACT LOAN DATE WAS ALSO APRIL 13, 2001. "PLEASE BE ADVISED THAT ALL INSURANCE CONTRACTS WITH BENEFICIAL FINANCE COMPANY ARE VOLUNTARY AND WERE NOT MANDATORY IN ORDER TO OBTAIN THE LOAN." ALL OF MY INSURANCE CONTRACTS PER MY INSURANCE CERTIFICATES CAN BE CANCELLED AT ANY TIME UPON REQUEST AND PROCESSED WITHIN 30 DAYS OF NOTIFICATION. THERE IS ONLY ONE MANDATORY INSURANCE NECESSARY "THAT I AM AWARE OF", WHICH IS THE HOME OWNERS' INSURANCE COVERAGE WHICH I PURCHASED 1998. (ALL DOCUMENTATION WILL BE CERTIFIED TO THE BBB.) YOU SHOULD RECEIVE IT IN APPROXIMATELY THREE BUSINESS DAYS.

Desired Settlement: I AM SEEKING TO OBTAIN THE MORTGAGE PAYMENTS TO MY CREDIT CARE ACCOUNT WHICH IS MY SECOND MORTGAGE WITH BENEFICIAL FINANCIAL AS STATED ON MY CERTIFICATE OF INVOLUNTARY UNEMPLOYMENT INSURANCE.

Business Response: Initial Business Response /* (1000, 7, 2015/06/19) */ Mail response copy to customer...6/19/15kah. Initial Consumer Rebuttal /* (3000, 9, 2015/06/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) HSBC FINANCE CORP. HAS NOT RESPONDED TO THE BBB INQUIRY FROM YOUR OFFICE TO ME: (********** *********)(RE: CASE #********: HSBC FINANCE CORP.) AS OF TODAY JUNE 23, 2015 I HAVE NOT RECEIVED THEIR MAILED RSPONSE. THE BBB WILL RECEIVE BY CERTIFIED MAIL ADDITIONAL INFORMATION FOR YOUR REVIEW IN APPROXIMATELY 3 BUSINESS DAYS. ALL INFO WAS FORWARDED TO HSBC AND ***** ON AT LEAST THREE OCCASIONS. THERE HAS NEVER BEEN A RESPONSE TO MY REQUEST FOR INVOLUNTARY UNEMPLOYMENT BENEFITS TO BE PAID TO MY CREDIT LOAN AS STATED IN THE CERTIFICATE OF INSURANCE CONTRACT. I WILL NOW CONTACT YOUR BBB ALTERNATIVE DISPUTE RESOLUTION SERVICES TO START THE PROCESS OF ARBITRATION. I STRONGLY BELIEVE THAT THIS CASE WILL EVENTUALLY BE PROCESSED IN FEDERAL COURT, *******************. HANK YOU VERY MUCH FOR YOUR ASSISTANCE. Final Business Response /* (4000, 11, 2015/06/26) */ Forwarded Back to BBB this is not rebuttal complaint and mail again response copy to custmer. Final Consumer Response /* (4200, 13, 2015/07/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) PLEASE SEE CASE NUMBER ******** FOR PROPOSED RESOLUTION. I RECEIVED NEW INFORMATION FROM BENEFICIAL FINANCIAL TO ASSIST ME IN OBTAINING MY REDRESS OF $10,000.00 DOLLARS ON JUNE 25, 2015. THEY FINALLY ADDRESSED THE ISSUE IN A LETTER DATED MAY 28, 2015 AND JUNE 19, 2015 CONCERNING OPTIONAL LIFE INSURANCE, OPTIONAL DISABILITY INSURANCE (WHICH WAS TERMINATED ON APRIL 13, 2006, PER MY CERTIFICATE OF CREDIT LIFE AND/DISABILITY INSURANCE SCHEDULE. (THOSE TWO INSURANCES HAD A MAXIMUM LIFE/DISABILITY INSURANCE TERM OF 60 MOS. WHICH I SIGNED FOR ON AUGUST 27, 2001. THE NEXT LETTER RECEIVED FROM BENEFICIAL FINANCIAL I, INC. ON JUNE 25, 2015 IS DATED MAY 28, 2015. THIS LETTER IS STATING AND I "QUOTE"; BASED ON THE INFORMATION PROVIDED BY MS. ********* HER INVOLUNTARY UNEMPLOYMENT INSURANCE KNOWN AS PAYMENT PROTECTION PLAN BECAME EFFECTIVE FEBRUARY 11, 2002." PER PAVONIA LIFE INSURANCE COMPANY OF MICHIGAN, FORMERLY HOUSEHOLD LIFE INSURANCE COMPANY (*********), AS ADMINISTRATOR FOR ***** INSURANCE COMPANY, THIS INSURANCE WAS ISSUED IN CONNECTION WITH MS. *********S CREDIT CARD ENDING 2714. **********, ALSO STATED THAT THE COVERAGE WAS CANCELLED ON AUGUST 3, 2004. I, ********** *********WAS NEVER NOTIFIED OF THIS CANCELLATION UNTIL I RECEIVED THE LETTERS IN THE RESPONSE OF JUNE 25, 2015 FROM BENEFICIAL FINANCIAL I, INC., DATED JUNE 19, 2015 AND MAY 28, 2015. (IT HAS TAKEN APPROXIMATELY SIX MONTHS TO RECEIVE SOME TYPE OF ACKNOWLEDGEMENT THAT I WAS INDEED ISSUED AN INVOLUNTARY UNEMPLOYMENT INSURANCE PROTECTION PLAN). THE LETTER DATED MAY 28, 2015 WAS ADDRESSED TO *************, INSURANCE INVESTIGATOR, MARYLAND****) INSURANCE ADMINISTRATION,****************************************************** "**** WAS A REFERRAL TO ME AFTER CONTACTING MY ATTORNEY HERE IN MARYLAND." I AM NOT CERTAIN IF MR. ************* HAS EVERY RECEIVED THE LETTER DATED MAY 28, 2015, THUS THE LETTER NOR THE INFORMATION WAS EVERY FORWARDED TO ME. I HAVE FORWARDED ALL CORRESPONDENCE RECEIVED FROM BENEFICIAL FINANCIAL I, INC. TO BBB ON JUNE 29, 2015 BY CERTIFIED MAIL. BBB SHOULD HAVE RECEIVED IT ON JULY 2, 2015. "I AM AT THIS POINT REQUESTING CHICAGO.BBB/ADR ARBITRATION COUNSULING AND DIRECTION IN ORDER TO OBTAIN MY REDURESS OF $10,000.00." MY INVOLUNTARY UNEMPLOYMENT INSURANCE/AND DISABILITY INSURANCE WERE CANCELLED ON AUGUST 3, 2004 ACCORDING TO THE CORRESPONDANCE RECEIVED ON MAY 28, 2015. THE PREMIUMS HAVE BEEN DEDUCTED SINCE FEBRUARY 2002 AND CONTINUING TO BE DEDUCTED. (IF ALL INSURANCE CERTIFICATES HAVE EITHER TERMINATED OR BEEN CANCELLED, WHY WERE PREMIUMS STILL DEDUCTED FROM MY MORTGUAGE PAYMENTS ON ACCT NO. ******** FOR "ELEVEN YEARS" AND WHAT HAPPENED TO THE PREMIUMS AFTER THEY WERE DEDUCTED FROM MY MORTGUAGE PAYMENTS ON ACCOUNT NUMBER: ********? THERE ARE NO FUNDS IN MY ESCROW ACCOUNT." I APPRECIATE ALL ASSISTANCE RECEIVED FROM THE BETTER BUSINESS BUREAU OF CHICAGO AND NORTHERN ILLINOIS.

7/30/2015 Problems with Product/Service
7/28/2015 Delivery Issues
7/28/2015 Problems with Product/Service
7/24/2015 Delivery Issues
7/21/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I have had ongoing issues with ****/HFC/HFC Beneficial. 1. I applied for a modification and was rejected for the same income that I had when I was initially approved in 2013.2. I appealed the decision and asked for a payment history of my loan 02/21/2015.3. It has been over 90 days and I don't have the payment history. They keep saying they need more time. How long does it take to print out a payment history. 4. I received a corrected 1098 in the mail with $0 interest paid with no explanation. 5. My loan has been sent back to the bankruptcy department apparently for review and correction of payments ? I have not been in bankruptcy for over three years. 5. My online access is turned off. I am not receiving bills anymore while they have my account back in the bankruptcy department. 6. I can't get any answers as to what is going on and why !7. This makes no sense and why does ****/HFC want to fix payments only after I ask for a history ? Product_Or_Service: second ******** Account_Number: XXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) Permanent mortgage modification approval. Payment history printout. Detailed explanation of what they are doing to my loan and why. I would like to understand why they feel the need to constantly turn off my online access. I am blind and I can payment online best. I can't see to write checks anymore.

Business Response: Initial Business Response /* (1000, 7, 2015/06/12) */ 6/12/15: Mailed response to customer...nothing to BBB due to lack of authorization.crd.vco Initial Consumer Rebuttal /* (3000, 9, 2015/06/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have received nothing in the mail from HFC. They don't want to publish their response and they are not doing the right thing, I have asked for a payment history that I have not received. My account balances have changed with no explanation. HFC doesn't care that they took over three years to correct my account. No explanation, no apology, no documentation. HFC has treated me with such disrespect. No other financial institution has treated me like this since I lost my vision and ability to make a living> HFC must enjoy attacking me and my family. This has been the worst mess I have ever experienced. I am sorry I ever let the con artist loan officer with them talk me into this horrible loan with a horrible company.

7/20/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I had a credit card with **** in default, but I was making monthly payments as agreed. I did fall behind on the payment one month, due to the birth of my triplets. I called the second month a spoke with a woman on the phone. I was told that if I paid the account in full, I would receive the late charge credited back to the account and the two months wouldn't report as late. I was told twice it wouldn't report to the credit bureau as a late payment. I paid the account in full, and was told I would receive a letter in the mail. I did receive a letter stating the late fee was reversed, but it still reported to the credit agencies as late for both months. I was tricked, and lied to in order to get the payment in full. I made a number of calls to **** and wrote letters only to be told they understand what I was told, acknowledge it is in the notes but they cant change the credit reports now. Product_Or_Service: Credit Card Account_Number: XXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) I am requesting that all three credit agency be corrected.

Business Response: Initial Business Response /* (1000, 5, 2015/07/07) */ A response has been drafted and will be sent directly to the customer via standard postal mail.

7/20/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I authorized a Ach payment to go through on March 1. On March 5 that payment went through not once but twice. As a result of this I have incured several hundred dollars of overdraft fees due to the carelessness of your employees. I have had to spend alot of time trying to resolve this issue. At this time it is still not resolved. When I called your company was basically told I would have to prove that the issue was your companys fault. I struggle to pay bills and this has hurt my family greatly. Account_Number: XXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) I am requesting that Hsbc pay 3 months of my house payments as well as compensate me 1000 cash for the time I have had to spend trying to attend this issue as well as the added mental stress this has put on me and my family. They are aware that we recently had a death in the family that also caused hardship.

Business Response: Initial Business Response /* (1000, 10, 2015/04/02) */ Hello ****, HSBC has responded to the customers allegations and I mailed a copy of the response to the customer on 4/1. Thanks and regards, ********** Initial Consumer Rebuttal /* (3000, 12, 2015/04/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is not the first time I have had issues. This company accused me of lying when I called them regarding this issue and would not doanything to stop the second payment Final Consumer Response /* (4200, 18, 2015/04/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have already provided them with a copy of my bank statement showing it went through twicw. They have the date wrong it was March 1 and it went through on the 5th.They requested I resubmit bank statements and Jump through more hoops. I already have,I still want them to provide us with what was asked for. Final Business Response /* (4000, 27, 2015/07/07) */ 7-1-15: Hello*************, HSBC responded to the customer's allegations on 6-3-15 and********** mailed a copy of the response letter to the customer as well. Thanks ***********

7/20/2015 Delivery Issues
7/20/2015 Billing/Collection Issues
7/17/2015 Delivery Issues
7/17/2015 Delivery Issues
7/17/2015 Problems with Product/Service
7/17/2015 Delivery Issues
7/10/2015 Delivery Issues
7/10/2015 Advertising/Sales Issues
7/10/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The company is reporting this account as open and this account has been closed.

Desired Settlement: To update this account as closed and or delete this account.

Business Response: Initial Business Response /* (1000, 5, 2015/06/29) */ Forwarded matter back to the BBB, need an acct #. more INFO... Initial Consumer Rebuttal /* (3000, 7, 2015/07/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) The Account in question is ****** and this number is under Midland Financial and HSBC is reporting this account as open Final Business Response /* (4000, 9, 2015/07/10) */ A response has been drafted and will be sent directly to the customer via standard postal mail.

7/6/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: **** tried to cash a $250 ck. for $2500. They apologized, a day later excepted ck. for $300 after that they returned all checks sent to them. Original ******** in the amount of $35,000 was taken out in January of 2000, by my father and self. Father passed **** on January 23, 2001 I retired due to disability and went from 2 family income to 1 person on disability. 2008 Received compensation for father's death Made several $1,000 to $3,000 payments to **** totaling over $11,000 asking them to be put towards principle, instead they put them in deferred. Sent **** a check for $250. which they tried to cash for $2,500. the next day they received a replacement check in the amount of $300.00 which they did cash. However from that time forward they did not except any more checks, and returned all checks that I sent. Then on April 22, 2015 **** was going to sell my home, I went to the ******** ******* and due to their intervening bought me some time. **** now is offering me a modification, if I give them $666.99 up front, then pay $222.33 a month they will be happy, but I will not. A friend of mine who is a real estate worker offered to try and get me out from under **** by selling my home, only to find That **** wants over $40,000 payoff. I have all the paperwork to prove what I am saying is true, and would be happy to supply you with it. However since I moved in with my long time friend, I have not been able to get new caregivers. But I am sure ***** (long time friend) would be happy to assist me tomorrow.

Desired Settlement: I would like to have the accounting to go back to January 2009 on, and apply the $11,000 plus that I gave them in increments to put toward the principal, and actually do it this time. I would like the amount HSBC charged me for my check bouncing when they submitted electronically for $2,500 instead for the $250 the check was made out for. I would like to receive $275 for every month they refused payment. After this has been done, I would like to know what the actual pay off would be. Then I would be willing to pay the $222.33 that HSBC requested every month until my friend could find a buyer for my home.

Business Response: Initial Business Response /* (1000, 12, 2015/06/22) */ THIS WAS ENTERED AND CLOSED OUT ON 06/22/15, RESPONSE MAILED TO CUSTOMER ON 06/22/15, CRD RYT

7/6/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This bank is trying to harass me for a credit card I did not apply for or receive. This bank has said I owe for a credit card I did not apply for or receive. They called my sister and me and harassed me and tried to set up payments for this card. When I said I don't have a card with that card number and tried to straighten this out, they said I had not "voluntarily" agreed to arrange to pay for this, then they hung up on me twice. What can I do? I didn't use that card or have it. Can I sue them for harrassment? Please help

Desired Settlement: I want them to find out why I am being hArassed by************ holding company about a credit card I didn't. Apply for

6/29/2015 Delivery Issues
6/26/2015 Problems with Product/Service
6/23/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: **** reported on my credit report that the sale of my house at ************************************ was a short sale. It was not. There was a loan modification that I paid in full at the closing so they need to take that off. Account_Number: XXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) I need these taken off my credit report as i am trying to obtain a mortgage and that is affecting my credit. I have all the documentation to support that information. They are incorrect and need to fix it asap. If I can press charges I would do that but I will settle with them just taking it off my credit report.

