Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
XXXX XXXX receieved " Stipulation of Judgement '' for the sum of {$11000.00} XXXX XXXX set up payment plan of {$260.00} a month for the remaining 3 months and payed an additional {$950.00} for a total of {$1700.00} XXXX, XXXX, XXXX and XXXX payed {$3100.00} each year for a total of {$12000.00} XXXX payed a total of {$2600.00} because our checks weren't being cased and we couldn't get ahold of the collection company to find out why. 
Our total payments were {$16000.00} XXXX XXXX we weren't getting any response to calls, voicemails and emails requestion validation of debt, and balance owed. We assumed we were paid in full. 
XXXX XXXX XXXX received renewal for " Stipulation of Judgment '' XXXX XXXX XXXX called and spoke to XXXX from XXXX XXXX who had taken over the collection from XXXX, XXXX, XXXX and XXXX. 
We told her of our previous request and concerns and she asked us for proof of all payments be emailed to her which we sent. 
XXXX XXXX XXXX received a spreadsheet in the mail with amounts paid to XXXX, XXXX and XXXX. We called and told XXXX there are several missing payments and the balance is incorrect. 
From XX/XX/XXXX thru XX/XX/XXXX We continued to email back and forth with XXXX asking for updates and she continued stating she was working with the client to go over the proof of payments and would get back to us with an answer. 
After XXXX XXXX we never received a response back to emails send and voicemails left for her. 
We assumed again we were paid in full and the client was satisfied. 
XXXX XXXX XXXX we received once again an " XXXX XXXX XXXX XXXX' XXXX XXXX XXXX called and spoke to XXXX at XXXX law office and explained how we have never received a response from anyone at her office regarding the response from the client back in XXXX when we request the correct amount owed then. She stated someone would get back to me. 
We never received a call back. 
XXXX XXXX XXXX We emailed XXXX again stating our last email from XXXX in XXXX of XXXX she was suppose to let us know what the balance was after speaking to her client so that we could pay off the debt and received no response Between XX/XX/XXXX and XX/XX/XXXX we called the XXXX XXXX XXXX to set up a call with XXXX XXXX. We did this several times with no calls back. 
XX/XX/XXXX XXXX received a call from XXXX XXXX, we went over previous discussions with XXXX and how our attempts at getting the balance owed for the past 7 years had gone XXXX answered. He asked if we thought we still owed anything and we stated we felt we were all payed up. He then said he would reach out to his client and find out if the debt was satisfied. 
We never heard a word back from him after repeated calls to his office for requests. 
XX/XX/XXXX We go to refinance our home and find out XXXX XXXX has put a lien on our home for the amount of {$19000.00} with an accrual amount of {$6.00} a day. 

The practices of XXXX XXXX XXXX have been shady, unprofessional, crooked, suspicious, and unethical from the start. They don't want you to pay off your debt. Instead when you inquired about your balance they stop all communication and wait for 6 years to pass so they can file another renewal. This should be illegal and needs to be stopped. They threatened to attach our wages and now have a lean on our home. 

We have been force to pay the amount due at this time to reinsure it doesn't continue to rack up more debt. 

We are considering legal action and would like them to be held accountable for not giving us the amount due 8 years ago so that we could pay it off then.

Company response to consumer: Closed with explanation