from E.K. in Georgia

I received my credit report after trying to get a refinance loan at the bank. I had a lower score because HSBC/Rhodes filed a complaint in July about me having a missed payment. I don’t even have a loan or credit card with them. This is fraud and ruining my credit.

From A.D. in Washington: I received a call before Thanksgiving from an HSBC representative asking that I make a payment on my credit card that was overdue. I told them I didn’t have an HSBC credit card.

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From T.W. in Colorado

I purchased an amplifier from Guitar Center over a year ago. Because of my good credit rating, I was approved for $5,000 on my Guitar Center card. I’ve only purchased this amplifier and supplemental gear with the card in a one-time, POS purchase. My principle was around $500. I began payments immediately through automatic drafts through HSBC of at least ten dollars over my minimum fee ($15/month).

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From A.A. in California

I have had an HSBC card for years.

When I made my first payment, mailed well in advance, I kept checking to see if it had posted and when it hadn’t posted on the day the payment was due, I panicked and paid over the phone for a fee to avoid an even more expensive late-payment fee. Later, the payment I had sent showed it posted on the due date.

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Sylvia in California said: “I have a complaint with HSBC Household bank. I sent payment before my statment closed, and before the 1st payment was ever due. I sent a Money order from Irvine, CA to HSBC overnight address in Pomona, CA (25 miles away) and not only have they not posted my payment, but the statment has now closed 1 week later and I get an over the limit because they did not apply my payment till a week later. Is this fair practice?”

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