Business Response: Initial Business Response /* (1000, 8, 2015/05/19) */ The response letter was mailed to the customer directly on May 19, 2015. Initial Consumer Rebuttal /* (3000, 10, 2015/05/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have all the documentation that my loan was paid in full and any late payment was at their request to qualify for the lower monthly payment. ************* signed off on every thing. I have the documentation from my lawyer and HSBC. THis is not okay. I will be contacting the Attorney General if this is not taken care of immediately. It is preventing me to obtain another mortgage after a year of timely payments and paying off all outstanding debt which were the result of a sick child and a divorce. Final Business Response /* (4000, 14, 2015/06/10) */ A response has been drafted and will be sent directly to the customer via standard postal mail.

6/22/2015 Delivery Issues
6/22/2015 Billing/Collection Issues
6/22/2015 Billing/Collection Issues
6/17/2015 Delivery Issues
6/15/2015 Problems with Product/Service
6/15/2015 Delivery Issues
6/15/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I am daughter of ****** ****** has a mortgage account ****** ****** paid on 05/2015 mortgage she has had since 1981. She had paid her bill once was refinance from 75,000.00 to less than 25,000.00 as of 05/23/2015. she call and made arrangements for past due bill for 03/2015. That means she was three payments behind. I made her bill current as of 06/08/2015. We call to make arrangements she has paid for years. Now when she calls she does not get mortgage agents but telemarketers through a Javon Watkins. I called and expect to speak to a mortgage agents for other products but I decided to change my mind. ****** ****** is 94 she has been trust and very good consumer for this company since 1981. My complaint is that she did not get a mortgage agents to view her account but all she received was telemarketers for harassments and constant calls 24-7 and stated on the bill open on Friday until 8:00 pm someone called at 9:00pm concerning the account still a telemarketer not a mortgage agent. The account is not past due because someone had paid it for since 1981. I have not obtain real estate and now concerning first time buyer. I will not be seeking HSBC this is ridiculous and make no since. If I have been paying you and now close to paying the account out but all she gets is telemarketers and no real agent.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Have the company call if her account is so bad and have them discuss payment options if she does not pay at all. But she has always paid. This is nothing but harassments because the company is having financial difficulties or scams. I am not sure but she deserve better than this. No ***** ******* and when she calls the respect but that I think the company has no idea to provide integrity or honesty. I pay the account and now Mrs. ****** deserve the respect!!!!!

Business Response: Initial Business Response /* (1000, 10, 2015/06/02) */ 6/2/15: Mailed response to customer's relative, nothing sent to BBB due to lack of authorization.crd.vco

6/15/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I had my mortgage with HSBC - I refinanced in 2011. I then sold the house in 2014 paying off the balance for the refinance and the amount of the house. IT WAS not a short sale and they put it on my credit report that it was. This is false information that is affecting my credit.

Desired Settlement: I want them to take it off my credit report and provide my future lender with my good payment record and that I was timely from 2011 until the last day i paid my mortgage was always on time.

Business Response: Initial Business Response /* (1000, 12, 2015/06/02) */ A response has been drafted and will be sent directly to the customer via standard postal mail.

6/9/2015 Delivery Issues
6/8/2015 Delivery Issues
6/2/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Problem date September 19,2005 Account# XXXXXXXXX payment amount 592.52 payment method 592.52 post office money orders with certified mail receipts.Other specific details of complaint: We recei ved a letter mailed from HSBC Mortgage Services, September 20,2005- deferring (09-19-2005) loan payment to end of loan due to hurricane Katrina,and Rita. Next payment due (10-18-2005)Was mailed to HSBC with post office money ordereceiv via certified mail return receipt.We paid (11-18-2005)payment,(12-18-2005)payment the same way as listed above.We received billing statement and coupon for (12-18-2005)for payment(01-18-2006)In other words starting with (01-18-2006)payment.We have been receiving the incorrect billing statements and,coupons for the wrong month and due date.Also have been charged excessive late charges.This billing method has been going on until the last billing statement and coupon we received (03-06-15)for April 18 2015 payment sent from HSBC (March 18,2015)billing statement and coupon.We have all of our post office money order receipts and,certified mail return receipts from when we were transferred from Household Mortgages Services an Affiliate of HSBC to HSBC Mortgage Services.First payment was due (October 18,2004)payment.

Desired Settlement: We need an honest and correct itemized statement with the correct balance on this loan showing us what we paid,and what we owe.

Business Response: Initial Business Response /* (1000, 5, 2015/04/21) */ MAIL RESPONSE COPY TO CUSTOMER...04/21/15 KAH.. Initial Consumer Rebuttal /* (3000, 7, 2015/04/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) As of tuesday (04-28-2015)we have not received in the mail a response from company.As they stated it would be on (04-21-15)We did not receive a response at our home address or post office box.The Company is unsatisfactory when it come to resolving our complaint within(10)days which ends for us on(05-02-15 saturday) We are not satisfied with the companys effort to response to our complaint.Sending copies or receipts or evidence to prove our complaint true has been done in the past.It was a waste of time with this company.The company has been given us a hard time for a very long time.We doubt that this company will do the honest and right thing.Communication with this company has been futile.Our hands are tied when it comes to these types of companies billing and collection practices.They are determine to do what they want to do,because they have the Goliath attitude when it comes to their customers.We hope the complaint that we submitted to the BBB will be publicly posted on their website for all of their customers and others to see.We are sure that we are not the only ones that this business have taken advantage of or deceived in the past,and will continue to do so in the future.This complaint is a truthful account of our experience with HSBC Finance Corporation. Final Consumer Response /* (4200, 14, 2015/05/15) */ (The consumer indicated he/she DID *** accept the response from the business.) Our review of the business HSBC ******** Services Response in the letter dated(04-21-15)is that our complaint has not been resolved.We received the first response to our complaint on(04-28-15)A letter dated(04-21-15)From HSBC Bank USA NA PO Box **** ********** XXXXX.We received payment history from(01-18-03)(03-18-15)What we paid and what we owe.Payment(09-18-05)was deferred(09-19-05)(512.07)Deferred Interest Balance(512.07)Deferred(1)one payment.Another deferred payment(08-26-08)(592.52).On(07-17-08)Lender paid county taxes(1,270.20)Realestate deferred interest balance(512.07).Another payment was deferred on(09-26-08)(09-28-08)payment to principal.Refund lender taxes real estate on(04-02-09)This is encorrect we were tax exempt and always paid our own taxes.Payment(592.52)(08-18-08)was missing from the itemizeds statement,We paid this payment and HSBC received on(08-25-08)via certified mail return receipt.(08-18-08)payment return receipt certified card got lost somehow in the mail,we received the receipt on(01-05-10).Getting back to the so-called real estate property tax advancement of(1,270.200)on(07-17-08)Stating the advance was amotorized(or to pay off gradually)over(12)twelve months increasing monthly payments from(592.52)To(698.37)effective(08-18-08)payment.We send copies of our Real estate tax transaction information to **** tax department 636 Grand ******* ************ FL XXXXX via certified mail(11-17-08)Information was also sent to HSBC Mortage Services Property Tax Department P O Box ************* CA XXXXX-XXXX from the city of New Orleans Tax Office.We obtained a copy of check number(30508444)system expense check dated(07-17-08)for(1,270.20)Send to New Orleans Department of Treasury which was returned to HSBC Mortgage by New Orleans Tax Department of Treasury for year 2008 Taxes.The real estate Tax bill was(1,095.08)(Tax#XXXXXXXXX)We ended uppaying due to tax exemption(95.08)(01-31-08)by check number(2642)a partial payment.The partial payment was processed on(02-04-08)Once the homesteadexemption is processed a balance of(93.15)will be due to the city of New Orleans.The bill was to have agrace period for payment of (15)fifteen days whereby there will be no penality or interest accrued this process was to take(6)six months.We received a letter dated(07-21-08)The original Real estate Tax Bill was submitted to Louisiana Tax commission and approved and delivered to the bureau of Treasury whereby the original 2008 bill(1,095.08)was voided and a new bill was issued in the amount of(188.23)Unapplied funds were added by HSBC for(11-22-08)(105.85)To(592.52)to make a complete payment of(698.37)This payment was posted toward our(10-18-08)obligation HSBC stating that the payment was more than(15)fifteen days delinquent a(25.00)fee was assessed in accordance with copy of enclosed (Note)dated(11-07-02).HSBC also stating in this letter dated(04-21-15)That our account remained once a month in arrears since this time with each payment posting toward the previous due date resulting in a late fee accrual the evidence stated above disputes paragraphs to and three of this letter(04-21-15)Resolution from HSBC Mortgage Services.Once again HSBC Mortgage Services is trying to make it look like we are a month behind on our payments since after Hurricane Katrina and,Rita in(2005).The letter dated(04-21-15)in response to resolution from HSBC statesthat our account is currently due for (04-18-15)payment in amount of (592.52)This is incorrect(04-18-15)payment was received by HSBC via certified mail Return receipt on(04-05-15).HSBC posted this payment for March 18,2015 payment on(04-06-15)(03-18-15)payment was received by HSBC on (03-06-15)We were also given a fee totaling(1,524.98)on our account.The letter from HSBC dated(04=21-15)also stated that payment due for(04-18-15)payment plus late fees,totaling(2,117.50).HSBC also stated our monthly statements are correct.Since then we have paid(05-18-15)payment as of(05-04-15).Our next current payment is(06-18-15).We received this payment with(05-18-15)statement and coupon from HSBC and,an over due balance of(2,710.02).We need to know where this balance came from.Furthermore the complain has not been resolved HSBC Mortgage Services business practices continues and has never stopped.More recent with their last response a letter dated(05-05-15)that we received on(05-12-15)with the wrong information saying we owe for(04-18-15)payment.We would like BBB to provide a final resolution to this matter.We will need to contact our case worker concerning mediation.OUr account is truthful about HSBC Mortgage Services and we have years of evidence on file to prove their dishonest business practices. Final Business Response /* (4000, 18, 2015/06/02) */ 6/2/15: Mailed response to customer, nothing sent to BBB due to lack of authorization.crd.vco

6/2/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: see Attached document
Click Here to Get the File
https://odrcomplaint.bbb.org/bureaus/files/complaints****************** vs HSBC Bank.pdf

Desired Settlement: DesiredSettlementID: Other (requires explanation) see Attached document

Business Response: Initial Business Response /* (1000, 5, 2015/05/15) */ response sent to client 5/15.

6/2/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: We are trying to refinance our home for a lower interest rate. When we called for a payoff it was around 185,000 that was 30 days ago approximately now as of yesterday it is 202,000 how can they charege us what they feel like just becuase we are paying off the loan. They never send a statement they only sent us a letter of where to send out monthly payment, and there is no where on line where we can see where our money is going. At this rate we will never get our home paid off.

Desired Settlement: We would like for them to honor the payoff without all the access fees that they have no right to add. The pay off should be accoring to the payoff they sent yesterday before the additional fees that are not detailed as to what they are for is $184,307.38 so that we can refinance our home. This is not the first complaint we have been told about with HSBC but this is the first issue we have had in being told one thing and now being given something else.

Business Response: Initial Business Response /* (1000, 7, 2013/09/26) */ The complaint was mailed to customer.... 9/26/13 Final Consumer Response /* (3000, 39, 2013/12/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) No need to continue with this not satisfied they are crooks stealing money will give to attorney Final Business Response /* (1000, 37, 2013/12/16) */ XX-XX-XX: Hello ****, On 12-13-13, we responded to the complaint and V. ***** mailed a copy of the response letter to the customer on 12-13-13. Thanks *** ******

6/2/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I writing you today to lodge a formal complaint against ******* *** for an 2012 acquired HSBC debt that was re-aged by HSBC in 1/2007, when it was acquired from ******************.This creditor placed marks on all 3 of my credit reports without proper notification,as I received no dunning notification per required by the FDCPA legislation.Credit reporting is considered collection activity.When I attempted to send debt validation to the address they provided the notification was sent back to me with no validation.This company has listed this re-aged debt on all 3 of my credit reports,with false information,balances and dates when it should have been permanently removed 7/2007, as it was charged off 7/2000.However, all companies reporting this re-aged debt have the same address identification number. Additionally,the "original" debt has been deleted from reports which in turn should allow credit reporting agencies to delete any collection accounts,however several collection agencies had been reporting on this debt but have since been deleted after investigation. After providing 38 documents to ********** dated from 2000-2013, this re-aged debt has been deleted. I am still working with ******* and ************* requesting your office look into these allegations and help me procure a deletion from ******** and ******* until this company can successfully validate my debt as they are mandated by law to do.I'm considering legal action against ******* *** and HSBC Bank,however I felt compelled to urge your office to help me in my crusade to remove ******* *** and HSBC and reestablish my name and credit.Their inability to provide validation and their intentional act of misleading their reporting should be enough to sue them and should be enough for your office to force their compliance in this issue.I hope you can help me out in this matter,as I've been punished long enough for being irresponsible 13 years ago and have had no credit since 2000.I appreciate your time and effort. (Complaint has been transferred from ******** ********.)

Desired Settlement: DesiredSettlementID: Other (requires explanation) DesiredSettlementID: Other (requires explanation)Any and all trade lines to all credit reporting bureaus to be permanently deleted, any and all further collection efforts to stop and prevention of this 3 times over re-aged debt from being re-sold again and again to any companies and their affiliates.

Business Response: Initial Business Response /* (1000, 5, 2013/12/11) */ Contact Name and Title: ******** ****** Officer We have received Ms. **** ********'s communication. A written response will be issued directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you. Final Consumer Response /* (4200, 20, 2014/01/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) The letter has been received. Again, this is the same letter I have received from HSBC, ******** ******** Bank, and all of their numerous affiliates, each time I have requested validation of this debt. What has been provided is not validation. It is a run around scam. After years of asking for validation of this debt, I have over a dozen of this same exact letter, "company's response", including several from ******* - the company this debt was "sold to". This was originally a "charged off" debt, that occurred in 2000, 14 years ago. This debt was re-aged in 2006 and was being reported by HSBC, ******** Bank and numerous collection agencies. False information, false amounts, false dates, false payment history, false payments made, new account numbers assigned to this debt with each company, however the "address identification number" that shows on all credit reports shows, this is a re-aged debt with false information reported every month to credit bureaus. These companies went as far as adding this tradeline to my husband's credit reports with some showing the same account numbers, some newly made account numbers, however still maintaining the same "address identification number" for the debt. However, on my husbands reports it shows, debt-paid as agreed, account closed, balance $0. Its all in black in white on both of our credit reports for the last 14 years, and it is very obvious that many US laws, regulations, acts, and ** laws and regulations have been violated for years. Even though HSBC has responded with the same letter I've received for years, HSBC has deleted the illegally re-aged debt from my credit reports within the last few weeks. The kicker here is that I have never had an HSBC credit card, a card issued or backed by HSBC, nor have I ever had a credit card from ******** Bank. I have all the proof I need now, including this last letter from HSBC, refusing to validate a debt when requested while reporting false information on my credit profiles each month for the last 8 years.....numerous violations, which are $1000 each, to be awarded to me when we go to court. I am retaining my family lawyer in this case and will pursue case against HSBC, ******** ******** Bank, and any associated affiliates. I am also contacting my ***** Attorney General, including Governor **** ***** and will be providing all credit reports for last 14 years, certified stubs and receipts of each time I requested validation of the debt, all correspondence, this complaint along with several others and the run around I've received for years with all these companies. This is highly illegal on so many levels and it is about time to take this to court. See you there! Final Business Response /* (4000, 18, 2014/01/27) */ Please allow 3-5 business days for the arrival of our letter sent January 21, 2014. Thank you.

6/2/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I have been a customer of HSBC for over 15 years. In January I noticed an unauthorized purchase of 350.70. I immediately contacted the bank while the purchase was still pending and demanded they stop payment and changed my credit card. The branch manager assured me I was not liable and would receive 100 percent reimbursement. After speaking with their fraud department they said that the merchant had all the correct information from me and they have concluded this was authorized. I was never reimbursed and lost 350.70. I felt violated enough being a victim of fraud but not having your bank support you and pretty much tell you they don't believe you is disgusting. The costumer service was disgusting and I would never recommend anyone keeping their money in this institution.

