I was taken in by Beneficial by their way too convenient checks by mail. After I paid my bill on time for a few years, we moved to a different home (same city). After this time I received a letter in the mail telling me that my account # (such & such) was now paid in full and thank you for your business. Well, that wasn't my account #. It was an old account # which had been paid off a year before.
This got me thinking—were had my extra payments to principal been applied too? I kept calling them and couldn't reach anyone that could speak english too well (there telephoners are from India I believe) They told me to contact office in Chesapeake, VA.
I sent a certified letter there requesting 1. They change my address—because they just couldn't get that done for some reason. And 2. Why did I get this letter telling me my account was paid off 1 year afterwards? And 3. To send me a payment history. 1) they never changed the address until well after my forward was up, 2) they just didn't get around to sending this payment letter out and 3) I couldn't even begin to read the payment history.
I now refuse to send them any payments because I put a payment in their drop box and they sent it back to me (saying they had no one listed with my last name) I've done business with them for years? Just waiting for the court date I guess. (oh yes, watch there yearly fee. I wrote on my agreement I signed that I wouldn't pay a yearly fee and of course, they are trying to charge me a yearly fee also. Yikes
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