HSBC North America Holdings Complaint

HSBC North America Holdings Inc. Mortgage department,

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

Beneficial continues to deny responsibility for the mistakes they made with our home loan from -/-/- to -. Effective - -, - they sold our loan to - - -. They continued to erroneously try to collect " past due '' payments from us into - - - in effect trying to extort money from us when not only were we up to date but paid in full until -/-/-. They told - that we were behind so - started charging late fees and other fees. - -, -, - - -, Vice-President Customer Disputes and - -, 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. '' Statements for - and - - do not reflect the correct payments that we made and my husband spoke with a - at Beneficial on - -,

Payment history : Between -/-/- and -/-/- we sent Beneficial a total of $10000.00. The financial records of our account that were sent to us by - -, - Customer Disputes, on - -, -, confirms this and we have the cancelled checks to back it up. Our monthly payment is $1700.00. There are 5 payments due from - - through - -. $1700.00 x - = $8500.00. So at the time that Beneficial sold our mortgage to - we were not only up to date but ahead in payments. TWO payments were applied to the - -, - payment and only one was credited toward our mortgage. The second should have been applied to the - -, - payment. 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 four late payment fees, - on -/-/- ( - ), - on -/-/- ( - & - ) and - on -/-/- ( $34.00 ) for a total of $61.00. If Beneficial had properly credited our account with the payments we sent in and you cashed, we would have been credited with on time payments for the months of -/-/-, -/-/-, -/-/-, -/-/-, -/-/- 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 the month of -/-/- in our account. In a letter dated - -, -, from - -, Vice President, Customer Service, - - Loans, she states : " Furthermore your allegations are regarding the previous servicer and not -. Please be advised - is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' Beneficial is the prior servicer and they refuse to address the problems.