HSBC Holdings
Reviews and Complaints

I purchased a computer from COMP USA approximately 6 years ago.Unknowingly I thought it was interest free, while HSBC states it was 60 months.The statement had $25 as the minimum ---I was having times such as 4 hospitalizations where I had to make sure the payment arrived.I had sent $50 a month for at least to be sent automatically from my bank. There was a statement sent in April 2011 that had a minimum payment of $165--I did not see this statement because I was taking rehab from ankle surgery in Nashville.Knowing that they were getting $50 a month--I did not worry. They determined that my $50 was insufficient and therefore charged me $3458.63 for not paying w/i 5 years.There for a mistake of $90 they are charging me 3458.63.I have asked them to be reasonable with and offered to pay $500 if I was mistaken--They have been unrelenting with robo calls and numerous mailings with no remorse.I had another surgery in October and will have another within a week.I am just asking them to be fair considering 2 years of ongoing surgery and rehabs. My name is Larry Sheldon 1904 east frontier lane, olathe, ks 66062--I have been a member for 18 years.I filed a FTC complaint #[protected]--Thank You

I received a new credit card last month. I called in to activate it. Mr Subro stated hat i have a fraud alert on my card which i did place on it. I was told that i have to pass a security test to activate my card, after the test he said i failed it and would have fax in my drivers license..social security card and two utility bills. Which i faxed in the same day 9/6/20011.

A follow up phone call to Miss Runa of the fraud dept 9/23/2011. I was told no documentation was not in their system.This is the very reason i have a fraud alert on my name security number. To prevent mistakes like the fraud dept is making by losing my identity documents. And to make matter worst both reps have asked if i would like to make a payment. I would like to know how could they accept payments from me if they have a question about my identity and won't turn on my credit card? I am in good standing never late with payments..I need help with this matter. Can i fax over the identity documents they ask for and BBB send them to HSBC? Please let me know.

The creation of an account with Best Buy to purchase electronics was one of the worst decisions made on my part when the creditor was HSBC. I had initailly paid down my account & therefore decided to make another purchase for myself. When I presented my perfectly good Best Buy card at the registar, they told me that the account had expired since there was no activity for over 7 months. It was then expected of me to create another account to make my newest purchase but they never rolled the remaining balance of $120.00 into the new credit account that they said they did while in the store. I made payments on the new account while the other went unpaid. Detroyed my credit & took a year to correct due to incompetant CSR agents that couldn't understand me or choose not to. I love best Buy & their staff is wonderful but DO NOT USE HSBC!
I now purchase my electronics at Sears.

HSBC Bank USA needs to be pressured with Imminent (BK) Threats or Mediation Law and Procedures.
They are basically a giant collection agency. They purchase the distressed mortgage at Extreme Discounts from various key players in the sub-prime arena. They collect aggressively on this paper. They do not play by the rules and need to be pressed hard.

We have completed successful loan restructuring cases with HSBC Bank. They are all long run and brutal battles.

Feel free to visit our website for further details on avoiding a Pending Sale Date.
www.freshstart-mortgagesolutions.com or www.freshstart-legalnetwork.com
You may also call 1.877.297.7011

Good Luck Homeowners.

United kingdom international bank
1:20 pm (5 hours ago)

To me, bcc: me
United kingdom international bank
119 cannon street,
London,
Ec4n 5at,
United kingdom
Tel: +[protected] - fax: + [protected]

Attn. anil kumar jaiswal,
We acknowledge the receipt of your email of your transfer option:
Option (2) cheque delivery via courier service down to your contact
Address (£450 pounds) and your delivery details well noted.
We wish to notify you that we are making use of the services of dhl
Courier company for the delivery of your cheque. the cheque is an
International certified bank cheque that can be cashed in any country
In the world. your parcel also contains united kingdom international
Bank official backup letter and your winning certificate. the maximum
Delivery duration of the above courier service in this regard is 3 days.

