Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Hi, RE : Subject : Complain loan number is XXXX I need the solution of this loan application because this is not my fault? otherwise i want back my money of this application processing lost because this is mistake only for XXXX XXXX XXXX he confirm me then i will pay the XXXX money option fees $ XXXX this fees refund time expire XXXX inspection cost $ XXXX and $ XXXX charge XXXX total amount ( $ XXXX ) i want back this XXXX amount if you decline my application because this is not my mistake if XXXX check my wife job detail before and inform me earlier why this issue happen and they have my wife job saliry slip and all information already from the 1st day of application why they are not checking these things before appraisal and why he was confirm me to pay earnest money without confirm this 1099 and w2 matter because all lender confirm job documentation earlier stage and inform to applicant I am not mentioned any where 1099 and w2 because I dont know this classification I already provide all documents your mortgage consultant job he check this and inform but he inform this during underwriting period its mean he is not know the job duty because if he check this document earlier and inform you loan is approve or not in finalizing on these documents after that not fault stepen but he is not informing me end of the stage he told me if you decline this application you can refund this whole amount otherwise I want solution because this is totally wrong and unfairness I want justice because this is not my fault. 
Please help me and solve this problem as soon as urgent. 

If you check my details I already mentioned my wife she is working XXXX XXXX currently and I already share paystub also and this paystub mentioned 1099 this paystub I already share I don " t know about w2 and 1099 details and difference you check all things then move forward previously you offer 3 % down payment but after few days when confirm then you change the downpayment to 5 % and lock rate and this time you already check all details my wife pay stubs and every documents you have then you offer me loan and then you will charge {$800.00} and that time I was asking this payment slip you was telling this amount details show in closing time and I sing the contract this property and pay inspection cost and earnest money option fees also paid why I paid this fees because you are agree to offer loan and after checking my all documents then I will sing the contract and paying fees because I already share my all documents now not changing the documents now you are telling me decline my application? How is it possible because after your confirmation I was paying fees everywhere and signing the contract also and I was updating you each and every thing now how possible you are telling me declining my application? my wife job already know and this w2 and 1099 this your mistake not my I dont know this I already share paystub and all details my wife documents also if you telling me for starting after checking my wife this tax documents classification w2 / 1099 and you are telling me I am not approve your loan why you charge {$800.00} and appraisal and move forward loan application before confirm this this is your mistake not my mistake because my all documents already you have received if you earlier confirm me why I pay the fees every things and continue processing and waiting your loan application process if clear and inform this earlier not issue creating? 
I want solution you are not decline my application go to solution because my fees and money already paid only for your confirmation if you are earlier confirm me why I paid this fees and all things I want solution I am not accepting your this answer dealing application because this is not my mistake this is your mistake without decline my application please continue the process and go to finalize I am waiting for positive reply as soon as urgent.

Company response to consumer: Closed with explanation