Consumer complaint received 2016-01-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was granted court ordered modification review after HSBC bank admitted negligence. I also was granted a previous court order from dissolution of marriage and final judgment where the court enjoined me to the existing home loan so I could be eligible to apply for a loan modification. The family court was also advised the other party, namely my ex-wife ( XXXX XXXX ) was filing chapter XXXX bankruptcy and she had notified HSBC bank of this. The court ruled in my favor with the fact that XXXX was discharging her obligation and rights as the person responsible for the mortgage debt to which the court ordered the loan debt be transferred to me. 
I notified the court I wish to keep the home for the safety and welfare of children which I was granted sole custody due to XXXX was convicted after a federal investigation. HSBC has admitted negligence concerning my right to apply for a modification loan and during the court ordered review failed to notify me that XXXX XXXX XXXX was non compliant with the court order and also HSBC failed to transfer client rights and authority of the loan fully knowing that XXXX XXXX had successfully been granted a chapter XXXX bankruptcy and therefore had no client privileges which should have been transferred to me by the supporting court orders resulting in HSBC continuing to show prejudiced and negligent acts towards me and ignoring the court orders. These acts of negligence by HSBC resulted in the modification process to break down and HSBC attempted to transfer the blame on me and refuse me client privileges during the whole process. HSBC bank also admitted negligence by their attorneys who had been instructed to cancel the foreclosure sale date set with the courts for XXXX XXXX, XXXX. 
HSBC attorneys filed negligently and incorrectly on the same day as the court sale date with an incorrect motion that was rejected by the court and denied resulting of the sale of the home and me losing title of the property. HSBC admitted further negligence to me and filed an appeal in court to have the ruling over-turned and was denied due to an improper motion filed. HSBC failed to correct their negligence to return title to me and further denied me any rights to a court ordered modification review by making false statements concerning the facts and damaging my reputation. 
I filed a previous complaint with CFPB in XXXX XXXX and did not receive a reply till XXXX XXXX XXXX resulting in further harm to my case. 
HSBC has filed a writ of possession in XXXX XXXX to seize the home, making the family homeless. I filed a formal complaint in XXXX XXXX with the Office of the Florida Attorney General who have upgraded an investigation and who I am currently giving evidence and formal testimony to. This investigation is ongoing based on the complaint and actions of HSBC bank. I filed a formal complaint with the Office of Congressman XXXX resulting in a formal ongoing investigation. 
I am requesting for foreclosure proceedings to be reversed to mediation, writ of possession to cancelled, my name to restored to back on the title, to be given legal client privileges and for loan modification. I have filed an emergency motion to stay writ of possession on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation