Laura in Washington said: “I have 3 credit cards through HSBC, I pay on time, and usually over the minimum due. One of the 3 cards I have paid down to zero multiple times. I get letters in mail today informing me that my interest rates were all going to 29.99%, however the verbiage was very confusing, something like “would be or could be 29.99″ so I call and after going round and round wth some rep that sounded like a computer reading a script I demanded to know what my APR was exactly.

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PR in Pennsylvania said: “I received a E-mail from HSBC card service to review my GM card statment. ( Sept 12, 2009), so I checked it out knowing I have not used this card in a year. I had a balance of $202.69 from a charge made by Sirus Radio in June for $142.45, plus $29.00 in late fees for Aug and Sept.

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DW in Rhode Island said: “My ex-wife and I had a line of credit with HFC. We separated and I closed the account, continuing to payoff the balance at about 6 percent. I lost my job and was out of work for 8 months. During that time my loan was taken over (sold) to HSBC.

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KF in Wisconsin said: “I have been making my payments ontime and I have not been over my limit or any of the standard things that jack up you rate, and I am somehow at the rate of 27.99% which is extortion. I hate this company, I call and get the run around and they will do nothing to change it and will not give any kind of explanation. I would do anything to see this company get what they deserve.”

JB in California said: “I have had a mortgage with HSBC for 3 years and my rate is about to go variable. I have contacted HSBC to either do a loan modification or refinance and their representative informed me that HSBC would no longer be doing refinancing on home loans and that their only loan modification available would be temporary at best. Then the representative told me to go to another lender. When the conversation was over she asked if she had been helpful. Helpful?”