HSBC North America Holdings Inc. Mortgage Complaint

HSBC North America Holdings Inc. Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Kentucky

I started a loan modification process with HSBC back I -/-/-, due to a loss of income with my husbands passing. I received a phone call, saying I was approved, and I needed to make the first two initial payments over the phone that day. I did I paid $1900.00. for -/-/- and -/-/-. Since then I receive calls no paperwork just calls every to to three days telling me they are still working on it. I did make my -/-/- full payment even though HSBC advised me not to. I decided to refinance simply because the rate is lower and I was tired of waiting. My financing is all approved and last week we did a conference call between - -, myself, and HSBC. On this call they stated everything was current and my balance was around -. We requested that this would be faxed to - and when they received the fax it shows a balance of - and - in interest plus it shows me default for -/-/-, -/-/-, and soon -/-/-.


three months, but now they are saying they will not apply it to my account for up to another six months, till the loan modification is done. So I will be in default till then, which will kill my credit. I asked to take me out of the loan modification and explained that I needed this refinance, and they simply said no, we can not. I have asked to speak to a manager, and was told there was no - available to help me. Now when I call them or anyone calls them on m behalf, it disconnects them when they input my information. I have been - up front with them since my husband passed away and all I am trying to do is keep my home and make my payment affordable.