HSBC Mortgage Complaint

HSBC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Illinois

Beginning - 2014, my income was reduced and I began having difficultypaying my mortgage. I applied for Loss Mitigation to try and reduce my monthlymortgage, however in - months time, HSBC never reviewed the requireddocuments. They kept writing me saying the documents were old, and I had tosend more recent ones. When I did send more recent ones, they were neverreviewed in the time frame needed, and they kept asking me to provide morerecent documents - bank statements -. I worked with a mortgage specialist there, - -, who made sure I faxed the needed documents in time. He confirmed each times that he received my documents in time, and that I would hear from them with an answer in - days. This happened at least - times since - 2014, but my application/documents were never reviewed, and I kept gettingletters from HSBC, saying my documents were old and I had to send more. At thispoint, my entire mortgage is now due, and my mortgage account has gone to theattorneys for foreclosure. I really needed help from HSBC with loss mitigation, however it seems they really are n't trying to help the customer with lossmitigation applications. It 's also often


Something 's drastically wrong as they make a commitment to helpcustomers, but they do n't hold up their end. Can someone make them keep theircommitment to help me? After the Florida Atty. General investigation, I received a response from the Vice-President of Customer Disputes, - - -. However, her information given was certainly NOT parallel with the information I received from - -, the Mortgage Specialist, nor his supervisor -. - - Office - Customer Disputes - stated the reason why my loan applications were denied, were the following:1. My bank statements had a third party '' name - joint account with my husband ). 2. I submitted bank statements from - different banks - which I use all actively ). 3. I did not submit my prior years tax return ( I was never asked for this item ). These - apparently required items ( above ) for the application were NEVER communicated to me by - - communicated to me by - - - - Mortgage Specialist ). - - viewed the documents I submitted, and communicated that I would receive an answer within 2 weeks. He communicated this to me each time I submitted further documents - several times -. He NEVER mentioned the - items noted above. if I 'd known these items were required, I would have made the necessary adjustments much earlier, and had a better opportunity to finally complete my application. However, the only information I repeatedly received from - -, was the the documents were no longer recent, and I needed to re-submit recent documents, which I did several times in a timely fashion ( - - confirming the receipt of my documents in the given time frame with each submission ). I ca n't help but ask, where and when did these apparently new requirements emerge? And why was I never informed? Were these merely presented in response to the Attorney General 's Investigation into my complaint? Why was I never informed of these requirements, or given full disclosure as required by law? Or have my rights to full disclosure been violated? Hence, seeing this pattern continued for months, and not being given the proper information - the - items numbered above ), my mortgage account is now completely delinquent, and will be dated for foreclosure soon. I 've done everything in my power to bring attention to this matter, in making a much needed application for loss mitigation.