My wife and I refinanced our house through Beneficial. After awhile we got a letter from them to call and set up an appointment to reduce our percentage rate. We called to do this and right over the phone they said they could not do this, but, call in six months.Still got the same answer.
We have auto pay, right? Well after the first year or so the wife discovered that they did not take out our payment. I got on the phone with them and asked why. They said we were too far ahead on our payments. That ticked me off a little and I gave them holy hell. It was hard getting them to start it back up. Auto pay started again for a little while then they stopped it again, saying it was because the bank would not except because of a weekend or holiday. It did not stop it before why now? So we go to paper bills throgh the mail.
Mail is a problem here. The postal workers are not guilty of not delivering your mail.They all know you got your mail.There should be somthing we can do about this. Anyhow our biggest problem is there are two Deb's and Greg's with the same last name on this same road.They have gotten our mail and we never see it.Isn't that a federal offense? Our bill does not show up in the mail which we've called them a few times on it and the say we should have it.We do not.
Now they do not except our payment because the account number is wrong.When you send the next payment you get them back in the mail, so you are two months behind.You get a letter to contact HSBC with your acount number You call.They say they have no record of this number.Now what do you do? You play phone tag with five or more of thier representatives 'til you make arrangements for payment. the wife traveled 45 minutes to make our payments with bank certified check. They still did not cash the check. the wife checked with our bank to see if it was cashed.It was not.Beneficial calls us to see were our payment is and we were notified by mail.WE never got the letter. The wife argued with them, got a copy of the check and went to thier office. She went around with them there and finally they called the main branch office.ON speaker phone the head lady said "Yes we have the check and we do not have to cash it if we don't want to".Two witnesses right there and they could not believe what they had heard.
This same deal happens again not long ago.We hear nothing from them by mail or phone.NOW we have 10 days to move out because they sold the house two months ago.
My family,wife,daughter,2 year old granddaughter and 2 month old grandson Thank them for stealing our house from the bottom of our hearts.
The Attorney General was of no help at all or the BBB.
Lyons, New York