Anonymous
map-marker Chicago, Illinois

I'm tired of being ripped off, who's with me!!!

I too was ripped off by Beneficial, now who is with me, to start a class action law suit against HFC Benefical around the United States???? Together we can fight them, please all that read this, let us get this started and get us a law firm who will take on this case, I truly would like to get this started as soon as possible. I have been fitting with them over my mortgage loan for almost 10 years. Since they ripped me off from the very beginning. They are predatory lender, and should be stopped from operating in the United State. So we must make this company understand that they work for us, we don't work for them.
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Loss:
$6000
5 comments
Guest

Total rip off..I will never get past paying interest....what to do?

Guest

Just lost my home of 21 one years because of these crooks and lyers

Guest

I too am skeptical. When I lost my job I contacted them and told them I wanted to pay them monthly instead of biweekly.

Customer service told me to have my bank send them an R10 form and they would start taking the payments out monthly. My bank never heard of a R10 form. Now they are taking my payments out of principal I had built up in my account.

I should be a little closer to the end of my mortgage but if they keep on taking money out of my principal, I'll be back where I started 7 years ago. They need to be more responsible and stop ripping people off.

Guest

seasurf17837@***.com

I am game if a class action lawsuit is created. I have been with them since 2008.

I should have stayed with countrywide another crooked organization.

Guest

I am with you. We too were ripped off, told at the beginning that if we paid our loan on time for 6 months we would be eligible for a lower interest rate to bring our mortgage down.

Since my hubby was laid off for a year and a half, I struggled to pay our 1389 mortgage. We lost in monthly income about 600 dollars. I missed paying two years of school taxes because of them, which they just added on to my mortgage and because I have paid late now, I have about 300 dollars in late fees and they are harassing me because of it.

They don't help, all they say is there are programs out there for me.

NEWS FLASH, my debt to income ratio is toooooooo high because of my mortgage. They also say that I have to give them an income update, well not over the phone I am not.

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Anonymous
map-marker Escondido, California

I was cheated out of $1,000 for relocation after turning my house back to HFC.

They told me that all of the appliances had to stay in the house. I told them that I had sold the refrigerator. NOTHING was said to me at that time. I signed the final paperwork that says I will received $2,500 for relocation. I got the check and it was for $1,500. This was when I learned about the $1,000 deduction for the refrigerator!! I left 4 messages for the rep handling my account but she has not bothered to call me back. Had I known they were going to deduct anything for the refrigerator, I would have done things differently. When I finally was able to speak to a live person, I was told "that's the way it is" and was hung up on!! Lovely customer service!!
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Loss:
$1000
Anonymous
map-marker Quentin, Pennsylvania

HFC Beneficial - Mortgage Review from Quentin, Pennsylvania

I made arrangements to make a higher payment in 12/12. Insteand of just 1 payment they took two. I called and asked them to return one & the agent said I would have to go through my bank. I did & my bank reversed the one payment, but now my bank will not to automTic withdrawals from HFC. I now have to send certified checks. Now only do I have that hassle, but every time I call I get a different agent who gives me different infirmation. I am so confused I don't know what to do any more. They say I have had broken promises, but when u keep getting different answers what can U do. I called today & the agent said I would have to pay through Western Union which will cost me more & when he put me on hold to find a Western Union near me I got disconnected. My bank has bill paying & I'm going to try that. They always add fees for everything. Who knows they may charge me a disconnection fee & it was them who disconnected me. I absolutely refuse to call back. I will send the payment through either bill paying from my bank or certified check. Also one woman who is supposed to be my mortgage specialist & help me is always very rude & obnoxious when I can even get a hold of her. My husband & I have had health probems since 2007 which include 2heart attacks, a knee replacement & I had a stroke & all this stress is not helping my blood pressure.
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Micheline Qqb
map-marker Syracuse, New York

