HSBC North America Holdings Inc. Mortgage Complaint

HSBC North America Holdings Inc. Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Oklahoma

Called Beneficial about my mortgage and getting a payoff. They said I had to submit a letter and mail or fax it in and that it could be as late as - -, - when I receive the payoff back. That was if I submitted it today - -/-/- -. I also have something called " Outstanding Deferred Interest Balance '' on my monthly statement and when I inquired about what that was, I was put on hold for a few minutes so they could " research '' what it was. When the rep came back on the line, she said Beneficial would mail out a " fee/charge schedule '' that outlined everything contained in that balance. The statement even has a note on it that says " For further explanation of deferred interest or to make a deferred interest payment at any time, please call -. '' That is the number I called. The rep also stated that I was 48 months behind on this mortgage back in - and I did a modification to bring the payments current ... I was NEVER four years behind on payments.