Complaint Rating:

Company information:
HSBC Auto Finance
100 Loganberry Circle
Goose Creek, South Carolina
United States
Phone: 843-303-3411

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.