Consumer complaint received 2015-07-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
First your site timed me out while typing so I now have to type my complaint again. I do not type quickly as I have an injury that caused a XXXX as is now finally healing so please adjust your site to ask if the applicant needs more time. 
My complaint was filed with your agency before and also with the Florida Office of Financial Regulation twice. All were closed without a proper response by HSBC Bank. 
HSBC did an illegal modification of my home equity line agreement which was on time and up to day with additional principal payments in XX/XX/XXXX without benefit of income verification nor my acceptance in accordance with their own home equity line agreement. I was denied XXXX times for modification with the reasoning of too much income, too little income, and no income. The latter was for a program designed for borrowers anticipating receipt of future income. For me this was Social Security XXXX which I was later awarded. Yes, I was declined for having no income at the time of application. 
I advised XXXX XXXX of HSBCs intent to foreclose. I was advised they never knew about it so they wo n't do anything to stop it. I worked for XXXX XXXX since XXXX Bank. I made sure that HSBC received the completed subordination agreement in XX/XX/XXXX and when the modification of my XXXX mortgage was applied for they were again notified in writing. I have a copy of the XXXX XXXX file provided by the XXXX XXXX Modification Department. These copies show they were notified yet they do not want to do anything. 
While recovering from significant injuries sustained in a car accident caused by an older man with cataract and subsequent complications to XXXX XXXX XXXX, XXXX XXXX, and XXXX, I still paid these inflated payments with reduce income exhausting my personal savings and my retirement in the process. This als had a negative impact on my credit history bringing my nearly XXXX beacon score down to XXXX. I am a XXXX by profession. I had several job offers given my experience and references, but once my credit was reviewed, the offers employment were withdrawn. I was previously well respected in my field. This was heartbreaking on the top of injuries to loose what I had worked so hard for and not be able to support myself. I was forced to accept a position as XXXX earning {$XXXX} from my prior low income of {$XXXX} as they did not review credit. This violation of my rights has caused me significant hardship. 
I have been in contact with the office of Congressman XXXX XXXX XXXX. A representative, XXXX XXXX XXXX, has consented to assist me as she feels strongly that my rights have been violated. She has copies of my Heloc agreement, the Intent to foreclose, the previously filed complaints and other documents. I am currently awaiting a response to a message I left advising that I had obtained the XX/XX/XXXX - XX/XX/XXXX bank statements from from XXXX XXXX Bank on an account I closed in XX/XX/XXXX. I am confident now that with both the Congressman 's office and the Bureau of Consumer Protection on my side that there will be justice and HSBC will be held accountable for violations and they injustice they have perpetrated on an innocent consumer.

Company response to consumer: Closed with explanation