HSBC North America Holdings Inc. Mortgage Complaint

HSBC North America Holdings Inc. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account New York

- -, -, - - -, Vice-President Customer Disputes and - - ( that same person I spoke with on -/-/- ), manager Customer Disputes, sent a letter to the NYS Attorney General stating that, " We have completed reconciliations on both accounts and can confirm that the account status on each account is accurate. '' AND " Account - ( The account in question ) is current. The next payment is due on - -, -, in the amount of $1000.00. '' Our - - payment was credited to our account on -/-/-. On -/-/- after receiving a letter from Beneficial stating that we were in a repayment agreement and loss mitigation application that we had not initiated my husband called Beneficial to find out about this mysterious letter. He spoke with someone named - who confirmed that they had made a mistake with the - payment and we were not behind but up to date, and we are not in loss mitigation.


We received a letter dated -/-/- from Beneficial saying that they have received our request for records of our account. The records we received are totally undecipherable. We also received a letter dated -/-/- from Beneficial informing us that our mortgage loan was being transferred to - - -, - effective -/-/-. In the letter Beneficial states that it will not accept payments after -/-/-. Both my husband and I received - copies of letters dated -/-/- stating that we had to make a payment of $2200.00 by -/-/- or we would be in default and could lose our home. Note : the letter we received prior to these states they wo n't accept payments after -/-/-. During this time they are also making repeated phone calls asking for payment. I consider this extortion. Payment history : Between -/-/- and -/-/- we sent Beneficial a total of $10000.00. The financial records of our account that were sent to us by - -, Manager Customer Disputes, on - -, -, confirms this and we have the cancelled checks to back it up. I am including that letter, with the records and the cancelled checks. Our monthly payment is $1700.00. There are 5 payments due from - - through - -. $1700.00 x - = $8500.00. So at the time that they sold our mortgage to - we were not only up to date but ahead in payments. From -/-/- through-/-/- a total amount of $3600.00 was received by Beneficial yet only one month was credited toward our mortgage. We were also assessed - late payment fees, - on -/-/- ( - ), - on -/-/- ( - & - - and - on -/-/- ( $34.00 ) for a total of $61.00. If they had properly credited our account with the payments we sent in and they cashed, we would have been credited with on time payments for -/-/-, -/-/-, -/-/-, -/-/-, -/-/- and -/-/-. The total amount due for those 6 months was ( $1700.00 x - ) $10000.00. We paid Beneficial $10000.00 and that would leave $500.00 for -/-/- in our account. Beneficial told - we were two months behind when in fact we were more than a month ahead. Beneficial sent a form letter response dated -/-/- stating that they had received the above information and would respond in a timely and fair manner. On -/-/- Beneficial sent another letter of an extension notification because they needed more time to complete the necessary research to provide us with a satisfactory response to our correspondence. On -/-/- when we had n't received a response from Beneficial, we sent another letter to - -. They sent a letter dated -/-/- acknowledging the receipt of this letter from us.