HSBC Reviews

The next month, I saw another statement from HSBC, that was late payment notice in addition to the annual fee. This resulted in another customer service call. Now, I was told that they would be unable to close my account, until it was brought up to date. In total frustration, I decided to pay the balance, annual fee and late fee, in order to be done with this card and company. Right about 10 months later, I started the process all over again. In Nov. 2011, I again received the notice that on my next statement, I would be billed the annual fee for this account, I went through the process all over again. When I did not get a statement the next month (Dec.), I mistakenly thought that the account was finally closed.

Come Jan. 2012, I received a statement containing the charge for the annual fee and late fee. I refused to pay either, and the next statement arrived with an additional fee and note that my account was past due, and they were going to report my delinquent account to the credit agencies. My husband, home on mid-tour leave from the Middle East, found the past due notices, and took care of paying that account immediately. I explained what had been going on, and now there was a zero balance, so I attempted yet again, to close the account, which was about 2 weeks ago. As of today, 17 Feb 2012, this account is still not closed.

One of the banks managers from the recovery department’s name is Peter **, at **. My accounts were settled and I do not deserve to have a resolved account in an unresolved status with a debt collecting agency. I need assistance. HSBC has flagged my account so that the customer service representatives are not allowed to speak with me or even give the balance that they claim I owe. I was actually told by several reps that my account was blocked for that reason and that there was nothing they could do to help me. They claim that only the recovery department can resolve the issue. But that department is actively refusing to disclose anything. They are constantly telling me to contact the outside agency. They were very disrespectful and rude.

We received a call early the next day asking us if we had made up our mind and at this time, I should have seen it coming but I didn't. They were pushing hard to close the deal as soon as they could. But why? We went in the next day to close. We left the office satisfied. We didn't overlook anything. Four to five days later, I was suppose to go back and pick up a few papers to complete the agreement. I found the place locked up and all the furniture gone like nobody was ever there. I called their main office to find out what happen and they couldn't tell me anything.

If you get an application in the mail from these people, shred it. There are plenty of other companies that appreciate a consumer who pays their bills on time, everytime! If you have their card, cancel it before you go to a store and make a purchase with it, only to be embarrassed and declined because they do not even bother telling you in advance that your credit limit has been dropped to nothing.

Why didn't they reject the deposit and send me the funds from my account? Yeah, we know that answer. I don't need any of the docs I sent them to register to vote. A voter registration trumps every single possible form of ID? Apparently, their security office in the Philippines doesn't know how many dead and illegal people vote in America. I need to talk to an attorney. I'm stuck outside the country, powerless. By the way, they let me use my card for two months (my only link to my money) and if I were committing fraud, my very last purchase would not have been a 41 dollar toaster. Yes, a toaster, **!

Secondly one PIL was bounced and charges showing in my credit card account. Why? At the time of bounced, I got the call from you and I paid also immediately to avoid charges. Then how come it's reflecting in my credit card account?

Third thing is about my HSBC account. Earlier this was my salary account as I am HSBC staff but post leaving from there, I have never used because thinking it will automatically close. Now I get to know it's converted in my saving account (without informing me) and there are charges also levied due to not maintaining minimum balance in account. Why this not informing to customer? And now account changes are showing in my credit card account. Why? Finally I got the message now, it's reported to CIBIL as I not paid.

I am requesting you to please look into this and reverse all charges. I don't want to continue my relationship with HSBC. I have only personal loan with you. Request you to please close my credit card and send me 0 account balance statement to this id. I will personally go to branch and close my account also by this weekend. Above mail sent to HSBC for resolving my issue.

We have been harassed for three years for not buying their DOA computer and keeping our mouths shut about it. We asked for a repairman for five months and in their emails, they refused to send one. So we refused to buy the computer and HP picked it up and J *** at Hp signed for it. HSBC and its collection agency Asset Recovery Solutions says pay up or the amount will triple.

After all of the above now they write about "late pays," and pretend to offer a "short pay. " We are 65 and 68, completed reverse mortgage counseling, appraisal and unable to get account information for closing and now they offer a late pay solution.

to (3) HSBC locations.

day, "hate crime. "

On the third request, we tried for an "in-house" mod and were told our debt to income ratio was too high. Requested reinstatement and pay-off amounts--never received. We paid down a lot of debt and increased our income thru raises at work. Applied again. The fourth request was denied for same exact reason: debt to income ratio. We requested in writing the figures they used as well as pay-off and reinstatement figures. We never received anything. HSBC now states that they are the servicer of the loan and GMAC is the investor. They never advised of this change in writing. We requested contact info for GMAC and copy of the agreement between them and HSBC as well. Never received it. We called HSBC to ask why our written request for information was not received. They couldn't give me an answer but advised that the reason we were denied for a mod the last time was because GMAC won't forbear the $75,000 they would need to in order to give us a mod payment we could afford. We asked where they are getting the $75,000 figure and were told the reinstatement is $25,000.

They couldn’t give me an answer. The worst part is that you have to speak to a different person every time you call. You cannot get a supervisor as they refuse to transfer you. You cannot get anyone's last name or their direct contact number. They are robots who cannot assist you. They just read from their computer screen. If the info you want or need isn't on there, they can't help you. Every document that is faxed or mailed someone gets lost in their loss mitigation department until the 4th or 5th time you send it.

HSBC has purposely deceived us and dragged out our loan mod request so that they may incur exuberant late fees and run up our escrow amount to the point that we are so far behind there is no way to catch up. All we wanted was to modify from a 15-year to 30 to 40-year with a lower interest rate. They purposely held us off until we are now almost 12 months behind. They stopped accepting any payments so that they can say we just decided not to pay them anymore. They know exactly how to work the modification process to their advantage.

I called the Mesa police and they stated that Santander or HSBC needed to do the report. Now I am stuck with this debt and no way to even reaffirm it because they all lost the vehicle. HSBC should have followed up with the process with Santander and they both should be liable for this vehicle. How can they even charge me an amount if the vehicle was never auctioned off? These places should be put out of business. I was unable to get my vehicle back because they cannot locate it at Western Auto Recovery and I have a receipt for it being picked up. I was unable to attend an auction of my vehicle and now there is a balance on my credit report without an auction being conducted.

Now when I am calling the customer care, they are not supportive, completely sarcastic and highly unreliable. I heard the news that this bank is going down. Now I am sure it is and I can very well understand this. Anyone who is reading this, please think about the risk before going to HSBC. This is not the bank one can rely on. By no means, in no category be it credit cards, bank accounts, or any other product. And trust me, I am one of those guys who has been in the IT team of an e-banking solution. From my experience with this bank I can tell you two things: 1. Their website is awesome and 2. Their customer service is very poor and so are their charges. They just cheat by all means.

I need a reference from others who are ready to sue this con-artist business! I am fed up with attempting to argue with these idiots who are attempting to steal from me and my family. I have tried everything I can possibly do to get numerous supervisors and floor managers to update our records and payment history into factual data. I am extremely upset with this company and the sick values and lack of organization this business practices on a daily basis.

While I am upside down in my home, it is my home and I want to pay for my home and continue establishing memories for my children. I am not willing to lose my home and explain to my children why we are homeless because a company cannot organize their own records, and process payment histories accordingly.

I want everyone who is being offered bogus payment plans and legal help to save our homes to contact me. This company is a hoax and a leech of American rights. HSBC is the very example of a greedy business preying on those who seek the American Dream. HSBC is lying to their customers and are practicing unethical and illegal business practices. HSBC is at the forefront of destroying the American economy, and I want to see them pay for deceptions and lies this company is based upon.

I believe in the American Dream. I am a hard working business owner. I am paying my mortgage. HSBC wants my home.

Step up and make a difference, fight for your family. Our goal is to expose HSBC for the crooks and phonies they are! Be American and contribute to bringing this foreign bank down! Let's build our own economy again!

I went into the bank and talked to an investment banker at HSBC 23rd Street and 3rd Avenue in Manhattan. He said someone would call me back the next day. No phone call. Now, it is Christmas time and I have to spend time listening to phone prompts so I can check what is going on in my accounts because I can not get online! Yes, I am angry. I know there must be other people experiencing this problem besides me. Please join me in making this outrage of public inaccessibility so the bank does something!

I asked why, and they stated I missed several payments in a row. I brought up my account online, and said I only missed one payment in March, and it was after I paid the card off, and 4 payments since the first of the year. Knowing that credit card companies can cancel accounts anytime, I went about asking why the online system still shows that I have available credit, and an active account. That is when she told me that there appears to be a glitch in the system. I said you must have more then just one glitch in the system, if you could not explain why I was not notified of my account being cancelled, and the fact I had made all those payments. Her response was she cannot see what the online system shows, cause that's not her area.

After explaining to rep that I'm an IT person, and a glitch is what we tell the non-IT personnel that there is a problem, I asked to speak to someone with a higher position. I was transferred to a supervisor, who stated they have several glitches. Right then and there it raised a red flag to me, that their system could be hacked at anytime. I expressed that to the supervisor, who said that's not her area, and she was not concerned about customer data.

To this day, they have not fixed my account status online, or update the available credit information yet. I sent a request to have them cancel the credit protection charges on the account, and they are still there. The account has been closed by them. I should not be charged for their additional fees that I didn’t sign up for, but they placed on my account.

Up until this point, I had never been remotely close to missing a payment as I typically kept my balance very low, usually under 30 percent of my credit limit. I was specifically told that due to the miscommunication and timing of the missed payment, the overdue payment would not be reported to the credit bureaus. Two weeks later, it was reported to all three credit bureaus. After speaking to customer service today, I was informed there was nothing they could do and I had to deal with it. This has happened in a very important time in my life and the inaccuracy in reporting has caused me not to be able to purchase a home.