I wish to inform you that you are to make payment of the second option
Charges via western union money transfer to this office with the below
Information:

Payment instruction

Mode of remittance: western union money transfer
Receivers name: donton bane
Address: 119 cannon street, london, ec4n 5at, united kingdom
Amount: 450 gbp (great britain pounds) that is 35, 700 indian rupees

Note that you can pay in any currency.
As soon as you have made the payment, send us via email, the payment
Slip for confirmation. upon the receipt of payment details, we shall
Dispatch your cheque to the courier company for immediate delivery to
You.

Awaiting your prompt action.

Best regards,
Richard radway
For: united kingdom international bank
Copyright © 2012. all rights reserved.
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Confidentiality note:
The information contained in this message is confidential and/or
Privileged. this message is intended to be read only by the person
Named above. the unauthorized use, disclosure, copying or alteration of
This message is strictly prohibited. if you are not the addressee, (or
Responsible for delivery of the message to the addressee), please
Notify the originator by return message and destroy the original
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Back in 2007 I received a phone call from hsbc one night. since I was currently out of work because of a terminal illness. I was trying very hard to pay of some of my debts. before becoming ill I had a great job and was able to use credit cards. I only had one at the time it was capital one. when I first signed up for this card I purchased the insurance protection just in case I ever became ill that they would make payments for me. well little to say they only paid $19.00 per month toward there card. I was upset because if you can't make full payments on a card the interest falls into the highest 24% bracket. well we all know you can never pay this off. since I really wanted this credit card paid off but had no way to pay it at the time. I just allowed the card company to keep paying this $19.00 per month. well back to the phone call that I received from hsbc. I received a call from a representative that offered me a way out. he told me that if I decided to go with hsbc that they could do a balance transfer to capital one and pay them off. also he told me that I would have 0% interest for 12 months. I told the representative that I may do this but I needed to also get new tires for my truck and wanted to have left over credit on the card to buy them. I asked him what was the limit he could offer me? he said he could get me a $5000.00 limit. since I needed to pay $1500.00 to capital one this would leave me $3500.00 left over so I could buy tires and still have some credit for other things. also I would have 12 full months to pay them back with no interest. I asked the representative over and over again if he was sure that the limit would be $5000.00. he told me not to worry and he was absolutely positive that I would have this limit on the new card. I explained to him that I was skeptical because I have dealt with many other card companies in the past and sometimes they do not keep there end of the bargain. I advised him that I was a bill collector and know how it works. he told me to hold one and he would make sure that I was approved before I agree. he then placed me on a brief hold and when he came back he again said I was approved. I told him that if everything did not go as he said that I would be very upset. when the representative first called he said he was from discover. I went ahead and told him to go ahead and do the balance transfer to capital one and gave him all there information. he advised me that I would have my new card in 5-7 business days. one week later I received a letter and the card in the mail. I will never forget how mad I was when I opened the letter up. the letter stated that I only had a credit limit of $2000.00. also the card was not a true discover card it was from the discover network. so if a balance transfer for $1500.00 was to go to capital one this would only leave $500, 00 left. this was not even enough to buy new tires for my truck. I was so mad I called them up and got a supervisor on the line and told him how his representative lied to me and tricked me into taking out a card that he promised would have a $5000.00 limit on it. I explained to him the reason and what I needed it for. well the supervisor told me that there was nothing he could do. h advised me that the balance transfer to capital one had been made and that at least I did not have to worry about that card anymore. I told him that I really did not care because I did appreciate being lied to and felt that it was deceitful entrapment in order to get me to go with them, regardless of them paying off the other card. I advised him that this kind of sales marketing was against the law and that he should listen to the call that was made to me by his representative promising me of a $ 5000.00 credit limit. well he still blew me off and I hung up on him. I then began to think of a way to fix these jerks and thought to myself two can play this game. since I just went out of work the year before I still had an ace in the whole. I had one more income tax return. I went and got my return done and when I received it. I decided to pay the whole $1500.00 back to the hsbc bank before my 12 month 0% time frame. this way I could kill two birds with one stone. also they could not charge me a dime in interest. this is exactly what I did. I first called them to get an exact payoff good through the entire month and then sent them a check in the amount of $1529.00 to make sure it was $1.00 over. they way they would have to send me back a check for $1.00. then after I received proof that they where paid off. I called them again and advised them I was cutting up there card as we speak. after that I wrote there corporate office a letter explaining every thing that took place. I advised them that if I wanted to be a real b, that I could file a complaint with the bbb and let them know about the entrapment. I then faxed the letter to them and waited for them to respond. they wrote me back letter saying that the next time I wanted to pay off another card company that I should go to a bank and apply for a loan. I laughed my butt off. I thought to myself how does it feel hsbc for someone to use you? to this day I have no credit cards. I believe in cash on the barrel. I would rather save for something than give my money to rip off card companies. I hope this review helps other not to get roped into maybe many years of grief.

