AF in California said: “I am having an issue where we are being charged late fees and back interest on a HSBC Best Buy credit card when we have not been receiving a paper bill, or an e-mail statement.

It is August and the last paper statement I had is March 27th. I realized in May that I hadn’t received a bill and paid it online - assuming it was a one time issue.

Then the next communication we get is from a collections agency because the bill is late again (still no statement - so I didn’t realize it was late!). HSBC is now charging a late fee and back interest on a promotional rate.

We offered to pay the entire original balance to avoid the late fees and back interest, but were told no. We paid the late balance immediately over the phone (with a $15 rush charge).

Now I am investigating how to proceed. I know this is going to be a fight. I have never had a late payment in my 25 years of having credit. Now they are threatening to ruin our credit and charge a fortune in back interest over their mistake.

If I had a bill I would have have paid it on time. They also have no online option of setting up a recurrent payment so this mess can be avoided even if they don’t send a bill.”

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