Nisus Corporation

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

HSBC Bank USA NA was my mortgage lender for a number of years, effective 10/1/my mortgage and Escrow account was transferred to a new lender, *** Mortgage LLC At the time of the loan transfer HSBC did not have a copy of my October City School Tax bill from *** County, they received the bill electronically on 10/11/2016, days after the loan was transferred to the new lender As of, 10/19/2016, the new lender was never provided with the City School Tax billing information to make the payment on my taxes due 10/31/ HSBC Failed to provide the billing information after the loan had been transferred and failed to notify the City School Tax department in a reasonable time to of the new lenders billing address

Before HSBC took over Beneficial Corp the loan was for $11,and they recorded with SF county as a lien on 9/7/The loan was dated/signed by Eugenie *** on 9/2/
This lien was paid off and HSBC never recorded the release of lien

I received a new HSBC credit card over four weeks ago My thought is that I'd do an interest free balance transfer using HSBC credit card I tried to activate the card, that was an issue, I got error messages online Then, to register for online banking, I asked for help, several times But this most recent time, when I couldn't register for online banking, I decided to cancel, I want to get out And I was very, very clear to the rep that I was chatting with the first and the second, saying "all done, I don't want to struggle with this anymore, too much time and wasted energythanks, please let's just pretend I never applied, I dont' want anything on my credit report regarding hsbc." Again I said "i'm really annoyed that it's another mins of my life wastedjust pretend I never applied, I want no record of this on my credit history 'cause I didn't use it, just let's close it all cancel everything get me out thanks." And again "no, cancel everythingi don't want to waste more

hen I open the account with the promo card with me, the teller told me I will be receiving cash reward of $as long as I kept at least $10K in the bank for daysI let the days go by and after more than days the Cash Rewards was not awarded to meThey told me that I was not qualified because of the equity line of credit that I am not aware ofI did not even apply for this line of credit and even that I did not receive any letter that I was not qualified

I purchased a vehicle in the State of Ohio (see attachments) in November and financed through Household Automotive Credit CorporationI paid off the loan in I was sent my title in the mail and placed it away for safe keepingI recently decided to sell my vehicle and once the title was signed on the back the new owner took it to the BMV who said that there was a lien on the vehicle as Household did not sign the lien release on the front of the titleYesterday, I attempted to contact Household Automotive (who is no longer in business) and HSBC (who no longer has an auto department) and was unable to get a lien release for my vehicleI was told by multiple customer service reps to call a specific number (see documentation attachment)When you call it says to fax your personal information to a numberHowever, I am not sure if HSBC actually has my title because I am unable to speak to a PERSONI am seeking my lien release and I want to know who holds my title

We have been trying endlessly to get a release of a prior mortgage for the last months that Hsbc has been responsable for since We were instructed to mail the request and information to the Brandon, Flmail address
and the lien release would be taken care of within daysWe are now on our day and each time we call we must wait over 30-minutes
before someone answer the phone call in the lien release departmentThe borrower
has lost his locked in rate already due to this process going beyond the daysAll we need at this point is to get a letter of indication that HSBC will satisfyIf someone from HSBC could give me a call back at *** asap

I applied for and received a credit card from HSBC *** I has $in bonus rewards Tried more than times to reach them, but was either disconnected or left on hold Now they want me to email my identification to ***@us.hsbc.com When I asked to mail it to them, they said they don't have a mailing department and I have to email them The whole thing sounds like a scam I went to their list on your website and every phone number goes to Verizon and not them Their number is ###-###-#### listed on your list

I mailed a $check for payment on my hsbc platinum *** on September 6thIt was received then electronically sent to my bank Chemung Canal in Elmira, NY$deducted from my checking account, but hsbc says never received paymentI have a copy of my bank statement, but hsbc says that won't help because my credit card number is not on itSo where did my money go?

I am trying to get a copy of my lein I have a *** *** The car has been paid off It took years to find out who had the car information I keep calling the number is with not working or no one wants to help I had spoken to Thelma this morning and she will not give me a correct number to House Hold Auto Finance only the mortgage department I had to send several e-mails swell

I recieved a phone call at my place of employment stating I would be served papers for legal action on a credit cardI do not know what they are talking about so I called and there was nothing on file, I was then connected to someone who did not speak EnglishI believe this is a scam I have nothing on my credit report of this card nor do I remember ever having itBe aware

Internet site for applying for a credit card malfunctions, making it impossible to apply The chat line representative was unhelpful and uncooperativ
I am writing to complain about the website for the HSBC bank credit card applicationOn July 4, I filled out all of the information as required Then I got to the part of the application that said:
"Checkbox I have opened, read and agree to the Electronic Communications Disclosure." When I opened it, there was no link to go back to the application When I tried opening the previous page by using the History browser, I was sent to a blank page So I input all the information again This time, I had already read the disclosure, so I just checked the box It sent me back to the disclosure form, with the same lack of a link and, after again using the history feature in the browser, the same blank application
I would like to know how I can fill out an application without being thwarted by tactics that are meant only to haras

