HSBC Mortgage Complaint

HSBC Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account New York

I am a -. I own block/lot # - in the City of -, New York. I use my social security and retirement benefits to pay my mortgage. My mortgage companies are HSBC Bank USA , N.A . ( mortgage co. ) and - ( servicer ). I pay a monthly amount into escrow for my mortgage. They are supposed to use that escrow account to pay my property 's taxes and insurance. In -, I had received notification from the City of - that - taxes were in arrears ( attached ). In - -, I sent - the bills, and I also wrote them several letters ( attached ). After no response, I filed - complaints with the Consumer Financial Protection Bureau in - - ( Case # 's : - and - ). I received a letter from the mortgage companies on - -, - ( attached ). It said that according to their records NO TA-ES were due on the property. They considered the matter resolved. The letter came from - - -, Asst. Vice-Pres. of HSBC ( attached ). Therefore, your Bureau took no further action. However, on - -, - the City sent me


the tax is due. The City says it sent - several letters since - -, without a response. The City also claims it sent a copy of its - -, - letter to -. In - -, I again contacted both HSBC and - several times, but as of today the taxes remain unpaid. The City states that it has sent - numerous letters during the - years that the taxes have been due. The City 's letter itemizing the following fees to be paid : $1200.00 ( back-taxes ), $440.00 ( late fees ), and $250.00 ( in rem proceeding costs ). When I contacted - last month again, they told me they would research '' the matter. I told them I would NOT pay - - mortgage payment of nearly $1700.00, because I wanted to use the money to instead pay the nearly $1900.00 due in back taxes and fees ( as an offset ). - stated that if I did so, they would begin separate foreclosure procedures against me for not paying my mortgage! So I paid the - - mortgage payment to -. Yet, when I spoke to - again, they said they had no record '' that any taxes were in arrears! They are claiming they never got any letters from the City. I need help, before they take my house. I also want to file a RESPA action against the - mortgage companies. I can not continue to endure this -.