Consumer complaint received 2015-09-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX 2015 I started an automatic billing using XXXX XXXX for $ XXXX monthly payment is {$2100.00}, mortgage with Beneficial has deferred interest so I sent a letter and email to Beneficial that the remainder of the payment was to be used for the deferred every month, they are not doing that, every month so far they are putting it to principle and ignoring now that the check itself states {$320.00} deferred interest ( XXXX 2015 ) from the bank. I do n't know what else to do to get them to apply the funds to my deferred interest as I was informed I can pay that at any time by simply doing what I am writing on the check how much was to apply for the deferred interest but they are not doing so. Can you help me get this applied to my deferred interest? I am trying to get it paid for its over {$21000.00} and I would like to pay it down or off before the mortgage is paid off. Furthermore, statements are generated on the XXXX of the month, mailed and still requiring payment by the XXXX, I do automatic payment but this is an issue for others and they did do it to me for years causing late fees there has to be some type of requirement that allows for certain amount of time for mailing and processing, they want payments mailed 10 days prior to due date but they are n't mailed out from their end 10day priors to the due date so how can the consumer mail in the payment if we do n't have the bill??? Can you prevent them from sending me harassing letters about my taxes? The past two years I paid them, I received letters that they denied to you previously I have copies stating I did n't pay my taxes which I do, my county takes your income tax refund if you do n't. Contact my County Tax office and since I pay my own they have no way to report that I did n't pay and she stated since I paid why would they report that? Its harassing and now I am exempt as a XXXX veteran I do n't feel I should have to discuss that with them but what if they start to harass me again, they send me letters demanding copies of cancelled checks or they will start foreclosure proceedings. Contacted the Florida office by letter they stated they never did such a thing so I sent them copies of the letters, they never replied, letters came from a Beneficial office in Texas. I am attaching XXXX and XXXX statements you will see that both times they received the {$2500.00} and both times the deferred interest did n't decrease and here is a copy of the recent transaction to include septembers payment : Transactions for Account XXXXDate/Description TotalAmount Principle Interest Escrow Insurance/OptionalProducts Late Charges & Fees UnappliedFundsXXXX/XXXX/2015Unapplied Funds {$320.00} {$320.00} -- - -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$2100.00} {$590.00} {$1500.00} -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$320.00} {$320.00} -- - -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$2100.00} {$530.00} {$1600.00} -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$320.00} {$320.00} -- - -- - -- - -- - -- -XXXX/XXXX/2015Unapplied Funds {$2100.00} {$890.00} {$1200.00} -- The unapplied funds for XXXX are supposed to go toward the deferred interest but as you see the same is being done all three times and matches the statements so they did it again in XXXX. Please help me.

Company response to consumer: Closed with explanation