Consumer complaint received 2017-04-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The mortgage complaint that I have is with Household Financial Corporation ( HFC ). My parents ( XXXX and XXXX XXXX ) had a mortgage account with HFC ( XXXX ) for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX. Both XXXX XXXX ( deceased date : XX/XX/XXXX ) and XXXX XXXX ( deceased date : XX/XX/XXXX ) are deceased and I ( XXXX XXXX ) have been designated as the Executor of the Estate through court. 

In XX/XX/XXXX, the property listed earlier went into foreclosure. On XX/XX/XXXX, the total balance of the mortgage was {$69000.00}. Before the property went into the final foreclosure process, the property was sold on XX/XX/XXXX. According to the Settlement Statement and HFC Payment History, HFC received {$83000.00} for the payoff of the first mortgage loan. According to HFC Payment History, this left an over payment and credit of {$14000.00}. 

Before leaving for a XXXX, I began the process of requesting the over payment/credit of {$14000.00} be compensated to the XXXX XXXX. In XX/XX/XXXX, when I identified the over payment and illegal practice of HFC, I began the process of having the XXXX XXXX compensated of the {$14000.00}. HFC admitted to their negligence of the over payment and claimed that HFC paid the property taxes on a property in which HFC did not have a mortgage on ( XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ). At the time of the HFC 's negligent act, I was renting this property and did not have any ownership in this property. In XX/XX/XXXX, HFC claimed that the company will begin the Erroneous Tax Payment Process and claimed that the compensation of {$14000.00} will be return to the XXXX XXXX. Since my return to the United States in XX/XX/XXXX, I have yet to receive the reimbursement check totaling {$14000.00}. 

In addressing this illegal practice, throughout the years, I have been in constant communication with HFC attempting to collect the {$14000.00} due to my family 's estate. HFC admits to their negligent act an illegal practice ; however, HFC has not corrected their illegal act by compensating the XXXX XXXX. Throughout the years of me attempting to seek justice for the XXXX XXXX, HFC has continued with their illegal practice and continues to cover up their illegal practice with their negligent act. This is evident in the most recent HFC Correspondence for their representing attorney ( XXXX XXXX XXXX ). In a HFC Correspondence dated XX/XX/XXXX, the HFC Attorney threatened me by saying " As I stated in my XX/XX/XXXX letter to you, to the extent you wish to further pursue the {$12000.00} on behalf of the Estate of XXXX and XXXX XXXX, please know that my client will likewise reinstitute its demand for the same amount from you. '' The HFC, the attorney went on to state, " My client remains unwilling to reimburse the Estate of XXXX and XXXX XXXX for this expense. '' In this case, the illegal practice of HFC failing to compensate the XXXX XXXX with the {$14000.00} does not have anything to do with HFC negligent act of erroneously paying the taxes on a property in which HFC does not have a mortgage on or any interest in the property. I am requesting the Consumer Financial Protections Bureau to assist in correcting the illegal practice of HFC and paying the amount due to the XXXX XXXX.

Company response to consumer: Closed with explanation