I previously had loans from this business The home equity loan was charged off at some point in or I have now sold my home and need the paperwork for closing that discharges the loan from the title
I have requested this paperwork since 6/14/ It was supposedly mailed on 6/or 6/after many phone calls to attempt to acquire itThey refuse to fax or scan or email and will not deal with anything but regular mailThis has held up the sale and closing on the property for weeks and can possibly affect the sale altogether, with the buyer not wanting to wait any longer
This was explained thoroughly to the dept each time we called, with no changeThey even refused a prepaid envelope from my attorney
I don't have high expectations for this companyBut I do expect them to do the right thing for a customer and not be obstructive

To whom it may concernI am trying to contact HSBC regarding a release of Lien and/or copy of my motorcycle titleI have called several times and the representatives are not working with meI mailed a request for my title to Capital one by certified mail and Capital one stated that I have to call HSBC title's deptI called and the representative of HSBC looked up my information by my VIN number *** because I do not have an account numberThe representative told me that my loan was forgiven and request that HSBC mail me my titleI was not given a time frame and I would like a time frame of when my title would be sent to me by mailThanks in advance

The location of loan origination is *** ** office is closedThis mortgage loan was paid/settled 1/11/During this time a Release of Mortgage was never filed by HSBC to date and they are refusing to do a Release of MortgageThey are also refusing communicationMy husband *** *** is deceased and they are saying I am not on the loan and they had me sign papers for the loanThey are running my bank and I in circles requiring endless documentation only by postal serviceWe were not made aware that they had placed a lien on our property

I've been trying, for the last days to request a title to be sent to me from this "Finance Corp."They say that they reply or respond within 7-business days It's been days! That's ridiculousI've reached out to their support lines and was on the phone on 10/(Tuesday) from 4pm until 6:pm attempting to reach their motorcycle lien departmentThey could not be reached and I was transferred times and talked to different peopleThe first manager I had requested to speak to never picked up the lineThen an individual names "Cyna" gave me a Very hard time about being transferred to her managerHe was actually helpful, a man named Carl, who gave me (2) phone numbers to contact tomorrowThis will be day of not receiving a reply or response to their fax - 847.***I provided all of my contact information including phone numbers and address plus all that they needed to process my requestThis is the worst level of customer service I've ever seen from a businessThis is a critical document that I need immediately and they don't even respond to my requestSeriously, they must be on some sort of drug, because this is unacceptablePlease investigate them and take actionThis should not happen to anyoneEver

Predatory practices
Have been trying to resolve an interest rate that is extremely high from at 9.59%
I have called the company and was literally laughed at by an employee as I was trying to get help concerning loan modification or other possible changes in interest ratesThis complaint is not directed at any one of the HFC but at HFC practices
My loan is pending sale and no one has information regarding the details of when this transaction occurredThe company that this is being sold to Select Portfolio Servicing
I had shared that I was seeking legal consultation in regard to thisI was doing research and found that there was a a suit against HFC in that pain a huge settlement for predatory practices
My home loan at that time was over inflatedI will take responsibility for taking the mortgageThe unethical business practices that occurred at this time came to light during investigations when the housing market took a significant reduction in property value

HSBC advertised a promotion offering $for new customers who signed up for a checking account and made consecutive direct deposits totaling $I met the requirements for the promotion, but they are refusing to deliver the $I am entitled toI have gone back and forth multiple times with their customer service, but they have done nothing but give me the run aroundI have account records showing that I met the requirements of the promotion

*** Homeowner Service Corpcompleted escrow analysis and is not following Federal Regulations to pay escrow overage within days Analysis was conducted in February An Escrow Overage is extra funds in your escrow account identified during an Escrow AnalysisIf the loan is current, amounts of $or more will be refunded with a check mailed within days of the analysis Account ***

I have been with Beneficial since I have refinanced a few time and received a loan modification back in I have asked for them to refinance my home because the interest rates sits at percentWhen I make my payments which are monthly, is the mortgage payment but the interest is while the actual principal is only about per monthThey are hitting us with unreasonable interest ratesI would like my interest rate reduced so I can afford to make the paymentsThe other charges are fair and are for property taxes paidThey also charge late fees per month if you are days past due which is also unfair
If they modify and refinance our interest rate our loan will become more affordableTheir only options are to defer payments or to foreclose which is also unfair practice
They also frequently change Mortgage Servicing SpecialistsEach month I get a letter stating I have a new specialist
Because of not so good credit and us