Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
XXXX HSBC Bank made a processing problem and I had to get a modification on my mtg acct HSBC Bank added {$11000.00} to my acct fixed rate {$980.00}, HSBC Bank again made a processing problem XXXX I had to pay reinstatement of mtg {$10000.00} for errors HSBC made during processing my pymt / HSBC Bank would deduct amt from XX/XX/XXXX outstanding bal XXXX deduct {$10000.00}. New Principal pymt should be $ XXXX HSBC Bank never deducted {$10000.00} and added a deferred amt. I asked why and never received an answer. I called and emailed asking HSBC Bank Why? Contacted credit Karma & was informed HSBC Bank rpting false info to Credit bureaus 2pymts behind and owe {$55.00}, XXXX provided HSBC Bank my XXXX XXXX statement with pymts history XX/XX/XXXX HSBC Bank rec Foreclosure letter an asked Why you have the pymts and foreclosure for what reason/ XX/XX/XXXX rec MyHome CT XXXX {$25000.00} and HSBC Bank XXXX XXXX had to continue making mtg pymts Why? XX/XX/XXXX {$25000.00} principal bal XXXX CT {$25000.00} & my pymts {$5000.00}, {$10000.00} reinstatement not applied, XX/XX/XXXX HSBC Bank added {$4000.00} for no reason, requested XXXX form could see incorrect inform amt and charges, Please note- reinstatement amt on form was not added to acct, escrow and corporate advance amts were not added to mtg acct, XXXX XXXX HSBC Bank did not add first grant, second grant, my pymts. {$10000.00} reinstatement amt XX/XX/XXXX, reinstatement amt on the XXXX XXXX {$23000.00}, corporate and escrow advances amt to my HSBC Bank look at the XX/XX/XXXX. HSBC Bank received all of these funds that totaled over {$80000.00} from myself and XXXX CT XXXX. HSBC Bank outstanding principal bal XX/XX/XXXX was {$25000.00} and at the end of the grant the XX/XX/XXXX my HSBC Bank outstanding principal bal was {$31000.00}! How and Why did the principal balance increase instead of decrease? Let 's not include the pymts that I have made from XX/XX/XXXX- XX/XX/XXXX another {$25000.00}. Contacted CFPB and HSBC Bank responded with a letter informing CFPB and myself that corrections were going to be made and pymts were going to be applied to my acct! HSBC Bank, Did nothing! HSBC Bank rmv the deferred amt then added it back! HSBC Bank has made errors and not apply pymts! I had to pay {$20000.00} for both HSBC errors and not apply Federal Grant and my pymts! Im requesting CFPB assistance in this manner because HSBC Bank has a history of dong this to their customers. HSBC Bank not processing pymts properly, billing the customer, and never fixing the problem. HSBC Bank thinks the customer is going to forget in my case the errors were made XXXX times and I had to pay each time {$10.00}, XXXX. HSBC Bank made the errors and has to corrected the problem and pay back the overage on acct. HSBC Bank received approximately {$100000.00} of funds on a loan that the principal bal was {$25000.00} and did not apply the covid funds! How many other individuals did HSBC Bank do? HSBC Bank needs to fix errors, apply pymts, and refund money due to over pymts on acct!

Company response to consumer: Closed with explanation