Mortgage and Name Change 5 years of worthless work

I went through a divorce the mortgage was in my name primary and my ex-husbands name 5 years ago in the divorce decree I was granted the house, I called HFC/Beneficial to tell them my last name changed, the divorce final and what the courts granted me, sent all required paperwork I lost count how many times this was done numerous calls, still no name change, ex-husbands name still on the account, when they call they ask for me with my married name and I say there is no-one that lives here that name tell them my name again then we get into it again on the phone I refuse to send the paperwork back in because this has been, done by fax and mail, I have since re-married and the fight still continues, my ex husbands name still on this account and my first marriage last name still on the account it's a losing battle, I'm at my wits end with this company I continue to make my mortgage payments but ignore the phone calls and mail with the wrong name they are freaking idiots!!!!!
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Weldon Mts
map-marker Tacoma, Washington

Ripping us off Please describe your situation in 10 words

we have been trying for over 3 years to get them to work with us we have a rate of 10.5% interest we were approves for a remidifcation throughtthe harp program to lower interest to 3.25% after 1 3/4 year they came back and said they dont do goverment programs now they wont work with us to help save our house. we r over 3 months behind and they wont work with us to keep our house. i have been trying for 3 years now all i get is the dam run around from them.and nobody will help
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2 comments
Guest

I lost my home last year July 2013. I tried all of the things you all did.

They do not do permanent modifications. DO NOT! The sad fact is we allowed ourselves to get into this loan. I was told starting off with a 10.5 percent interest rate that in would go down each year.

I tried to get out of the loan, but was told that I owed more on the house than the house was worth. (Upside Down) I worked with N.A.C.A to find that all they did was give me false hope because all faxing all of the financial records and pay stubs and proposals all was rejected and my house went into foreclosure. Believe it or not I felt that I was finally free from having an elephant on my back. I feel your pain we should try to sue them in a class action lawsuit.

This company does not care about any of us. I am a single women. I bought my house in 1994 and lost it in 2013.

That is a long time almost 20 years. HFC Beneficial has to be stopped and please do not start to do business with them :p :upset

Guest

So glad to read your comment/ HFC gave us a modification fr 8percent to 1.5 within 2 months HSBC bought out HFC closed the local doors and left us w no place or address to pay. When all the hype WS in the news I called the nearest HSBC office to be told that they weren't a United SStates based bank and they did not have to work with us.

They continually send threatening papers and letters that state they will find a solution but refuse to take our payments. They threaten foreclosure, take double payments for 6 months then refuse money and demand large lump sums or they will restart foreclosure. This has been going on since 2005 I have repeatedly by phone and mail requested financial statements as to what and where any monies have been !applied to and what is owed for what and I am repeatedly told "we do not issue statements". Almost all HSBC business is gone from NewYork state.

Now the letters come "HFC Financial of New York, Brandon,Florida.

The latest letter is HFC of New YORK, Fort Worth, Texas. I have written to the at tourney general several times to no avail.NO RESOLUTION!

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Key Mug
map-marker Manchester, New Hampshire

Mortgage modification

i was making my monthly payments and i had a mortgage where my intrest rate would go down every year if i made my payments on time HFC sends me a letter saying my loan has changed and the intrest rate will no longer go down. now i applied for a mortage modification i have the paperwork saying i was approved and i have to make trial payments for 6 months. now i just got a phone call a few days ago telling me i owe them over $4000.00 and they have no record of any modification because they now have a new computer system! i dont know what to do now i am facing bankruptcy or forcloser either way i have to talk to a lawyer soon
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7 comments
Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Keilee Uhg

file a complaint with federal trade commision. address and phone in comment box.

if they get enough they will open a federal investigation. i did it already

Guest

I need you to contact me at beneficial"theatsign"mail.com.

I am looking for others that were promised "complete this 6 month trial modification successfully and we'll make it permanent". You do and then they back out and begin foreclosure.

If you or anyone you know have experienced this PLEASE GET IN TOUCH WITH ME ASAP! I am trying to defend my foreclosure and at the same time establish a class for a class action, lawsuit.

The more stories I get the better chance I have of getting a law firm to help us. I will need a sworn notarized affidavit detailing your experiences. This DOES NOT have to be anything fancy, you can hand write it and then take it to a notary and sign it in front of them. At the top of the page just put the words "Sworn Affidavit of John Smith"

Contact me for information on where to send it and to get added to my email list on developments with my attempt to get a law firm to take us on in a class action, court action.

