One investigator discovered this about HSBC, mail, and possible mail fraud:
“A simple method that HSBC may be doing to commit mail fraud and fraud in general.
Deciding that I am totally fed up with the manor in which HSBC operates bends and or breaks the law, makes claims of payments being delivered late or not at all, I put my 30 years of experience in the servicing, building and designing high speed electronic mailing equipment and that of running a bulk mailing company producing as much as 2 to 4 million pieces of mail a day to good use.
Therefore I started by dissecting the monthly statement to see if I could discover anything of interest. One thing I discovered is that between the Outside envelope, the return envelope and the printed statement, I found three separate and very different addresses.
The first address as listed on my outside envelope contained the point of origin. In my case this was HSBC Mortgage Services Inc. in Brandon Fl. This is totally normal as it would be used in the event that the mail piece could not be delivered, thus it would be returned to the sender. The second address is the point of destination or the address were the payment is required to be sent. This address is broken down into three components.
The first is a postal barcode used by the high speed sorters in use by the post office to quickly sort the piece down to the closest delivery point for speedy delivery. The second component is the actual printed address containing the name of the receiver, the PO Box and the zip code. The third line is again a bar code which indicates that HSBC does in fact have a lockbox operation and either through a service company or internal using its own sorting equipment and employees sort the mail by that code.
The third address and this is the one that raises red flags, as well as several questions in my mind. This address is located on the Business Return Envelope as supplied by HSBC to make your payment in. The address as listed is to a location in California. Since my payment was to be sent to a processing center in Maryland, this seemed doubly odd. The reason it raises red flags is this. If the mail piece is unable to be delivered to the address for what ever the reason the piece will be redirected to not you the sender, but to a different HSBC site in another part of the country. HSBC has by its own design ensured that short of total destruction of the mail piece, it will go to them.
What this means that you as the sender will never, ever see this piece of mail or this payment again. If by accident you as the sender do not put enough postage to cover the mailing, it will not be returned to you postage due, but as HSBC is listed on the printed return envelope as the sender it will be redirected to them. If the piece is damaged and the destination can not be read it will not be sent back to you as undeliverable, but will be redirected to HSBC. It now makes me begin to wonder how many pieces of mail get redirected to this third address and as what HSBC actually does with these payments. On the surface this payment was sent to HSBC by HSBC.
Using this method, HSBC could take all redirected payments, sit on them, destroy them, loose them and in fact anything it wants to do. It can now safely state that the payment was received late, never received or any other excuse it could come up with to bilk the customer out of their money, cars and homes. I encourage everyone to check their return envelopes for this extra address to a site other than the processing center, and until such time as the postal inspectors have a chance to investigate the possibility of mail fraud, use a mailing label showing your address and name over the address supplied by HSBC or a piece of tape covering that address and hand write your return address.
To be forewarned to be forearmed.”