Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
XXXX XXXX ( Owner and Servicer ) and I had a HELOC agreement on XX/XX/XXXX. HSBC USA Bank, HSBC Holding PLC, which owns XXXX XXXXXXXX, was found guilty laundering XXXX XXXX and other financial crimes. The DOJ DC signed an Adjudication Agreement with them for Money Laundering and Other Financial Crimes with a {$1.00} XXXX in fines, dated XX/XX/XXXX. On XX/XX/XXXX, I sent my last payment and invoked my XXXX XXXX XXXX to protect my home from sale or seizure. HSBC USA could not profit from a convicted crime. HSBC USA closed all their Mortgage Service Division by XX/XX/XXXX, per the XXXX XXXXXXXX Report. 

HSBC entered into a Consent Judgment Agreement ( XXXX ) for their customers who were threaten with acceleration foreclosure during that period if litigation. I was threatened with Acceleration for Foreclosure but did not receive a notice to file a claim since my HELOC was fraudulently recorded with the Property Clerk of XXXX XXXX Texas to be owned by XXXX XXXX Participation Trust ( which is an entity not registered with Texas XXXX ) and XXXX XXXX XXXX XXXX XXXX, the Servicer in XX/XX/XXXX. I believe HSBC sent the notice to XXXX XXXX XXXX XXXX XXXX XXXX 

HSBC sent out electronic letters on my HELOC account # XXXX stating the transfer to XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX. However, those letters were a part of a Class Action Lawsuit Against XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. as Trustee for XXXX XXXX XXXX XXXX, etc. in XXXX. They violated the FDCPA, FCRA, TILA, RESPA rules for transfer, assignment, purchase of a trust/securities/mortgages. In the State of Texas, XXXX XXXX XXXX XXXX is not registered to do business and initiate litigation. Therefore, XXXX XXXX does not own my property. I am a Protected Member of that XXXX. I was protected from any litigation toward my property. 

XX/XX/XXXX, Securities Instrument # XXXX was filed with the Property Clerk stating that XXXX XXXXXXXX was the Owner and XXXX was their Servicer had transferred/assigned my property to XXXX XXXX XXXX XXXX  ( Owner ) and XXXX XXXX XXXXXXXX XXXX XXXX ( Servicer ). There was a break in the filing of securities instrument because XXXX XXXXXXXX did not file a security instrument changing the servicer to XXXX XXXX XXXX XXXX XXXX XXXX EVER! I never received correspondence from XXXX XXXXXXXX notifying me that they were no longer the Servicer of the HELOC. I sent a QWR to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and with ever notice of transfer. XXXX  XXXX did not respond to the Qualified Written Request to send a copy of the contract and/or Trust Agreement Page between XXXX  XXXX and XXXX XXXX XXXX XXXX They did not respond to the included request for fiduciary accuracy. Since XXXX XXXX XXXX XXXX  did not have an address, only a c/o XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX did not respond for XXXX XXXX I refused to accept that I had a contract with XXXX MPT. XXXX continued to harass me with collection letter and phone calls. for months. XXXX  would never send a contract proving that a legal transfer existed. XXXX XXXX did not own the debt ; it couldn't because it is not a registered entity in Texas. FDCPA prevents the harassment I suffered for years when XXXX XXXX continued to lie that a contract existed with XXXX to be their Servicer when they could not do business in Texas. They had no contract and could not own the debt. 

XXXX XXXXXXXX would not return my phone calls for proof a sell to XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX, XXXX XXXX XXXX " On Behalf of HSBC US MTG Servicing Oversight '' sent an email at XXXXXXXX XXXX, with an account ledger detail displayed a Balance of {$0.00} as of XX/XX/XXXX. I requested more detail of the accounting and if the property was assigned. I received no answers to all of my emails to HSBC XXXX XXXX, HSBC US MTG LIT, and XXXX XXXX. I have a copy of a letter from Attorney XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  's Debt Attorney which stated " Our file was closed on XX/XX/XXXX, due to the payoff of the loan. Please contact XXXX XXXX XXXX XXXX XXXX directly at ( XXXX ) XXXX for any additional information ''. I also have a XX/XX/XXXX statement from the XXXX Website Accounting Department which states the loan balance was XXXX. 

XXXX XXXXXXXX did not respond and allowed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to knowingly file a frivolous lawsuit against me for a debt I did not owe in XX/XX/XXXX. In XX/XX/XXXX, a federal court awarded my property to XXXX XXXX XXXX XXXX XXXX XXXX There were many improprieties in the juridical administration of the case. XXXX has no record of being the owner of my contract with the property clerk. 

I believe XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXXHSBC USA are part of a XXXX in which they conspired to defraud me of my legally protected homestead property with hundreds of thousands to launder money into the XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Registered with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX was Global Head of Real Estate for HSBC since XXXX. He retired in XXXX. HSBC USA closed their Mortgage Services Department by the end of XX/XX/XXXX. XXXX XXXX became a member of XXXXXXXX XXXX  XXXX in XXXX. I believe with his, XXXX, assistance/connection, XXXX  and HSBC were XXXX to become predators to defraud XXXX XXXX Mortgage/HELOC Customers of their legally protected homestead property when they withheld vital QWR information proving the transfers were not legal and filing fraudulent securities with the Property Clerk and a frivolous lawsuit. XXXX XXXX and/or HSBC USA should have sent a " Release of Lien '' and a check to XXXX XXXX XXXX XXXX, it was sent to XXXX XXXX XXXX, in XXXXXXXX XXXX  XXXX did not respond to any inquiries because providing those records would be evidence that a conspiracy and fraud existed by those parties. XXXX XXXXXXXX did not invoke the XXXX XXXX XXXX # XXXX which I included in the XX/XX/XXXX payment letter. It should have been invoked for all of XXXX  XXXX Mortgage Customers. 

Corporations are withholding required documents in order to defraud Homeowners of their property. The QWR must be enforced. Corporations lie to the Court with hearsay testimony and do not provide contracts of assignments and fiduciary accuracy.

Company response to consumer: Closed with explanation