HSBC Mortgage Complaint

HSBC Mortgage department,

Home equity loan or line of credit Loan modification,collection,foreclosure Florida

First your site timed me out while typing so I now have to type my complaint again. I do not type quickly as I have an injury that caused a - as is now finally healing so please adjust your site to ask if the applicant needs more time. My complaint was filed with your agency before and also with the Florida Office of Financial Regulation twice. All were closed without a proper response by HSBC Bank. HSBC did an illegal modification of my home equity line agreement which was on time and up to day with additional principal payments in -/-/- without benefit of income verification nor my acceptance in accordance with their own home equity line agreement. I was denied - times for modification with the reasoning of too much income, too little income, and no income. The latter was for a program designed for borrowers anticipating receipt of future income. For me this was Social Security - which I was later awarded. Yes, I was declined for having no income at the time of application. I advised - - of HSBCs intent to foreclose. I was advised they never knew about it so they wo n't do


provided by the - - Modification Department. These copies show they were notified yet they do not want to do anything. While recovering from significant injuries sustained in a car accident caused by an older man with cataract and subsequent complications to - - -, - -, and -, I still paid these inflated payments with reduce income exhausting my personal savings and my retirement in the process. This als had a negative impact on my credit history bringing my nearly - beacon score down to -. I am a - by profession. I had several job offers given my experience and references, but once my credit was reviewed, the offers employment were withdrawn. I was previously well respected in my field. This was heartbreaking on the top of injuries to loose what I had worked so hard for and not be able to support myself. I was forced to accept a position as - earning $- from my prior low income of $- as they did not review credit. This violation of my rights has caused me significant hardship. I have been in contact with the office of Congressman - - -. A representative, - - -, has consented to assist me as she feels strongly that my rights have been violated. She has copies of my Heloc agreement, the Intent to foreclose, the previously filed complaints and other documents. I am currently awaiting a response to a message I left advising that I had obtained the -/-/- - -/-/- bank statements from from - - Bank on an account I closed in -/-/-. I am confident now that with both the Congressman 's office and the Bureau of Consumer Protection on my side that there will be justice and HSBC will be held accountable for violations and they injustice they have perpetrated on an innocent consumer.