Desired Settlement: DesiredSettlementID: Other (requires explanation) 350.70

Business Response: Initial Business Response /* (1000, 10, 2014/04/21) */ We have received Mrs. **********'s communication. We will respond directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you. Initial Consumer Rebuttal /* (3000, 12, 2014/04/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) This has been ongoing since January 21, 2014. I filled out all paper work, signed an affidavit saying I DID NOT AUTHORIZE any purchase made to neversoldout.com I also informed the bank immediately when this purchase was pending on my account. I was told the merchant had all my correct information and therefore I was sent a letter saying HSBC has determined that this was authorized. I was not given any documents to explain how this came to pass. My signed affidavit has been ignored. I was never given any concrete explanation other than "the merchant provided us the correct information we have on file from you." What does that even mean? I am not at all satisfied by this response and again feel I was not given any concrete information or documents determining how they can prove I AUTHORIZED THIS PURCHASE!" Final Business Response /* (4000, 22, 2014/05/13) */ We have received Ms. **********'s follow-up correspondence and will respond within 10 business days. We will notify Ms. ********** directly if additional time is needed. Final Consumer Response /* (4200, 16, 2014/04/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was contacted by the bank. They have told me they have found the IP address is in the vacinity of my area and under my optimum provider. Therefore they should I should speak to the members in my household to follow-up this purchase. Again my husband and I did not authorize this purchase. I called as soon as I saw it pending, requesting them to block this payment! I cancelled my card immediately! I do not care if this purchase was made on my block or in my home, it was not authorized by my husband or myself. I still have not recieved these documents to prove this. When I do recieve them I will report this to the police because it is a criminal matter. If someone does have this personal information about my family I need to get to the bottom of it because I am not protected by my bank! Below is what I copy and pasted from there policy online, which they did not stand by! While we go to great lengths to prevent fraud, no security system in the world can stop it 100 percent of the time. If we confirm unauthorized charges involving your account or if you report them to us, we'll take necessary steps to limit the amount involved and minimize any disruption to your normal account activities. For example, we may: Block certain transactions Temporarily suspend your account from further use Close your account and open a new one for your use 100% coverage guaranteed. In the event of fraud, you won't be held liable for any unauthorized charges to your personal HSBC bank account or credit cards. Our $0 Liability, Online Guarantee provides 100 percent coverage for monetary losses on transactions you haven't authorized.**

6/2/2015 Delivery Issues
6/2/2015 Delivery Issues
6/2/2015 Advertising/Sales Issues
6/1/2015 Delivery Issues
5/27/2015 Delivery Issues
5/26/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Dear Sir, Ma'am, My name is ***** ****** and I'm writing this grievance to you in reference to my mortgage company (HSBC Mortgage Services). When we (my wife and I) first got this loan on our home, we knew it was an adjustable rate mortgage. This was in 2002. As time went on, 4 different mortgage companies bought this loan. We ended up with HSBC and they became a problem. In 2008, our payment had gone up to $1400 and $1500 per month. We continually to ask for loan modifications because we were disregarding other creditors just to keep up with the loan payment. Finally they worked with us and modified the loan for 6 months. It only lowered the payments about $500 dollars, but that was better than before. Before that modification ended I tried to apply for another modification but was told I had to wait until the current one has ended. We applied for another one and was approved for another 6 months. Later in 2009, I was called to active duty to go to Afghanistan. This helped because of the SSCRA (Soldiers' and Sailors' Civil Relief Act). If this is unknown to you, it's when all creditors have to bring their interest rates down to 6% or less until we return from duty. Because of this, our payments went down to $668.17 per month although we were still in the interest only period. Since my wife wasn't on the loan yet, they wouldn't conduct any business with her. She had a Power of Attorney from me but they still denied her. While I was in Afghanistan, We sent extra monies to HSBC for payment towards the principal on the house. For some reason they took the extra monies and put in an account called unapplied funds which we never signed up for or heard of. After a while I noticed those funds started diminishing. When I called, I was told the money went to the interest that we had fallen behind in. Apparently they were recouping the interest that they couldn't charge because of the SSCRA which was illegal. In 2010 I was injured and was medevac'd back to the US where I had to undergo surgeries and physical therapy. In November 2013, I was Medically Retired at a 90% disability rating which I could not return to my employment due to injuries. I requested a modification at that time again and was told I didn't qualify. Since we could not work things out with HSBC, we applied for a Chapter 7 Bankruptcy. While going through that, our attorney along with myself contacted HSBC on several occasions to try to obtain a reaffirmation agreement. We kept being told that their attorney was preparing the papers and would send them to our attorney. This went on for about 6 months or so and the case was finally discharged. After the discharge, I was finally able to speak with someone about keeping the house which was the original plan. I was informed that I would need to apply for a modification. I relayed to them that I wanted more than a modification every 7 months. I asked could we come to an agreement or to reaffirm a better offer than they had made. In order to do that, I would have to hire another attorney to apply for one. I asked why didn't they respond to the attorney we had during the bankruptcy case who wanted to do that very thing. They state they don't know what happened during that time and the discharge had gone through, so we needed to get another attorney to negotiate a reaffirmation. I will be attaching correspondence between our bankruptcy attorney, HSBC, and myself during the process. After you review this information, I would like to hear from you as to how or if there are other avenues I can take that will be to my benefit. Also, I'm sure you already know but I do have the option of just walking away from this property without repercussions of any sort at this time. Overall that's not what we want to do. We would like to remain here as long as a decent agreement can be made. Once again, we are seeking advice from your company. Thanks ***** ******

Desired Settlement: To come to a middle agreement to satisfy both parties involved.

5/25/2015 Problems with Product/Service
5/22/2015 Delivery Issues
5/22/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Last February, my father, ******* M. *******, received an IRS Form 1099, in my name as Debtor, addressed incorrectly to *** ***** **** ******* and eventually delivered to his correct address at *** ***** **** ******* This is not my address as I do not live with my father. The Form 1099 indicated a Credit Loan in the amount of $6,087.08, had been discharged and I would be required to report it when filling my 2014 IRS Tax Return. My employer does not allow me to make personal calls during business hours so I authorized HFC in writing to discuss this matter with my father. They confirmed the loan was originated during the 1980s, had no documents to verify the signatories and several addresses in MA that I never received their mail at. I advised there were problems during the 1980s with a family member using my SSN to obtain credit without my knowledge. On 02/23/2015 I sent a Certified Mail to HFC to confirm the facts that the loan was not mine and I needed a corrected Form 1099 so I could file my taxes without paying a penalty for the Miscellaneous Income on their Form 1099. HFC's agents neglected to sign for my Certified Mail and it was returned to me unopened. At their request additional information was faxed to them on 03/15/2015 and 03/26/2015. Shortly thereafter my father called to get the corrected Form 1099 so I could file my taxes. They advised my father he would have to provide a copy of the police report that was filed during the 1980s. In turn he advised that it was impossible as he had no recollection if, where and when, anything might had been filed. HFC refused to send a Corrected 1099 and I had to file for an Extension as I could not afford to pay the additional money required by their erroneous Form 1099. HFC has no proof of my debt, has no documents as to who signed for a loan and no Deficiency Judgment from a Court of Jurisdiction. This is harassment as they only have my SSN which was used without my knowledge, yet they cannot verify who signed the note or other documents. Product_Or_Service: None Order_Number: N/A Account_Number: XXXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) Send a Corrected 1099 that negates the $6,087.08 in Miscellaneous Income I would be required to report.

Business Response: Initial Business Response /* (1000, 13, 2015/05/19) */ 5-19-15: Hello ****, HSBC has responded to the customer's allegations and K. ****** mailed a copy of the response letter to the customer as well. Thanks M. ******* Initial Consumer Rebuttal /* (2000, 15, 2015/05/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) The business issued a corrected 1099 with a zero balance. I can now file my amended 2014 IRS Tax Return without the erroneous 1099 Miscellaneous Income. Thank you once again to the BBB for helping a consumer.

5/19/2015 Delivery Issues
5/18/2015 Delivery Issues
5/18/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: HSBC advertises 25,000 reward points for spending a given amount in the first three months after having your card issued. As an international customer I never received the card they issued due to mailing problems, card was never ACTIVATED. I had to cancel this card and was issued a new one. This second card was ACTIVATED, and I spend a lot more than required to have the reward points within the three months period starting in the issuing of the second card. Nonetheless, HSBC refuses to credit the points that they advertise because they consider three months from the first car issued, the one that was voided and never got into my address. I have been trying to resolve this for more than a year with the Premier Customer Service with no success. Product_Or_Service: Rewards points

Desired Settlement: DesiredSettlementID: Other (requires explanation) The least I expect is to get the 25,000 points that I qualified for and some complimentary benefit for having to wait over a year and losing several hours discussing this matter.

Business Response: Initial Business Response /* (1000, 5, 2015/05/06) */ response sent to client 5/6/15.

5/15/2015 Billing/Collection Issues
5/11/2015 Delivery Issues
5/11/2015 Advertising/Sales Issues
5/4/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: on 3/2/15 I recieved from my bank that my checking acct. is in NSF. I looked into this and found that my mortgage company has withdrawn more than one mortgage pmnt of $424.00. We have had an agreement with HSBC for the last 15 years that they could withdraw every other week the amount of $424.00 to make the mortgage pmnt. I called HSBC on 3/2/15 and spoke with a ******* & explained that they withdrew an unauthorized amount of 424.00 twice, she said there was nothing they could do. I called back later that same day & spoke with **** & he also looked into this & stated that it was their fault and that I would need to fax in my bank statements showing the unauthorized pmnts which occured on 2/2/15 then again on 2/4/15 with a check # 201 for $424.00. On 3/9/15 I spoke with ******** to see if they received my fax and he stated no to just fax again. Did so the next day. called on 3/9/15 and spoke with **** who said that this double unauthorized pmnt was their fault and they had a clitch in the system and I would be refunded both pmnts and the NSF fees. 3/12/15 ******** expidied to have refund sent by ***** as because of this screw up on HSBC'S fault,we were left with no money in our checking acct. My HSBC Acct. # XXXXXXXXXX. On 3/18/15 spoke with ******* that no refund, as I supposedly authorized this. That is a flat out lie. I only spoke with them on 1/16/15 and then again on 1/30/15. At no other time did I call them. On 3/10/15 **** also stated that she was sorry we were in this mess because of the clitch and that we were'nt the only ones. So all because of this screwup with HSBC we have been behind on all our bills. we are really living from paycheck to paycheck. I would really like to have this looked into.

Desired Settlement: I want those unauthorized pmnts refunded along with all the NSF fees that occured because of this clitch. On 2/4/15 HSBC check # 201 $424.00 On 2/17//15 another HSBC check # 213 for $424.00 On 3/3/15 HSBC check # 227 $424.00 plus a stop pmnt fee of $30.00.

Business Response: Initial Business Response /* (1000, 8, 2015/04/20) */ Sent RESPONSE copy to customer...4/20/15.

5/1/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: about 2 years ago I fell behind on my property taxes I made arranagemnts with the tax department on an agreement. HSBC contacted me needing me to send the arrangment. I faxed the info over and never heard anything. About 3 months later my payment went up I called and found out they paid the taxes by mistake. So the manager allowed a 3 year program and my payment was 1177.95 went to 1224.99. I paid this for almost 2 years then for some reason the extra payments started to go to past due late fees I was told as long as I was making the extra payment HSBC would decide where it went. So I keep paying for months later. Then I get a letter saying my payment is going up again for the past due taxes. I call and the rep told me that my next payment would pay off the late fees and the extra payments would then go back to my back taxes and if my payment would go up anymore than what I was already paying they would send me another letter. Never got a letter that my payment would be going up more then in Jan it went up 23.50 so I call they girl was suppose to correct it and they agreed I could keep paying the 1224.99 a month. She sent a request for the to refund me the 23.50 never got that then the next time they overchared me again. They finally got my payment right but refuse to return the $47 overpayment

Desired Settlement: DesiredSettlementID: Refund I want my refund of the overpayment they took 2-15-15 or 636.01 when it should have been 612.50 overpayment of $23.51 and then onl 1-28-15 payment of 636.03 payment should have been 612.50 overpayment of $23.53 for a total due back of $47.04. I did not authorize those two payments I only authorized 612.50 to be deducted every two weeks for the payment of 1224.99 a month. Nor did I get a letter stating what my payments would be so I was told it would remain 1224.99 once the last late fee was pd

Business Response: Initial Business Response /* (1000, 10, 2015/03/12) */ Hello ***** HSBC has responded to the customers allegations and ********** has mailed the response to the customer. Thanks and Regards, ~ ******* Initial Consumer Rebuttal /* (3000, 12, 2015/03/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) In Jan 2014 I called in to make my payment they advised me my taxes were paid in full and only needed to pay the $1177.95 I agrued and said I didn't think so I called twice and got the same answer. It wasn't until later I found out ever time I called in they advised me incorrect. Again your CSRs errors. I finally got someone who told me the right info and got set back on the the right payment plan. However they didn't put it towards my taxes they put it towards my late fees again not my fault I was trying to do the right thing and again a CSR made the mistake. When I got the letter in Nov 2014 I called right away PLEASE LISTEN TO ALL THESE PHONE CAlls they were recoreded and you will see how every CSR advised me incorrect. She told me not to worry because the late fee would be paid next payment and it would then go to my taxes and it would probably be ok. If the payment would go up more than the 1224.99 I would get another letter and I never did. I didn't get my bill until that the amount was already taken out twice in Jan and Feb my bill came in March. Look at the letter you sent me it shows March. By that time two payments in Jan 28, 2015 was already overdrawn by $23.50 I called on that day also PLEASE LISTEN TO THE RECORDING!! She told me she fixed it and it would $612.50 the next draft and they would refund me the $23.50. Again your CSRs mistake. Then it happens again on Feb 16, 2015. Finally I get someone who made my account correct and advised me I would get $47.04 PLEASE LISTEN TO THE RECORDING!!!. Again this should be all recorded so you can continue to see I was mislead, told incorrect information, never told what my new payment would be I was under the impression the $1244.99 would continue to be the payment as it should have been and should be refunded my $47.04. I only agreed to pay the $612.50 on the 28th of the month and the 15th. Final Consumer Response /* (4200, 18, 2015/04/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) They totally missed the complain and just gave a long letter avoiding compla7 Final Business Response /* (4000, 20, 2015/04/17) */ ************** mailed response to customer on 4/17/15, as there was no authorization received from the BBB.crd.vco

5/1/2015 Delivery Issues
4/28/2015 Delivery Issues
4/28/2015 Advertising/Sales Issues
4/27/2015 Delivery Issues
4/27/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I fell behind in my payments while on active duty and was not aware of the SCRA ACT of 2004 offered by my other creditors and do not understand why *********** has not offered me this but yet will not assist me with the account, I have tried to save the account numerous occasions again no one would help me in your customer service center. I became very frustrated, this is very disturbing. Thank youA1C ***************Active U.S. Air Force National Guards***** Oaklawn RoadJacksonville, FL 32218

Desired Settlement: DesiredSettlementID: Other (requires explanation) The opportunity to resolve my account it should have not been closed while I was away on active duty orders . Very unfair to me that my rights were violated

Business Response: Initial Business Response /* (1000, 5, 2015/04/15) */ A response has been drafted and will be sent directly to the customer via standard postal mail.

