AD in California said: “We were due to pay off our HSBC account for our Levitz account in January. Prior to the due date, I went online and submitted an online check at the cost of $15.00. I entered all the correct information as instructed, received a confirmation of payment, and assumed we were done. A day later, we received a “payment received” e-mail from HSBC, furthering our assumption that we were good.

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AB in Illinois said: “I purchased a TV from Best Buy on a “no interest for 24 months” program. At the end of the 24 months, I paid off the balance via the online payment system. The system confirmed my total payoff of approximately $1,100 if paid by 3/12/2009.

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CG in Virginia said: “My name is (redacted) and on June 22, 2008 I established a credit card relationship with HSBC at Best Buy. The terms of the account, as noted to me by the store employee was 24 months no interest, no payments. I purchased an Apple iMac and a Sony Laptop computer, the total purchase made was $1,992.96.

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JH in Colorado said: “RipOffs! 12 mos same as cash…my a**! If you watch them and are willing to sit on hold for six hours! Else you’re getting late fees and other charges! Run like a prom…or can I say “a wedding dress” coming off!”

CC in New England said: “I received an offer for a GM Flex with a 0% for 12 months. Then a 9.99% thereafter. The 12 months are now over but my October statement read 17.99%. HSBC also claimed to have send me prior notification in the mail which didnt happen because I read everything. I have called and written to them but they refuse to change. I do have the promo code but the interest rate is not on the application. I am positive it was 9.99% as I would NEVER have taken out a balance transfer otherwise. I now have to opt out of because I received a letter yesterday from HSBC that they will be raising it to 19.99%. Is this not against the credit laws? Who do I write?”