Again the more people we can get involved the better chance we have!

Guest
reply icon Replying to comment of Guest-685233

count me in i have the same problem. with them. dcaiazza1@***.com

Guest
reply icon Replying to comment of Guest-685233

orroses@***.com oregon already had class action but was salt on a open wound i am in same boat..and no one else will help i even went to all gov sites for refinacing its a catch 22 ...Hud does not do jack

Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Guest
reply icon Replying to comment of Keilee Uhg

you need to contact a loan modification Attorney at 843-548-****

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Anonymous
map-marker Englewood, Colorado

Final Payoff - 2nd Mortgage - Never get an answer

We have had a 2nd mortgage account for over 15 years. We are trying to payoff the loan. We've made 3 separate email and 2 telephone requests with no response. We have made several payments in the $4,000 range on a monthly basis to pay off this loan, but we can never get a final payoff amount. They are also charging us monthly interest, even though we asked to have the overage applied to the principal. Worst financial decision we have ever made was to get a loan from these people. They don't care about customers and they almost NEVER fulfill their promises.
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Loss:
$2000
1 comment
Guest

Someone should start a class action lawsuit!

Harjot Nhp
map-marker Lancaster, California

Hfc beneficial has defrauded me for 16 years

they have failed to sue me in a court of law.i have stopped filing my taxes for 16years to get my day in court.but HFC/Beneficial has lead the IRS around by the nose on wild goose chases that interfere with the anti trust laws of this country.they even defrauded www.prosper.com demanding they change they must have a minimum credit score.i am currently seeking charges of fraud,blackmail & extorsion,kidnapping as they have held me against my will.where is law enforcement when you need it.the statute of limitations have run out this company answers to no one
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4 comments
Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Keilee Uhg

federal trade commision

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Keilee Uhg

federal trade commision600 Pennsylvania Avenue, NWWashington, DC 20580(2**) **6-2222www.ftc.gov

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Anonymous
map-marker West Palm Beach, Florida

HFC Beneficial are thieves.

I have had a loan through HFC for several years and since the beginning have been set up to have my payments automatically taken from my checking account each month. Two months ago my account was paid off yet they have continued to withdraw the monthly payments out of my checking account. When I call they say that this is their policy. Even if there is not a balance they will continue to withdraw the funds each month until the customer calls to cancel the automatic payment plan. Are you kidding me? They are thieves. They are stealing customer's money. They are taking money from customer that is now owed to them. How can they get away with this. They tell me they will issue a refund check but it will take approximately 2 months for me to receive it. How is this ok. IF YOU TAKE ANYTHING FROM THIS - PLEASE, PLEASE, PLEASE DO NOT EVER TAKE OUT A LOAN WITH THIS COMPANY. I have had nothing but issues with this company since day one. I cannot believe these people can stay in business when they are blatantly stealing from people. It's disgusting!
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5 comments
Guest

Contact your bank and tell them to cancel this transaction by putting a stop payment on all future deductions. After you do that, you should initiate a dispute with your bank to return the funds.

They will investigate and they should find in your favor. You should also contact the HFC and tell them to cancel the automatic payments.

Keilee Uhg

Federal Trade Commission 600 Pennsylvania Avenue, NWWashington, DC 20580(2**) **6-2222www.ftc.gov

Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Keilee Uhg

federal trade commision

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

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Anonymous
map-marker Pittsburgh, Pennsylvania

Posting on mortgage account

HFC continues to incorrectly post on my account. In May 2013 I sent payment with the request that a complete monthly payment be of 399.71 be posted and the additional $40.00 amount be credited toward deferred interest. HFC posted the entire amount as a monthly payment. In June 2013 I sent a monthly payment of 400.00 (principal and interest). HFC costed the entire amount toward insurance for 2012--which I did not request and for which billing a ONE YEAR AFTER THE FACT. This has resulted in me appearing to be in arrears of my monthly payments and will have an adverse impact on my credit report. I did pay on time and was not late
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Loss:
$400
2 comments
Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Keilee Uhg

Federal Trade Commission 600 Pennsylvania Avenue, NWWashington, DC 20580(2**) **6-2222www.ftc.gov

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Mikaeel Rng
map-marker Stone Mountain, Georgia

HFC increased my monthly payments

Updated by user Jul 02, 2013

I found 3 different addresses on the web. I sent a letter to each one.

