Complaint / review text:
I have made 3 payments for my mortgage with HSBC who refuses to post payments to my account. I made a payment in November, December, and January.in November I made a payment and I received a confirmation of payment by automated line. I moved on, thinking everything was good and in the clear. I then called to make a payment in December and again in January. I soon found out by harassing phone calls that my payment was two months late. They took December’s payment and applied it to November making it a late payment. However, they were not showing a payment at all for December or January. My credit score, because of this, has dropped by 50 points. All in all, I have complained and tried to make payments multiple times and they will not take the money and apply it to my mortgage account.
I am showing a late payment on my credit now for November and no payment at all for December and January. I have, as of January 31,2013, made a payment for December and January, and today is February 8,2013 and again this payment is not showing that it has cleared my bank account. After several phone calls to them explaining the problem, I was told that the confirmation letters saying they received my payments were not honored. I was told that those letters do not mean anything. I’m not sure how this is or why. That, in itself, doesn't make very much sense. What is the point in confirmation of payment by letter if that confirmation letter doesn't mean anything? To make matters worse, after multiple calls to them trying to handle this situation, I am still receiving harassing phone calls from them telling me I am two months behind in payment. Apparently, their departments don't communicate very well between them because if they looked at the account they would see I’m working to fix this and that it’s a problem on their part, not mine.