I have an auto loan with HSBC. I have been making payments through US Bank ebill system (Started Feb), where they cut a check each month to pay all of my bills.
Payments were sent out on time, and my account was debited for the expenses, again on time.
Two Rip Offs are taking place.
First: HSBC is now saying that they did not receive a payment for Feb. 2005 - they claim it was returned for NFS. They have since applied my March to Feb. Payment and are now showing me late for March.
I have supplied them with an electronic copies of my check which cleared the bank, as well as has their company stamp on the back of the check verifying that they received it.
They are now stating that the certified copy of the check from the bank is not sufficient proof of payment.
They are demanding a complete running record from my bank with no black outs and no missing pages before they will correct the matter.
I am refusing to furnish this information because I have all my monthly bills paid through ebill, meaning all of my other account numbers are also listed on the running statement.
I have attempted to explain that they are violating my privacy rights by demanding this information. I have also quoted the Check 21 law that went into effect last Oct. Stating that an electronic check must be accepted under the law as if it were the original. They claim that does not apply to them.
I am receiving phone calls from collections up to 5 times a day from these people. I tell them the same thing every time and they continue to call.
I have demanded that they stop harrassing my under the claus that an account in dispute provides relief for the client for up to 30 days while the matter is being resolved. They state the only way to stop the calls is to pay the bill.
Someone please help me. They are going to reposses my car, and I have paid them, and provided proof of such payment.
0 comments