I received 2 letters stating that they received my letter and is investigating it. The third letter was returned.

I will be sending a letter to Federal Trade Commission. I know longer have easy pay.

Original review Jun 01, 2013
I have my monthly payment taken directly out of my checking account. Payments was made every 2 weeks. Without notice, explanation or approval, they decided to increase my monthly payment by $400. I called customer service and their explanation is that they have a new system. I received 2 monthly statements in April without amounts on them. I asked customer service to provide an explanation, and show where I approved that they can increased my payments after all of these years. I am almost through with this loan. Is this how they force people into foreclosure and take their property?
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Loss:
$400
1 comment
Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Rojean Vpv
map-marker Memphis, Tennessee

NO JUSTICE! NO PEACE!

I have discovered that HFC has been gouging my account with late fees even though my payments have been on time. I have been told so many lies as to when and how the late fees occured that it's unbelieveable! I have "never" missed a payment and "never" been late but still the charges keep building. Everytime I call to try and rectify this situation I'm told another lie. ENOUGH OF THIS NONSENSE! I am battle ready! They should not be in business. If there is a class action lawsuit, count me in. My e-mail address is perrycheryl@***.com //city: Memphis, TN
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Loss:
$2800
1 comment
Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Anonymous
map-marker Green Bay, Wisconsin

Worst decision I ever made

Being a single mother, with 2 children, I refinanced my home with Beneficial in 2007. I will regret that decision until I am able to sell my home and finance my new mortgage with a local bank where I currently have accounts. I too have been given the run around while I was on extended medical disability leave from work on two separate occassions. I contacted Beneficial to receive some options for my mortgage payments, due to my medical issues and unable to work, but I never got a straight answer. Isn't it ironic that they closed all their branch offices, due to their inability to competently handle their own finances!!
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2 comments
Guest

I have a mortgage with HFC. I will never do business with them again.

Like you I will get out as soon as I possibly can. I was laid off back in 2012 and I missed one mortgage payment. I tried to get some sort of option for HFC to help with payments and they denied me. They have several option but I don't qualify.

I was told that since I am now working I can get caught up and I don't need their assistance. GET OUT OF HFC!

Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

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Anonymous

Never posted my payment

Like clockwork every month i pay my mortgage through online bill pay through my bank. HFC never posted the payment from November and now i keep getting harassing calls telling me to pay my account. 7 calls to date since the end of November 2012 and it is now Jan 12, 2013. I have now sent them 6 copies of the cancelled check and a bank statement. I have spoken to people i can understand and those that i couldn't. They assured me last week this would be resolved and a week later it is not... WTF?? This is unbelievable that they can affect my credit rating and they are this poorly managed.
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1 comment
Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Drakos D
map-marker Peoria, Illinois

Rip offfffffff

HFC/Beneficial was the biggest mistake we ever made! Unfortunately we have our 1st. and 2nd. with them and a personal loan. We are trying to get LOAN MODIFICATION. We have sent them all they requested twice, they finally found the paperwork. We do not understand why these idiots don't communicate. Call after call we recieve - never the same person. Husband has become disabled and can not work. If they refuse to help for more than six months we will probably be seeing them in bankruptcy court. Let's see what happens then!!! :/ biggests bunch of pathic idiots we have ever dealt with in our lives. Have a nice day
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4 comments
Guest

I bet they wasn't such a ripoff when they were giving you money! :x

Keilee Uhg

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

(202) 326-****

www.ftc.gov

Guest

Complaint sounds almost exactly like what I am going though except for the bankrupcy. My loans have extrenmely high interest rates andI have just found out that 2 of my loans are Balloon Payment Loans! I feel I have been taken advantage of because I am Hispanic, a disabled veteran and a female.

Guest
reply icon Replying to comment of Guest-507240

they are thieves I have been paying for almost 10 yrs on a $17,000 loan and I have paid over $30,000 and they say I still owe almost $10,000 how is this even possible or legal they want to keep you owing them forever

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