HSBC - Household Auto Finance RipOff, Excessive Calls, Abusive staff, No Management to speak with. Pomona California

I financed my motorcycle through HSBC. I financed $5000.00 and I made multiple payments that were double what I needed to and once made a 1/4th payment for the month. In November or December of 2005 2 payments were electronically deducted from my account (only one was supposed to). I called and the rep refused to return it, said they couldn't. Then I was told they could "mail me a check" in two weeks. I PAID ELECTRONICALLY!

After a lot of yelling the representative went ahead and applied one of my payments to the next month's bill. THEN it happened again 6 months later in May of 2006! I called and complaint and they did not give a d**n. On June 2, 2006 I finally got Sam fromthe Illinois Call Center to refund my payment. He said I would get it in two weeks. In mid June I still had not receive my check so I requested a payoff amount (by email! - documentation) and received the payoff amount TWO DAYS later (they say they will respond in 24 hours) My payoff amount was dated on the 16th and good through the 30th of June. My bank issued a check for the full amount and it was mailed, dated June 23rd, 2005.

On June 26th the website noted a processed payment for $99.00 - 24 days after they said they processed my return - HA! Well on the website they show that they received my last payment of over $1,417.74 but they should that I now owe $99.00. It is July 5th, 2006 now and I still have not received the stupid refund - which IF I ever do will be returned to sender. I wonder if they will ATTEMPT to charge interest for that $99.00 that I will never deposit or handle in any way shape or form. By the way - I was a great customer, with good credit (I purchased a home just fine)AND just an FYI, this company is finance outside of the US and that is probably why they are so deplorable. I kept documentation of everything just in case they try to pull something. Never again HSBC!

I financed my motorcycle through HSBC. I financed $5000.00 and I made multiple payments that were double what I needed to and once made a 1/4th payment for the month. In November or December of 2005 2 payments were electronically deducted from my account (only one was supposed to). I called and the rep refused to return it, said they couldn't. Then I was told they could "mail me a check" in two weeks. I PAID ELECTRONICALLY!

After a lot of yelling the representative went ahead and applied one of my payments to the next month's bill. THEN it happened again 6 months later in May of 2006! I called and complaint and they did not give a d**n. On June 2, 2006 I finally got Sam fromthe Illinois Call Center to refund my payment. He said I would get it in two weeks. In mid June I still had not receive my check so I requested a payoff amount (by email! - documentation) and received the payoff amount TWO DAYS later (they say they will respond in 24 hours) My payoff amount was dated on the 16th and good through the 30th of June. My bank issued a check for the full amount and it was mailed, dated June 23rd, 2005.

On June 26th the website noted a processed payment for $99.00 - 24 days after they said they processed my return - HA! Well on the website they show that they received my last payment of over $1,417.74 but they should that I now owe $99.00. It is July 5th, 2006 now and I still have not received the stupid refund - which IF I ever do will be returned to sender. I wonder if they will ATTEMPT to charge interest for that $99.00 that I will never deposit or handle in any way shape or form. By the way - I was a great customer, with good credit (I purchased a home just fine)AND just an FYI, this company is finance outside of the US and that is probably why they are so deplorable. I kept documentation of everything just in case they try to pull something. Never again HSBC!

I financed my motorcycle through HSBC. I financed $5000.00 and I made multiple payments that were double what I needed to and once made a 1/4th payment for the month. In November or December of 2005 2 payments were electronically deducted from my account (only one was supposed to). I called and the rep refused to return it, said they couldn't. Then I was told they could "mail me a check" in two weeks. I PAID ELECTRONICALLY!

After a lot of yelling the representative went ahead and applied one of my payments to the next month's bill. THEN it happened again 6 months later in May of 2006! I called and complaint and they did not give a d**n. On June 2, 2006 I finally got Sam fromthe Illinois Call Center to refund my payment. He said I would get it in two weeks. In mid June I still had not receive my check so I requested a payoff amount (by email! - documentation) and received the payoff amount TWO DAYS later (they say they will respond in 24 hours) My payoff amount was dated on the 16th and good through the 30th of June. My bank issued a check for the full amount and it was mailed, dated June 23rd, 2005.

