Consumer complaint received 2018-10-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint and subsequent information is in response to HSBCs response to my XX/XX/XXXX complaint dated XX/XX/XXXX, Case Number XXXX-XXXX. In HSBCs response, they seek additional information as to why the legal description in alleged mortgages ( XXXX XXXX ( HSBC ) XXXX, XXXX XXXX AND XXXX XXXX do not match the legal description of said property ( XXXX XXXX XXXX ). I regret XXXX XXXX, Vice-President Customer Disputes Customer Resolution Department and her associates are too inept to understand the facts. The following are the facts : FACT 1- DEED XXXX ( LEGAL DESCRIPTION ), DATED XX/XX/XXXX ARE CONTAINED IN RECORDED BENEFICIAL MORTGAGES ( HSBC ) XXXX, XXXX XXXX, XXXX XXXX AND ALLEGED CONSOLIDATED AGREEMENTS. FACT 2- THE TITLE SEARCHES CONDUCTED BY HSBC FOR EACH ALLEGED MORTGAGE CONFIRM THE LEGAL DESCRIPTION REFERENCED ABOVE. FACT 3- THE  DEED CORRESPONDING TO XXXX XXXX XXXX IS LEGALLY DESCRIBED IN DEED XXXX, DATED XX/XX/XXXX. FACT 4- THESE LEGAL DESCRIPTION ARE TWO SEPARATE AND INDEPENDENT PROPERTIES ( SEE LEGAL DESCRIPTIONS OF EACH BELOW ). FACT 5- THEREFORE, HSBC NEVER HELD A SECURITY INTEREST IN THE PROPERTY AND RESIDENCE LOCATED AT XXXX XXXX XXXX AS THEY CLAIM. FACT 6- HSBC PROCEEDED TO SELL SAID MORTGAGES TO XXXX XXXX XXXX , XXXX AND TRANSFERRED SERVICING TO XXXX XXXX XXXXXXXX , XXXX ( XXXX ). FACT 7- XXXX XXXX XXXX IS ALLEGEDLY NOW THE NOTE HODLER OF THIS ACCOUNT. FACT 8- XXXX  CONTINUES TO FORCE PLACE INSURANCE AND PURSUE FORECLOSURE ON XXXX XXXX XXXX ; A PROPERTY NEITHER HSBC OR XXXX  OR XXXX   HAVE EVER HAD A LEGAL SECURITY INTEREST IN. FACT 9- THIS IS FRAUD AND DECEPTION. To make it easier for HSBC to understand, I have drawn and included a map of the properties in question. All of this can be confirmed by researching documents recorded in the XXXX County, New York Land Records Office.  +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ DEED XXXX, DATED XX/XX/XXXX AND CONTAINED IN RECORDED XXXX XXXX ( HSBC ) XXXX, XXXX XXXX AND XXXX XXXX ALL THAT PIECE OR PARCLE OF LAND SITUATE IN TOWN OF XXXX , COUNTY OF XXXX AND STATE OF NEW YORK, BEING PART OF LOT NO. 5 OF GREAT LOT 17 IN TOWNSHIP 8 OF XXXX PATENT, DESCRIBED AS FOLLOWS : COMMENCING IN THE CENTER OF THE HIGHWAY WHICH LEADS FROM XXXX TO XXXX, KNOWN AS XXXX XXXX XXXX ( FORMERLY KNOWN AS THE XXXX XXXX ) AT THE XXXX XXXX OF LAND ON THE XXXX SIDE OF SAID HIGH-WAY WHICH WAS CONVEYED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, TO XXXX XXXX XXXX AND XXXX XXXX XXXX, HIS WIFE, BY WARRANTY DEED DATED XX/XX/XXXX, SAID POINT OF BEGINNING BEING ALSO