A Maine resident asks: “I have tried 4 times to have HSBC send me an original of the account application to see who is the owner on the account. I send these each month and so far have never recieved the copy. HSBC coerced my ex into paying for this account even though the bill has always been sent to just me.

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DB in Oklahoma said: “HSBC has been ripping us off for years. They go in on September of every year and start charging us for insurance we already have. They have ruined our credit, charged us fees for a hardship program that they caused us to be in and they are always giving us greive.

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BP in Washington said: “This is a GIGANTIC complaint about HSBC. Their late payment scam has cost me my life’s work in less than 6 months. They’ve made my 840 credit score go to 000!. In july I set up what I thought were auto monthly pmts. The 1st of sept. I noticed no pmt came out so I called and she said you have to set up each month separately (a very confusing and time consuming process on their web site) so I immediately told her about it and asked how much to clear it all up which I then did plus I added some extra to avoid any further problems.

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MO in Florida said: “I have had an HSBC card with a credit limit of $2500 for about a year. I have always made my payments on time. My available credit has been close to the limit but as of early December the automated service said I had credit available.

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RS in Texas said: “I have had a GMAC credit card for many years. When I first recieved this card, the original agreement was that for every purchase i made with this card, 5 per cent was going to be used off the price of a new GM car. In other words, if i charge $1,000 worth of goods with this credit card, i then would have $50 built up which would be deducted off the price of a new card.

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