I was a cardholder for HSBC/Best Buy card back in 1999. That account was closed. I opened a new account in 2010 that was put in their "plan b" program without any notification. Their "plan b" program provides a very minimal balance without the opportunity to increase the limit. Had I been made aware of this, I likely would not have accepted the card.

Since they gave me every impression that I had a normal card, I proceeded to use the card frequently in hopes of increasing the limit so that I could make the TV purchase for which I originally applied. It was considerably more than the limit I was given originally. After about 8 months of frequent use and perfect payment history, I applied for a credit limit increase only to find out that the limit I had was "the maximum amount allowed for my type of account".

I talked to several customer service reps and multiple supervisors all of which informed me that since I was "plan b" that my only option to get a credit limit increase would be to close that account and reapply.

I did not want to do this, because it would put another inquiry on my credit as well as another account on my credit both of which would negatively impact my credit score.

In September of 2011 I contacted them again about the issue, and a rep suggested that I close the account and reapply in store. She went on to say that I could call back and get HSBC to merge the new account with the recently closed account which would make it appear as one account on my credit report.

Taking the HSBC rep's advice, I closed my existing account and reapplied at the store and was approved for an adequate limit to make my purchase. A month later I contacted HSBC to have the merge the my accounts and was told that HSBC does not merge accounts.

This whole scenario is very frustrating. In my opinion, its a very deceptive practice on the part of HSBC to be so hush hush about putting someone into a plan that greatly restricts their ability to use the card as they may have intended when they applied, and then to have in place a policy that allows them no leeway to correct the problem once its done.

I would very much like for HSBC to merge my Best Buy credit accounts so that my current account reflects my original account open date, and that the accounts are reported as only one account on my credit report.

I am extremely disappointed on how I was treated by HSBC. I have been a cardmember for a few years now, have managed and maintained my account in excellent standing. Then October this year, I did not receive my bill in the mail. My bill was for P492.19, a post paid phone subscription. I did not realize it until I saw my phone bill and so I paid it right away. 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 your Company values their cardmembers and requesting for a courtesy adjustment for a late fee for not receiving my bill will not be a problem. But I learned that that 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. I escalated it to a supervisor named Jerry Arandia 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.I was really disappointed and shocked that HSBC would do this to me. If this is how they treat their cardmembers then I wouldn't be surprised if they will loose cardmembers one by one. Not only that I will stop using my card, I will tell all my family and friends to never ever use their HSBC cards because the company doesn't know how to value their cardholders.

A mysterious charge for $9.99 showed up on my Chase credit card for "HSBC*CREDITKEEPER" 3 days ago. I've disputed the charge with Chase to have it removed. I did not authorize this charge nor sign up or use any such service, it just showed up. I'm vigilant with my credit card, and just noticed the charge online today. It was not on any prior statement, so someone has fraudulently charged this amount to my card.