When confirmed, you get an email that template for this has been setup with non-HSBC account holder name and non-HSBC account number, but beneficiary bank as HSBC, not his non-HSBC bank! Then the thick HSBC doesn't realize that it is non-HSBC account number, bank code and of course, the name of the account holder! If you do not notice it and make any online payment or transfer money your money, it will get lost for few weeks. HSBC in UK has been fined millions of dollars for flouting the laws and making their own rules to keep the money, bank charges for their faults and showing you the dead end. Bank with any other, but not HSBC because it is injurious to your health. Their interest rates are the lowest. Foreign exchange remittance rates are simply cheat.

I didn't know if I made it on my due date. My Nov bill came Nov 26 and I saw a P600 late fee for the P492.19 bill. I didn't worry about it because I thought HSBC values their card members and requesting for a courtesy adjustment for a late fee for not receiving my bill will not be a problem. But I learned that this is not the case. I called Nov 26 to request for the reversal of the late fee for not receiving my previous bill and I was told the request will be processed in 3 banking days.

And so I waited, gave them more than 3 banking days. Today, Dec 5, my due date for that said late fee, I called and followed it up. To my further disappointment, I was advised the request is still being processed and investigated and that I have to pay that late fee first to avoid another late fee and interest charge. I escalated it to a supervisor named Jerry ** but he wasn't able to do anything as well for me. He even told me that the turn around time for my request is 3-5 banking days just to say that they are still within the processing time.

But I was told only 3 banking days on Nov 26. I was really disappointed and shocked that HSBC would do this to me. If this is how they treat their card members then I wouldn't be surprised if they will lose their card members one by one. Not only will I stop using my card, I will also tell all my family and friends to never ever use their HSBC cards because the company doesn't know how to value their cardholders.

Well on November 28, I set up an other payment through the autosystem, it ask if I wanted to use my personal bank info. I entered the option for no and entered my fiance's info which the system already had and verified it. I then agree for the payment to be taken out and gave me a confirmation number. Well today, my bank showed a payment of $50.00 taken out and since I have no funds on the account they charged a fee. I called HSBC bank right away and spoke to a rep who was nice and did see the system made the mistake and said, "Well, the payment has not be through yet. We can stop payment and you can call your bank and if we need to send a letter to them to stop payment and waive the fee we will, all you have to do is just call us back and speak to a supervisor." But she then was so sure to take a payment from the correct account and she did.

I called my bank and inform them what HSBC bank rep said, my bank rep them told me they had already paid them that HSBC bank had already cashed my payment. I called them back (HSBC bank) and they turn out they could not help me because their system nevers makes a mistake. So now not only do I have to pay my bank $50.00, but also the NSF fee of $30.00

People, be careful when they offer you a credit card from this bank. They are fake and they love to overcharge. They also charge me a late fee, how nice. This is the worse bank I have dealt with. Worse!

At the time, I was offered unemployment insurance through BFC Insurance Agency of Nevada. I accepted the insurance. About two months later after making some purchases, I lost my job. I filed for unemployment with my state and was awarded it. I was told by BFC Insurance Agency of Nevada that is what I would need to file my claim with them.

Well, that is when the phone calls started from both HSBC credit card agencies multiple times a day. I started off explaining what happened and that I didn't have any money to make payments and that I was filing an unemployment claim with BFC Insurance Agency of Nevada. Well, I was told that they are separate companies and that they do not have to contact anyone it is my responsibility to pay my bills. I sent the claim forms in to BFC Insurance Agency of Nevada as I was asked to.

I waited for about a month with the calls still coming and never heard anything back. So I called them again and was told that they never received the forms so, I mailed them again. More calls. I waited about two weeks this time and called BFC Insurance Agency of Nevada again. I was told that they never received the form and would I send them again just to be safe. So I faxed the forms over and mailed them. I was told that I faxed them to a different department the one that handles claims not the one in the call center so they could not check on the fax, but was assured that it would be taken care of and that I had nothing to worry about. More calls. I waited about two weeks because each time I called, I was told the claim had to be processed and they had no new information. Then I was told that they never received the paper work. So I FedEx-ed it one day before the 180 day mark so they would have it in time.

The claim was not processed for 21 days and I was then told that it was past the 180 days and that the claim was denied. All this time getting 5-10 calls a day from HSBC, some from the normal line some from card services and some from collections.

Then they turned both debts over to a collection agency ARROW Financial. Who then turned it over to a lawyer who sued me. I have paid some of the debt but I don't have the money to fight this in court and cannot seem to get help from anyone. I have tried to file numerous complaints about this and don't seem to get any help. I have called different supervisor and agency both with HSBC and the state and federal governments.

During my research to try and defend myself in court I found out that HSBC and BFC Insurance Agency of Nevada are both part of the same parent company.

Both Tom's Shoes and Nordstroms were denied a sale costing them profits and the cardholder lost time. The account currently has a substantial credit balance, so the cardholder's credit status and payment history were not the problem. However, their security measures border on harassment of the cardholder and online merchants.

However, because of being late in one month, HSBC raised my minimum payment to $62. Meaning, I'll pay a higher minimum, my interest rate increases and it extends my payoff. Watch out if you made a purchase for no-interest providing you pay it off within a certain time frame. Keep in mind all this as a result of being one month late. That’s a thank you for being a good customer? I paid them for two months thinking it was resolved. I received 11 days later (today), a letter threat that I would be reported to the credit bureaus.

I guess they forgot how to credit the payment? I decided to write this so that other consumers might steer away from this lender. I’ve torn up my BB card out of self-respect and that HSBC will not gain from my spending during the holidays or any future time. I also received a letter that their $24 late fee is now $35. I believe the business practices of this particular lender are unreasonably punitive.

On November 7th, I received a letter stating that I have been denied again for a card, so no money has been returned. I have attempted to call HSBC and have been put on hold for over an hour. No one has answered the call. I need help. I am on disability and need my money returned as soon as possible.

I left for Amsterdam and when I checked in to the hotel, I was told by hotel staff that breakfast was not included with the room. Breakfast would be an extra charge. There was no description on my reservation whether breakfast was included or not. Then I was charged 16 euros for breakfasts for which I was told I was not entitled to and I did not eat. When I checked out, I was charged by the manager for breakfast everyday I had stayed in the hotel. The manager told me I had received "bad" information by the staff and that breakfast was included and also, it did not matter if I ate or not, I was going to be charged. I notified HSBC I was over charged and they told me there was nothing they could do for me. I submitted all paperwork they asked for but they still declined to help me.

Later in the vacation, I was blocked out of my HSBC card rendering it totally useless. I received an email saying I needed to contact Union Plus to get it straightened out. I emailed back and I asked if I could get it straightened out via email and they wrote back stating that I would have to contact them in person. I had to pay $2.99/ minute to contact Union Plus and after several minutes on hold they said they had fixed the problem.

It was a week later when I was locked out of my Union Plus card again for no reason. My payment was not delinquent nor was it over the limit. When I got back to the States, I paid off the balance in full and destroyed the card. One would have to be desperate to apply for the HSBC Union Plus card. It and Union Plus and HSBC are worthless.

I was at Best Buy and realized I did not have my usual business credit card with me as it had just expired. So they graciously (I thought) offered me their (I thought) credit card along with a discount for opening the credit. Well, since it was a company I trust (Best Buy.... I mean, they'd never steer me wrong... right?). I went and signed up. I never received an invoice or a card in the mail. When I went by Best Buy twice to inquire, I was told that my balance was zero. I knew this was wrong, but I suppose the thought that I might get away with things, and the company themselves told me I owed nothing, well, just maybe I scored a free $150 item.

But nope, after three months we got the call that we were being charged another $75 in late fees, and that it was my responsibility to pay them invoice or not. They did 'kindly' waive the $15 fee to take my payment over the phone using my bank Routing numbers.... so now I have to worry that they'll draw more out than agreed to, or that they will continually drain my account. (I found this site after my phone calls with them today when I paid). Never ever get store credit if it goes through a rip-shod company such as this... and Best Buy will certainly not get the same amount of respect I've had for it in the past.

For at least a year they have been declining purchases or calling me to confirm them immediately after I make the purchase. Last November, I told them, after the first such annoying call, that I was traveling between [my home state] and [family's home state] and gave them the dates of my trip. They began declining my purchases a day early.

Unbeknownst to me when my credit report was run and I found out that my account had been closed by HSBC. I want to know if this is a fair practice after having no late on my record since 2009. I tried contacting their credit department and the representative was very nasty and stated repeatedly that a credit account can be closed at any time and that they do not reopen closed accounts. I am in the process of contacting them in writing.

I contacted HSBC and asked if there was something we could work out with all these finance fees that I had incurred. They said none and told me that I would have to pay the current bill or else, I will be endorsed to collections. I told them that I could not afford to pay this amount and they said sorry. I called in a few more times trying to get someone that could help me and had no luck. I decided I was just going to pay what I could. Then I received a call from a very nice HSBC lady representative and she informed me that she could help me. She said that if I could make a payment now she would wait until October 3rd for the last amount. She then waived all the finance fees and changed all my preset monthly payments to the new monthly payment and said all will be current from here on as long as I made the October 3rd payment. So I scheduled the October 3rd payment with her that day.