4/20/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I am POA for my father ****** and also my Mom ******.And my Dad passed away on Feb 24th 2015 from lung cancer and my Mom is in a nursing facility for rehab and her mind isnt clear so tend their affairs for them now.Contacted Beneficial cause my parents have a 1st and second mortgage with them and have been cheated by them in the past yes my Mom gets confused and think they knew it and totally took advantage of it kept telling her she didnt pay this payment and taxes when we claerly knew she paid the taxes for sure but my sister in law got that straightened out for her anyway my point contacted them cause death insurance for my Dad threw them she pays $52.19 month first off they gave me hard time about the POA papers had to fax twice and still not heard if they accepted them or not then sent copy of death certificate last week as per requested by them got confirmation they recieved all this and also talked to repersentive from there and she assured me they would stop my parents monthly payment of 819.82 from coming out of the bank had plenty of time too.And today find out from my bank they took it out and the life insurance for my dead DAD... So tried calling got machine saying their down for 2 hours or more I think this stinks that they can lie to your face and have no consciquences for them actions poor business practices we are going threw an emotional time and mom on limited income now even less due to them taking out a payment for a loan that should be paid off and also charging insurance for a dead man.PLEASE I compell you to do something about this and make them refund her money into her account and close out the mortgage like they should do thats what you buy and pay insurance for isnt it? I have complied gave them any and everything they ask for to be lied too and cheated.......... Sincerely **** ***** poa /son for ****** and ********** **** US Hwy 50 W ***********. ***** won't let me post account number. Account_Number: ********** ------------------------------------------------ Re: BBB Complaint Case# ******** (Ref#36-4757-********-11-320) 1 message ************* <***********@gmail.com> Mon, Mar 30, 2015 at 11:59 AM To: "Better Business Bureau (Do Not Reply To This Email Address)" No we have not heard from the HSBC finance company concerning the payment they took out we got a letter dated two days prior to them taking the payment out of our account stating we had requested the automatic payment to be stopped so they knew just continued to take it out anyway..My mom is old and not in good health and don't think any company should be allowed to treat her or anyone like that..Please keep us informed thank you and hope you can help us. The ***** Family

Desired Settlement: DesiredSettlementID: Refund I want them made aware that honesty is the best policy and warn others of their tactic and a full complete refund of the amount due my Mom with a paid in full on the large mortgage balance..

Business Response: Initial Business Response /* (1000, 13, 2015/04/09) */ 4-9-15: Hello ****, HSBC responded to the allegations and M. ****** mailed a copy of the response letter to the customer as well. Thanks *** ******

4/20/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: In January of 2015 HSBC sent a letter stating they have gone through their records and that I owe them for not having home owner's insurance for the month of October 2013. They charged my account for a little over $400 for that one month. The proof that I had insurance was faxed over in October 2013 by my insurance company when HSBC called them directly. The proof provided showed I was covered from September 2013 through August 2014. I again had the insurance company fax over the same paperwork in March 2015.A representative confirmed the paperwork was received and the account would be corrected and insurance charges taken off of my account.I have made my monthly mortgage payment (principle + interest)and some of the funds have been misapplied to the insurance charge that is in dispute after I instructed representatives not to do so. I have repeatedly explained the situation to every representative I have spoken with and I have been told many excuses of why no one can help me:1. That is a different department2. You need to call the Insurance department3. It is a 3rd party vendor4. Why did you pay the insurance charge if you are disputing it5. I can't help you, you need to pay it then dispute the chargeThere have been more than 20 calls made to me to collect but no one will help me correct the account after I have explained over and over again the situation. After the initial confirmation the paperwork has been received no one will verify the paperwork has been received by the correct department and the credit to my account is in progress.No one will help me and they are reporting delinquency that will be erroneously be reported to the credit bureaus. Product_Or_Service: Mortgage Account Account_Number: **********

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want my account corrected and I want the harassing phone calls to stop for money I do not owe.

Business Response: Initial Business Response /* (1000, 8, 2015/04/09) */ Hello ****, HSBC has responded to the customers allegations. I mailed a copy of our response to the customer Wedensday April 8th. Thanks and regards, *******.

4/20/2015 Delivery Issues
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4/13/2015 Problems with Product/Service
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4/6/2015 Delivery Issues
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4/6/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Approximately 27 years ago we had a loan for our house. We were never notified of a lien. And after cntacting the county they had us check http://searchiqs.com/ and see if a lien showed up. They also said if not a lien was never filed. After us and ************* contact HSBC, they said they have no record of a lien, but, it would taken 4 to 6 weeks before they could send out a letter stating this. Due to us trying to get our home re-financed now because of this we are probably going to have the interest rate go up. Since this is HSBC's fault I fell this should not happen and I should have the release of lean immediaely. I didn'twait 4 to six weeks to pay them when we had the loan. Since this is there mistake it should be taken care of immediately.

Desired Settlement: Want a release of lean before the interest rate rises again. They need to send it immediately not 4 to 6 weeks from now.

Business Response: Initial Business Response /* (1000, 8, 2015/03/24) */ Hello ****, HSBChas responded to the customers allegations and R. ****** mailed a copy of the response to the customer on 3/23. Thanks and regards, ********

4/1/2015 Delivery Issues
3/31/2015 Problems with Product/Service
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2/20/2015 Advertising/Sales Issues
2/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Mortgage held on property at *** E. ********* Road, ************ ** XXXXX in the names of ******* G. and ***** A. ******. Mortgage was originally obtain in August 2007. It turned out that the ******** was a sub-prime loan (of which had knowledge!). We found that out when we decided to sell the property because of their continued refusal to work with us. The property in question was sold in August 2013 and the mortgage satisfied. My complaint relates to the fact that Beneficial/HFC continues to report the mortgage as open and 60 days late on all three credit reports and because of that it is keeping us from being able to obtain a mortgage to buy another home.

Desired Settlement: Report the mortgage as paid in full and remove derogatory information from ******* G. and ***** A. ******'s respective credit reports.

Business Response: Initial Business Response /* (1000, 8, 2015/02/06) */ Hello ****, The customers allegations were answered to and HSBC's response was mailed to the customer on 2/6/2015. Thanks and regards ********

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1/2/2015 Advertising/Sales Issues
12/29/2014 Problems with Product/Service
12/22/2014 Delivery Issues
12/22/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: was paid over three months back and i dont have the title for the motorcycle account# XXXXXXXXXXXXXXXX i paid the account off in full over three months back to **** funding LLC / ********* ******* services LP i would like the TITLE FOR THE MOTORCYCLE / help with reciving the title

Desired Settlement: I WOULD LIKE THE TITLE

Business Response: Initial Business Response /* (1000, 10, 2014/12/04) */ In order to help us find the lien release, please provide a copy of the Paid in Full letter as well as the information on the Bike (***, Year, Make and Model). Once we have all this information, we will be able to try and locate this for you. The information can be attached here, or sent directly to our office via email at *********************@us.****.com or via fax at XXX-XXX-XXXX. Initial Consumer Rebuttal /* (3000, 12, 2014/12/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) It was sent to you but I will send it again hopefully you can hit it right this time What address will I send it to this time Attention who what name Do you have a fax number Final Business Response /* (4000, 14, 2014/12/09) */ The information can be attached here, or sent directly to our office via email at *********************@us.****.com or postal mail at **** Bank USA, NA Attn: Customer Relations, PO Box ***** ******** ** XXXXX. Additionally our fax number XXX-XXX-XXXX is a direct secure fax to the Customer Relations Office, no attention is needed.

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11/10/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I pay this loan by automatic debit from our checking account. We have had this arrangement for several years. There are no gaps in our payment, and the amount is automatically deducted from our checking account.For the past four months we have been receiving late notices and notices that late charges have been applied to our account.We have talked to two representatives who promised that this was cleared up, but it continues.On July 18, 2014, we spoke with someone named ************ (# XXXXX), who promised that the necessary fix had been applied, and that our account would show the correction by July 28.It is Now August 25, 2014, and we have received yet another late notice and notice of late charges applied. Product_Or_Service: loan Account_Number: XXXXXXXX

Desired Settlement: DesiredSettlementID: Refund I would like to have written confirmation from the company that the problem has been resolved and will not recur. I would like a written accounting from the company of the late charge reversal and reversal of any interest that accrued as a result of the late charges.I would like written confirmation from the company regarding any reporting to credit bureaus. I have wasted two hours on the telephone with representatives of this company who promised to fix this problem. No more phone calls.

Business Response: Business Response /* (1000, 15, 2014/10/21) */ A response was mailed to customer on 10/20/14... Consumer Response /* (2001, 22, 2014/11/10) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated: The company responded to the complaint and admitted that their computer system was at fault. I have not received a clear accounting of what happened to the late charges. The payment amount has been varying by several dollars each month, which is something new. It is not pleasant to know that their computer system is making mistakes. I will have to watch this for some months to come.

11/10/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: HSBC billing statment says: "If you submit funds that are in excess of your total amount due, we will apply the excess funds toward your principal balance." However, when we made a large payment (nearly double the amt due) in June 2014, they applied half towards the June pymt due and applied the excess to the next's months' bill. When I called to tell them this was an error, and the excess amt was to be applied to principal, as indicated on their billing statement, they said their system doesn't automatcially do that, and we must call every month to have this done. I asked why a note can't be put on our account saying the excess is to be applied to principal. They said they can't do that, because "the system automatcially applies the over payment to the next billing period." I said they should remove the statement on their bill then, if they dont' truly apply it. The supervisor I spoke with, *************, apologized but said he has no control over the situation, even when I told him I would file this complaint. Doesn't a company have to follow what they say on their billing statment?

Desired Settlement: HSBC should either do what their billing statement says and automatcially apply excess payments to the principal balance, or they should amend the wording on their billing statement to reflect what they actually do/don't do.

Business Response: Initial Business Response /* (1000, 5, 2014/07/24) */ 07/24/14 Hello ****, HSBC has responded to the customers allegations. M. ****** has mailed a copy of the response to the customer. Thank You , *** ******* Consumer Response /* (3000, 12, 2014/10/08) */ I'm sorry for the delayed response. However, in the last few months payments, HSBC has NOT applied payments as they said they would in their letter (i.e., all extra amts paid ea mo will be applied to principal). In July we paid $2,500 (for July bill + extra towards principal), but they credited part of it to the Aug. bill. In mid-August we paid another $2,500 (for Aug bill + extra towards principal), but they credited part of that to the Sept. bill. In late August we paid $1,500 -- intending that to be the Sept. payment (paid early because we were going on vacation) and they credited that to the Oct bill. Is there any way we can get them to fix this? Business Response /* (4000, 15, 2014/10/28) */ the response was mailed out to the customer on 10/24/14...

11/4/2014 Advertising/Sales Issues
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10/10/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I pay on ******* $443.75 every two weeks which makes the mortgage payment each month. I've called numerous times to have un-applied funds that were erroneously posted to principle transfer back to un-applied funds so my payments would be timely. Once again, the payment of $443.75 made on August 19, 2014 has been applied directly to principle which cause my payment to be late and late fees charge. Each time I call, the customer service person has no idea what I'm talking about, doesn't NOT understand EZ-PAY and why I pay every 2 weeks.

Desired Settlement: Return the payment dated August 19, 2014 in the amount of $443.75 to the unapplied account and combine it with the previous unapplied balance of $443.75 for the August 23, 2014 payment.

Business Response: Initial Business Response /* (1000, 8, 2014/09/26) */ 9-26-14: Hello ****, HSBC has responded to the customer's allegations and mailed a copy of the response to the customer as well. Thanks *** ******

10/7/2014 Advertising/Sales Issues
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9/4/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: In October 2013 we paied off 2nd mortgage, and to date have not received a release nor ********. Account_Number: XXXXXX-XX-XXXXXX-X

Desired Settlement: DesiredSettlementID: No settlement requested - for Release of morgage sent to home address.

Business Response: Initial Business Response /* (1000, 20, 2014/08/29) */ this was closed out and a copy of the response was mailed to the customer on 08/29/14, crd RYT...

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8/26/2014 Delivery Issues
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8/22/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been trying since March to refinance with another lender,asking Beneficial for certain forms which the other company needs.They kept sending information I didn't need.Now the other company closed the 4 month window(after costing me $500)and I will have to start all over again costing me more money.They are a preditory company that you can not get away from!Also,you can't talk to anybody from the U.S.because they closed all the local offices and they do their businss from *****.They also are charging me $50 a month (for I don't how long)to keep my mortgage currant that does not come off of anything.A few years ago I fell into an income problem and they were ready to forclose.I had to send them$1000 that also didn't come off of anything.They said they charged $100 for a driveby appraisal which they would not give me a copy.Where the other $900 went,I don't know.I have that documented.

Desired Settlement: I would like to see them be investigated for preditory practices like the other big banks and not be allowed to do business in **.I also would like to be reimburst for what I have invested so far with refinancing and find out why and for how long I have been charged $50 for keeping my account up to date without telling me.

Business Response: Initial Business Response /* (1000, 8, 2014/08/11) */ 8-11-14: Hello ****, HSBC has responded to the customer's allegations and a copy of the response letter was mailed to the customer as well. Thanks *** ******

8/21/2014 Billing/Collection Issues
8/20/2014 Delivery Issues
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8/19/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I have a mortgage with this company that is 2 months behind. I have received several letters providing me with a contact person to discuss this matter with. I have called several times over the past month to discuss the issue. I have never spoken with the individual, but have left messages. I have spoken with other representatives who constantly inform me that I need to fax a letter that states I am not represented by an attorney. Somehow my account has been flagged that I have a lawyer representing me. Thus, no one will speak to me. No one can explain/why this was placed on my account. I have never needed a lawyer to represent me for this account, so I have no idea why this was done. I have faxed a letter several times to the fax number provided to me. The account is still flagged so no one will speak to me. How many requests do I need to send in before someone will remove the flag from my account? As stated above, I have left messages for my "contact person" to no avail. She hasn't even tried to reach out to me by mail since she is unable to speake with me, to inform me that the account is still flagged. I have literally received no responses from her. A representative was kind enough today(7/29)to let me know the account is still flagged and that it takes 5 days to get it removed. How am I supposed to know the account is still flagged if no one will respond to me? I faxed another request to have this removed today (7/29). In the meantime, I'm getting letters sent to me informing me of foreclosure if I don't have my account caught up by late August. How am I to get this resolved, if I can't speak to anyone? This should not be legal. If I am unable to get a response within the next 10 days, I will have no choice other than to "actually" obtain an attorney. This company should not be allowed to conduct business. Product_Or_Service: Mortgage Account_Number: XXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to be able to speak with someone regarding the delinquency of the account.

Business Response: Initial Business Response /* (1000, 10, 2014/08/08) */ A RESPONSE WAS MAILED TO THE CUSTOMER ON 08/7/14...

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8/4/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I have been trying to cancel my HSBC *********** credit card for over a year (2013) I have faxed over and over the petition to cancel it and they don't respond, nor get back to me. When I have called many times to get this done for once HSBC credit card keep asking me to fax the petition, and I have done that about 10 times now. I don't get an answer from them, the credit card still open and available to use. I have spoke to them on the phone several times and they always have the same answer: "You have to fax your petition and we'll get back to you" I am so tired of them treating me like nobody. I don't want nothing to do with HSBC nor their credit cards. So this is my last effort to get this done for once all.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want them to cancel the master card credit card that once I opened with them.

Business Response: Initial Business Response /* (1000, 5, 2014/07/16) */ We have received Ms. ********'s communication. We will respond directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you.

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6/30/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Mortgage on house at *** ********* Avenue ******** ** XXXXX was approved for deed in lieu. This process has been going on since Sep 2013. I signed paperwork more than 2 months ago under Soldiers and Sailors relief act and still this transaction has not been completed. The company is still trying to get me to pay. House was to be sold or disposed of as part of divorce decree from state of ****** July 2013. I cannot travel back and forth to ** to address this issue. This company has already entered the property and has key access. I do not. The phone number they give me to call consistently has an automated message that we cannot take your call no call back in 2 hours.

Desired Settlement: Deed in lieu process completed and compensation of $5000 for unnecessary delays and stress created by the process I was told would take 60 days now approaching 10 months.

Business Response: Initial Business Response /* (1000, 7, 2014/06/18) */ We have responded to the customer's complaint with a copy of response to the customer..

6/30/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: On May 2014 I received my statement of my credit card. To my surprised a charge of 25 dollars late fee was billed. I contacted HSBC via ***** telling them that I never received my billing statement for the month of May and that is why I paid it three days later. They never responded my letter. Today I received my statement of June without the credit fee of 25 dollars from the previous month. I requested a 25 dollars credit to my account, however my request was ignored.