THE SOUTHWEST CORNER OF LAND CONVEYED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, TO XXXX XXXX XXXX AND XXXX XXXX XXXX, HIS WIFE, BY WARRANTY DEED DATED XX/XX/XXXX, AND RUNNING THENCE XXXX XXXX XXXX ALONG THE CENTER OF XXXX XXXX XXXX, 100 FEET ; THENCE XXXX AT OR ABOUT RIGHT ANGLES TO THE XXXX XXXX FET TO A STAKE IN THE XXXX LINE OF THE AFORESAID LAND CONVEYED BY XXXX XXXX XXXX AND WIFE TO XXXX XXXX XXXX AND WIFE ON XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ALONG THE XXXX   LINE OF SAID LAND CONVEYED TO SAID XXXX XXXX XXXX AND WIFE, 200 FEET TO THE POINT OR PLACE OF BEGINNING, IN THE CENTER OF XXXX XXXX XXXX, BEING A TRIANGULAR PARCEL OF LAND. BEING PART OF THE PREMISES WHICH WERE CONVEYED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, TO XXXX XXXX XXXX AND XXXX XXXX XXXX, HIS WIFE, BY WARRANTY DEED DATED XX/XX/XXXX AND RECORDED IN THE XXXX   COUNTY CLERKS OFFICE ON XX/XX/XXXX IN BOOK XXXX OF DEEDS AT PAGE XXXX. SUBJECT TO PUBLIC RIGHT OF WAY OVER SUCH PORTION OF SAID PREMISES AS MAY LIE WITHIN THE BOUNDS OF THE HIGHWAY KNOWN AS XXXX XXXX XXXX. +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ XXXX XXXX XXXX DEED XXXX, DATED XX/XX/XXXX ALL THAT PIECE OR PARCEL OF LAND SITUATE IN THE TOWN OF XXXX , COUNTY OF XXXX AND STATE OF NEW YORK, BEING PART OF LOT NO. 5 OF GREAT LOT NO. XXXX IN TOWNSHIP XXXX OF XXXX PATENT, DESCRIBED AS FOLLOWS : COMMENCING IN THE CENTER OF THE HIGHWAY WHICH LEADS FROM XXXX TO XXXX KNOWN AS THE XXXX XXXX, AT THE XXXX XXXX XXXX XXXX NOW OWNED BY XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, BEING ALSO THE XXXX CORNER OF LAND FORMERLY OWNED BY XXXX, NOW OWNED BY XXXX XXXX, AND RUNNING THENCE XXXX XXXX XXXX XXXX ALONG THE XXXX XXXX OF THE FORMER XXXX XXXX, BEING THE PRESENT LINE XXXX XXXX AND XXXX, 300 FEET TO A STAKE ; XXXX XXXX XXXX XXXX PARALLEL TO THE XXXX XXXX XXXX FEET TO A STAKE ; XXXX XXXX XXXX XXXX XXXX PARALLEL TO THE XXXX XXXX OF THE FORMER XXXX XXXX 300 FEET TO THE CENTER OF THE XXXX XXXX ; THENCE XXXX XXXX XXXX ALONG THE CENTER OF THE XXXX XXXX XXXX FEET TO THE POINT OR PLACE OF BEGINNING, AS SURVEYED BY XXXX XXXX XXXX, SURVEYOR, ON XX/XX/XXXX. BEING PART OF PREMISES WHICH WERE CONVEYED BY XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, HIS WIFE, BY DEED DATED XX/XX/XXXX AND RECORDED IN THE XXXX COUNTY CLERKS OFFICE ON XX/XX/XXXX IN BOOK XXXX OF DEEDS AT PAGE XXXX. SUBJECT TO POWER LINE EASEMENT HERETOFORE GRANTED TO XXXX XXXX XXXX XXXX. SUBJECT TO PUBLIC RIGHT OF WAY OVER SUCH PORTION OF SAID PREMISES AS MAY LIE WITHIN THE BOUNDS OF THE HIGHWAY KNOWN AS XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation