KAthy in New York said: “I purchased 2 ATV’S in 2006 and I was never late on a payment until I moved and did not get a bill even though I put in a change of address and a name change. When I received the bill they changed my interest rate from 0% to 21.90% and added finance charges and late fees.

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LU in North Carolina said: “I’ve received multiple (20+) phone calls from a collection company called ATG in reference to a Mac tools HSBC Account. The call’s come from a wide array of numbers, and for the most part they didn’t bother me. I’ve explained to them, all I could possibly pay them right now and still eat is $20-50 a month. They say thats not acceptable they cant take a payment.

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SA in California said: “I am having problems with the Costco Hsbc Retail Services card. I can mail my payment in 2 weeks before the due date and they always hold my check until the due date has passed. I am mailing my payment from Northern California and it is only going to Southern California, not across the country. All the others bills I’ve mailed make it to their destinations on time but for some reason this one never makes it until the payment is late!

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BC in New York said: “I obtained a best buy credit card. I than went on their website to set up online bill payment. The wording on the website made me believe that I had set up a monthly payment. The following month I was given a late fee due to not paying on-time. I talked to them on the phone and told them how shady their online system was and they would only 1/2 my late fee.”

CV in Virginia said: “I have tried to get a payoff amount on an HSBC retail services account I have now with HSBC. But I get look at the bill, and the total amount owed has not changed since I took out loan 2 years ago and made payments. Then HSBC sent me something about same as cash notice.. I WANT a payoff amount!! How can I get it?”