Desired Settlement: 25 dollar credit to my bill statement

Business Response: Initial Business Response /* (1000, 6, 2014/06/13) */ Contact Name and Title: ******** ****** Officer We have received Ms. **************'s communication. We will respond directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you. Initial Consumer Rebuttal /* (3000, 8, 2014/06/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) Idid not receive the credit of 25 dollars. Final Business Response /* (4000, 10, 2014/06/17) */ **** is currently reviewing Ms. **************'s concerns. Our formal response will be issued within 10 business days from the date the complaint was received, on June 13, 2014.

6/26/2014 Delivery Issues
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6/20/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Mortgages are important & you would think they would keep records of it somewhere. I am trying to get it to the under writer so it can get pd off but I keep getting the run around. The people I have talked to has been very nice but I can't get what I need. I really doubt that they have no access to their loan info. I am also pretty sure that by law they have to keep records to help them if need & also the customer.

Desired Settlement: I would like them to provide me with the info I am requesting * A payment history from the life of my loan. I would also like it to be done in a timely fashion I think it shouldnt take more than 3 to 4 days to mail out.

Business Response: Initial Business Response /* (1000, 7, 2014/06/09) */ 6-9-14: Hello ****, CRD has responded to the customer's allegations and mailed a copy of the response letter to the customer as well. Thanks *** ******

6/13/2014 Advertising/Sales Issues
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6/9/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Filed a BBB complaint last month about the bogus ******* *** and HSBC cards showing up on my credit report when I pulled it in April. Now I have pulled it again and there are more ******* *** and HSBC credit cards reporting then last month.....Why does ******* *** continue to report bogus information. I am at the point to take legal action against you with all this defamiation of charactor that continues to happen due to the wrong information being reported on all three off my credit bureaus. Last month I heard back about one legit ******* *** Credit Card and this month there is another ******* *** reporting with a different number.....XXXXXXXXXXXX was reported as valid.....now there is a XXXXXXXXXXXX reporting.....I have not had more than one ******* *** card ever......also, ******* *** purchased HSBC and now I have two HSBC Cards reporting.......XXXXXXXXXXXXXXXX and XXXXXXXXXXXXXXXX. Please explain why I now have all these cards reporting. Also, there is a HSBC card reporting under ******* Portfolio as well. I have asked them for validation and they send a letter with the amount owed, but nothing else. Which is not a validation. Please verifiy these accounts. I have only had one ******* *** card and yes, I did defaullt on it and will be trying to get that balance resolved shortly. Fw: BBB Complaint Case# ******** (Ref#XX-XXXX-XXXXXXXX-X-XXX) 1 message ****** ***** <**************@yahoo.com> Thu, May 22, 2014 at 3:38 PM To: *******@chicago.bbb.org This complaint is for ******* *** on ********* *** They purchased HSBC and already responded there once, about my original complaint. This needs to be sent back to Richmond BBB to be addressed with ******* ****

Desired Settlement: DesiredSettlementID: Other (requires explanation) Removal on my credit reports of the bogus ***********, HSBC and the ******* Portfolio accounts reporting.

Business Response: Initial Business Response /* (1000, 5, 2014/05/27) */ We have received ****** *****'s communication. We will respond directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you.

6/6/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The complaint is that on the second Wednesday of every month I can not get a check to the company on time. I filed chapter 11 ten years ago. I would like to pay on-line using my debit card so I can avoid the late fee of $30.00 per month or 10.9% finance on top of that. Those that have not experience bankruptcy understand how last minute payments allow money to be at the right place to make the payment. This process is not correct and should be corrected.

Desired Settlement: I would like to pay today for payments that are due tomorrow. This would allow me to manage my income and my constraints without being penalized and use the reso

Business Response: Initial Business Response /* (1000, 5, 2014/05/23) */ We have responded to the customer's complaint with a copy response to the customer..

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5/26/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I am behind on my mortgage because of a financial hardship. My check was being garnished they garnishment was $300-400 every two weeks. And also caring for two toddler in my home without no money. Im requesting a deferment from my mortgage company so that i can have a fresh start. I requested a loan modification but was denied because i was told my income was to much. They only offered a short sale of my home. the person i talked to was not willing to help me. Mr. ********** was the assigned person to work with me. Mr. **** stated that since i received help before it was not else they can do. I need to sell my home. I feel like it is wrong that this company will not help especially since i am really having a hardship. I am working so i can afford to pay my current mortgage but since its four months behind i cannot pay 2,200 monthly to catch up. I contacted a mortgage help hotline but they stated that HSBC is not participating in the program, I also contacted HUD but they could not help. I really need someone to get some answers for why i don't qualify for deferment or modification if i was experiencing a hardship.

Desired Settlement: I am requesting a deferment of pass money be added to the end of my loan so i can have a new fresh start. I would like to be on a automatic payment bi-weekly. Or a refinance.

Business Response: Initial Business Response /* (1000, 7, 2014/04/10) */ 4-10-14: Hello ****, HSBC has responded to the customers allegations and forwarded a copy of the response to the customer as well. Thanks *** ****** Initial Consumer Rebuttal /* (2000, 9, 2014/04/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept because they resolved m issue Consumer Response /* (3000, 15, 2014/04/23) */ I am requesting that this complaint be reopened. Since my response that everything was ok, I was informed from HSBC that the agreement to have my delinquent fees added to the end of my loan has been cancelled. I received my monthly statement for this month and it stated that I owe 7000.00. they stated that I didn't pay the qualifying money to receive the deferred payment. I never agreed or knew about qualifying payments. HSBC is not willing to work with me. When I called yesterday I talked to Mr. Roxy he was rude and stated that I should put my house up for short sale because I can't afford it. That is not true. I really just need a fresh start. Business Response /* (4000, 19, 2014/05/08) */ We have responded to the customer's complaint with a copy of response to the customer.

5/20/2014 Advertising/Sales Issues
5/19/2014 Delivery Issues
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5/12/2014 Advertising/Sales Issues
5/12/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: A payment of $1625.62 was made to my mortgage lender HSBC on February 17, 2014 via the phone. After payment was made I was provided a confirmation number. I check my account on-line to ensure the payment had posted. I noticed that the payment had not posted. On February 18, 2104 I called HSBC Customer Service and spoke with a representative at which time they told me that the payment had been stopped. I immediately contacted *** my banking institution. They informed me a "stop payment" was not on my account. The representative from HSBC suggested I try a different amount. I then gave him permission to do a payment for $1630.00. I was provided another confirmation number. I immediately checked the on-line account. This payment had posted. On February 20, 2014 I checked my *** account and noticed the initial payment of $1625.62 had been withdrawn from my account. The following day I check my *** account and noticed the payment for $1630.00 had also been withdrawn from my account. At this time I placed a "stop payment" on the $1630.00 payment since the previous day the payment for $1625.62 had been withdrawn. I then received two communications from HSBC stating that both payments had been stopped. I sent HSBC Cash Research Department documents from my *** account showing that the $1625.00 payment had been withdrawn from my account. On March 27, 2014 I received a communication from HSBC conclusion of their research, indicated the payments for $1625.62 and $1630.00 had been stopped and returned to my account. The other issue I have is that three fees for $95.00 were placed on my account on February 21, 2014. I contacted HSBC to determine what these fees were for. Initially I was told they 1) could not provide an explanation on the fees, 2) it was charges for a wire transfer, 3) they were charges that were for an appraisal to my home initiated by the Step Forward Michigan Hardest Hit Funds Program where I received a Loan Rescue. I contacted the State of Michigan in which they informed me that the program in which I received rescue funds did not require any appraisals. I forwarded this information onto HSBC in an attempt to understand what these charges are for. On March 27, 2014 I then received a letter stating it was a "Broker Price Opinion". My issue is that I was charged $285.00 in fees. And I believe HSBC is conducting fraudulent practices. On my April 2014 statement there is a payment for $95.00 on February 25, 2014-I NEVER made this payment. Then the mortgage payment of $1626.00 I made on March 18, 2014 only $1530.62 was applied to my principal, interest and escrow, while $95.38 was placed into unapplied funds. I believe the aforementioned practices were done to alleviate two of the three $95.00 fees; leaving only one in which the final letter received from HSBC alludes to. And in addition, HSBC NEVER provided me with written documentation that a "Broker Opinion" would be conducted and I would be responsible for the fees; which is clearly indicated in Note/and Mortgage Deed of Trust under NOTICES. I am requesting a copy of that Broker Opinion so that I will know the appraisal/broker opinion on my property.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the initial payment made on February 17, 2014 in the amount of $1625.62 be applied to my account immediately. All late fees be waived, the $35.00 stop payment fee I had to pay to *** Bank be reimbursed to me by HSBC and a formal letter that I can send to the 3 Credit Reporting Agencies indicating that the February 2014 payment was not late. I was informed that at the time this happened HSBC was in the midst of a system upgrade, in which errors could possibly have occurred. But, my attached documentations clearly indicates the $1625.62 payment was withdrawn from my account by HSBC and not returned due to stop payment. If that were the case, there would be a credit in the amount of $1625.62 on my February bank statement. What is indicated is a credit for $1630.00 the amount I did do a stop payment on.If I am responsible for the $95.00 Broker Opinion I do not have a problem paying that fee. However, three fees in the amount of $95.00 totaling $285.00 I am not willing to pay,

Business Response: Initial Business Response /* (1000, 12, 2014/04/14) */ X-XX-XX: Hello ****, HSBC responded to the customer's allegations on X-XX-XX and V. ******** mailed a copy of the response letter to the customer as well. Thanks *** ****** Initial Consumer Rebuttal /* (3000, 14, 2014/04/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thr payment in question of $1625.62, February 2014 payment was not appropriately applied to my ********. If the payment had been applied the remaining balance would have been the $95.00 Broker Price Opion and the April 2014 of $1625.62(amount prior to the 24 month modification) Final Business Response /* (4000, 18, 2014/04/29) */ We have responded to the customer's complaint with a copy OF Response to the customer..

5/12/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: HSBC-- has been converting to a new computer system since April 2013-- I have not received any Mortgage Statements--I do not know if my payments have been properly posted to my account correctly. I did however receive a letter stating that they had not received any mortgage payments since March 2013 this was in August 2013-- this was incorrect. I contacted them and I was getting letters stating that if payments were not current within a certain date they could forfeit my loan and request the balance. These notices were sent certified. I was informed they could do nothing because they were computer generated. They could see my payments that I had made going into the old account before the system conversion. We did get that straight I think after several calls and certifed letters. Fast forward to 2014 I received an incorrect tax statement in January, I called they told me to fax a request to them and request a correct statement. Today is April 15th the deadline for me to file my taxes and no corrected form. I called them on April 9th they told me it would be mailed by April 10th. They did not have the information to give me that was on the form. I am very disappointed in this Company. Just think of the customers that may have filed taxes not aware that the yearend statement was incorrect. I am paying my mortgage over the phone they are not charging me the phone fee. I have a bank record of all payments that have been made. I also received a letter from them in the mail yesterday 04/14/2014 that indicated that my account is not current and to advise me if I needed counseling and help to make my payments current. MY payment is current next payment due is 04/28/2014. Product_Or_Service: Home Purchase Mortgage Account_Number: 0019180249

Desired Settlement: DesiredSettlementID: Other (requires explanation) This is my home in question that I have owned since 2001-- and dont want to have the worries concerning payments and threating letters, when I am not at fault. Today I have to worry about the IRS and taxes. Yes I did have some payment issues in the past, I am making my payments and I need claification that my payments and my home are protected without these computer issues.

Business Response: Initial Business Response /* (1000, 12, 2014/05/01) */ We have responded to the customer's complaint with a copy of response to the customer 5/1/14..

5/12/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I provided HSBC with my account number and ssn. Despite having all that info they found no account attached to my name. *********** which bought out the credit services shows the account does exist but can't obtain any more info. HSBC claims the account does not exist despite the info given. I have been sending money as a payoff according to what i was told in 2011. My most recent credit report now shows the card was paid off in 2012. I asked HSBC where my money has gone. They have no answer. They have lost my money. I have all records of the transactions that were sent. They were unwilling to help me. HSBC just kept telling me to contact costumer support which was no help, i asked to speak with accounting and no one could provide that info. After a week of calling them and capitol one i have to resort to other measures. Capitol one has been more then helpful and given me as much info as they can. HSBC has been anything but helpful. I want to know where my money has gone and i want it back.

Desired Settlement: i want all the money i have been paying to HSBC returned as the card was paid off in 2012 but they failed to notify me and still took my payments.

Business Response: Initial Business Response /* (1000, 5, 2014/04/17) */ We have received Mr. *******'s communication. We will respond directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you. Initial Consumer Rebuttal /* (3000, 14, 2014/04/28) */ HSBC Bank sent me a letter informing me that there is no record of me in their system. Which i know not to be true as i have the Payment info showing my account number's and money i sent to them. The letter was short and not helpful. I will now pressure for legal action Final Business Response /* (4000, 18, 2014/04/29) */ In order to review your concerns further, we require additional details to identify the account in question. Helpful information includes your full account number, full Social Security Number, or a copy of a recent credit reporting showing the debt you wish to dispute. Unfortunately, our office does not have record of receiving this information from you. Kindly send the updated details by one of the following methods: Fax - (XXX) XXX-XXXX. Email - *********************@us.****.com. Postal Mail - HSBC Bank USA, N.A., Customer Relations - C104, PO Box ***** ******** NY XXXXX. Thank you. Final Consumer Response /* (3000, 15, 2014/04/28) */ HSBC Bank sent me a letter informing me that there is no record of me in their system. Which i know not to be true as i have the Payment info showing my account number's and money i sent to them. The letter was short and not helpful. I will now pressure for legal action

5/9/2014 Advertising/Sales Issues
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4/24/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I have been a customer of HSBC bank for over 14 years, and have never had this issue before. They have made a series of miscellaneous charges on my line of credit, to the tune of $10 per month. I went into the bank to complain and was told that some of the charges are a mistake. However, I would have to call the 800 line to get them corrected. I have called this number almost daily of the mast month. It ALWAYS states that there is a higher than normal call volume and waits maybe long, However, after that message, it just disconnects the call. No amount of pleading with my local has resolved this issue and I am still being charged $10 a month in fees incorrectly. Product_Or_Service: Line of Credit

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the fees refunded. This bank has really decline in the past months and there service is awful.

Business Response: Initial Business Response /* (1000, 5, 2014/03/25) */ We have received Mr. *******'s communication. We will respond directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you. Initial Consumer Rebuttal /* (3000, 7, 2014/04/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) It has been 10 days and no one has contacted me. Final Business Response /* (4000, 13, 2014/04/17) */ Our records show that a response letter was mailed to Mr. ******* on April 8,2014. An additional copy of this letter has been sent today via email. Final Consumer Response /* (4200, 11, 2014/04/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not understand why I cannot get anyone from this bank to answer the phone, call me regarding this matter. This in an ongoing issues and even after I have gotten the BBB involved, they are still not contacting me, even when they say they will. I do not except this and want a phone call from this banking dept. Thank you.

4/21/2014 Delivery Issues
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4/2/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: House Address: *** ******** Ave, ******* ** XXXXX Purchase Date: December 3, 2013 The property at *** ******** Ave was sold to me via referee's deed (for unpaid taxes) at the 2013 ******* City tax foreclosure auction. The deed was conveyed to me on December 3, 2013 free and clear of all liens. On or about February 18th, 2014, you ordered preservation services on my house resulting in a forced entry which has caused significant damage to my property. The damage is as follows: my back door is broken in half and unusable, and the door frame has been pried off beyond repair. There is an ugly piece of plywood in place of my door. My second interior door frame is damaged beyond repair from forced entry. My basement door was broken to gain entry into the basement. My Hot water tank blanket was ripped off the tank and destroyed, my tile bathtub shower wall was knocked open to access the pipes. The living room ceiling tiles were taken down and damaged and now the metal grid is bent. My shower rod was ripped out of the wall with the curtain attached. In addition to the physical damage to my property, all contents inside cupboards, drawers and shelving units was emptied onto the floors without care. On March 7th, I spoke with someone at XXX-XXX-XXXX. I explained the break in and the damage and they asked me to fax them proof of purchase. I faxed my proof of purchase on March 10th and asked for an immediate call back to discuss my property damage. No one is calling me or returning my calls.

