HSBC North America Holdings Complaint

HSBC North America Holdings Inc. Mortgage department,

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

Beneficial can not read or understand ENGLISH! I am making a complaint against them for a mistake they made in - -. That 's - -. DO YOU UNDERSTAND THAT THE YEAR IN QUESTION IS -?? NOT NOT NOT -. Beneficial DID own this mortgage loan in - -. They have stolen our money. Here is my complaint and possibly you can locate someone at Beneficial that can actually read and understand English. And make sure they understand that the theft by Beneficial happened in - - NOT -. They did hold the mortgage in - -. BENEFICIAL IS THE RESPONSIBLE PARTY!!! Beneficial applied two monthly payments -/-/- to -/-/-. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On - -, - they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our

6 months of payments ( -/-/-, -/-/-, -/-/-, -/-/-, -/-/- and -/-/- ) of $1700.00. On - -, - they sold our mortgage to - - Loans. Not only did they not tell - that we were paid through -/-/-, they told them that we were a month behind. This caused us to incur late fees. They seem to think that - can fix their mistake. - CAN NOT FI- A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand English. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand English and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FI- THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO - AFTER THEY STOLE OUR MONEY. This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the southern division of NYS.