Consumer complaint received 2018-05-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX , XXXX. ( SPS ) and XXXX XXXX XXXX ( Beneficial ), is in violation of conspiracy to commit fraud, deceit, falsification of documents and misrepresentation. Complaint # 1 : On XX/XX/XXXX and XX/XX/XXXX, I received a response concerning a CFPB complaint from both XXXX and Beneficial ( see attached ). Within those responses were copies of a document, entitled Loan Modification, dated XX/XX/XXXX. The ONLY signature on the document was my deceased fathers, which he dated XX/XX/XXXX. My deceased mothers signature block contained the word Deceased. In addition, the document included a stamp on the first page that stated, Received XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX. On XX/XX/XXXX, I received correspondence from SPS which contained what appeared to be the same Loan Modification document which I received copies of from XXXX and Beneficial on XX/XX/XXXX and XX/XX/XXXXrespectively. However, upon further review, I could see how it had been fraudulently altered and/or falsified/backdated. The similar Loan Modification document I received on XX/XX/XXXX now contained two additional stamps. One stated, Received Inter-Office Trailing XX/XX/XXXX Capture Center XXXX, FL and the other stated, Vice President and Asst. Secretary, Administrative Services Division of XXXX XXXX XXXX. In addition, this copy of the document now contained the unreadable signature on the Lender signature block, which was dated XX/XX/XXXX ( see attached copies ). I can only assume these documents were altered sometime after XX/XX/XXXX and XX/XX/XXXX ; more than two years after my father signed the document on XX/XX/XXXX. Therefore, I deem this fabricated document as null and void. Complaint # 2 :  On XX/XX/XXXX in correspondence I received from SPS, they give and address for XXXX XXXX XXXX XXXX ( Alleged Owner of Note ) as XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. This contradicts the address XXXX provided me in correspondence dated XX/XX/XXXX. In that correspondence they stated the address was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Attention : XXXX XXXX XXXX XXXX. Complaint # 3 : In numerous correspondences from XXXX they state, Your assigned Relationship Manager is XXXX XXXX. I have yet to hear from this person via telephone or in writing and preliminary investigation indicates that she is not who XXXX states she is. Complaint # 4 : On XX/XX/XXXX, I received correspondence from XXXX stating they are, based on a business decision, unable to provide assistance. Not sure what prompted them to think I want or need their assistance. In fact, in my Complaint XXXX, dated XX/XX/XXXX. I advised them I have repeatedly attempted to request information regarding this account, which has only been met with non-compliance, insufficiency, vagueness, and misrepresentation and unconscionable deceit. Therefore, I have little interest in any work-outs regarding this account until such time it can be proven to me that the alleged obligations you claim are legal and enforceable. Therefore, at this time, I rescind all verbal and written offers to cure this alleged obligation. I fully dispute the validity of the alleged debt, ( current and future ), regarding account number XXXX, as claimed by XXXX XXXX XXXX , XXXX and any associates. I have never sought approval of any modification and had never sent them an application for approval of a modification. I can only assume XXXX is attempting to receive Federally Funded Credit for the false attempt. I have identified many more discrepancies during the course of my investigation that will be revealed at a later date. XXXX and Beneficials unethical and seemingly fraudulent behavior continues unchallenged by the appropriate authorities.

Company response to consumer: Closed with explanation