Consumer complaint received 2023-01-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have lived in this home for over XXXX XXXX my XXXX XXXX XXXX in XXXX and prior to that she moved from the home in XXXX when we lived here together and I have live here since. She left the house in XXXX to me when she XXXX XXXX in XXXX at this time with the last payment I made on the mortgage there was only {$84000.00} left on a home equity line of credit because the house was already fully paid for and my mom took out a home equity line of credit that was what I was paying back the {$84000.00}. I have been trying to deal with the bank since XXXX through hiring several attorneys and none of them ever helped me XXXX even XXXX XXXX 
I hired another attorney back in XXXX who has the case now. Since then I have been trying to get him to stop the foreclosure, he did nothing for XXXX then finally I requested my Loss Mitigation package prior that the attorney who left his firm got for me please, be sent to the bank - sitting on it and had not done anything for over a XXXX and a half. This other attorney who handle my case there, he was really solid on my but left the firm back in XX/XX/XXXX. 
Even with most of the work done by this former attorney the owner of the law firm has refused to do anything to help me the way he should be. He's non-responsive, I have requested meetings, my emails are ignored, my calls are ignored, I even received " block '' email response from XXXX of my emails to a law clerk where she stated she would relay my messages to him and help me. Who did that response with the whole XXXX XXXX wondering why this happened that it was unprofessional that I needed some answers that I feel stagnated what's going on completely ignored me. I've asked for replies, updates - nothing. I had to literally find out that my lost mitigation package was not accepted by the bank attorneys themselves ( as I was left to go seek answers on my own receiving a XXXXXXXX XXXX LETTER notification that the house was up for auction ) and they told me they had reached out to my attorney XXXX prior to tell him that my loss mitigation was denied and I didn't know why it was denied. Couldn't even understand why I was now even paying for a home that was actually gifted to me. Nonetheless I kept seeking answers to try to get to some resolution to protect my rights but no one is talking to me and seem to just be moving ahead with their own agendas. I'm just confused and the attorney is not even stepping in to help me and they now do not even want to speak to me because of hiring an attorney and being represented by -- -- so it seems as if my attorney is just holding me XXXX. I can not reach him to even fire him and now they have set a date for this to take place which I'm just finding out about the response was XXXX ago to set a date for the auction sale in XXXX. I have tried everything and it's not fair how the bank is trying to basically steal this home from me ( the bank even has a notarized copy of the XXXX since XXXX showing my name and the address of the home in detail specifically stating it is to come to me upon her XXXX ). I sent it to them all of my personal information all everything my social security number it's not as if they're in the dark about who I am, I provided all of that that they asked of me. 
Prior to this, when my XXXX left in XXXX I have been always diligent my XXXX payments always paid even before time, I kept the house up, everything was cared for. I never had any problem with taxes, since the bank has denied trying to deal with me everything has gone to XXXX they even sent me letters stating that the tax bill is accumulating but they're putting money in an escrow to pay the tax bill but yet I keep receiving tax bills that are not that it's not paid so I'm not sure what's going on with that either. I think they're just taking a bunch of money all of the equity out of the home and making up reasons for it and now they want to just throw me away and take the remainder of it but they've put me in a real precarious position of not even being able to do anything about it because my hands are tied I don't know what to do and it seems as if they're really trying to rip me off and XXXX XXXX XXXX XXXX XXXX XXXX from my own family home that I have inherited in XXXXXXXX XXXX XXXX Please help me. Thank you.

Company response to consumer: Closed with explanation