However, I received a call from an HSBC rep and she said that I was behind on my payments and I was going to be turned into collections. I told her I was current and there had to be some mistake. She looked and said yes you are current and I will remove you from the call list. Then I got the new monthly statement and saw this huge bill that was due on October 23rd and all my payments had already posted that I had arranged with the HSBC rep. I then called HSBC and spoke to a gentleman named Brandon who told me I was behind and delinquent on my account. I told him about all the payments I had made and said I should be current. He looked into it further and said that yes, everything was current. I hung up and pondered if all was ok. I looked up online and saw that it wasn't ok. I called back and talked to a lady named Kelly and she was very helpful and said she had been doing this job for 16 years and has never seen an account like this. She said something was very weird. She transferred me to a supervisor and I then started talking to Tamullaa. She said that the account was correct and sorry for the bad information that all her reps had given me. She said that I owed the amount, and that if I wouldn't pay, I would be sent to collections.

Then, they demanded that I get yet another 3rd party to corroborate it! I told them that would cost money and besides, it's all apart in the merchants shop. They said, "If you want your credit, you will find a way." I have jumped through every hoop and they keep coming up with more. I had to pay another mechanic $125 to look at it. The merchant himself even signed a statement of failure to deliver what he promised. HSBC still stalls. On November 2, it will be 3 whole months since the merchant took my car for a 4 day rebuild and still GM stalls!

Last week without any notice, someone at HSBC decided to close my account and send me a check with the fund I had.

I tried to locate my account manager and after one week all he said is that he cannot explain why the account was closed. He explained that was not a personal reason, but that it was part of an audit process the bank is following.

My complaint here is from the day first I was keeping some amount in my account particularly for this purpose, except two or three times, and my loan period was three years. This loan started in 2007, I believe, but still the bank is deducting money from my account, sometimes twice in a month; sometimes once in a month. I paid almost double of the loan amount till now.

Truly, I am upset with the bank and, as soon as I finish this loan matter, I am planning to move to other bank.

I do not remember which one of my other HP number that was registered by HSBC, because I have still 3 others HP number. But the way she talked to me is not friendly. Patronizing me and suspected me as a fake credit card holder.

Please take this complaint into wise consideration so credits card holders will not be disappointed anymore with such uneducated and disrespectful customer service.

Thank you for your attention.

For a long time, I tried doing the internet transaction but it failed on querying through the mail. They sent a huge set of lines called "steps", and that too, was copied from internet. I further called them to ask about what is VBV. The care fellow quickly read the reply, "It's written on your card." Great! And, while finally getting them on the phone during the transaction, they really drag so much that the phone battery died.

I pity the people who are suffering from HSBC. They are highly stupid and bluffing cartoons. Sri Lanka has so much potential but this has been very unfortunate for the customers of HSBC as they keep suffering from their poor services.

All along I was asking for the proper settlement paper work, which I was told was being sent to me each time I asked about it, but it never came. Now after a year of making my final payment, I receive a call from a collection agency. I went through a lot to try and resolve this. I had people at HSBC tell me they were going to buy back the account, just to get another call from the collection agency.

Okay, let’s just say I did make it up (which they insinuated once), which is the farthest thing from the truth. Where did my 6 payments go because the balance is still $3,500? I have all of my canceled checks and bank statements, showing where they took it out of my account!

I would really like to hear from someone that can help. After trying to clear this account and fix my credit, it has been reflecting on it the whole time. This is not fair. Just because a big credit card company said they didn’t make the agreement, doesn’t make it so!

Be aware, this is a very difficult bank to deal with. They started by harassing us with early morning phone calls because they would not leave a message. We thought they were sales calls so we ignored them. That was only the start of their rude behavior. The fact that you are never late for a payment, like we are, will mean nothing to them. When we finally talked with someone, we got the familiar runaround that others on this blog have complained about. After transferring us 4 times, we finally thought we were talking with someone that could solve the issue. Instead, she used strong arm tactics to get their late charge. Not only that, they now insisted that we pay not only for the missing check that they lost but also next month's bill before it was due. After a very heated discussion, I finally hung up on them.

Bottom line, HSBC Bank has no customer service and does not value their customers. They will harass you and treat you like dirt just to get their late fees even if it is their mistake. Isn't that fraud? From this report, and all those that preceded me, you are warned if you deal with them. There is even the slightest irregularity, you (the consumer) will lose. All these complaints are here for a reason. I learned the hard way.

They sometimes start collection calls before the bill is even due. They will not leave a message and they will call up to 20 times a day. I am not kidding. Even if you pay on time, you are subject to this and the calls don't stop with the payment. They can continue for up to 48 hours, and I'm talking about on-time payments here.

It turns out the check was sent twice to the wrong address. Since I have been living in Texas, I have been receiving all my correspondence from HSBC at my new address and to top all of that off, every time I spoke with a representative, they made sure the address they had on file for me was my actual address. The bottom line is that the supervisor I spoke with said their policy requires them to cancel the check and receive confirmation before they could reissue me another refund. I was not told this by the rep I spoke with on April 6. I feel that I am on hold because of their mistake. For the life of me, I can't understand why someone in that organization could not make an alternate arrangements for $309 to a loyal customer.

When I inquired as to the status of the accumulated earnings accrued (exceeding $4,000), I was additionally informed that the earnings had been forfeited. At the time the account was canceled, there was no balance outstanding on the account. All undisputed charges including interest and late charges during the period of use had been paid in full. To the best of my knowledge, no external collection efforts were necessary on the part of your organization to collect any of the incurred charges.

Based upon my history of using this card for purchases in excess of $80k, I am at a loss to understand the rationale in canceling the card, although I fully understand that it is within the privilege of HSBC Bank to do so. When I inquired as to the notice of cancellation allegedly sent to me, the representative was vague. I do not recall receiving notice by email; the address of which is on file with my account information. If the email was indeed the method of notification, a prudent method to separate this critical email from other junk email I received on a regular basis from GM Card would have been to have account cancellation or similar language in the subject heading. I also do not recall receiving notification by letter or by telephone, which is also on file. When I was past due on a few hundred dollars, I would receive a call from GM Card, but when $4k in accumulated earnings are forfeited, apparently, that is not worthy of positive notification.

When I requested a copy of the cancellation letter be emailed or sent by regular mail, the representative told me that their system could not accommodate me. When I asked for proof of mailing of a cancellation notification, I was informed that no such proof was available. I feel that this $4k in accumulated earnings has been stolen from me without proper cause or notification. Prior to the cancellation of the card, I had relegated the card to secondary or tertiary use because of the high rate of interest charge compared to other cards issued by other banks. I strongly believe that the lack of activity was a primary factor on the part of HSBC Bank in canceling the card and removing the obligation to honor the significant earnings attributable to prior use of the card.

I am forced to file chapter 7 and told them that they will get a notice in the mail. They don't seem to care one way or another. I should think this is a breach of contract, but I'm sure their legal department would find a way to say otherwise. I have never been late on a payment the whole time, until I exhausted my finances just a few months ago. They are still charging the fee, late fees, and on. I am through with credit cards and corporate America. I am going to a cash only basis. These darn companies are not going to get another dime out of me till the day I die.

I can't understand why they are calling me the day after Christmas, talking about late fees that don't exist. I told the representative not to call me again, unless my payment was late. He became rude and asked to pay something extra every month towards the late fees. I told him that I am on a modification program and disabled due to breast cancer. He continued to be rude and I finally disconnected the call. I truly don't owe any late fees and I refuse to pay for what I don't owe. This mortgage company is very unprofessional and annoying. They need to be investigated as soon as possible.

The first time I was turned down because the bank said I have an excess in income. My husband is a full time student in medical school, and receives financial aid loans, which I believe are not considered to be income. The money he receives, less than $10,000 per year, is combined with my income to pay the bills, and is what is left over after tuition and all expenses for his education are paid (i.e. books, equipment, board exams, fees as well as travel expenses). The bank asked for this money to be considered, because my income alone can not pay all the bills, and they want to know how the bills are paid, which I can understand. My issue is that, as I said, I have applied 3 times. The first denial was due to excessive income.

The second application was lost on their end (I faxed all requested material from my local HSBC branch) and was told that I would need to reapply. I filled out another form, and again returned the requested material via fax through my local branch. About 4 months after resubmitting my information, I called the bank and was told that my applications were denied, and as of today, have not received any information in regard to this denial. I feel that the treatment I have received from HSBC, in regard to this matter has been unfair, and this program with all the "guidelines" as put forth by the "White House" is very confusing. In the beginning of September 2010, I became very sick and was hospitalized, and now have a few thousand dollars worth of co-pays, which is causing me more headaches and stress, because I cannot get my mortgage payment lowered.

I have also heard that HSBC only does a 6 month modification, and these people who are lucky enough to get them, have to fight for them. Last week, I again spoke with the bank, and was offered the options of doing a "short sale" or a "voluntary foreclosure". This is also very unnerving, as I am beginning to feel as though my hands are being tied, and have no options to make my home more affordable, per President Obama's plan.

The economic and physical issues are an interest rate at 8%. My mortgage is less than 30 days past due. I have been asking for help with decreasing my interest rate. I am beginning to feel as though I am going to lose my house, which I have struggled to maintain since my disability. The stress involved with trying to get help for this issue, is very bad for my health, both physically and emotionally. I have had my mortgage since August of 1995. I have no interest in losing my home, and feel as though I am being alienated and discriminated against, because of my lack of income, which has resulted from the MVAs. We, for the most part, keep our mortgage current (i.e. never more than 30 days late).

