Consumer complaint received 2019-08-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please allow me to respond to XXXX XXXX XXXX, XXXX ( XXXX ) XX/XX/XXXX response to CFPB ( XXXX ) and Beneficials ( HSBC ) XX/XX/XXXX response to CFPB ( XXXX ), as well as XXXX XX/XX/XXXX response to XXXX XXXX of the New York State Department of Financial Services . As the following will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC and XXXX continued and past unscrupulous actions. 
First, XXXX states, XXXX currently has the authority to process Assignment of Mortgage ( AOM ). XXXX is confident our processing of any AOMs is valid and compliant, and we find no merit to the claim of fraudulent AOMs. I disagree. Since XXXX failed to provide me a copy of the AOM, I obtained a copy myself. It lists XXXX as the assignor as Attorney In Fact for Beneficial Homeowner Service XXXX, yet no written power of attorney from Beneficial to XXXX is attached to the AOM. Does one exist? Has HSBC given XXXX Power of Attorney? The AOM was prepared and submitted by XXXX XXXX XXXX, not XXXX. XXXX XXXX XXXX is located in XXXX XXXX, MO and XXXX is located in XXXX XXXX XXXX, UT. How does that Notary process work? Did the Notary in UT fly to MO to notarize the document prior to XXXX XXXX XXXX submitting via simplifile? The Assignee is listed as Beneficial Homeowner Service Corporation, as indenture trustee, for the holders of the XXXX XXXX XXXX, yet the allonge to the note provided in XXXX response is XXXX XXXX XXXX  XXXX. What about XXXX Validation of Debt Notice correspondence dated XX/XX/XXXX, stating XXXX was collecting debt on behalf of XXXX XXXX XXXX, the investor who currently owns your mortgage loan. Additionally, HSBC states they sold the loan to XXXX XXXX XXXX on numerous occasions, yet no documentation has been provided substantiating these transactions. The AOM states, For value received, the Assignor does hereby grant, sell, assign, transfer and convey, unto the above-named Assignee all interest under that certain Mortgage Dated XX/XX/XXXX, in the amount of {$32000.00}, executed by XXXX XXXX XXXX AND XXXX XXXX XXXX, Husband AND Wife to Beneficial Homeowner Service Corporation and Recorded XX/XX/XXXX, instrument # XXXX in XXXX XXXX, State of New York. It also contains the property address as XXXX XXXX, XXXX, NY XXXX and absolutely no legal description of the alleged security interest. My review of said recorded mortgage indicates the mortgage has an address of XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$32000.00}, which are both inconsistent with the AOM XXXX allegedly legally recorded. It is my opinion, XXXX did not record the legal description because, as they have been informed, they know it neither matches the note or the mortgage making it void. However, in true XXXX fashion, they continue to misrepresent the facts in order to deceive and/or manipulate all interested parties to their benefit. They continue their Ponzi scheme in order to defraud the American public. Both the AOM and Allonge to the note is signed by XXXX XXXX, Document Control Officer. I am uncertain if this is a real individual or not. 
Secondly, XXXX states, Please be advised XXXX has requested all recorded assignments, and they will be sent under a separate cover. Ive never received, nor do I believe they even exist. 
Thirdly, XXXX states in its correspondence to the New York State Department of Financial Services, In the inquiry, Mr. XXXX requested an update on the foreclosure process on the account. Due to the status of the account, we will not be pursuing foreclosure. What is the status of the account then? Why does XXXX continue to send mortgage statements? Why has XXXX not filed a valid probate claim against the estate of XXXX XXXX XXXX? I surmise it is because there is no valid account, valid mortgage, or valid note. Additionally, this seems to be contrary to previous documentation I have received including a XX/XX/XXXX Mortgage Statement that states, XXXX has referred your account to an attorney for legal action. 
Fourthly, XXXX states in its response to the New York State Department of Financial Services regarding property inspections, There may be occasions when more than one inspection is required, such as when an account is delinquent with limited customer contact. Its remarkably ironic, XXXX stopped inspections, forced placed insurance and sent notice of closure of an escrow account shortly after my complaint being filed. However, this does not negate the past fraudulent inspections, BPOs, forced placed insurance and misc. fees erroneously charged to the alleged account during the time preceding this complaint for a property they have no security interest or standing to enforce. 
Lastly, it is evident both HSBC and XXXX continue conspire to defraud and prey on unaware private citizens as well as state and local governments/officials and continue to go unchecked or held accountable. My attachments provide my evidentiary documentation, and as the Fiduciary for the Estate of XXXX XXXX XXXX, I continue to dispute and reject any claims from HSBC or XXXX and affiliates. 

PS : CFPB website would not accept attachments, therefore, they have been sent to interested parties under separate cover.

Company response to consumer: Closed with explanation