HSBC / never use hsbc
I have an HSBC credit card through Best Buy. I had put maybe $1, 700 on the card. I got married and moved to a different state. I changed mt address with the post office and with HSBC. And I stopped getting a statement in the mail from HSBC. I didn't sweat it, cause I pay the bill on-line anyway. So every month I send my min payment of $50. Usually the min payment was always around $47-$48. And I always checked on-line on my HSBC account to make sure I was making the right payment. Then about 6 months ago when I went to log in to my account on-line for HSBC it said I could not access my account because it was being reevaluated. What that meant I had no idea. So I just kept making my $50 payments every month. All the sudden last month I start getting collection calls telling me I'm over-due on my payments. No way. I'm never late and never miss a payment. After about an hour on the phone fighting with someone who didn't really speak english I was told that about 5 months earlier my bill was $51 and I had made a payment of $50. How was I supposed to know this??? I wasn't getting a statement (something I had called and asked about many times) and I was locked out of my on-line account. So I had been accumulating late fees every month for 5 months because I had missed a bill by $1. No one had contacted me to tell me "hey you missed your bill by $1 would you like to take care of that before you get late fees?" That would have been nice. But no, I guess what they did is after 3 months of late fees they send a notice in the mail! Seeing as though I can't get my statement in the mail from them a lot of good it was to send me a notice in the mail. I obviously never got it. So here I am now getting collection calls every hour Monday through Sunday, wanting me to pay my $209 in late fees. This is insane! There seems to be nothing I can do.
So, just a warning to others never to use HSBC. They are the worst company I have ever dealt with.
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