I questioned the "person" about this in customer service and they decided to advise me of how I could make my payments on time and basically making me feel like an infant over the phone. I then proceeded to ask for a supervisor and after waiting thirty minutes with pauses every two minutes of "please wait", I disconnected and called back in. After calling back in, I immediately asked for a supervisor and somehow got one in under twenty minutes this time around. I advised the supervisor of what was going on and that was when things started to go downhill. They said they would take care of the fee as I have never been late. I advised them that "I know I have never been late" and started to ask why my payment due date was changed without getting it in writing and changing my card member's agreement.

I was then advised that this information was shared on the website that you get directed to here on Best Buy to manage my account online. I told him there was no such disclaimer as I have searched through the link and even had to get a copy of my card member's agreement sent by mail as they do not let you view it online. By law, creditors are supposed to advise you in written form if there is going to be a change made to your card member's agreement. I have not received one bit of information that has advised me that any changes were to be made to my account. I was then told by "the supervisor" that HSBC has been giving me a pad or grace period over the last couple months and decided they were removing that and that was why my payment due date has changed. At this time, I was beyond angry and did advise him that this information had to be disclosed to me in writing to stay within credit card laws.

So a little more background, I made payments on the 24th of October, the 24th of September, the 10th of September, and the 8th of August. I sometimes make an extra payment to cut the interest charge and to pay the principal down faster. My last payment due date showed as November the 2nd and the one before that was October the 2nd. So as far as I can tell, just for the fun of it, HSBC decided to change my payment due date, not disclose this information to me, charge me a late fee, argue with me over the phone that "he knew times were tough" and to educate me on how to pay my bill on time. Frustrating to say the least. Well, I am thinking going forward that I do not need to do business with HSBC or anyone that does business with them. The account will be closed after it is paid in full and I reported this to the BBB and anyone else that will possibly listen.

I have never had my intelligence questioned like I had happen tonight on the phone and I didn't even get into a lot of the "talk down to comments" their "supervisor" had to say about me. I work in the credit card business now and will be finding the right avenues to pursue this shady practice going forward also as the new laws that took effect in 02/10 clearly state that any change of due date has to be in writing. Sorry for the long drawn out post and story but I wanted to make others aware of what has taken place.

Why are there rules and regulations allowing credit card companies to rob/steal from good people? I am a good person, but I feel like I have been robbed. GM Mastercard/HSBC Card Services has lost me as a loyal customer. My credit rating has dropped because I was not able to make the increasing payments they wanted. I had medical issues that needed to be taken care of and this problem just escalated it. I do not think I will be able to get a loan to pay them off because of the hit my credit score took. I do not know what I can do at this time, I feel hopeless!!

I'm a member of Lifelock and they notified me that HSBC had ran a credit check on a credit card application. But HSBC still denies any wrong-doing even though the credit came back with a fraud warning. Illegals applying for credit with false ID's makes no difference to HSBC because it's just more money for the bank. Another credit check was run in Sept. by HSBC (in California). But HSBC denies that also. (Even though it's on my credit report). Cancel your HSBC Cards and go through a credit union (usually with lower rates). HSBC has a bad history of giving card to illegals.

To my unfortunate situation, my father passed away in 2010 and it’s been a difficult time for the entire family in addition to the emotional distress of not knowing if we are going to have a home for my children to live in. We are asking for an investigation against HSBC for not being in compliance with the Making Home Affordable program to allow homeowners an opportunity to modify their loan and for the practices and procedures in which they are functioning. My family and I want to keep our home and I request a permanent modification.

They refused to take it off our credit report and refused to take the late fee off. It took me two days to be able to speak to a manager and they sounded like a broken record, like they are reading from a script or something. They looked back at our history and agreed that they had always received the payment the first business day of every month, but refused to change anything even though the evidence is crystal clear. To make matters worse, they asked what bank we use and made a derogatory statement about our bank. We bank with USAA and have never had any problems with them! After doing research, it appears to me that this company does this more often than we would like to think. I am guessing it is done so they can make money on these "same as cash" accounts, plus in the end they get their money quicker.

We had perfect credit before this, they can see we are good paying consumers. We have had other accounts with them and always paid them on time and paid them off before the promotional period ended. I will never ever do business with these people again and would advise others to stay away from them. I am also going to write Best Buy a letter and let them know what kind of company they are doing business with.

This morning, my pay check was direct deposited into my savings account. I went to withdraw funds to make my mortgage payment and the bank had transferred $478 into my checking to cover the overdraft caused strictly by their fees. Now I don't have enough money to pay my mortgage that is due today and will likely incur a fee there, too.

Isn't it my right as an American to have my application processed? They don't return calls. They have lied to me on several occasions. They won't send me a copy of the promissory note which I've requested on numerous occasions. In addition, they want me to pay them $10,000 in attorney fees. For what? They won't specify. Please help me. I don't want to lose my house. I have 2 small children. I went through a divorce and chemotherapy this past year. I have spent hours every day faxing and overnighting them info and trying to reach them on the phone.

My home has equity and I am devastated at not being given an opportunity to protect it. I've begged them for at least a month while they process my HAMP application or to at least give me a chance to try to sell my home on my own. They have never responded. And to the best of my knowledge, they're taking my home next week.

I called and spoke to their foreign soil customer service department and after about 45 minutes and 1 supervisor later, problem solved. She claimed to credit me back and then reduce my rate back to normal. 3 months later, I used my card and when I got the invoice, the interest rate was 30.99%. I immediately called them as Jews frustrated beyond belief.

I went to the second tier supervisor, at which point I was told that they were not going to change it and that they never promised to to so. I asked her to check the notes on the account and the only thing there, was the fee reimbursement. I asked for her supervisor and she hung up on me. I am now 2 wasted hours into the process and completely helpless. I went to their online support and filed a complaint.

Scott at HSBC tells me that when the government passed the credit card law, it states that HSBC can only reduce interest rates, if the customers rates are above the promotional rate. Scott said the promotional rate is 24.99% and my rate would have to be 27.99% or higher, before I could get relief. When I told him all my other credit card companies have agreed to lower their interest rates, he said that HSBC's interpretation of the law is not the same as other credit card companies. How can HSBC get by with using this new law against good customers, who want to pay their bills?

At this interest rate of 24.99% it will take me 20 years to pay off with making the minimum payment. With all the credit card companies raising the minimum payments and interest rates, one can not get a handle on paying them off.

In December, 2009, our roof started leaking. I called our homeowners insurance and very quickly they sent a check for $2,600 to cover the interior damage only. The check was made payable to us and Beneficial. When I spoke with Beneficial, I was told that we would have to endorse the check to them and they would distribute funds as the work was completed. Since we could not fix the roof, I canceled the claim.

In June, 2010, we borrowed money to fix the roof and reopened the claim for the interior work. Very quickly, again, the insurance company sent us a check made payable to us and Beneficial. I called them, took down all the info, endorsed the check and sent it to them with the required documents (contractors bid, insurance loss statement, etc.).

They are continuing to charge me escrow and just this week made a payment to my canceled homeowners insurance company (yes, I canceled the policy that made the check payable to them after I found out that that was not required on checks under $5000).

So here I sit, paying out interest on not just the roof but the interior work that was done while they sit with my money. I've reported it to the Attorney General and they forwarded it on to the OCC. I'm hoping to find others with complaints, perhaps, we can get a class action suit going? These people should be put out of business!

Continuous misguidance by their home loan department is horrific and now I really need some concrete explanation to my ordeal or it is actually leading me to file a suit against HSBC for Mental Harassment. The case history is as below.

The first time I approached HSBC was in January for a home loan to which the executives I met was Ms.** and Mr. ** (Their GK-1,, New Delhi Branch). All my papers were checked and I was assured of a loan and approx Rs. 5000+ processing fee was taken from me. After this it all started to go off the way. Sometimes, it was told to me that the more papers were required to which I kept on giving them, as per their demands. But things kept on coming intermittently.

I was shocked that, there was no system on what all paper work was actually required which HSBC could ask me in a single go. Anyways, after all this tussle my home loan was rejected on the pretext that I was not carrying the registry of the property I was going to purchase. Now, can somebody tell me that how can I register a property in my name till I make payment for that. I was really annoyed at that time but had to swallow the blood shot as I really needed a loan as time was running out. I got that with a breeze with Axis bank and things are going perfectly smooth with them with my perfect paperwork and payment record.

Now since I have the property registered in my name (which makes sense as I could do this only after I have cleared off all the payments to the seller), I thought of again approaching HSBC for Smart Home Loan in July.

Once again, I approached their Ms. ** from their GK-1 branch and this time Mr. ** was assigned to me as Mr. ** I had been dealing with earlier had left the organization (that's what I was told). Now, the second set of my ordeal starts. Once again, all paperwork perfect in place from my side, property registry was in place as was earlier an objection by HSBC and once again I was assured of a loan. I kept on providing what all more documents were requested by Ms. ** and Mr. **. But after a while there was absolute silence from HSBC's side. It started annoying me as just no one called to update me on the status.

Finally, I started calling up Ms. ** and Mr. **. But in spite of my continuous calls and SMSs no reply was given. Then suddenly ** took the call and told me that I could not be given a loan as my CIBIL report had a problem. Now as a layman, I asked an explanation and a written confirmation from HSBC that this was the problem. I again had a long silence from HSBC and once again after a number of calls ** told me that, he has no access to the reports and he cannot send me the details.

Herein I asked him what should I do as he was the banker and me a layman to which I just got a cold shoulder. Finally, I had no choice to look up with my colleagues and internet for a solution as I could not take my CIBIL problem (which I was sure that I had done no wrong and this report cannot go against me) lightly. I got info on internet and I approached CIBIL directly for my report after paying their fee. I got my report from CIBIL in a few days time and it was absolutely clear. When I communicated this to **, he said that hell come back with an answer.

