The following information is an on-going effort:
Concerning an earlier post by myself regarding the possibility of HSBC Mortgage Services, located in Brandon Fl. maybe committing or has committed Mail Fraud. After doing some research on the address listed as HSBC Mortgage Services, P.O. Box 60139 City of Industry CA. 91716-0139 (pre-printed by HSBC on the return payment envelope) is in fact another service center owned and operated by HSBC. But it is not my service center. My service center as listed on the statement face is HSBC Mortgage Services P.O. Box 3782, Baltimore MD. 21297-3282.
The California return address pre-printed falsely indicates that HSBC has sent the payment from one HSBC service center to another. So with the envelope in hand I went to local postal authorities and voiced my concerns regarding the possible redirection of the payment in the event that it could not be delivered to its destination and not returned to me, the sender. And to see if, in fact, they felt that HSBC in by supplying this printed return envelope may be committing Mail Fraud. The post office confirmed, that if the mail piece could not be delivered for what ever reason it would if the return address was present and readable return it to HSBC and not me.
I expressed concerns that if it was redirected that HSBC could hold the payment, therefore claiming it was late and charge any fee that HSBC felt they could get away with. I also expressed concerns that if redirected, HSBC could claim it never received the payment. The postal authorities agreed that if redirected to the other service center HSBC could in fact do what ever it wanted with the piece, since it was received by them and not returned to the original sender (the customer).
So the next question was, “Does the envelope give the false impression that HSBC and not the customer sent the payment?? Answer “YES”.
“In the false misrepresentation of the sender, would it constitute a fraudulent attempt by HSBC to conceal who sent the payment?? Answer “YES”.
Third and final question was, “In your opinion is this, or can it be, considered Mail Fraud or Tampering? Answer, “YES”.
Their recommendation was to file with US Postal Inspectors a formal complaint of Mail Fraud and or Tampering with the Mail. Not being postal inspectors but understanding the rules in the Domestic Mail Manual (the postal bible) they felt it warranted more than their opinion and strongly suggested I follow through.
I did, and on March 6, 2009, filed a complaint charging HSBC Mortgage Services with Mail Fraud. I am also going to forward this to the US Attorney’s office so this can be added to my complaint currently under investigation by the FBI.
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