Desired Settlement: I want to be compensated for the money I have to spend on hiring the labor and purchasing materials to fix your damage and my time wasted in doing so. $3500.00.

Business Response: Initial Business Response /* (1000, 7, 2014/03/24) */ We have received Ms. ******'s communication. A written response will be issued directly to the customer within 10 business days from the date opened. If an extension is required, we will notify the customer accordingly. Thank you. Initial Consumer Rebuttal /* (2000, 9, 2014/04/02) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have received a letter from HSBC ********* ******* with further instructions regarding the claim process. For now, I will follow the process in the letter and will reopen this complaint if the process is a dead end. Thank you.

4/1/2014 Delivery Issues
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3/31/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: We received a letter from HSBC bank on 03/12 ( the letter dated was 03/07 ), it said they decided to terminate our banking relationship with them effective on03/17/2014. We have one check is outstanding $300.00 payable to Department of *********** for registration, and we called HSBC officer ********* at ************ and ************ to extend the closing date until the item paid. We even ask for just keep $300 in the account remains open until the item paid they can close the account. The notice of the closing account did not provide time to the consumer to take care the outstanding check, it may cause the damage of the registration.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Extend the closing date until the item $300 paid.

Business Response: Initial Business Response /* (1000, 5, 2014/03/19) */ Contact Name and Title: *** ********* Contact Phone: X-XXX-XXX-XXXX We have received Mr. ***'s communication. We will respond directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you.

3/31/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Late payment was placed on credit file for credit card account in August 2011 on ******** and *********** My ******* report shows no late payment. I have sent numerous times payment history to HSBC and have asked them to remove the negative entry from my credit report. HSBC has willfully failed to reply to any letter nor remove the negative listing.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Request HSBC update credit file to show never late or never past due on August 2011.

Business Response: Initial Business Response /* (1000, 5, 2014/03/19) */ We have received Mr. ********'s communication. We will respond directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you.

3/28/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Since August 11,2010 I sent a letter to HSBC reporting two account listed in my credit report as inaccurate (HSBC/***** and HSBC/****), they sent me a letter back stated that the account was sold (both accounts), I called and fixed the issue with the collection agency and they agreed to delete the accounts, on January 30, 2014 I sent another letter to the credit bureau to correct the original accounts in my credit report and *********** answered me referring the same account was owned by HSBC before and they said the same thing: account was sold. Since HSBC was the original creditor posted in my credit report i'm requesting proper validation of the accounts and delete inaccurate information. PS: The same account name has different accounts numbers on the different credit bureaus. Account_Number: XXXXXXXXXXXXXXXX / 1

Desired Settlement: DesiredSettlementID: Other (requires explanation) Request delete inaccurate information on my credit report.

Business Response: Initial Business Response /* (1000, 5, 2014/03/28) */ We have received ****** ******* communication. We will respond directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you. Initial Consumer Rebuttal /* (2000, 7, 2014/03/28) */ (The consumer indicated he/she ACCEPTED the response from the business.)

3/28/2014 Advertising/Sales Issues
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3/17/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I recently explained to the HSBC customer care team that I had undergone financial difficulty due to the costs associated with caring for an ailing family member as well as subsequent bereavement costs. HSBC unilaterally closed my account but never offered relief in the form of lower or a forbearance offer on interest as did **************** of A,or ******** all of whom offered some assistance without involving account closure.I was interviewed for a qualification for hardship but told that my income was too high. I have since contacted the bank to report a drop off income to 2500/month and explained to them that I can afford to pay $100 a month and asked for the above mentioned forbearance on interest and late fees which have been assessed even though I have never missed an actual payment.By continuing to add late fees and unreasonable interest charges HSBC is DECREASING my ability to ever pay back the debt. In fact I have been advised that since my good faith payment of $100/month does not even cover the interest and late fee assessment per month that a strategic default with HSBC might be the best option.I would like to avoid that course of action with the cooperation of HSBC by 1) elimination of late fees going forward2) reverse charges on all late fees accrued to date(I have never missed a payment since I have opened the account with them3) a reduced or 0 interest charge rate going forward since I no longer have the use of the card, Product_Or_Service: Interest rate and late fees Account_Number: XXXXXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) Elimination of all late fees accrued to date,Elimination or greatly reduced interest rate so that I can reduce principleacceptance of $100 minimum payment per month to pay off debt,.

Business Response: Initial Business Response /* (1000, 5, 2014/03/04) */ We have received Mr. *****'s communication. We will respond directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you.

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3/10/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: i have a mortgage account with hfc account#XXXXXXXXXX notice an extra payment of hazard insurance added to my bill in the month of sept.2012 was told that they got new computers and it said that i owe this extra money from an period of five years.in oct 2012 sent letter to research dept.in nov 2012 they sent a letter saying that i would recieve an letter directly from that office any questions call customer service dept. in oct2012 sent a check for mortage amount425.99 plus hazard ins.39.84 total=465.83 did not include the amount that i was disputing=15.42 also in nov.2012 amount of these hazard insurances a different amount. then i started recieving phone calls from thier collection agency on sundays from another country of course i could not understand them they could not connect me to anybody that spoke better english because the offices are close in the USA on sundays. FINALLY I had enough last month i called the customer servive rep. we were on the phone for 2hrs. and 30 mins. found out that they never appiled my october 2012 payment at all ,my november payment went towards my oct. payment .Was told my money was mis allotcated and that her supervisertold her to do a CIT(customer inguiry ticket)her name was ********************* ask could we settle this now over the phone she ouated a price minus the late fee.the amount was 496.67.this amount would bring everything up to date.got a confirmation #XXXXXXXXXXX.ask her to send a letter when i got the letter i saw there was a 15.00 dollar charge for paying it on the phone.Call customer service told them i was not told about the fee and i hope my checking account would not be messed up. Was told the only way they would remove the $15.00 fee is if my checking account did get messed up Then i would hae to fax them a copy of it then they would refund the fifteen dollars to me. ask to talk to a supervisor.Her name was mary.Some how we got disconnected I waited for the survey to call me it never did. recieve my bill on Sat. dec.11th did not open it until i recieved a phone call yesterday evening from the collection dept.told them to stop calling me on a sunday.I hung up went straight to my bill and yes it is still messed up.they have a payment of 496.67 on 12/17/2013 then they have it payment reversal-minus496.67 then under unapplied funds the same thing What does that mean? i totally dont under stand the bill cause at the end of it they are saying i owe 539.26 with my mortgage payment 425.99 plus ins.#i39.84 plus ins#215.42=481.25 they are saying on coupon that i owe 539.26 please help me with this matter.If you can not be of any assistant to me please send me a copy of this complaint and direct me to who can help thank you

Desired Settlement: i want them to correct thier mistakes and to stop having phone calls from people i dont understand

Business Response: Initial Business Response /* (1000, 7, 2014/01/24) */ We have responded to the customer's complaint with a copy OF Response to the customer.1/24/14. Final Consumer Response /* (4200, 13, 2014/02/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did not recieve the first response from hfc but i am still recieving bills from your company today I recieve a bill from your research dept. in ******* saying i owe you over 800 dollars.the letter also says i have to write them if there is a complaint .try to call customer service, no answer.you have my phone number plus my address you are not sending an explanation why is there over 300 dollars added on this bill.you have not responded to my orignal complaint what about the late charges,customer service i am a good customer with good credit and you are not willing to settle this matter with me do you have an office that i can speak to someone face to face . it seems like you dont want to settle this matter you just want to keep charging late fees Final Business Response /* (4000, 17, 2014/02/25) */ We have responded to the customer's complaint with a copy of response to the customer..2/25/14.

3/7/2014 Advertising/Sales Issues
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2/27/2014 Delivery Issues
2/25/2014 Delivery Issues
2/25/2014 Advertising/Sales Issues
2/25/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: 1. I applied for a payment modification on my home mortgage almost a year and a half ago. I was first strung along by being asked to provide the same information multiple times. HSBC would ask me to provide documents to be considered in the payment mod request. So much time would go by before they would address it, that the documents would "expire" and the same documentation for another month would be requested. We finally got to the point where I was told that I had successfully turned in all of the documents needed and I would receive a response in about 30 days. Months went by, I repeatedly made attempts to inquire on their progress. Repeatedly I was told they didn't reach a conclusion yet. More time went by and I received a packet in the mail requesting the same information from me that I had already successfully turned in to them months earlier. 2. I did not have an escrow account established with this loan for many years. Because of my temporary hardship, I fell behind on paying my taxes. In speaking with the county I learned that my taxes have been paid. I have made attempts to contact HSBC to determine exactly how much is owed in order to become current on my loan. I am bounced around from one operator to the next and no one can give me an answer to crucial information that I need. 3. I made a lump sum payment a few years ago in the amount of $80,000. I have called several times over the years wanting to know when my monthly payment was going to be adjusted to reflect this payment and again, I can not get anyone to assist me. 4. Due to my lump sum payment of $80,000, I am actually ahead with my loan. Unfortunately I have had to deal with a temporary financial difficulty but what is more unfortunate is that I got stuck with a bank that would prefer a foreclosure than to assist a customer become current with their loan. hSBC works against the customer. I need to speak with someone from their headquarters that will handle my situation until it is straightened out. I am fed up with this bank. I feel they are trying to push me in foreclosure and I will not allow that before involving the media first and exposing this bank's business practices.

Desired Settlement: I need someone qualified to make decisions with regards to my loan, who has access to all info regarding my loan, and who can provide me with this info. Someone who can have my payment mod addressed to the end and someone who can address my lump sum payment. Preferably someone from the headquarters office.

Business Response: Initial Business Response /* (1000, 7, 2013/12/02) */ Response letter mailed to customer on December 2, 2013. Final Consumer Response /* (4200, 25, 2014/02/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) No resolution made yet. Awaiting the company's response. Final Business Response /* (4000, 27, 2014/02/13) */ Our records indicate an interim letter was mailed to you on January 31, 2014. Your concerns are under review. We appreciate your patience and apologize for the delay.

2/24/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have HSBC reporting on my credit report. The account was from 2005. They sold the account and posted that as a recent payment back when they sold it. I have sent them numerous certified letters, which I received the green signed label for. They have failed to respond to any mail sent. The legal term for what they have done is called re-aging by the FCRA. I have disputed this and they validated it. This company should not be on my credit report, for it is well after 7 years. I have asked them for details of any payment that "I" have made to them in the last seven years. They refused to respond. The certified letters are:Certified Mail #XXXXXXXXXXXXXXXXXXXX received on 08/02/2012Certified Mail # XXXXXXXXXXXXXXXXXXXXCertified Mail #XXXXXXXXXXXXXXXXXXXX received on 01/07/2012As you can see, this is unacceptable and I deserve a reply or remove this item from my credit report.Item Details:Account # XXXXXXXXXXXXX Account_Number: XXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) Respond to my request showing payment that I have made in the last seven years. If they can not, which they can not, then they are violating the FCRA and subject to suit. I want this item removed from all of my credit reports. If they fail to do so, I will turn this over to my legal council.

Business Response: Initial Business Response /* (1000, 5, 2014/01/09) */ We have received Mr.*********'s communication. A response will be provided to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you. Final Consumer Response /* (4200, 22, 2014/02/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) Th letter they sent simply states they sold the account. They are still reporting on my credit from 2005. I am requesting information as to why, not the run around they are giving. Is it that hard for them to provide me with the information that I am requesting? This should have been off of my reports by now. Final Business Response /* (4000, 24, 2014/02/21) */ A response letter dated February 5, 2014 was issued to Mr. ********* addressing his concerns. Our position remains unchanged regarding this matter.

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Additional Notes

Complaint: An escrow letter arrived in September stating that there was a shortage of $457.23 in our escrow account. The letter stated that we could pay the shortage and maintain our current payment or pay the higher payment to cover the shortage. We sent a personal check for the amount of $457.23. It was check #5378 drawn on ********** County Bank in ***** *** They processed that check on October 16 and applied it to the principle balance instead of the escrow account. We brought the mistake to their attention. They then put it in the unapplied funds account and took $457.23 out of our ******** payment. Payments for October and November were made and not credited to our account. They went into the unapplied funds account. We are current on our ******** payments, the escrow shortage was paid by personal check, and late fees of $77.53 have been paid. Efforts to get them to correct their mistakes in this matter have been unsuccessful. They call constantly demanding a lot of money, stating that we owe more money. Not only do they refuse to try to correct this problem, they have no answer as to why we were sent an Escrow surplus check for $533.43. This doesn't make sense if we supposedly still owe more money. To add to the frustration, most of their customer service people are foreigners and extremely difficult to understand. A conversation with an account specialist about 3 weeks ago assured us that this problem would be cleared up by 12/13/2013. It didn't happen. This complaint is in reference to loan #XXXXXXXXXX. .23

Desired Settlement: We want the funds we have paid to be properly applied. We paid the shortage by check, paid the loan payments for October and November, and paid late fees. We want our monthly payment to remain $1752.14 as promised by the escrow letter. And, what do we do with this "surplus" escrow check? Based on our experiences with this company, we are really afraid to cash it.

Business Response: Initial Business Response /* (1000, 7, 2014/01/03) */ We have responded to the customer's complaint with a copy of Response to the customer..1/3/14.

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Additional Notes

Complaint: My complaint is in regards to a response I received from HSBC. I had mailed them a letter in correspondence to a negative account on my credit file. The account has been sold to ******* ******** however, HSBC is still reporting the debt to the major credit bureaus. My letter respectfully requested that HSBC remove the account from my credit file and I would pursue ******* ******* to settle the debt. HSBC denied my request. I feel that HSBC has no benefit in continuing to report the negative account. I am in the process of improving my credit to make my first home purchase and this negative account is affecting this goal. HSBC seems like a professional company and I would find it beneficial starting a new relationship with them in the future. But only if they approve my request.

Desired Settlement: DesiredSettlementID: Other (requires explanation) My desired outcome is for HSBC to remove the negative account from my credit file.

Business Response: Initial Business Response /* (1000, 7, 2013/12/10) */ Contact Name and Title: ******** ***** Contact Phone: XXX-XXX-XXXX We have received Ms. ****'s correspondence and have forwarded to the appropriate area for review. A formal response will be sent directly to the customer. Thank you. Final Consumer Response /* (3000, 9, 2013/12/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I chose no because I do not know what the final outcome will be. I must wait until I receive correspondence from ****. Final Business Response /* (4000, 13, 2013/12/31) */ A response dated December 19, 2013 was issued to Ms. ****. A copy of the response letter has been mailed to the customer today. Thank you.

