CV in New York said: “I have a closed acct with HSBC that I have been paying on each monh on time. I use the on line payment web site. I still do not understand how paying it on the due date results in a late charge. The only way to avoid this is to consider the due date 2 days earlier and keep on top of any holidays otherwise pay a ‘rush payment fee’ before the due date.

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GO in Arizona sent this text message: “have been a hsbc card user for many years. paid my bill in full always. i had a problem with dish network in jan. this year. dish net work charged my credit card for services not received. also universal sat. co. hsbc was called by me on two occ. and asked not to pay either of these co. any money, before the charges were ever put on my account. they charged my acc. any way. have been in discussions with them ever since. one of their employees louis, messed this up. they say they have a signed copy of the contract with dish network. i asked for a copy to take to the attonery general. they never sent or faxed me one. they are still charging my account. i refuse to pay. if you can inform me of the person to name in a law suit against them please let me know. thank you for having this site avail.”

SE in Washington said: “HSBC continually reports my payments as late no matter when we mail them. In fact we go thru online bill pay with Harborstone Credit Union and I keep getting charged $29.00 per month late fees and when I complain to customer service supervisor they are rude and hang up on me.”

MR in Michigan said: “Last month I called Beneficial/HFC to get a payoff balance to close our account. I was giving the amount $3,119.86 good until 6/22/09. I was told I could pay it on-line at no charge or pay it with the rep for an extra $15, so I paid it on-line 6/19/09. This month instead of getting a pay-off notice I get a new bill stating I owe $27.78 and have a minimum payment due of $28.54.

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KS in New Hampshire said: “Household Bank ruined my vacation. I posted a rush payment on June 26th for $1600 to cover my card use during my June 29th – July 4th vacation with the family at Hershey Park in Pennsylvania. The $1600 payment was removed from my checking account on June 29th yet my $1600 payment did not get credited to my account until July 7th.

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