I just paid a motorcycle off and sold the bike. HSBC is holding the title for 30 days to let funds clear! It was an EFT transfer the funds cleared immediately. Do not try to call unless you have a degree from MIT, it is impossible to talk to a human and when you do not even a supervisor is willing to help! Not once did any person give any effort to help only to get you off the line!

I had owned a credit card during year 2007. I had never used it, but somehow HSBC credit card dept generated a bill, and I received several calls regarding outstanding amount that I had to pay. At every call I asked them for usage bill, but I never received it through neither mail nor post.

Now what I understand with whole situation that I can’t trust people related to this bank and if future I never go for HSBC Credit Card and never suggest to any of my friend or colleague or even anybody.
This is really very ridiculous because such a famous and global world bank is doing this kind of behavior threatening, abusing, dishonoring with their customer for just getting some amount. I can’t believe this bank any more.

Details are:
Name: Abhay Anand Mishra

Mobile Number: [protected]
According to my perspective, I am not responsible for any payment and this is completely a false case. I want my clearance in this matter, my clear credit history and taking back the case which is filed against me.

These idiots put a restraint on my checking account, saying that they need to verify funds tranferred into my checking account. And they know the funds were tranferred from another HSBC bank! This has never been a problem with my old HSBC checking account, but with my new checking account I signed up for online. Avoid bank to bank tranfers if at all possible to avoid them doing this to you.

I am HSBC credit card holder since April, 2007. Card No-[protected], HSBC Bank has charged Rs 700/- as card membership fee first time without informing me in the statement period from 15-4-11 to 15-5 11 .
Request for wavier of this membership fee of Rs 700/- as I have never paid in past four years.
Regards
Malvinder walia
[protected]@sify.com

HSBA Dubai, one of the country's largest banks and the biggest bunch of tools I have ever delt with.
My Complaints are as follows:
1. My HSBC bank card no longer works in any HSBC ATM. It works fine on every body elses ATM?
2. It took 6 phone calls & 3 visits to the bank to get a replacement bank card.
3. It took 3 months to get the new card issued and courried to me. (Thats the Premier Service. Id hate to see the Standard service.)
4. 2 months later and I am still unable to activate the new card. As their phone banking services are faulty.
5. 15 plus calls later, still no card, phone banking still dosent work and all the security details are in my wifes name. I cant answer any of the security questions they ask me and im a man ...so they hang up.
6. It has taken me 3 years to get a Visa card issued in my name. (& yes it actually works)
7. Random account freezes and overdraft penalties due to non-payment of loans, when there has been over 65k in the bank to pay off 6k owing ? Aparently computer errors cause this ...not some idiot on a computer.
8. The customer service ###s dont understand english...or arabic for that matter. I have no idea where they hire these monkeys from.
9. All the HSBC staff travel to their workplace everday by bus, car and train. But not one tool can actually give you the right address of where they work or where the Main branch office is located. Im suprised these idoits don't get lost going to the bathroom, or forget to breath.
10. It take $400AED, 3 branches, 4 people and 2 weeks of traveling around to get a car ownership certificate issued incorrectly? and then be told I have to pay another $400AED for the correct one. WTF?
11. All of my credit card & bank details were stolen by a corrupt employee and then their main credit card server got hacked. Well at least some guy in Lugan Russia managed to get a fully working bank card in my name and make a few purchases on it. I still can't even do that.

This is not a banking service ...its a complete mess.
I'd like to send them a bill for the time Ive wasted running around for them.

Matt.

Dear Sir,
I Mr. Shashikant M. Ghadi, holding HSBC Credit Card A/c No: [protected]. This is to inform you that I have already done the settlement with full & final payment to the HSBC Bank. The settlement was done through your collection agency GURUSAI ENTERPRISES. The collection person Name: Mr. Sunil Patil & his senior person who had come at the time of settlement with the letter was Mr. Nitin. I have also received the settlement letter Ref: FFSCPDNWOFFBOMHDMTCS-GURUSAI ENTERPRISE80820111 DTD. 08 AUGUST, 2011.
I am attaching the settlement letter & the payment receipt made to HSBC bank & Gurusai Enterprises receipt.
I request you kindly look into the matter and see I should not be receiving any credit card statement from HSBC bank henceforth.