Now, the next set of ordeal starts. After a few days I got a call from ** that it was not my CIBIL report which was a problem but my Credit Card (which is again with HSBC) has a problem. I said that how is it possible when all my payments are clear and again as per me and I have done no default nor it has been told to me by HSBC credit card department. I asked once again for an explanation to which I got no answer. After this Mr. ** from loans department telling me the same thing that my credit card with HSBC is a problem now. I asked him to check with the credit cards department to which he said that he'll come back in 2 days. On the same day, I called up credit cards department to check my credentials and they confirmed that my record was perfect and there was no problem at all from their side.

I waited for 2 days for Mr. ** to respond as I was too exhausted doing this follow-up but to my surprise when I SMS him to answer, I got a reply that he will not be able to answer as he was no longer in the department. When I asked him to let me know the contact of the person replacing him or someone who can offer me an explanation, till date I have no answer from HSBC.

I'm writing here now as a last resort, I really want to take legal action against them and make them bleed from wherever possible. Can anybody help me with legal advice and way forward in this. Any help would be appreciated. Sorry for the long mail, but could not help detailing it out. Thanks.

I spoke to David at HSBC on Wednesday Sept 8, 2010 at 11:30 am. He said, he would put in a request to overnight me a check back for the $201.00 since they were not authorized to take the payment out of my account. I waited until Friday, September 10, 2010 and didn't receive a check. I called back again and spoke to the manager Jamie and she said she was putting in a request to have a check sent to my mother who's name the account was under since they cannot issue a check to someone not on the account, as I explained to her you took the money from a person not named on the account as of today. I still have not received a check back from this company in the amount of $201.00.

I thought the law states if you have an authorization from a person you can withdraw funds if you don't have authorization you may not withdraw funds, can you please look into this matter for me as I am very frustrated with this company. Thank you.

So meanwhile, I look up on my statement, and sure enough, it was mailed out on 8/25/2010. I sent a whole bunch of bills that day , so I don't know what happened, but I do understand sometimes there might be a delay with the mail, so I thought I'll give it a couple of days yet, and check on it again.

Well, then something really strange happened. My roommate tries to use her HSBC Premium MC this morning and it is declined. Now this card is not maxed, and is always paid on time as well. So we called HSBC to find out. Guess what? They have not received payment, and the gentleman on the phone says maybe we should check with our bank to make sure check has not been cashed. Sounds like a good idea, that's what we did on both our accounts.

So, we find that all our other checks sent on 8/25/2010 are back and cleared. Except the HSBC checks on both accounts! How strange. What is going on? Because this sure does seem ironic. Then we come on your site and see all these people claiming basically the same thing. This is not right, that HSBC is doing this to people, and we believe it is to charge the $39.00 late fee. Could they be holding checks?

I don't like my credit looking as though I'm late on payments, and I sure don't like paying fees that are not legit! If they are indeed getting $39.00 per person, that is quite a bit of money and a downright shame if this is how this company is recouping losses. Please check into this, as there are far too many coincidences of this nature.

Every time you try to talk to customer service, they pass you from one to another, and keep doing this. You have to keep re-explaining the problem. Well, you get so annoyed by having to do this, you finally give up, which is what they want. But they actually had me on the phone 1 day for 2 hours passing me around. I really did get frustrated and gave up. That was on a promotion Best Buy was running for 6 months with no interest, which is what I do for bigger purchases. So I don't get interest on it.

Well even though this an HSBC "Best Buy" Rewards card, it is not a Best Buy card and they cannot honor the 6-month no interest policy. What a bunch of **. They had me going back and fourth like a yo-yo, between HSBC and Best Buy. I just gave up and paid the interest. When this card is finished being paid, it will be closed because this sure seemed like HSBC does not honor Best Buy's advertising. How ironic!

All we could do with it was signing it and send it to HSBC. We sent it to them in late May, after getting several estimates from local contractors to do the work. We chose our contractor, but he was booked up for a few weeks due to the number of homes in the area suffering damage at the same time. So he dragged his feet a bit in getting his W-9 to HSBC, since they started work had to be completed within 30 days after the first draft was issued. He faxed his W-9 to HSBC on about June 20th. After more than a month, and several phone calls to HSBC's Loss Draft Dept, they finally issued a check for 1/3 of the total, as is their policy, on July 30th.

We received the check on August 7th, a Saturday. Our contractor started work on the roof portion of the job on August 10th, and completed that phase the next day, including the removal of a tree that was grown into the side of the garage. We called HSBC on August 10th to arrange for their inspector to come out so that we could get the remaining funds released and finish the work. Their inspector came on August 20th. He deemed the work 70% complete, meaning that 100% of the remaining funds would be released. He assured us that the report would be electronically sent to HSBC that evening. The next week, still no check. I called HSBC on about August 25th to check the status. They said they had not received the inspection report. I let the agent know that it had been sent to them several days earlier. After several minutes on hold, the agent came back and said they had found the inspection report and that it would be sent straight over to the adjusters.

Several phone calls later, today is September 9th, and we still have no check. My wife was told on the phone by HSBC today that the check was sent today. I will believe it when we see the check in our mailbox. Today is 30 days since the initial work was completed, and 31 days since the inspection was requested.

Well, the loan went through and eventually, my mortgage account ended up in the hands of HSBC Mortgage Services. I had a flexible rate mortgage. As time went on, the payments kept crawling up, making it harder for me to make the payments. I am the bread winner of the household and it was hard for me to make those payments. The payments went from like $399 to $530 and I had to maintain homeowners insurance.

I tried to get the loan restructured or refinanced, but no one would take me. I called HSBC many times to see if they would do a refinance so the mortgage payment would be lowered and at a fixed rate. Each time I would try, they would tell me that my credit score needed to be a little higher or I just didn't qualify. Even though I struggled with the payments, they were always on time. I maintained everything for about seven years in the house. Well, in 2008, I lost my job. I called HSBC about the situation and explained everything.

Then, they finally did a modification. They set the payments up at a low 4.25% rate. This brought the payments down to $247 a month. Now, why could they have not done this in the beginning? The drawback with this is the payments would only be set up like that for six months and they were going to go back to the original setup. Well, I panicked and moved because I didn't know how I was going to keep this up. I wasn't for sure if and when I would find another full time job. I felt I was just throwing money in the wind by staying.

With the way they had the original payment plan set up as a flexible rate mortgage, I would have never paid for the home. I was paying interest-only payments, hardly any of it was going toward the principle amount. They were ripping me off and getting away with it. Within a short few months after I moved out of my home, they found me at my new address.

They wrote a letter and called stating what is in the contract and my obligations. I wrote them back and told them I realized they were ripping me off and how much money I had already been out with them. I just let them have it. They never wrote me back or called anymore. They let me be. I haven't heard from them in two years, and this September 2010. I moved out in July 2008. They haven't foreclosed on the home nor have they kept up the taxes on it.

The tax card was sent to me at my new address. The house needs lots of repairs, in the state it is in now, with no one living in it, it could almost classify as a condemned home. It is not worth nowhere near what is owed on the mortgage. This may be why I haven't heard anything back from HSBC--because they have probably had someone come out to look at the property. Despite all of that, I would still like to have the house back.

I just feel like our household is being harassed by them. My fiance has a card from them but he is not in debt with them. It is very annoying to wait on important phone calls and get this crap from them.

Today is August 16, and I looked my bill up online and found that the interest rate is still at 31%. I immediately called and spoke to Candace who informed me that I was communicated with last October that this change was coming and that I had the opportunity to ‘opt out’ and I didn't so therefore, the new permanent rate is 31% and there is nothing that can be done! This is crazy. What happened to helping out the consumers and lowering interest rates in an effort to be charging a fair, valid finance charge. I desperately am trying to pay down and close this account but with this happening I'll never get it to a reasonable place. Can you please help?

As for the other accounts, I'm a secondary cardholder on my husband's account, which I mentioned to her. She stated that it doesn't matter if I'm just a second cardholder, HSBC looks at the accounts under my name. HSBC did this same thing to my husband last year, and not increased the limit. What's the point of that? Nothing! This is ridiculous! I usually pay my bill on time (probably late 1-2 times by a day, two days max), I've had my card for over 2 years with no credit limit increases, and no decrease in the finance charges. The rep said there was nothing she can do, not even lower my finance charges.

HSBC needs to realize that in this economy, some people depend on their credit cards. Like I said before, I've always paid on time, and always pay more than minimum. I even told her, if this is how HSBC treats their loyal customers, I just might take my business elsewhere. Why are they even allowed to do this?

I was never informed about it. So when we made it was not for the full amount. So they reported it to the credit company. I never got a letter stating I had been declined for the loan mod. I've was sending in my payments as I was instructed, and have never been late on my mortgage since I've been with HSBC. This error was not of my doing, and HSBC should have never report derogatory information on us. HSBC is reporting derogatory information on us. Now our credit is completely ruined, and I can't even apply for a refinance, because of a mistake they made. Our rate with HSBC is 11%. Every time we get close or call about a paid off. They put something derogatory on our report so we can't leave. And they won't redo the loan, since they are not taking on any new loans.

I told them that I would never pay twice in a month, that I always pay earlier but not twice, and they said that it was my fault by paying so early, I told him that they were ridiculously stupid, by turning away a customer that pays on time, and after a very long discussion they agreed to take off one of my late fees as a "courtesy" ja ja ja so funny! So after this act of highway robbery, I will pay the minimum until I complete my grace period on an interest rate and never deal with this credit institution again. So please check your monthly statement to make sure they don't steal from you, as they have done with so many of their customers.