On June 26th the website noted a processed payment for $99.00 - 24 days after they said they processed my return - HA! Well on the website they show that they received my last payment of over $1,417.74 but they should that I now owe $99.00. It is July 5th, 2006 now and I still have not received the stupid refund - which IF I ever do will be returned to sender. I wonder if they will ATTEMPT to charge interest for that $99.00 that I will never deposit or handle in any way shape or form. By the way - I was a great customer, with good credit (I purchased a home just fine)AND just an FYI, this company is finance outside of the US and that is probably why they are so deplorable. I kept documentation of everything just in case they try to pull something. Never again HSBC!

I financed my motorcycle through HSBC. I financed $5000.00 and I made multiple payments that were double what I needed to and once made a 1/4th payment for the month. In November or December of 2005 2 payments were electronically deducted from my account (only one was supposed to). I called and the rep refused to return it, said they couldn't. Then I was told they could "mail me a check" in two weeks. I PAID ELECTRONICALLY!

After a lot of yelling the representative went ahead and applied one of my payments to the next month's bill. THEN it happened again 6 months later in May of 2006! I called and complaint and they did not give a d**n. On June 2, 2006 I finally got Sam fromthe Illinois Call Center to refund my payment. He said I would get it in two weeks. In mid June I still had not receive my check so I requested a payoff amount (by email! - documentation) and received the payoff amount TWO DAYS later (they say they will respond in 24 hours) My payoff amount was dated on the 16th and good through the 30th of June. My bank issued a check for the full amount and it was mailed, dated June 23rd, 2005.

On June 26th the website noted a processed payment for $99.00 - 24 days after they said they processed my return - HA! Well on the website they show that they received my last payment of over $1,417.74 but they should that I now owe $99.00. It is July 5th, 2006 now and I still have not received the stupid refund - which IF I ever do will be returned to sender. I wonder if they will ATTEMPT to charge interest for that $99.00 that I will never deposit or handle in any way shape or form. By the way - I was a great customer, with good credit (I purchased a home just fine)AND just an FYI, this company is finance outside of the US and that is probably why they are so deplorable. I kept documentation of everything just in case they try to pull something. Never again HSBC!

I totally agree with what your saying. I purchased a 2001 Olds Alero in 2001 and because I had bad credit I had to go with HSBC. At first, things were ok and then I lost my job and I was having a hard time making payments. Eventually the car was repossessed. Actually, HSBC was quite helpful in arranging for me to get the car back. Now, however, they can't find payments, they call at least 30 times a day on average, and they outsource to these Indians who can't speak a lick of English. They completly lie over the phone. I have gotten, to date, six different renditions of where my money has gone and when I told them that I was going to stop payments until they found out where it was, they threatened to take the car. I calmly informed them that the car is in a garage and there is no way that they will get it. I work on a military base and one of thier operators told me that the base did not exist!! Yep, he said that I was lying and that Ft. Snelling MN was not a base. That was when I knew that these people have got to be the dumbest idoits on the earth. I do plan to pay my car off soon and when I do, I'm going to have them fax me a document on thier letterhead stating that if I pay the amount by that date it will be done. That should clear the whole different amount thing. Good Luck with these idiots.

Amanda,

I am in the same boat as you, I financed through household and have had nothing more than problems with their collections department, and everyone else that involves them. They have 3rd parties who make the calls. I was told that in this situation, to contact your state attorney general, but, on this complaint form, it states that the company has to be given a reasonable amount of time to solve the problems before recommending filing a complaint with the attorney generals office. I was also informed the better way to resolve this, is by sending household a signed and dated letter, stating the problem, and you also need to send a copy of the money order and anything that may be helpful, and how many attempts you have already tried to get this matter resolved. You need to make a copy of the letter sent for record purposes! if needed, send it certified, that way they have no choice but to sign and cannot say they have not received your letter, as they claim they haven't received payments and so on so forth. If they do not fix the problem (atleast within 7) business days give or take, i would definetly seek the attorney generals office for further help to resolve it. I wish you alot of luck! Please keep us updated on the outcome! Surely, if household doesn't find the error and fix them, then the attorneys general can!

Don't be sorry Amanda. You got to call it as you see it. These people ARE idiots! They are (next to CitiFinancial), the most moronic, incompetent excuses for a finance company that has ever infested this planet. These people get off on treating us like they do. Be extra careful and make sure you document EVERYTHING that is going on with your payoff. You can get about 1000 different versions of the "payoff" amount, which is meant to confuse one into paying more than is due. Household is a criminal organization and should be shut down and its' operators put in prison.