Thanking you,
Your's Trully

Shashikant Ghadi

This has Ref to earlier letter dated 11 July 2011, it is to bring to your notice that your business executive visited my office in year 2008 and without my consent opened credit account and issued credit card in my name in April 2008.
The said credit account is never operated by me and no transaction whatsoever amount was, ever made by me. It is clarified that credit card issued to me by your business executive has never been used by me at any point of time.
It may please be noted said to note that despite my repeated requests in past to your bank, to close the credit account mentioned above, you have taken no steps to close the Account in question and you are illegally showing the credit balance amount of Rs 14000 against said account.
Needless to say that I have never availed /utilized the services of credit card and account in question.
Therefore it is ridiculous to see that an unexplained credit balance being shown against the said account and same has not been closed despite my repeated request .By way of this letter you are being put to notice that in case account in question is not closed with immediate effect, then I shall be constrained to proceed against you at your cost and risk before the appropriate competent authorities and you will be fairly responsible for the consequences that may follow.
It is for your information and necessary action please.
Regards,
Subhash Awasthy
E-02 Ambuja Colony
Village Daburjee P.O. Lodhimajra Distt. Ropar – 140113
Mob [protected] ; mail id : subhash.[protected]@ambujacement.com

I have to agree with the nay sayers HSBC DUBAI is one of the No actually the worst bank I have ever used. The phone service is terrible it is impossible to ask a question without being sent to multiple people with long waits in between and having to give all your identifying details each time - the result typically is after a long wait to be disconnected mysteriously before receiving the answer to your question if you are persistent you may actually reach someone who will tell you to go into a branch and inquire. If you go into a branch they often tell you they don't have the forms needed to make an inquiry or change a service and that you will need to locate those online and mail them somewhere. UGH! Their response to unhelpful phone service is to have a 'premium account personal banker' LAUGH! La dee da I actually have one of those and apparently he's been on vacation for the past year and he doesn't return calls. I agree with the numerous posters above charges are definitely suss I am continually getting charged 100 to 150 dhs with various descriptors on statements that cannot be explained by HSBC representatives. I and a number of my co-workers also using HSBC were surprised to discover that our credit card interest has simply been increased without notice during this time and one co-worker's credit limit was halved because he paid of the credit card each month and left no balance. I was referred to the bank when I arrived in Dubai by my employer about 4 years ago and took out a loan. I made the mistake of topping up the loan last year when it was almost paid off because HSBC was running a 'special' promotion with lower interest of 4.7% however for the last few months the interest has magically increased to 9.9% payments taken out immediately with salary installments but no one can explain why. In addition I was charged double for an ATM withdrawal last month -despite having the receipts showing that only one withdrawal was made and that I received a timed out message when attempting another it took 6 phone calls, downloading an online dispute form sending it in to an 'investigative body' and then waiting another 15 days a total of (23 days) before the money was credited back to my account which by the way was a large amount that overdrew my account and I was charged interest and over-limit fees for - still not cleared . I agree with the latest poster that it may actually be the region though and overall management practices in the banking industry however the sheer amount of inaccuracies in favor of banks suggests that the chaos will continue as the banks are profiting from it. Everyone in the UAE seems to have stories of mistreatment with their banks and long term residents simply shrug and say that bad banking and service is simply a given in the region. When I've asked for referrals people are never confident or satisfied with their own banks and will typically say I'm with so and so but have this issue or that with them. I tend to think that this nonchalant acceptance of being overcharged or accepting unexplained interest charges etc is why all these practices continue. I have to admit I'm guilty as well I continue to allow unclear charges monthly on HSBC statements to continue unexplained and will only go through the painful attempt at requesting refunds or reversals if the amount is large.Basically, if you are working full time it is somewhat impossible to regulate. HSBC will reverse things if I consistently bother them about it but they make it a time consuming painful, stressful and expensive process so as a customer you have to weigh whether the fee or overcharge amount is actually worth the effort to appeal it. If the majority of customers simply allow unexplained interest hikes, unexplained fees and charges and double charges on money transfers the bank makes a substantial profit . By making the application procedure to claim back charges difficult and phone calls unhelpful and branch timings hard to attend customers are literally lulled into accepting unethical practices and bogas charges Last year, I started looking for a new bank visited 3 called at least 2 more and was basically told by all that they would love my business and would have a sales representative call me. A month after making inquiries I grudgingly accepted that the problem was indeed perhaps endemic of the region as none of the 5 new banks had bothered to get back with me on my inquiries regarding their services and transferring my account despite contacting them all once again repeating my request of services available and a desire to move my account. This is odd when as overseas 'new customers' are usually signed up in a day thus I agreed on the 'top up' with HSBC (sigh) seeing no viable alternative. Rakbank was the only one to ever contact me but that took 35 days after my initial inquiries about their services and two days after deciding to take a loan and stick with HSBC. My husband who had been overseas was an HSBC supporter and a year ago said to me that I should stick with them as they were globally recognized however now that he's permanently in Dubai and has a Dubai Islamic account (required by his employer) he's changed his mind now that he is here and has witnessed first hand the service I receive he can't wait till I clear up this loan this year and switch accounts he has had none of the trouble I have and he can't believe there is no authority to appeal these charges . I truly hope he has found a good bank with reasonable services however I admit that after 4 years I am a bit jaded and suspect that he's simply in the honeymoon stage and wouldn't be surprised if he too suddenly as unexplained trumped charges to complain about with his bank in the near future. Regardless, I have another 6 months to observe his services before I am free to transfer from HSBC anyway which I will do because despite the bad service I hear from people about their banks I'm usually able to top their tales with the horrible service HSBC offers and now I know that any last minute great loan offers they might offer to persuade me to stay with them will only increase later unexplained.

