MY husband and I have a best buy credit card which is held by HSBC bank. I thought it would be great if I could start receiving online statement notifications instead of a paper bill. The last paper bill that I receiv3ed was in June 2007. From July-October, I have yet to receive anything in wither a paper form or email notification.
I have made regular payments and to our surprise we received a collection letter from HSBC. When I called and was transfered to some place in India - the csr first thanked me for my payment and then yelled at me for being irresponsible because I am now in collections. My original payments for best buy was $29 a month, but I would pay $30. Apparently when we bought our computer from best buy the payments went up to $33 a month. So for 3 months, I shorted HSBC $3 a month, bringing a grand total of $9. For that $9, I am now in collections for $149.
When I called on 10/31/07, I spent 3 hours on the phone with over 6 people explaining and reexplaining that I haven't received any bills but still paid. They each told me that HSBC just sends out statements as a courtesy and it's my responsibility to know my amount. I have called every month since July complaining to HSBC regarding not getting an statements or notifications. When I mentioned that the csr(s) each said that I never called because they would have had a record of it. On October 31, 2007 I mentioned over 10 times that I wanted a manager. Each time, they either said that they don't have one, the manager's on the phone, and I have one supervisor flat out refuse to give me a manager telling me that I WILL ONLY DEAL WITH HER!!
After 3 hours of getting a run around, I was back to square one, with the supervisor threatening to report me to all the credit reporting agencies and in essence because of shorting HSBC $9 - They not only have reported us but have taken away our promotional rate from Bestbuy. I am stressed out, my husband and I are fighting and I can't sleep. Can you help me? Does anyone know what to do?