I had a car financed with HSBC. I stopped receiving statements and come to find out my account was sold to Santander. Santander could have cared less about my payment being late even though I had no idea what had happened. I have had some kind of problem every month since this new company took over. I ended up refinancing with someone else. Santander said they never received payoff for the car even though the check had been cashed three weeks earlier but they reported me to the credit bureau saying I was delinquent. Now I have to deal with that. GREAT customer service huh???

WHY SHOULD I BE CITED FOR NOT HAVING PROOF OF INSURANCE? I FEEL THAT IT IS ONLY FAIR THAT IF WE PAY EXTRA FOR AUTO INSURANCE WE SHOULD HAVE SOME SORT OF PROOF LIKE AN INSURANCE CARD LIKE ALLSTATE...MAYBE WE SHOULD HAVE OUR AUTO FINANCE COMPANY BE RESPONSIBLE FOR OUR CITATIONS?

When my Chevy van broke down with expensive transmission troubles in 2004, my sister suggested instead of paying for a new transmission to try to trade in my van for a newer vehicle. At first I thought this could be a good thing, I could get a newer vehicle, make payments to re-establish my credit, And the dealership was offering a guaranteed $4000 trade in for my broken van for a used car.

I settled on a 2004 Chrysler PT Cruiser basic model. The car had 16000 miles on it already but we were offered the extended warrantee with it. The total price for the car with the trade in was $14, 000. Everything was fine until the dealer had trouble finding me a financer. My credit was shot after hurting myself on the job 10 years before. I had a lot of unpaid medical bills I was fighting since the worker's comp was supposed to pay them. In the interim, I got stuck with them on my credit, lowering my score to about 545.

The dealer finally said he found a bank to take my note, but I would need a co signer. My sister who went with me to the dealer agreed to sign for me, and after signing the papers I drove home with my new/used Chrysler.

I am from Buffalo, New York originally, and HSBC is everywhere there. They have a 22 story tower there, bank branches throughout the region and they sponser the areana where the Sabres play. I even had my bank account with them for 15 years before moving to Indiana where they don't have branches here. I thought I would get the same level of great service I got in Buffalo, boy was I wrong!

They never sent me a payment book for the car, instead they send a bill every month. The first bill I received said the total balance with the agreed upon 7.9% on my note was close to $17, 000. That seemed about right, and I started to make my payments on time, every month.

Also, they had the wrong name as the primary borrower. They had my sister as the primary and me as the co signer. I called the 800 number on the back of the bill to question this and was told it didn't matter who's name was first, we were both responsable for the bill. This was the first red flag for my sister and I, but we knew we couldn't find anyone else to take the note. So I paid my bill, on time every month so it would not reflect poorly on my sister's credit or mine.

However, there were some months when they would call claiming they did not receive my payment. I knew this could not be right since the payments were going to Carol Stream, Ill, which is near Chicago and we are in Indiana about 60 miles from Chicago. I pointed this out to the representitive on the phone that it only takes 1 day to get the mail from Indiana to Illinois and that the payment was mailed at least 10 days before the payment was due. Even if they had the slowest mail room in Chicago, they still should have received the payment.

The rep barely spoke English, he had a very heavy East Indian accent. He insisted that I had to pay my payment by credit card right there over the phone. I refused, and informed him that it is illegal to make such a demand since he could not proove he was actually from the bank. When I pressed back for confirming information, he refused and hung up on me. But an hour later another rep called with the same tune, pay now by credit card. I again asked for confirmation that he was with the bank, and was hung up on. Again, this rep spoke with a thick East Indian accent.

We stopped answering the phone to that phone number, and a few days later the calls stopped. However, every few months or so, I would get calls like this. I made a complaint with the FCC about harassing calls, then they stopped until I actually did have a late payment. But this did not happen until almost 4 years later.

I recently hit a bad spot financially. The rising gas prices, my rent was increased, our utilities went up, so did the cost of groceries. This ment that the loan was getting paid later and later every month. So the calls begain again. This time they were even more agressive, threatening to repo the car with only one month past due. I missed 1 payment but continued to pay my payment leaving me steadily 1 month behind.

They now call from about 6 different numbers, with different area codes. I went into the hospital in June for a few days. I do not have health insurance and I am self employed. If I don't work I don't get paid and thus don't have any money. I missed another payment with HSBC. I have tried to make as many payments as I can, even partial payments. However, when they send me my statement now, it says that the total of my partial payments is correct. But when you look at the breakdown of how they applied the payments it is nuts! It says for an example, they received $450 in payments that month, out of that payment $350 went to interest payments, $70 went to late fees and the remaining balance was applied to the princaple!

I went back and took a good look at how the bills were applied for the last few years, they did the same thing, even when the payments were on time for over 3 years! They took a huge portion of the payment to pay 'interest' and then applied a small amount of my payment, usually less than $50 per month toward the balance owed!

I have loans with other companies, two to be exact. Both of those loans has the total amount owed that includes the interest applied. When I make a payment to them of $110 dollars on time, my bill is reduced by $110 dollars. When I am late there is a set late payment fee applied that must be paid in addition to the regular payment.

I have paid these blood sucking vultures over $12000 on my note which they say with the interest was a total of $17000. So how is it that my bill says that I still owe almost $9000? I don't know who is their 'math wiz' but there is no way I still owe that much on this loan. They are still threatening me with repo, and I am shopping for an attorney to sue. If they keep this up I will put the car in locked storage and buy a beater until this is resolved.

Up to ten calls a day on my personal cell phone which is used exclusively for family medical emergencies. There is no live person to talk with nor any effective e-mail address to lodge complaints or demand a stop to these unwanted calls. A letter sent to their San Diego address was not answered and the calls continued. Repeated complaints to the FCC only resulted in HSBC Auto Finance routinely changing the numbers they call me from. I've never had any account with HSBC and obviously never will. I'm at my wits end on how to put a stop this. Verizon Wireless cannot block the calls so the only real option is to change numbers which is a major inconvenience.

I called to inquire about my account and the status. First, I was told by an Indian call center rep that my account was current. A few weeks later, I called again and an Indian lady told me I was current but only for the last 30 days. She could not research back the past 6 months or so. On the third call after about another couple of weeks, I was told I had delinquent 30 and 60 day records. I wanted to get additional information on why this happened all of a sudden. I was not given a satisfactory response. On the fourth call, I was patched through a call center in the Philippines and I was told that I had numerous delinquencies and they were going to update my record to reflect the delinquencies on my credit report. Come to find out, without delay, that is exactly what they did. At first, I did not have the delinquencies and just because I called to inquire, they made their discovery, found me to be uncooperative, and made my credit report worse than it was originally. I have hired an attorney to help me but it seems HSBC is standing by their inaccuracies. I had actually been paying on time and one month, I paid in advance. Evidently, this advance payment threw off their computer system. When I did not pay the following month, because of the advanced payment, their system recorded this as non-payment. We have argued this but they continue to bully us and disregard proper correction. This is by far the worst customer service I have ever dealt with. And come to think of it, we only have 2 months more to pay and the whole loan will be completely paid off. Out of the 60 months payments, I obviously have been late a few times but this does not give HSBC the right to be prejudice to me nor become retaliatory or discriminatory. I do not know what else to do. If this loan is completely paid off, the more HSBC will no longer have any interest to resolve and/or correct the problem. Please help if you can. Sincerely, Rolando 843-303-3411.