"Closed" accounts come back to life when the computer calculates and pays that month's interest. Then minimum balance fees are imposed, apparently forever, or until you hit the trigger to begin collection actions that can play havoc with your credit score. On 3/3 I closed my checking account. On 3/15 it came back to life when six cents of interest was posted, along with a $15 service charge. A month later another $15 charge. Happens a lot with them. Three times with my family. Recommend you avoid them, or watch them mighty close.

June 4, 2011 I spoke with a CSR from HSBC regarding scheduling a payment from me to them for my RewardZone Mastercard. I couldn't give them a payment that day, so I arranged to call in or use the website to make a payment around the 13th of June. No problem "ok ma'am, I'll make a note of that and will be looking for the payment around then." Well that CSR or whoever, took it upon themselves to make an ACH withdrawal from my checking account on the 15th, 17th and the 20th. Each time it got returned due to insufficient funds, obviously. How can I resolve this problem with them when I cannot reach anyone in charge or at least the CSR called me today the 23rd that no manager is around and continued to belittle and patronize me during our conversation. The unauthorized withdrawal or the 3 attempts, caused my other ACHs to be returned and numerous fees to pile high. Finally I had to pay my bank a Stop-Payment fee just so HSBC would quit trying to collect my money illegally. So far, no one will connect me to a person of more power than a condescending CSR or one who cannot understand me due to a language barrier. If anyone can help me out that would be appreciated. I need to hire an attorney obviously, so they (HSBC employees) will listen or take any kind of remorseful action on my behalf. I don't think stealing people's money is a professional business tactic buy hey Madoff did it so I guess they think it is okay as well. Not in my book!