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Complaint: COMPLAINTI got a secured credit card in 2010 from ******* Bank. At the one year anniversary ? I called them and asked about getting back the $300 that I had secured the card with because I had paid on time each month. I was told that the secured credit card stays a secured credit card for the life of the card. ******* Bank was bought by HSBC, then by ******* **** I called ******* *** a couple of months ago and asked to increase the amount of my card and asked that if I sent $700 could I have a secured credit card for $1000. It was then that I was told that my credit card is unsecured and has been since 2011. I have NEVER received my original $300 that I secured the credit card with.I have spent 4 days on the phone at different times with HSBC and with ******* *** ? to no avail. I am no closer to getting my $300 today then I was two months ago. Supposedly on November 21, 2013 indemnity paperwork was mailed to me to have another check re-issued. That was a lie! I never received any paperwork in the mail. Today I was told that they cannot send me the paperwork because I don?t have a check# to reissue a check. I WAS NEVER SENT A CHECK! This is BIG BANK keeping my money.Please help me to get back my $300. Sincerely- ** ********93 ******* ************ ** XXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) $300 plus interest since 2010

Business Response: Initial Business Response /* (1000, 5, 2013/12/11) */ Contact Name and Title: ******** ***** Contact Phone: XXX-XXX-XXXX We have received ** A. ********'s communication. A written response will be issued directly to the customer within 10 business days. If an extension is required, we will notify the customer accordingly. Thank you. Final Consumer Response /* (3000, 7, 2013/12/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have been given the same response for the last two months to no avail. I have been bounced back and forth from **** to ******* **** neither taking responsibility for the $300 that theyve kept. Final Business Response /* (4000, 11, 2013/12/27) */ **** issued a written response dated December 24, 2013 to resolve Ms. ********'s concerns.

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Additional Notes

Complaint: I am filing this complaint against Household Finance Corp. I submitted a information for a modification to reduced my payments. After speaking with a rep, I provided all of my debts we was on the phone for 25 - 30 minutes. At the end of the conversation I was instructed to send in 2 sequential pay stubs which i provided. I then received a letter dated 10/15/13, that they needed two pay stubs in order for them to review my hardshp. Again I faxed in the pay stubs, on 10/31/13. Today, 11/5 I received a call from HFC asking about my November payment which was due on 11/2. I explained to the rep that I requested a modification and if he could provide me with the decision. After being on hold for sometime, the rep proceeded to tell me that I have exhausted my limited in modification/defered payments that I would have to wait until June 2014 before I would be considered for any type of assistance. I asked the rep to provide me with those dates and I was giving the following 9/30/10, 12/1/09, 1/17/13, 9/10/10 and 6/3/09. I asked the rep why wasn't I told this infomation upfront, and I would not have provided my financial information. In additional, why was I sent a letter dated 10/15 requesting my income verfication? I have been dealing with Beneficial, HFC, or what they are called these day for 10 years and I'm tried of all of the unethical practices that they are allowed to get away with. I have an interest rate of 11% that I can not get lowered. Today interest rate are as low as 3% and here I'm paying over 11%, this is not good. Any assitance that BBB can help me with would be great. I have sent emails to multiple executives in the past and have not gotten anywhere. I'm willing to do whatever, reach out to the media, anything. I'm so angry that I can't see straight. Please assist me in getting this taken care of. **************

Desired Settlement: I would like a permananet reduction in my interest rate or modification.

Business Response: Initial Business Response /* (1000, 7, 2013/11/21) */ XX-XX-XX: Hello ****, HSBC has responded to the customer's complaint and forwarded a copy of the response to the customer as well. Thanks *** ****** Final Consumer Response /* (3000, 9, 2013/11/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't accept this response. I don't know how in the world this company gets away with these types of practices. I was given the information when I follow up about my modification that I was no longer eligible since I have already hit the max number allowed. Now granted this was after I spent almost on 30 minutes on the phone provided them with my financial information, receiving a letter to send in two check stubs. Now I'm being told that wasn't the reason, the reason is I didn't supply the request check stubs, which I did and I have fax confirmation. I also want you to know that I have left several messages for my "******** Specialist" and have not heard back from them. This is the third specialist that I have been given. I will continue to fight this battle with HFC and will supply the Attorney General Office with this response as well. Final Business Response /* (4000, 13, 2013/12/10) */ We have responded to the customer's complaint.

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Complaint: BBB of Upstate New York100 ****** ***** ************* NY XXXXXMonday, November 11, 2013This letter is a formal complaint that Beneflcial/HFC has failed to remove an unverifiedaccount from my credit report after they did not complete investigation into the item Idisputed. The Fair Credit Reporting Act requires that a data furnisher investigate in 30 daysany account that is officially disputed by a consumer. This data furnisher has failed tocomply with FCRA regulations by refusing to remove the disputed item from my creditreport for their failure to respond to my requests for documentation.I have already provide this data furnisher several opportunities to comply with my requestsbut they continue to ignore my requests and don't respond to my letters. They continue towillfully violate the FCRA as they are receiving my requests, yet they do not respond. Thismust stop!I have included copies of all the communication I have mailed this data furnisher withcontinued no response. Please take the time to review my requests. You will see that all ofmy requests have been made pursuant to the FCRA and I have provided more than thelegally required time to complete.I need your company to enforce the regulations of the Fair Credit Reporting Act and requirethis company to remove this account from my credit report. Enforce these regulations andshow their offices that the FCRA does mean something and that they cannot continue tooperate only in the interest of money and without penalty.Credit reports and those credit scores derived from these reports are paramount to life asan American citizen. Anything and everything that we do is related around my credit reportand credit score. This is a serious request to Investigate this company and the policies andprocedures they use to report accounts on a consumers credit report as there is obviouslysuspect practices in place.The credit bureaus must be held liable for their willful violations of the Fair Credit ReportingAct. They cannot be continued to operate with such illegal and unethical practices. Youroffices must step in and uphold the laws of the FCRA and demand the immediate removal ofthis account from my credit report.Beneficial/HFC XXXXXXXXXXWhat good do the rules, regulations and punishments of the Fair Credit Reporting Act do ifthey are not enforced? I have exhausted my patient and now need your assistance as Ihave no other options.Kind Regards,****** G *********501 ******* ********** ** XXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) What good do the rules, regulations and punishments of the Fair Credit Reporting Act do ifthey are not enforced? I have exhausted my patient and now need your assistance as Ihave no other options.

Business Response: Initial Business Response /* (1000, 7, 2013/12/05) */ XX-X-XX: Hello ****, HSBC has responded to the customer's complaint and mailed a copy of the response to the customer as well. Thanks *** ******

12/16/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I'm filing this complain because HSBC refused to help me. I'm facing foreclosure and they are asking me for a big amount of money to help me. Due to illness on the year of 2012 I was no able to work for more than two months, when I was able to get back to work my hours were reduced and I was no able to catch up with the payments. But now I'm trying to get help from HSBC and they told me that in order to put my file under review for a loan modification without any guarantee to be aproved, I have to bring my loan current, wich I considered no help at all. I regret that I'm no able to bring my account current but I know that there are many options to keep my property but they definitely closed doors for me. My house have an scheduled sale date to be sold on 12/9/2013 and even when I had provide all the required documents to put my case under review for a loan modification they refused to help me.

Desired Settlement: All I want is the opportunity to keep my property. At this moment I don't have $58,000.00 to bring my account current. All I'm asking is to please review my case and get an affordable payment through a loan modification without any type of down payment.

Business Response: Initial Business Response /* (1000, 12, 2013/12/05) */ XX-X-XX: Hello ****, On 12-3-13, We responded to the customer's complaint and mailed a copy of the response to the customer as well. Thanks *** ******

12/16/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: me and my husband have a 1st and 2nd mortgage with this company and have had nothing but trouble, first of all we went months without even receiving a stmt, then we start getting stmts and theres all these fees they say we owe so i dispute them, then they fix some but not all of them, they still say we have a nsf fee that they wont take off and we have never had a nsf from them or anyone else, also they tack on a ton of fees at the end of the loan, its like they are double billing, our principal amt changes when we make a pymt, but they have added on fees at the end of the loan for letting us skip pymts its like our principal amt never changed when we didnt make a pymt, but we owe more now just for skipping a pymt,if you skip a pymt it should be a longer term that you owe but they are tacking on more money at the end of your loan and i really think someone needs to look into their numbers because they are really ripping off people and i think what they are doing should be illegal

Desired Settlement: DesiredSettlementID: Other (requires explanation) i would like my loans to be reworked, i dont think we owe what they say

Business Response: Initial Business Response /* (1000, 7, 2013/12/05) */ 12-5-13: Hello ****, HSBC has responded to the customer's complaint and mailed a copy of the response to the customer as well. Thanks *** ******

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Additional Notes

Complaint: On 9/19/13 Local ***** Employee's Credit Union Refinanced our home and paid off old mortgage with HSBC by certified check through ***** Delivery. As of today, we still don't have our deed marked "Paid in Full" nor do we have our unapplied funds check for $1874.84. Each time we call about our paperwork, they give us a different date/or say they can't say when our paperwork or check will be in our hands. ******* on 10/24/13 said refund check was cut on 10/12 and to allow 30 more days to receive it. Paperwork (deed marked "Paid in Full") she couldn't say when we will receive any paperwork at all stating our loan was paid in full. It seems they are stalling in sending our paperwork to the courthouse to release our loan. As of today our loan has not been recorded or released and our first payment with the new mortgage co. is coming due on the first. They continue to be evading our questions and this is very unsettling to us. We need answers and HSBC to send our paperwork so we can know our transactions with them are over and the credit union has our mortgage. Right now we are in "limbo" and this is no way to do business. HSBC held the payoff check for at least 10 days before applying to our account. Was this to collect more interest? We don't understand this way of conducting business. It is ridiculous!

Desired Settlement: We have been told that ** has a law that we should receive all correspondence (including the paperwork marked paid in full and funds check) within 30days of the transaction. Otherwise they would be fined per day for not closing the transaction. We want our loan paid paperwork and refund check in our hands by October 31, 2013. Also a refund of all interest for holding the payoff check and not applying it to our account immediately. After all the credit union obtained a pay off letter stating what the balance was and 3 days after our signing the paper with the Credit Union, the certified funds were ***** Overnight to HSBC. HSBC did not credit our account until the 24th.

Business Response: Initial Business Response /* (1000, 7, 2013/11/05) */ The complaint was mailed to customer 11/4/13, Final Consumer Response /* (4200, 13, 2013/11/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) we still dispute all of the charges they put on our acct.the total was about 25,000.00 we want a break down on all charge's that we can understand.late charges over 10,000.,interest charges of over 5400,00 and so on.we think the charges WAS PADDED so to look good on paper. Until we are satisfied we will still question this.its not right.when we asked over and over again for information and got none. I think that they may be grounds to sue Final Business Response /* (4000, 15, 2013/11/26) */ this was closed out on 11/25/13, and response mailed to customer..

12/9/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: In May 2013,an HSBC rep called me to ask if I'd like to refinance my mortgage and save money each month.I said, "Sure!" and told the rep what I had paid for my property.The rep said that I could save $203 per month if I decided to apply to refinance with HSBC, but there was one caveat:I had to provide a credit card number that would be charged $500 ONLY if my application was denied or if I decided to withdraw my application;I agreed and provided my credit card number.A few weeks later, HSBC sent an appraiser to my home to value my property.A month later,I received a call from HSBC saying that,unfortunately,my property came in way under value($400K less than what I paid in 2007) and they could not save me any money if I refinanced with them.Furthermore,I'd have to pay a "penalty" if I still decided to refinance.I was told, however, that if I could prove to HSBC that properties in my neighborhood with similar square footage had sold within the last 2 months for the same or more than what I had paid for my property,they would reconsider the appraiser's valuation of my property.I obtained a list of SIX properties within ten blocks of my home that had sold within the last 2 monthsfor $400K-$600K MORE than the appraiser had valued my property.I sent this information to HSBC.About a week later, an HSBC rep called to tell me that they would not consider my documents and that,if I refinanced with them, I'd still save no money AND pay a penalty.I said that I'd obviously rather not refinance with HSBC since it would COST me money to do so.In August, I saw that HSBC had CHARGED MY CREDIT CARD $500 because I had "withdrawn" my application.I called immediately and explained that I had NOT withdrawn my application to refinance. I spoke to an HSBC rep named ***** ******* who told me to "relax." I then spoke with *** ****** who told me I was being charged the $500 to pay the appraiser and the bank for the "paperwork" they had done on MY behalf.

Desired Settlement: DesiredSettlementID: Other (requires explanation) HSBC rep *** ****** informed me that **** doesn't question their appraisers' decisions. I informed him that perhaps they should, considering that: HSBC called ME to ask if I wanted to refinance with them so I could SAVE MONEY. When I agreed, they sent an appraiser to my home who lowballed me. HSBC then told me I couldn't save money if I refinanced with them, and then charged me $500. I want my money back AND an apology.

Business Response: Initial Business Response /* (1000, 7, 2013/10/25) */ Response letter mailed to customer on October 22, 2013. Final Consumer Response /* (3000, 9, 2013/10/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) In response to my complaint, HSBC sunk even lower by sending me a letter saying they would not refund my $500 because, in their opinion, I had "withdrawn my application" to refinance. I DID NOT WITHDRAW MY APPLICATION. Again, HSBC called ME to tell me I could save money if I refinanced with them. They then sent an appraiser who lowballed me by $40K. I provided proof that he lowballed me, but HSBC refused to consider it. HSBC then said they couldn't save me any money after all, so I said that I wouldn't refinance if I couldn't save money, obviously. HSBC considered that a "withdrawal" of my application and charged me $500! Business Response /* (1001, 20, 2013/11/26) */ Response letter sent on November 15, 2013.

12/9/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have made numerous attempts to contact this company in regards to the trade line that is being reported on my credit reports. ******* *** was the orginial creditor which have written me and stated the account was sold. The orginal account ******** **** was included in my CH7 bankruptcy in 2006. Another source under the ******* *** business called HSBC Bank is reporting the same account on my credit reports as a charged off/paid. Every attempt I have made to contact HSBC continues to be an attempted failure and I get letters from Capital One stating the same thing "account sold". This trade line on my credit reports is erroneous. ----------------------------------------------- XX-X-XX additional info from consumer: I have not heard from this company. thank you.

Desired Settlement: I wish for the trade line HSBC, PO Box ***** ***** ******* ** XXXXX to be removed from the three major credit bureuas.

Business Response: Business Response /* (1001, 16, 2013/11/27) */ Response sent to customer 11/27/2013

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Additional Notes

Complaint: I made this mortgage(account#XXXXXXXXXX) on 6/06/2005. I pay my payments bi-weekly with ***** Plus. My life insurance is included in my payment. If I make 12 consecutive on time payments our interest rate and payments are to go down.6/06/2013 my interest rate and payment dropped like it was suppose to. My payment dropped to $396.80 bi-weekly. 9/30/2013 they raised my payment to $411.45 bi-weekly without notifying me. 10/01/2013 I received a letter from Beneficial dated 9/13/2013 and this is the content of the letter. (Beneficial conducts regular reviews of the accounts we service to insure we continue to provide the highest level of service to our customers. during a recent review of your above mentioned loan it was determined that the following changes would be made to your account. in accordance with your pay right rewards program, your loan is subject to one rate reduction per year based on twelve(12) consecutive months of on-time payments. Due to the transition of your loan to a new servicing system, going forward your reductions will be proceeded following twelve(12) consecutive on-time payments, even if less than a full calendar year has elapsed since your last pay right reward reduction. BENEFICIAL is going to put this enhancement in place immediately for those customers who have already made the required twelve(12) consecutive on-time payments. We have completed any adjustment to your account so that the current interest rate and payment will reflect the lowest rate you have earned based on your consecutive on-time payments.) This is a 30 year mortgage. I was told at the time of signing of the loan that by paying bi-weekly that this loan would be paid in full in 17 1/2 years. When I called Beneficial to question why they raised my payment amount they told me that since my payments were paid ahead until July 2014 that they were raised so that it would be paid when the loan matured in 2035. I tried to explain to them that by paying it bi-weekly that it would be paid by 12/06/2022 according to what we were led to believe when we signed the loan. It was very hard to communicate with them because they were foreigners. Finally I told them that I was going to either contact Better Business Bureau or obtain a lawyer to get this matter resolved and right away they said that they would change my payment back to what I was paying. 10/28/2013 they took the proper amount of $396.80 from my account thru *** pay Plus. Then on 10/28/2013 I received a letter Congratulating me for enrolling in *** *** **** in which I was already enrolled in. Then for the second time this year when I got my billing statement they said my **** ********* payment was past due which is impossible since it is included in my payment. The first time was 12/2012 and it took about 2 months to get it resolved. I also have a second mortgage(account#XXXXXXXXXX) with Beneficial that was made 6/20/2007 which we pay thru *** *** **** also bi-weekly . We have LIFE and DISABILITY INSURANCE on this one . They were saying on the statements that our loan was in an insurance claim when it wasn't. When I called to question this they said it wasn't and it shouldn't say that on our bill but it took MONTHS to get this one resolved. These issues are very concerning and I think they need to be reviewed and questioned.

