LL in Ohio had nothing but problems with his HSBC credit card: “I’ve had lots of problems with my HSBC credit card accounts. I’ve had an account for 1 year. I’ve had numerous times when I made a payment by due date and they would post different day as being received making it late. The last time was December 2006, according to agreement with them. If payment is received by due date before 5pm they will post that day. They received payment due on 12/26/2006 on that day I sent express mail so they signed for then posted it on 12/27/2006. I notified them on 12/28/2006 of the problem. On 12/26/2006 they charged me $39 late fee then $39 over-limit fee. Then a few days later another $39 over-limit fee. Since this date I’ve tried to get this problem fixed and they keep adding over-limit fees. I’ve sent all proof they asked for. They received 7 letters, 4 faxes with copies of proof of receipt, 2 from USPS with copies of them signing for payment I sent on 12/26/2006. Seven phone calls (2 for approximately 1 hour each), 3 emails to account central.I’ve sent payment on time and have not used my card since this happened. I was told to fax proof, and I did. I’ve spent over $22 in faxes driving back and forth. All my mail was sent priority with delivery confirmation another $28. I’ve been on the phone approximately 4 hours. This is very frustrating and there is nothing I can do!
The month before this problem I sent payment via western union quick collect, and HSBC reported as not receiving payment. I called everyday for 8 days to straighten that out. HSBC charged me late $39, over-limit $39and then I received 4 phone calls in less that 3 hours wanting almost $200. I had western union fax them a copy showing they deposited money in bank. I did everything right. Then HSBC removed the over-limits and late fees they charged that time and its happened before. I’ve only had an account with them for one year of hell! Don’t do business with this rip off company. Purposely not reporting payments when received to reap the outrageous fees they charge!”
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