To whom it may concern:
My mother recently passed away and I've been helping my father with his affairs. During the course of reviewing the mortgages I noticed that my parents HSBC balance was still around $16, 000. My parents purchased the home in Sept.1992 the loan had the following details.
Original Principle Balance-$50, 343 at 8.5% over 360 months (30 years). So the loan was to be paid off in 2022, they also collect escrow for taxes and insurance. All payments from beginning have been made via ACH automatic payments first missed payment was June 2011. In 1998 my father began making extra $100 monthly principle payments and the balance is still $16, 000. If I am correct the mortgage should have been paid off between 2007 and 2010. For an example the statement for 01/20/2004 has $281.79 going to interest and $105.30 going to the principle with the extra payment $205.30 going to the principle.? By this time we had been in the home almost 12 years and paying extra principle payments of $100/month for close to 6 years. We we just notified that HSBC transferred the mortgage to HSBC Bank which it plans on closing in NYS. There is a second loan with HFC all of the information provided regarding the loan is false, age, employment, income, phone number, credit life-The credit life is actually how I started looking into the mortgages, they inflated the income and decreased my fathers age amongst other things to force sell joint credit life and the approval of the loan. They collected a few payments for credit in an amount other than the one disclosed in the provided closing documents and just stopped for no reason. They said they stopped for non payment but as required they did not notify us in writing and I made the payment myself in the amount of $1, 400 and it left a surplus of unapplied funds over $200; they were collecting $26.74/month for the joint policy. HFC and HSBC have not responded to our detailed QWR outlining our issues and the information needed to resolve such. There is also a third loan serviced by CitiFinancial that is in dispute. They collected ACH payments on my parents joint account for 3 months after my mother passed and have yet to return the funds although the debt is in my mothers name alone and my parents aren't married and my father has no legal obligation to pay the debt. Also writing did provide some information requested in the QWR and I noticed it said my mother was like 81 years old my mother was born 09/11/1958, they also stated that they gave my father the right to cancel as his "signature" appears on the notice but it doesn't look like his hand writing and why have him sign a right to cancel as it was her sole debt, they stated that they gave a check for over $1900 she did not receive, they added over $1900 onto the principle for insurance options which the documents provided shows that declined and was not aware of the purchase, the date provided on the right to cancel as the signing date for my father is the same date that funds were dispersed to my mothers creditors and my father did not benefit from the funds. Truthfully, the information is so messed up that I'm not sure who originated these loans, before the loan is closed you are required to show identification and income, there is a form in citifinacial records that stated they ran a credit check but I'm not sure they did because the information provided was so wrong, and there is another woman with the same name in Rochester, NY. I used to go to St. Andrews catholic school with her daughter and for awhile I had to eat cold lunches because they mixed my mothers account up with hers and my mother paid for my lunch in advance so that I could eat hot lunch it was included in the tuition cost and the other child was packed her lunch. The school reimbursed my mother and apologized. Citifinancial also sent us a letter stating that our loans will be serviced by another provider beginning the 30th of June 2011. The organizations that are here to help seem to be working against us. They told us to forget pursuing the wrong that was done and just continue to pay or let the house go and move on. I truly believe that something fishy is going on in NYS and it has something to do with Monroe County and NYS Politics. I have the HUD state ment that shows irregularities when compared against the loan offer made by the lender. My parents paid over several hundred thousand, and HSBC sets the mortgage back about every 4 years, that sounds like Yield Spread Kickbacks. They are also applying less than the $100/month and I was told by an organization that was designed to help fight predatory lending and to let the house go, because my dad and I couldn't afford it. There's a reason why we can't afford it; they Monroe County and NYS polititions who are getting rich of our misery by allowing these ### to operate and probably own some of those HSBC accounts that weren't disclosed when the IRS went to the DOJ for that John Doe warrant, but I got some names and law firms for you found right on the HUD 1A, one of the law firms specializes in wealth preservation, when someone dies and has allot of debt they help the estate with the mortgages?. For a second opinion I got a free consultation provided the attorney with the same documents and info and he said my father owns the house free and clear and should pursue legal action against the lenders.