Desired Settlement: I want to make sure they stick to the contract that we have. I want my loan paid in full by the time I was told it would be which was 6/06/2022. I want to be able to talk to someone in this country who speaks clear and fluent ENGLISH. It was much easier to resolve these kind of issues when there was a local office you could go to and talk to someone. I don't want to have to be calling this company every time I turn around. I don't want this to be affecting my credit . I want to make sure that my life and disability insurances are paid like they are suppose to be. I don't want to have to use these and find there is a problem. If the problems continue, as much as I would rather not, I will have to seek Legal Counsel. I just want to pay my payments every two weeks without all the hassles. I would like to make sure that this company is doing business properly and that other people are not going through the same problems we are experiencing.

Business Response: Initial Business Response /* (1000, 7, 2013/11/19) */ We have responded to the customer's complaint.

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11/26/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: At least twice, money for my house payment has been deducted from my bank account and this business has posted it to another individual's account. This week, I received a letter that last months payment was not received although it has been deducted from my bank account. When I called the company, they simply tell me that there is no proof of money being withdrawn for a payment, and that payment is due in full. I do not think it is fair that their mistakes are effecting my credit scores.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like this business to be made accountable for payments received that they are posted to proper accounts. All late fees and penalties should be waived and not reported negatively on my credit report.

Business Response: Initial Business Response /* (1000, 12, 2013/11/14) */ 11-14-13: Hi ****, HSBC has responded to the customer's complaint and forwarded a copy of the response letter to the customer as well. Thanks **********

11/25/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: DUE TO HEALTH ISSUES PAYMENTS ON OUR MORTGAGE WERE DEFERRED TO BACK OF OUR LOAN. WE HAVE SINCE PAID THE AMOUNT OWED (CALLED IN TO VERIFY THE AMOUNT DUE TO BRING US CURRENT) 11 MONTHS LATER OUR ACCOUNT HAS NOT BEEN UPDATED. EVERYTIME WE CALL WE ARE TOLD IT TAKES TIME I ASKED FOR A RECIEPT SHOWING OUR ACCOUNT IS UP TO DATE LAST DECEMBER AND STILL HAVE NOTHING FROM THEM

Desired Settlement: DesiredSettlementID: Not applicable UPDATE OR INFORMATION AND HANDLE BUSINRSS IN A MORE TIMELY FASHION

Business Response: Initial Business Response /* (1000, 7, 2013/11/11) */ THIS WAS CLOSED OUT AND RESPONSE MAILED TO CUSTOMER

11/25/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I have request a pay-off balance on two loans that i have with Beneeficial/HSBC.Ist on9/26/2013,2nd on 10/08/2013 and 3rd on10/15/2013.The last two,i requested that they send me a written statment.So far i have recieve only one dated 10OCT.13.It was the one being alot lower interest rate than the other!Three times,i have talk to customer service with them assuring me that i will get it in two days.All i get is promises!!!!How can they send me the pay-off on one account and not see the other? Those request i have done by Fax thru comerical buisness.I have spend over $15.00 dollars.They give no reason for it,only promises.Wasn't these company fined in the pass for its practices?If so it needs to go on bad buisness list!!!

Desired Settlement: DesiredSettlementID: Other (requires explanation) If these company has been fine in past by the Federal Goverment,then they haven't learn a lesson.They need to be kept a closure eye on!!Put and annouce on a bad or black list to the public.They should refund me my money spend on faxing those request.

Business Response: Initial Business Response /* (1000, 5, 2013/11/14) */ the response was mailed to customer on 11/13/13,

11/25/2013 Billing/Collection Issues
11/25/2013 Problems with Product/Service
11/22/2013 Delivery Issues
11/20/2013 Advertising/Sales Issues
11/20/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Refuse to honor Cash Rewards on purchases made on credit card.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Issue me a check for my earned Cash Rewards.

Business Response: Initial Business Response /* (1000, 10, 2013/11/18) */ Contact Name and Title: ******** ********** Contact Phone: XXX-XXX-XXXX A response letter has been sent to Mr. **** from the Customer Relations Office of **** Bank USA, N.A. on November 13, 2013. Final Consumer Response /* (2000, 12, 2013/11/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) They issued me a check for my Reward points.

11/19/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The company has failed to mail monthly statements to indicate the balance owed and payments made to account XXXXXXXXXX. The company has been contacted several times via US mail and phone calls to request the information. No one has been able to provide me with the information to my loan. I have been paying the loan for well over 10 years and still have not recieved the account information requested.

Desired Settlement: i would like for the company to mail me a COMPLETE log of all payments made to account XXXXXXXXXX and also to show the BALANCE owed. The account has been paid monthly and is current. there is no reason HSBC/BENEFICIAL shoul dbe withholding my account information from me.

Business Response: Initial Business Response /* (1000, 7, 2013/10/23) */ sent response 10/23/2013 Final Consumer Response /* (3000, 9, 2013/10/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is an unacceptable response... this explains nothing as to why they have failed to provide me the information after several phone calls and written requests. What informtion in this "response" did they send??? How unprofessional of the company to respond to such a complaint. I would like for them to send this "reposne" to me via email ASAP to review. Final Business Response /* (4000, 13, 2013/11/07) */ 11-7-13: Hello **** ******* **** has responded to the customer's complaint and mailed a copy to the customer as well. Thanks *** ******

11/19/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: does refinancing. We have tried on two occasions to refinance with other lending institutions however each time HSBC refuses to give out information, return phone calls or send requested information. And charges 30 dollars for paperwork etc. They are holding my mortgage hostage and I want to get it away from them, however have been unsuccessful. The fees and interest rate they are charging is completely unfair.

Desired Settlement: I want them to follow through with information so I can re-finance with another lending institution.

Business Response: Initial Business Response /* (1000, 7, 2013/10/11) */ the response was sent to to the customer 10/10/2013 Final Consumer Response /* (3001, 13, 2013/10/28) */ 10-27-13 info from duplicate complaint #XXXXXXXX: HSBC refuses to respond to inquiries regarding my mortgage, I have tried to refinance on two occasions and they have withheld information and not sent required documents. HSBC alleges in the respond to such complaint that they have sent such information. I have tried to re-finance two times in past two years. I have spoke to a gentleman named **** and ****** and still didn't receive such documents. I tried to re-finance with ********** Financial in 2012, and *** **** Financial in May of 2013. Each time the information is not forwarded and each time you cant speak with the same individual. I want a specific name and number to a person to handle my concerns or HSBC to re-finance this mortgage at a lower rate than the 8.25% I am currently paying. ------------------------------------------------- I want a specific name and phone number of a contact person so I can obtain the correct information and documents needed to re-finance. HSBC to re-finance this ******** at a much lower rate than what I am paying now of 8.25%. Final Business Response /* (1000, 17, 2013/11/08) */ 11-7-13: Hello **** ******* HSBC has responded to the customer's complaint and mailed a copy t the customer as well. Thanks *** ******

11/19/2013 Delivery Issues
11/18/2013 Billing/Collection Issues
11/18/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: ********** ****** & ****** ******** *** N. ********** **** XXXXX .I have paid you over $1800.00 dollars and you have not applied to my account. My wife ****** ******** had a ******** with you The property is located at **** W ******* I paid the mortgage off 10/2012,due date 02/2013. I checked with you and you said I stilled owed 12cent .I sent in the 12cent and you returned it.I checked on line and I found the account found out I owed some back interest .I am not sure because know one would tell me the correct amount. I sent in money through my bank and you returned it I have paid 1,888.00 And it is in unapplied funds . My wife passed ******* I made all the payments I never received a statement after I paid off the mortgage . I have paid 12.00 day because that is the maximum the web site would except. I have made 73 $12.00 payments. I have tried to get this straight ,but nothing change My name is on the account but no one will talk to me.

Desired Settlement: I want to see a complete break down on my account . I want to know who blocked me out my account. I want the $1,888 that I have paid applied to my account. and not the unapplied funds. And when I make a payment it should be applied to my account. I should not be charged interest on it. I want the 226 days pass due taken of the credit report I want them to except the 12cent so I can get my mortgage. and credit straight. I want to know how much money I owe and I want it broken down I want to pay it on line.

Business Response: Initial Business Response /* (1000, 15, 2013/11/07) */ 11-7-13: Hello **** ******* **** has responded to the customer and forwarded a copy of the response to the customer as well. Thanks *** ******

11/15/2013 Delivery Issues
11/12/2013 Delivery Issues
11/12/2013 Advertising/Sales Issues
11/11/2013 Advertising/Sales Issues
11/11/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I opened my statement two months ago and there was an unauthorized charge to **** *** that I immediately called about and **** *** said they would reverse. I got my next statement and saw that they credited the account one day after the due date then charged me a $25 late fee. I got another statement today and now they have charged me $25 more. I call them and get put on hold repeatedly. Today I called the number on the statement and was on hold for 18 minutes. I called a number from their website and had no options to push to talk to a person. They do not give me internet access to the account online with my account number/ss# so I can't interact with them that way either.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want the charges reversed and I want the credit report fixed if it has been reported as late. I have not had a late charge for YEARS!!! and they need to keep it that way.

Business Response: Initial Business Response /* (1000, 7, 2013/10/29) */ Contact Name and Title: ******** ***** Contact Phone: XXX-XXX-XXXX Contact Email: ****************@us.****.com We have responded to Ms. *****'s concerns in writing.

11/11/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: We purchased a house in 2008 using HSBC. In September 2012, HSBC alerted us that we did not have any mortgage insurance. We never received any notice from HSBC or the insurance company, **********. After contacting HSBC, we found out that we had insurance coverage for only a month, then ********** cancelled our policy yet kept us under the umbrella. HSBC indicated that they paid ********** without the policy using the escrow but later told us that no money was taken out of escrow. ********** said they did not have any information. We immediately purchased insurance with ***** and asked HSBC for a statement of the escrow account from 2008 to 2012. They sent the current months escrow statement. We then received a notice that our mortgage payment was going up due to a low escrow balance. After being put on hold and talking with people for over four hours, we still have not been able to get clear records of this information that we have been trying to obtain for a long time now. During this conversation, HSBC changed their story again and told us that we did have insurance during the four years because they used their own insurance (without our knowing) and admitted that their insurance has higher rates than other outside insurances. When we asked for details, HSBC stated their computer records only contains information from 2011 and so they mailed us a statement. When we received the history of our records, it only includes information from 2011 to 2013. ------------------------------------------------ 9-17-13 additional info from consumer: We received a letter from HSBC that they are investigating this case.

Desired Settlement: DesiredSettlementID: Other (requires explanation) We want clear and concise records detailing the information that we have been requesting for a year.

Business Response: Initial Business Response /* (1000, 9, 2013/09/27) */ Your correspondence addressed to the Better Business Bureau was received in the Office of the President. I appreciate the opportunity to respond. Since your loan closed in 2008, the first year's homeowner's insurance premium was not paid from your escrow account. On June 19, 2009, we contacted your insurance agent and received ***** **** policy number ********** with an effective term of June 26, 2009 through June 26, 2010. As a result, a premium in the amount of $213.00 was disbursed from your escrow account. Thereafter, a premium for $213.00 was disbursed each year for the policy terms from 2010 through 2012. On June 12, 2012 we contacted ***** **** for current policy information and were advised your policy was cancelled effective June 26, 2012. We notified you on August 10, 2012 that your policy with State Farm was cancelled, and requested current proof of insurance. On September 11, 2012, we sent you an additional request for proof of insurance. Copies of these letters are enclosed for your reference. Once evidence of insurance from ********** Fire and Casualty was received; a premium in the amount of $932.00 was disbursed on September 18, 2012 from your escrow account. This policy was effective September 19, 2012through September 19, 2013. As a result of the lapse in coverage from June 26, 2012 to September 19, 2012, a lender placed insurance ("LPI") policy was obtained in the amount of $538.00. This premium was disbursed from your escrow account on September 20, 2012. As requested, please find enclosed copies of your account history and Escrow Analysis Statements from 2008 through 2013. Should you have additional questions, please contact me directly at X-XXX-XXX-XXXX. Final Consumer Response /* (450, 27, 2013/11/11) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated: We confirm that we received the *** document (tracking #: 1Z29RWXXXXXXXXXXXX) with our statement from 2008 to 2013. We need clarification of this document and will attempt to call Mr. ******** today, if that is okay with him. Final Business Response /* (4000, 23, 2013/11/01) */ Since no new information provided, HSBC Bank USA, N.A. confirms all concerns were previously addressed in response letters mailed to customer on September 25, 2013 and October 25, 2013. All enclosures referenced on letters were provided.

11/6/2013 Delivery Issues
11/4/2013 Advertising/Sales Issues
10/29/2013 Advertising/Sales Issues
10/28/2013 Delivery Issues
10/28/2013 Delivery Issues
10/28/2013 Delivery Issues
10/28/2013 Advertising/Sales Issues
10/25/2013 Problems with Product/Service
10/25/2013 Problems with Product/Service
10/21/2013 Delivery Issues
10/21/2013 Delivery Issues
10/18/2013 Problems with Product/Service
10/17/2013 Problems with Product/Service
10/16/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Almost two months ago I paid my accout off in full. I followed all the directions they provided, including a certified check, sent overnight for the final payment. Prior to that final payment by certified check I made no less that four huge payments of $10,000, $10,000, $10,000 and $7,500.Still today no one at *** has sent my a statement of Paid In Full, nor have then sent me my credit check for the amount of over payment. I was on the phone with them this morning for a couple hours, getting transfered and tranfered and transfered, put on hold, put on hold, put on hold, Until a guy named *** told me I needed to fax them proof the confirmation numbers to prove that I have made the payments. This right after the person before him stated that "yes" we see that your account is paid in full, but we can't send a letter, becauseit takes time. Again, I want a statement from them reflecting that the loan is paid in full, so that my credit report will refelct that this account has zero balance. I also want my refund.Thanks,***** Product_Or_Service: 2nd mortgage loan Account_Number: Account # **********

Desired Settlement: DesiredSettlementID: Refund I want a statement from them reflecting that the loan is paid in full, so that my credit report will refelct that this account has zero balance. I also want my refund.

Business Response: Initial Business Response /* (1000, 7, 2013/10/15) */ sent response to the customer 10/14/2013 Final Consumer Response /* (2000, 9, 2013/10/16) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/15/2013 Delivery Issues
10/15/2013 Delivery Issues
10/14/2013 Advertising/Sales Issues
10/7/2013 Delivery Issues
10/4/2013 Advertising/Sales Issues
10/1/2013 Billing/Collection Issues
9/23/2013 Delivery Issues
9/23/2013 Delivery Issues
9/23/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: On September 5th 2013, I called HSBC to propose a settlement on my credit card account. I've had the card 13 years in good standing. I owe $8,748 with a variable interest of 16.99%. The operator said she spoke to her supervisor and that the supervisor said no settlement was available. When I asked to speak to the supervisor, she said he was unavailable. I then asked if the interest rate could be lowered and she again spoke to her supervisor who again said that was also unavailable. I find myself about to default on this loan and didn't want to do that. ------------------------------------------------- Note from BBB: It has been confirmed by *********** that this account was not part of the purchase *********** made with HSBC.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to close the card and pay a monthly amount for a number of years to pay off the card.

Business Response: Initial Business Response /* (1000, 5, 2013/09/11) */ this is an credit card acct, don't belong to consumer lending.

9/6/2013 Delivery Issues

Customer Review(s)

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Customer Reviews Summary

8 Customer Reviews on HSBC Finance Corp.
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