HFC - HSBC Bank USA - NA & Beneficial Fiance Hardship Program Carol Stream Illinois

My husband & I were put on a Hardship Program for 6 months due to him being laid off. I was given the phone number from an employee at the branch we dealt with (now, all branches have closed!) The 6 months ended in Feb. 2009 & I requested another application to extend this. I did so & was approved over the phone. March bill came in & was paid accordingly. April bill came in & was paid accordingly. Mind you, we have a revolving acct. with this company also. I got online to pay the revolving acct. this weekend and there is a flashing red alert regarding my mortgage acct. It's stating that it's past due in the amount of $922.33, which was posted to bank acct on 4/20/09 for $631.77. I called today to find out where the $922.33 is coming from & was told that is my pmt. amt. Tried to explain that we're on a Hardship Program & pmts. are $631.77. The 1st person said he didn't see anything recorded for this & he would transfer me to the Hardship Dept. A few minutes later another person asks me name, acct. #, etc. & says that I owe $922.33. Told him the same thing I told first person, he then asked if I wanted to pay this amt., told him I pd. $631.77 & wanted to know why it hasn't been applied to acct. No answer. He also said there is nothing on record about the Hardship application, told him date, time & person I spoke with & he brushed it off. I asked if he was with that department because the 1st person I was speaking with said he was transferring me. His response was that that dept. doesn't receive calls, they only take applications. Then he starts asking me about my other account & wanted that #. I told him that account has nothing to do with the one at hand & I wanted this resolved. He said the mistake might be with that account. Told him that all this company wants to do is make people's lives miserable, no one knows what the other is doing or has done & that they need to be stopped! I'm trying to find out if there are any actions being taken against them through class action lawsuits, attroney general's office, etc. We all need to get together & put a stop to these people once and for all!!!

Carlene
Dayton, Ohio
U.S.A.