Consumer complaint received 04/25/2015 about Consumer Loan (Vehicle lease) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I need the lien removed off of our vehicle that has been paid off since 2006. HSBC states they do n't have record and your dmv said XXXX would release lien. XXXX states they do n't have the record because its too old. There is XXXX complaints regarding the same issue that HSBC did to others. And over XXXX complaints altogether regarding their illegal company. I need your help getting this taken care of. I have also paid in full the title to be sent. I have multiple email from dmv telling me that hsbc has to sign removal of lien but they wont ever return phone call. They no longer have the records because its more than 14 years since I bought the car. Hsbc is very unprofessional company. Look them up under bbb and complaints on the internet. Please clear the lien so I can sell the car. I am trying to abide by the law but I can not if I cant get the title. I would greatly appreciate itHere is proof I have been told so many different rules and I have followed them all. I have been to dmv multiple times. I also want this company investigated for all the grief it has caused others and the money it has stolen from many. 



Show ImagesChange this settingPhotos XXXX XXXX AllI do n't have the title and lien holder has closed down so how do I get a letter of lien? I appreciate you responding but that is not answering my original question. 









Sent from my XXXX I do n't have the title and lien holder has closed down so how do I get a letter of lien? I appreciate you responding but that is not answering my original question. 



Good afternoon XXXX, Thank you for contacting us. I hope you are having a nice day! If you are unable to obtain a release of lien letter and the lien is over 10 years old, please provide the following to the a local county tax office : Title Title application ( attached ) Statement of fact that states " lien has been paid and lienholder can not be located. '' {$33.00} title feeYou will leave the lienholder section blank on the title application. 

XXXX County Tax OfficePhysical:XXXX XXXX XXXX XXXX Texas XXXX : XXXX O. XXXX XXXX XXXX, TX XXXX : ( XXXX ) XXXX : XXXXXXXXXXXX : http : //www.hctax.net/Please let us know if you have any questions. We are happy to help! 
Sincerely, XXXX XXXX XXXX XXXX XXXX Division Customer Care Representativeemail : AskDMV@TxDMV.gov Phone : XXXX or XXXXWe love hearing from our customers and value your feedback. Click here to take a short survey. 

Vehicle InformationVIN XXXXPlate Number : Subject & RecipientsMain Subject : MotoristsMotorists Recipient : AskDMV@TxDMV.govDealers Recipient : Motor Carriers Recipient : Consumer Protection Recipient : Media Inquiries Recipient : Feedback Recipient : Open Records Recipient : MessageI need to get title on this car. I have paid over XXXX for it and still no title. It was paid off almost 10 years ago. It is a XXXX. The lien holder states they do not have my account anymore and it is considered inactive. Can you please send me the title or tell me what to do to get it. I have printed the XXXX form out but not sure of what to put on lien holder because they are out of business. I paid car off and much more with interest. I see on the web that any car with a lien more than 10 years is dismissed and I am rightful owner. 

I just need to sell car please. 

Thanks, XXXX XXXX XXXX Good afternoon XXXX, Also bankruptcy was filed in XXXX last year and we owed nothing on it anyway but if they say we did it is under bankruptcy.

Company response to consumer: Closed with explanation