Consumer complaint received 03-07-2016 about Mortgage (VA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: # XXXX-I recently discovered I have continuously been a victim of identify theft throughout more than three quarters of my twenty year marriage, my wife who was in charge of all joint banking, was able unknown to myself acquire numerous credit card accounts without my permission, based on false information provided on her behalf to obtain the credit cards, that I only became aware of when it was suggested I obtain a current credit report. My score had remained consistent at XXXX as I had never fluctuated below a rating of excellent credit during my entire prior credit history established over the period of my life- I am XXXX years old establish a time line to base my complaint on, my credit now ranges approximately at a XXXX rating. A difference of over XXXX points upon first closing numerous accounts that appeared on my XXXX PAGE CREDIT REPORT obtained within days immediately following the Sheriffs Department Removing my now estranged spouse issuing an order of protection and a stay away order that were decided by the judge based on her unexplained XXXX inflicted upon myself and more so our youngest son who is now age XXXX, legally XXXX due to severity of XXXX unable to live alone, I am responsible for his well being and providing for him as I always have. I have full custody, his mother never so much has attempted to contact him or any of our other XXXX children, that I still provide for in addition to situations that have arised requiring financial assistance. Prior our marriage, she had XXXX prior marriages, entering the marriage with XXXX child from each husband, as well as having our only biological child I adopted XXXX of the children and provided no differently for the other XXXX, who no child support was in existence pertaining to their well being. XXXX of the XXXX kids reside with me as well as i assist my step daughter with caring for my granddaughter 5 times weekly at the family residence. 
The importance of obtaining assistance from the Bureau of Consumer Financial Protection-assistance I was not aware of until recently as I constantly received lack of responses from numerous banking and credit card providers of the situations I have inquired information on after filing complaints based on information my credit report holds, I am a additional card holder on accounts I did not have knowledge of that were only approved to my spouse based on my credit and I stress without my permission. I have great concern as well as what appears to be present on numerous accounts that they were reported FRAUDULENT by the owner which appears was my estranged wife ( we have been involved in supreme court divorce proceedings since the time earlier noted till presently equaling a total of of 16 months ) court proceedings have exhausted what monies I had been left with, which were significantly less than what should have been. I worked 17 years as a XXXX forced to retire due to XXXX needed, I grossed over {$100000.00}. annually. Additionally my credit report contains proof of refinancing and or equity loans against our family residence, that I never knew of, gave permission of, or needed. To say the least the wrong doing on behalf of my own wife, whom I trusted allowed more identity theft and damage resulting in tremendous repercussions of attempting to correct matters has literally allowed more damage than a stranger stealing your identity, my credit score damage is a direct result. I am a XXXX veteran injured during XXXX XXXX my XXXX XXXX + having to post pone the 18-20hr XXXX needed, XXXX, as well as increasing daily risk XXXX. I fear losing my house next which is essential to myself and my family. She needs to be held responsible for illegal actions.As a XXXX I am a man of Honor not disgrace.

Company response to consumer: Closed with explanation