Nine months later, on June 28, 2010 I, was contacted by Allied Interstate Collection Agency from Columbus, Ohio. They informed me that I owe a bill of around $260.00 from this same Best Buy transaction Credit Card HSBC. I told them they where wrong and this account was closed a year ago in Sept 2009. They stated they had no record of the penalty being paid off and the same day that I paid it off, it was sent to another collections agency for collection. I asked the file to be placed in dispute because this Credit card was closed out.

They said they would contact me in about a week. Four weeks went by , they made no contacts to me or my wife. I did also request a bill by mail service for some kind of documentation. I received nothing per my request. They inform me that my file was turned over to a different credit agency, but did not know who. In dealing with Best Buy on a forum, they informed me that this file was turned over to Resurgent Capital Service. I called them. They informed me that they have my account for collection. The amount was up $299.20.

I informed her that this HSBC Credit Card was closed out 1 year ago. She had no concerns of my problems. She wanted to stretch it out for 2 more weeks for review but the interest would keep adding on. This credit agency like all are remorse people hard to negotiate and sometimes hard to understand people. Every agent that I talked to dealing with HSBC were the same way in manner also. I have been scammed by Best Buy, HSBC and now this Resurgent Capital. They left me without any option to pay this bill, that should not have been! They asked me what I would like to pay to resolve. I stated $0, they would not accept knowing that this is a scam to say I'm guilty.

You tell me what I have to pay? She stated not a word. I stated $100.00 and she said no, that I would have to pay at least 50%. I wanted to report to your firm because I have researched on the web and found out that these companies have many complaints like myself. I was bullied into paying a past credit which was closed out last year. They call me 1 year later, nothing in between. No emails no mail service, even when I requested HSBC to do so. All I have for my proof was a canceled check and an empty promise from the HSBC credit scam, a promise, that if I pay the amount not to be bothered again.

Numerous times, each collecting agent that I spoke to, I have requested documents though the US mail service. "Thank you," they said, no to having supporting documentation for my records. They don't do the mail. I asked these agents to confirm my address they did but they would not send me anything in the mail. I was forced to pay this bill because it was increasing in interest. I paid with a letter attached in protest that they would hear from me again hopefully some legal way. This is my story. No, I do not have any documents.

Last years receipt and my wife can't find the cancelled check. HSBC has all the cards. HSBC states before each call for your permission to record these conversations for their training and to have it on record. Unfortunately, they cannot find my recording of my first settlement. Surprise!! Yes they told me that my credit card was closed out last year but my penalty charges were sold to another collections agency for collection, without my knowledge.

I tried to resolve this with a Best Buy on line Agent; she was no help to me. She advised me to settle fast. Now for my records, I have a recording of the last agent negotiating with me. She consented not to be recorded. I was not going to let this happen to me again after the first time. I did request a receipt for my payment. She was reluctant but she will, if I call her back in 5 working days. It's big news now how these HSBC Credit Agencies are using this form of harassment in debt collection working to their advantages. One more comment and then I will go. Every agent that I talked to are foreign and hard to understand in English. They talk like robotic computers only to say what their computer screen states in front of them. They will not go off their path to resolve or hear any issue that you have to state. I reported my complaints to the BBB ,Attorney General of SC and Attorney General of Pa. I just would like to get the word out there.

A couple of days after, I called and spoke to another person, explained the situation, and stated that it was outrageous that they were charging me $150 for a bill that was less than $4 three or four months earlier. In order to be over with it, it offered $100 so they would simply consider everything paid in full. She did accept. I paid, she said that the account was paid in full and closed. I don't even have a card from them anymore and I believe the account was closed.

Now, I just received a new bill from them for the amount of 12 cents, stating that they are charging me 12 cents for interest credit adjustment. 12 cents shouldn't even cover their expense in paperwork to issue and mail a bill. However, they are charging me still, which means for them my account is still subject to charges. I deeply regret that I once had a credit card from this institution. It has been a nightmare to deal with this institution. I would advise anyone to stay away from this disrespectful institution.

It resulted in a lack of mental peace to be charged outrageously and treated like I was a criminal for not having being able to pay less than $4 on time.

I financed $700 for a TV for 0% APR financing for 18 months. In 16 months time, I went into Best Buy and used the card three other times. Three additional promotions were placed on my card when I used it without my knowledge, so $250 in money that I was overpaying towards the $700 finance offer went to these other promotions, ridiculous! I now owe them $420 instead of $170, and if I don't pay them in full by the middle of next month, they will put the deferred interest on my account.

Upon my return (in June of 2008), I requested that HSBC change my mailing address back to my home address, and they requested that I fax them a written request. I did so.

For the next three months I continued to receive bills at my mother's house. In September, I made the request again, and asked to be set up for online account management. HSBC ignored these requests. In November, I was late on a payment as a result of having to drive an hour away to pick up my bill.

HSBC froze my account, and told me that I wouldn't have access to my credit line until I paid my bill on time for 6 months. It's been 7 months, and I've judiciously paid on time every month. HSBC has not released my credit, nor will they allow me to open an online management account.

I now see from my statements that they have been processing my mailed checks exactly one or two days after the due date, every month. I am certain that they are receiving them before then. It seems as though this is a calculated move to keep currency from leaving their hands, but still maintain an inflow. Wondering if anyone else has a similar experience.

HSBC documentation shows that their inspector was here on 6/24 and marked repairs at 90% complete, and on 7/10 repairs were marked at 100% complete. To date, HSBC will inform me when to expect proceeds although all the required documentation is on file with HSBC.

They, (the receptionist and manager), spent one minute thinking about it, and said "No, we can't help you." Thank you so much HSBC for ruining what was previously a good relationship. I always spoke highly of the bank to my friends but those days are over. I will now tell them to look elsewhere; that the bank does not care about their customers, not even in the event of a disaster.

On June 30, 2010, I had not received a phone call from Chris, but I had received my new bank ATM card. I left another message asking him to please contact me as soon as he could. In the mean time no temporary credit had been placed on my account and I had been receiving collections calls from HSBC regarding my checking account that Chris was supposed to be investigating.

On July 6, 2010, I received a letter from the HSBC stating that my claim was rejected. I proceeded to call the number on the letter and the representative transferred me to Chris, the manager who told me that since my PIN number was used that the claim is rejected. I told her that these were not my charges and I have been calling Chris, my claims officer, for the past two weeks and hadn't gotten any response. She promptly told me that Chris was out on a vacation and that is the reason why, as told, I had the other representative transfer me to her. She then proceeded to tell me that I have to go to the police station and file a claim with them and fax it back to her office.

I was to call in a week time to ensure they got my fax and then they would start the process over. Needless to say, I was quite frustrated once again. She told me my account was in collection and that she will place a note on the account stating that I am going to the police to file a claim. I told her my account is overdrawn because of the fraud charges. She told me that my overdraft kicked in that is why my account was allowed to go over by so much. I have never requested an overdraft protection; each time a teller or a customer service representative would ask me to join, I have said no. So, why would it kick in? That same day I received another call from collections, which I told the person, Maria, that I spoke to the security department earlier in the day and that she was supposed to have placed a note on my account. Maria told me she saw no such note.

I do not understand how my claim was rejected when Chris, my claims officer, was on vacation for the past two weeks therefore, who was working on this case? How come I never received a temporary credit for the investigation while it was ongoing and why was collections calling me about my checking account being overdrawn on charges that I said were fraud.

Some of these charges were done on days I worked in NJ and the charges were made in the Bronx. I only have one card on the account, so it is humanly impossible to be in two different states at once. I do not think any investigation was done. I think HSBC has a form letter that goes out when a PIN number is used in the fraud transactions. I think my case was handled incorrectly from the start. My checking account is overdrawn by an estimated $900.

My First BBB LHR Letter: "I am writing to inform LHR that you are reporting several pieces of erroneous and illegal information on my credit reports in complete violation of FCRA and FDCPA legislation. According to my credit reports your company started to report in 2009, LHR, Inc is listed as a Factoring Company. That I have an Installment account, with 1 month terms with an Open status with your company. Everyone knows that LHR is not a Factoring Company. You can't be a Factoring Company because LHR purchased debts that are already in default and charged off.

"So far, these are the many violations that I have found that your company has violated. Please note that by verifying this information to the credit reporting agencies you have basically stated that everything you reported you knowing voided the following:

"8) Also, factoring is controlled strictly by Article 9 of the UCC, than factoring must be restricted to the kinds of secured transactions (goods and services) and accounts governed by the UCC. Consumer credit card debt is specifically excluded. Accounts transferred strictly for the purposes of collection are also excluded. The UCC article 9 goes into more detail. The point that I am making is that Credit Card debt can NOT be factored and COLLECTION ACCOUNTS can't be factored, then listing these types of accounts as Factoring Company Accounts is a violation of the both the FCRA and FDCPA"

LHR BBB Response: "We are in receipt of your 6/16/10 correspondence regarding the above referenced complaint. Please be advised that our office has investigated the matter and is taking the following position: LHR Inc purchased [consumer] charged-off HSBC/Direct Marketing account from the original creditor pursuant to a valid purchase agreement with assignment on 6/23/09. (Never provided copy of) LHR reports solely to Experian enclosed is a Bulls-eye copy (will provide if requested) of our reporting. If Experian shares information with the other reporting agencies we cannot control that. As far as the difference in balances this account is accumulating interest. Lastly the credit reporting agencies define Factoring Company as: Factoring Company - A company that purchases accounts with the intent of collecting debts owed. LHR will continue to report this account as disputed, if consumer wants to resolve account consumer can call 1-800- or go to lhrpay.com. In addition, LHR Inc. strictly adheres to the FDCPA and does not condone unlawful debt collection practices by any of its employees. Thank you again for bringing this matter to our attention and please feel free to contact me with any questions that you may have. "

My LHR BBB Response to the above: "I dispute LHR justification of this listing. LHR mentioned in their response that they used the definition of debt buyer given by the Credit Bureaus definition of "Factoring Account" and that LHR strictly adheres to the FDCPA. If that is the case then LHR just contradicted themselves by not adhere to what the FDCPA says about "Factoring Accounts" and instead using the CDIA manual which credit bureaus use in order to guide business in reporting to the Credit Bureaus.

