JK in New York said: “I believe HSBC also are sitting on credit card payments, in order to amass late fees and raise interest payments, as a punitive measure simply because I am trying to pay them off: To whom should I address this complaint?

JS in North Carolina said: “My husband received a phone call yesterday from a collection agency stating that we owe $280 dollars. Into the conversation they stated that it was annual fees just to have the card, even though this card was paid off over a year ago. When asked why we had not recieved a bill, cause keep in mind we thought the account was paid in full, they inform us it is going to an Illinois address, WE LIVE IN NORTH CAROLINA!!

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GG in California said: “I sent this complaint to many officials and will send it to a few more. Feel free to forward it to the FBI and any other organization that can stop the scheming deceitful greed based practices of HSBC and other companies like them.

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JB in New York said: “I went through a serious breakup in 2006 and in the middle of this all, I was forced to declare bankruptcy. While doing this I had tried several times to get a hardship or loan mod or some kind of help from HSBC (my loan holder). They ignored me throughout the whole ordeal, except for the foreclosure letters of course. Anyway, not until a few days before foreclosure did they finally contact me.

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Rg in Connecticutt said: “Just received a letter from HSBC today telling me they lost a class action suit and have reduced my credit limit by 1/2. What bothers me is that I was now “overlimit” by a couple hundred dollars and as their rep gleefully told me I had 30 days to pay it up before they report me as overlimit, overdue!!! I’ve had my card with them a long time, never been late on a payment and always paid more than the minimum. Thankfully I had just received income taxes so I paid it, but there was no 30 day notice as required. I’m going to write to our Banking Commissioner and the Better Business Bureau because this is horrible customer service.”