HSBC Mortgage Complaint

HSBC Mortgage department,

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

HSBC is refusing to accept Qualified Written Requests ( QWR '' ) under Section 6 of RESPA. HSBC sent me a notice that it had transferred the administration of my loan to -, and that any QWR was to be mailed to an address of -. A copy of the notice is attached. I wrote HSBC a QWR in - -. I mailed it and faxed it. I also filed a complaint with the CFPB. My - tax payments were in arrears, although I had paid for them through my escrow account. I received a letter back from HSBC in - -, stating that the bank got my CFPB complaint, and my fax to its service center. However, HSBC claimed it did not receive a copy of my letter to the address it specified for QWR 's ( - - - ). That is a DIFFERENT address from the notice they had sent to me before. They discussed my


not consider [ my letter ] to be a QWR as defined in Section 6 of RESPA. '' A copy of HSBC 's letter is attached. I sent HSBC another QWR in - -, and again filed a complaint with the CFPB. My taxes had still not been paid from my escrow account, and my house was now in foreclosure. I sent the letter to the - - - address HSBC had said it designated for QWR 's. A copy of the certified mail receipt is attached. Yet, I received a response letter from HSBC in - -, AGAIN stating that they had not gotten it at the proper address and that they would therefore not consider it to be a QWR as defined in Section - of RESPA. '' A copy of HSBC 's letter is attached. I want to know that my letters from - - and - - are each QWR 's. I want confirmation that the - - letter in particular was received by the proper unit designated to receive it. I also want an explanation why a CFPB complaint or a complaint to any HSBC service center does not get treated as a QWR under law. I do not want HSBC acting as if it can selectively ignore RESPA by denying complaints QWR status. Thank you.