"LHR violated 15 USC 1692e(12)- labeling the account as Factoring Company account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value. Also, factoring is controlled strictly by Article 9 of the UCC, and then factoring must be restricted to the kinds of secured transactions (goods and services) and accounts governed by the UCC. Consumer credit card debt is specifically excluded. Accounts transferred strictly for the purposes of collection are also excluded. The UCC article 9 goes into more detail. The point that I am making is that Credit Card debt can NOT be factored and collection accounts can't be factored, then listing these types of accounts as factoring Company Account is a violation of the both the FCRA and FDCPA. Now since LHR wants to ignore the above and continue reporting as a factoring account they are violating:

"LHR has violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as an factoring account installment 1 month term to deceive current and potential creditors and to negatively impact my credit scores. Now if LHR is wondering why they are violating this, I will be happy to explain. By reporting the account as above it appears on all credit reports not as a collection but as an installment loan in which it notes that I am currently past 180 days on. An installment account other than a mortgage takes a more dramatic hit on credit scores than a collection account. Collection agencies are supposed to report as collection accounts. "In the letter from LHR they also stated that they never reported the information to any other credit reporting agencies outside of Experian. I disputed the trade line multiple times with Transunion which LHR verified as correct. The account balance on Transunion is different than on Experian credit report. In the letter LHR provided they stated that the balance difference came from interest. Since LHR in the past have never provided me with any proof that they were assigned the debt outside of what was stated on the letter they gave I have never been given any proof of the account transactions and how interest would have been calculated on this debt. Since I asked LHR for proof and in the letter it is just because I said so. We are charging you interest.

"They are in violation of: LHR has violated FDCPA 808. LHR shows that the balance due is higher than the original amount on this debt. Please note that this sections states that The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Also in LHR letter it sounded as if LHR was trying to say since they use the CDIA/Metro2 software to report to the credit reporting bureaus that. Whatever that manual says is accurate and makes them in strict compliance with the FDCPA. LHR should have read the Disclaimer Section.

"Documented From Disclaimer in CDIA/Metro 2 Manual. The Credit Reporting Resource Guide (CRRG), the Metro 2 Format, and information from the Metro 2 Task Force concerning the Metro 2 Format are provided as informational resources to persons who furnish information to consumer reporting agencies using the Metro 2 Format. No legal advice. Any person using the CRRG, the Metro 2 Format, or information from the Metro 2 Task Force concerning the Metro 2 Format; or any software vendors that provide Metro 2 programming software acknowledges that such documents or communications are not made available for the purpose of providing legal advice or other counsel concerning the accuracy of the information furnished to a consumer reporting agency. Such persons rely solely upon their own determination as to the selection of the appropriate Metro 2 Code to meet any furnisher obligations under the FCRA.

"Disclaimer of liability: Any person using the CRRG, the Metro 2 Format, or information from the Metro 2 Task Force concerning the Metro 2 Format; or any software vendors that provide Metro 2 programming software acknowledges that the fees paid, directly or indirectly, to receive the CRRG, the Metro 2 Format, or information from the Metro 2 Task Force concerning the Metro 2 Format are based upon the expectation that such person will be solely responsible for the accuracy of the information furnished to a consumer reporting agency. LHR also said that they reported according to the CDIA/ Metro 2 Manual. LHR can't even use this as a defense because they reported wrong for how the manual states. Using the CDIA manual, under the Quick Reference Guide for Industry Standards.

"Factoring is the process of selling your accounts receivable to a third-party financing source. Typically, you will bill the shipper and then turn over a copy of the invoice to a factoring company. At that point, the factoring company will advance you 80 percent of the gross amount of the invoice less a percentage kept by the factoring company. The factoring company is now responsible for collecting the amount on the invoice from the shipper. When the amount is collected, the factoring company will send you the remaining amount of the invoice, minus another fee, perhaps.

"In layman's terms account factoring is a service provided to a company. Company ABC doesn't want to handle collecting money from their customers. So they sell all of their invoices to Company DEFG who then collects all payments and mails Company ABC the money for the invoice minus their fees. This is not what LHR does. Also to be a factoring company the debt has to be purchased while in good standing. LHR buys charged off debt which can't be factored. So in your bullet form LHR presented under type "FCO" meaning factoring company. LHR is representing them as something that they are not. LHR purchased a charged off debt.

"Terms: Should have been left blank. LHR choose code (1) which is reported as terms are monthly. Account Status: It should be reported as 93-Account assigned to internal or external collections. Compliance Condition Code is right the reported as xb- account information disputed by consumer under the FCRA. Also please note that LHR is reporting the wrong date of last delinquency. LHR also provided a bullet sheet this is form their records. If LHR wants to continue to report this account as accurate. I want LHR to provide proof that they are a so called Factoring Company which they are reporting. The ** that they provided is only LHR system printout. Creditors have to use the form Universal Data Form to transmit information. I would like to be provided a copy of this form along with company records showing account history. Also for LHR to provide that they have a right to charge interest on this account. "

LHR Response Back. "Please be advised that our office has re-investigated the matter: I'm sorry that our response did not resolve consumer complaint, a Bulls-eye report from Experian as to how we are reporting was provided. Since the actual bill is not in dispute only the reporting of the debt is being disputed I would like to offer a solution. If consumer would call our office I'm sure a reasonable settlement arrangement can be reached. Once the account is paid and funds have cleared, LHR will have our trade-line submission completely deleted from consumer credit report. In addition, LHR Inc. strictly adheres to the FDCPA and does not condone unlawful debt collection practices by any of its employees. Thank you again for bringing this matter to our attention and please feel free to contact me with any questions that you may have. "

The listing is bringing my credit score down. By listing as a factoring company the alleged debt is listed as a installment non-mortgage loan that is outstanding which hits your credit worst than a collection agency which they should be reported as.

What balance, when my account was paid in full? Therefore, I ignored their forthcoming invoices up since, when I decided to call them and informed them about my disappointment. They were not the only ones I had made my full balance payments (say, I paid all my credit cards in full at the same time. You have a way to check this out). With the exception of The Home Depot, who were also trying to charge me for interest, they waived the $35.00charge then and no one else has charged me anything thereafter except for them.

I have told them over the phone when they called me that I refuse to pay them. I believe the bill on interests is about $300 or so by now, I don't bother to even open the bills. I would like to have someone help me on this matter or suggest what I should do and have this matter resolved once and for all. I retired in May of 2009 and this is why I paid off all my bills as my monthly salary does not allow to keep on paying bills anymore. There is only one salary in this household.

This reminds me of when HSBC hiked up my interest rate on my same credit card by approximately 6%. I immediately called to question this and they claim to have sent notice 3 months prior to this. I did not receive any such notice. I asked the customer service rep if there was anything that could be done to lower my rate, he said no.

I have been a loyal HSBC customer since 1991 and have never paid late on my credit card or mortgage! This is a poor way to treat a good customer. There is no physical damage, but economically, I have to pay more interest (double than what it was) which means taking longer to pay off balances. The only way to avoid these changes are to refuse the changes which leaves the card unusable forever.

Last month I received a change of address letter in the mail and thought, ok, it's been fixed still no bill. I called again and conveniently the post office only sends back their bill. I like most people, receive bills for all services and they all have the same address HSBC has. The other entire bill comes to my house no problem. I can't help but feel that this is a way to extract more money from me. I mean, if I didn't pay attention to my bills and what/when they are due, I would have been penalized all this time. In my own opinion, I feel that I was going to have my card paid off well before the due date and they didn't want that to happen so they messed with my bill. How else do you explain receiving a bill then suddenly you don't?

No change of address or anything. I have contacted the Better Business Bureau about this matter as well. My feeling is, if they can get a change of address letter to me using the address in their system, the bill should have no problem getting there either, unless it is intentional. I also feel that if they can't get a bill to me in a timely fashion, I should not be responsible for the remaining balance. I have no problems paying for my purchases, however, I'm a busy person with a full-time job and I really don't have the time to babysit them each and every month, begging them to send me a bill. This has been very stressful for me. I will get penalized with all the interest after the due dates as well.

Now, they requested a copy of the 1099 which I again faxed over with another current copy of my husband's pay stubs and again denied. The next representative told me they needed a profit and loss to accompany the 1099, so I once again faxed this information and as of today's date they stated they didn't receive the documents. It is nearly 5 months later and no one from HSBC ever bothers to contact me to let me know the status of this loan modification.

