HSBC North America Holdings Complaint

HSBC North America Holdings Inc. Mortgage department,

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

HSBC/Beneficial does not know how to do basic accounting. The error occurred in - - when they applied payments received for the - mortgage payment to - -. This is evidenced by their letter dated - -, - which stated that we could lose our home because it was 30 days in default. They sent a total of - copies of this letter : - that were sent certified mail ( 1 for my husband 1 for myself ) to the same address and - that were sent my regular mail. Apparently they do n't know how to read their own records. At that time they knew the loan had been sold to - as they sent us a letter dated the same day notifying us that the loan would be serviced by - effective - -, -. In that letter they tried to collect $2200.00 by -/-/- which is past the date that they would be servicing our account. In a letter dated -/-/- - - included a copy of a letter dated - -, - that states " There was a reconciliation completed on your account on -/-/-. After the reconciliation was completed, your account was due for

post " - - reconciliation audit. '' How many different audits does it take? In a letter dated - -, -, - - -, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to - - -, -, Chapter - Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. In a letter dated - -, - from - - - by - - of HSBC they stated to the NYS Attorney General 's office : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on - -, - in the amount of $1000.00. '' Instead the next payments were applied to - - that should have been applied to - - per their letter to - - - of the NYS Attorney General 's Office. This starts the cascade of accounting errors which they are still unable to correctly identify and rectify. They also spent 2 years telling us that they had no responsibility to rectify the errors they passed on to -.