NS in Virginia said: “I had been a Bon-Ton card holder since 2007. This past August (2009) i made a purchase of $52.00 to my Bon-Ton charge. When the bill from HSBC didn’t come about a month later, I called wondering where it was and if it was now late. The women on the phone told me that My bill from HSBC should be coming in the mail soon. 2 weeks went by, and I never got a bill. So I got online to check my statement that way, and there was no bill.

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DP in Pennsylvania said: “I agree with SM in Missouri regarding the HSBC/Best Buy online payment system. My son and I have been going back and forth with HSBC about my son’s account for more than 6 months regarding making two payments online (one on the due date and the other the day before the due date) and being charged a late fee. There is nothing written in the terms/customer agreement that payments made online on the due date or the day before the due date will not be considered on time. My son has another credit account through HSBC for Mac Tools and the Mac Tools payments made online on the due date or the day before the due date are credited as being made on time. I also borrowed from someplace else to close my husband’s HSBC Suzuki loan because of the HSBC/Best Buy situation.”

Jennifer in Missouri said: “I have a David’s Bridal account with HSBC. For the past year and a half, I have been paying the amount due on time; however, HSBC continually charges me over the limit fees and late fees, even though my payments are on time and over the minimal amount. No phone calls to HSBC are answered, and only after my husband sent a notarized letter to the fax and mailing address did they stop calling me every day. I have it documented that back in May, they called my cell phone 6 times…in ONE day, and my payment had already been processed for that month.”

BK in Ohio said: “Okay I just rec’d a notice that the interest was going up on our Best Buy Credit Card from 19.99% to 25.99%!!!! You can call them and opt out of that rate but than they CLOSE your account. How fair is this? I really didn’t care after thinking about it for three days I wanted my account closed who cares. I have contacted the Attorney General in our area and suggest that everyone does the same thing. We need to take a stand before it’s to late.”

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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