They insist on the mortgage being current in order to even process the loan modification papers. In addition, not one of the reps were able to provide me with the proper documentation needed to expedite this matter. The lack of information and cooperation on HSBC's part is causing stress and worry. This matter needs to be rectified immediately! Our situation has changed since obtaining this mortgage and HSBC is a nightmare to deal with. Our current mortgage payment is 56% of our monthly which is almost twice the guideline in NY. We are an average family with 5 children and are not looking to lose our home. HSBC is taking full advantage of our situation. Please help. Thank you in advance. The lack of information and cooperation on HSBC's part is causing stress and worry. This matter needs to be rectified immediately!

April 28 I received another letter. Dispute number C100422043266 had been released and that the charge and any applicable fees would be added to my bill. Now hear this, never do I want my phone calls to a USA number transferred to a foreign country without my approval. I want someone to get this stupid situation fixed. 2 complaint numbers and 2 letters? I will be contacted by an American that speaks English soon, or the next time you hear from me will be through my attorney. This is a simple situation that has now turned stupid. You transferred my call to a USA number to a foreign country without permission and that idiot turned it into 2 complaint numbers. Get it fixed."

A simple double swipe of my credit card could have easily been fixed. Now I have 2 complaints to deal with, the HSBC phone is always answered in India and I cannot for the life of me get any of those people to understand what the problem is.

So a few more months down the line on 11-28-2009, I log online to make my 2nd and final, bi-weekly payment of $374.82 for November, and see the amount of $1,137.05 to my surprise. I then proceed to call customer service once again, spoke with Courtney and attempted to explain to her the situation and she then started to tell me that my hardship had been overturned, which came to me as a huge surprise since I was under the impression we were not on any hardship nor had it been mentioned in previous conversations over past several months. After trying to explain this to her she proceeded to laugh at the fact that I told her I was not able to pay the large amount at this time. When I asked what my options were, she was very rude and non empathetic to my situation, she seemed too busy with all the noise behind her which sounded like a party. Especially since it had taken us by surprise, as our financial situation has not improved much from the months previous, actually as of July 2009 my husbands income has been compromised due to child support being deducted from his pay check. And as of August of 2009 due to excessive debt we have retained a bankruptcy lawyer, however we do not want to lose our home and have not added it to these proceedings, and have expressed this to HFC during my last several calls to customer service. On Sunday 11-29, I spoke with someone named Nancy and she proceeded to tell me that she could not speak with me or give me and further information since we are filling bankruptcy, and I tried very diligently to explain the situation to her and she just refused to speak with me in any capacity.

So I waited until Monday 11-30 to try and call again, I spoke with Tony who was very receptive and empathetic to my situation, he stated that the notes in our account we very confusing and not organized and some of the ones I spoke with were not even in there, this letter was his suggestion, in order to reapply for hardship since I was told several times that we have no other options with HFC since they are not part of the USA government bailout. So apparently our options are, pray that we get approved again for hardship or try to get with a different company, which would be impossible since we owe more than our house is worth, and have a second mortgage as well. It is with sadness that we have to deal with foreclosure, after all the hoops we have had to jump through to keep our home. HSBC has forced us to lose our home! We are now severely behind and just waiting for HFC to take our home, this company deserves to be shut down and go bankrupt! They have no feeling for the hard working middle classed family. This has put a great deal of stress on myself and my husband, emotionally and physically.

Today, May 01, my bank account is overdrawn because these misfits ignored the letter, managed to put the online fee through, then cashed the check as well. Apparently, they not only have trouble hiring anyone who can do elementary computer work and also can't or won't read a letter even when attached to a check. This appears to be a deliberate or extremely ignorant set of actions on the part of HSBC. It damages my credit, steals late funds from me, steals a second payment for me (which they never returned), wastes an enormous amount of time, gives no human response (or any other kind) to complaints and continues to do it month after month.

On September 29, 2009, the military told my husband that they were not going to renew his employment contract with Missouri Funeral Honors Team. That loss cut us from around $4000 a month down to less than $900 a month until he was able to find two jobs as a CNA in mid December. Even then we were only making about 1/3 of what we had been. Then, at the end of January, I got laid off from my job, which put us in an even more dire situation. Needless to say, we are behind on everything. We have tried to work with HSBC to get them to lower our interest so we can have affordable payments. They wanted proof of our income, which we have, and $729 which we don't have, so they won't work with us.

On March 31, 2010, we found our names in the legal pages of our local newspaper. Our house was to be auctioned off on April 22, 2010. Again, we called HSBC. They said that if we paid them around $3300 by or before April 15, they would stop the proceedings. The next day, they called back and said that if we could pay them the $2187 for three of the months we are behind, by April 17, they would tack the rest on the back of the mortgage and stop the proceedings. A week later, on April 7th, they called again saying we owed them around $5800. On April 14, they sent out a bill for $5290.78 which included May's payment of $680.86. Today, April 29, 2010, we received the paperwork offering us $850 to be out by May 27,2010.

What do we do? We have even called the Obama Housing Relief Program and gave them all of our information. They said we didn't make enough money to do anything. My husband has since been employed on an active duty basis in Fort Leonard Wood MO, which will increase our income considerably. He starts that job on May 3, 2010. Now Obama's plan won't help us because we make too much money.

HSBC has been using us as a cash cow. I find it suspicious that they can't come up with an exact total of what we actually owe. I find it suspicious that no matter which of their many numbers we call, we can never talk to a supervisor, or even the same CSR twice. How can we get ourselves out of this situation if they won't be upfront with us and give us solid information?

So now I still have a debt outstanding that I can't even pay one with them because instead of being open and honest they lied, refused to cooperate and flatly lied. All for a few measly bucks. I asked for a statement of the terms we agreed to for a payoff, via fax. They mailed it and did not fax it, they added a drop dead date for two days before I received it.

They refused to honor the agreement saying it was after the date stated on the letter which wasn't apart of the agreement made with them. There very dishonest I advise everyone in America to boycott HSBC. That'll put them out of business. There are many honest companies that were helpful or at least don't play games with you when you just want to settle a debt.

I called warranty company who informed me there is nothing they could do because company went out of business (of course didn't informed customers) and had to refund the money I paid for the warranty, my problems didn't stop there. HSBC sent me a letter hacking my bill up from $960 to$2300 ridiculous! Saying my promotional period ended that this is all finance charges sine 2007.

I cannot afford to pay this bill especially since they gave me a $3500 credit limit of which I used $3200 and did paid it down to $960. So now, I have to pay a huge bill plus re-purchase furniture? I definitely need a lot of help this is very unfair to me as a customer

After my father passed away, it took us 2 1/2 months to get his affairs in order. During this time, we kept in contact with your company through phone calls and faxes since I am my dad's trustee. It was during one of these calls that I asked for a place to send the loan payment that I was informed that I should be receiving any day an accelerated foreclosure notice.

We are now paid up to date, but now we are having a problem with even getting a monthly statement from their company. They can send out a foreclosure notice quickly but can't manage to get out a monthly statement on time? Is someone hoping for late payment fees to be tacked on? Honestly, I am surprised they are allowed to continue to operate a business in California.

By the way, when my 92-year old dad passed away, we found out that 8 years earlier he took out a loan on his paid off home at 10.5% for 30 years without an insurance policy. Who gives an 84-year old man a 30-year loan? It appears to me they were hoping to own his home cheap. Even now, his home is worth more than what is left on the loan.

We will continue to make payments until my husband finds another job so we can then qualify to refinance with another company. Why isn't this considered elder abuse? It has been stressful enough to deal with my dad passing and trying to get his affairs in order and then to realize what appears to be that someone took advantage of my elderly dad, while he had dementia and then to be treated so badly by this company while trying to make things right just makes all this even more stressful.

This cost me over $800 for a $500 debt, and they owe me the $300. I don’t want the money. I just want them to clear my credit score. If anyone takes the case, please take the $300. I will throw in an extra hundred.

I should have gotten something from this bank about this change. All I received was a letter form the other place to send my money. I can't trust this place to send over $300 a month to. If I make a call from my number, it would be busy. I believe they have a block on my number, because of a personal issue about what happened in the past complaints. Thanks.

This is about a personal issue, reason because I file complaints against for phone harassment. Is it my right to have a say where and who my social security number goes to? I should have gotten something from this bank about this change. All I received was a letter from the other place to send my money. I can't trust this place to send over $300.00 a month. If I make a call from my number, it would be busy. I believe they have a block on my number because of a personal issue about what happened in the past complaints. Thanks.

I understand if it's a overdraft check, I deserved to be charged the fee. My question was, the bank or the machine should have known that my account balance was insufficient when use my debit card. They should not let it through or should not approve that transaction. But instead, they approve the transaction and charge me the overdraft fee. I think it's just their tactic to charge innocent customers. I was overcharge $70.00 in total.

I called HSBC and told them that the Nov payment would be late and as soon as I received a paycheck they would get paid. They told me fine. So in early December, I sent a double payment. In the end of January, I got the check back and a letter saying they started foreclosure again. I explained that my husband works for an overseas company and I could not get pay stubs or a letter from Afghanistan.

So now, I am sitting here trying to get a modification or a forbearance and they tacked on $4000 in corporate advances and every month add another $1000 to the corp advances. So I cannot make a payment to become current because of their fees. I told them repeatedly that I could bring the payments current right now but cannot afford to pay the corp advances. What am I supposed to do? I can't believe I am going to lose my house over $20,000 loan that they will not work with me on and continue to charge exorbitant fees so I can't become current.

There has to be a way to get this done. But so far, everyone I talked to said the only way to make them back off is to declare bankruptcy. I can't do that because my husband now makes too much money and we have too much equity in our home. Help someone! My home, worth $250,000 and a first mortgage that is current, is going to be foreclosed on over a $20,000 second mortgage that I can't get any help in bringing current.