HSBC Reviews

it cost me many hours of trying tpo remedy the situation.I have all of the required documentation and they STILL denied my claim!

Well, I dont know what has happened yet. The company name is HSBC Trust Company, Experian Credit Services allen texas 75013. Help

Now I have this on my credit.

I call Casual Male and am told that the credit card I got has "NOTHING TO DO WITH CASUAL MALE. IT'S COMPLETELY SEPARATE. THAT'S HSBC. THEIR ACCOUNTS ARE COMPLETELY SEPARATE FROM CASUAL MALE." Note, they're talking about the credit card that has CASUAL MALE all over it and their website, and NO reference to HSBC. No HSBC logo at the bottom right, nothing. Well, on very careful inspection, at the top left on the back side there's tiny white print that says "HRS1012 (09/05)"

I call the original 800 number again and wade through the menu, entering my card number and the last four of my SSN, and finally I get to speak to a human being. I'm told that to see my statement, I have to go to HSBC's web page, hrsaccount.com, NOT Casual Male. So I go there and, again, put in the account number from the card and my zip code, and then I'm told that I have to SET UP AN ACCOUNT. They already have an account for me, I entered the account number - but I have to set up an account! So I enter all my personal information, name address age sexual preference birthmarks SSN etc etc and when I click submit I'm told that my login already exists. This is a very unusual login that I use for all my accounts, so I call up HSBC again on the phone.

I wade through the menu again and finally get to speak to a human, who asks me if I have another HSBC account. I remember that I had one for Best Buy, one of the most horrid credit experiences I've ever had. He says that account is blocking me from entering my username login and that I have to create an entirely new account. I ask him why the old account hasn't been deleted, as I paid if off years ago and said "close it." He won't answer that. He just keeps telling me that I have to reenter a new account. I keep telling him to answer my question, and he won't. He infers that I don't understand him. I hang up and check my old records for the old login to my old Best Buy account and try that out. It no longer works. I remember that one of the problems with that account was that I had to keep changing the user name and password because they would never work.

I call HSBC again and go through the routine with another person, getting more and more upset, and she puts me on hold to talk to a supervisor. I wait over 20 minutes and when someone picks up, it's not a supervisor. I tell him how I've been waiting and he puts me on hold and I only have to wait another 5 minutes to talk to a supervisor. She tries to explain things to me like I'm an idiot. She says it's impossible for them to do business any other way. How could I possibly direct my payment to the right store, if they didn't have completely separate accounts for each store? I ask her how other credit card companies do it. Can you imagine having to have a completely different account for every different store where you used your credit card?

She explains to me, like I'm a four-year old, that this "is not a credit card - it's a merchant account retail card." I tell her they should be out of business if this is what they call customer service. It would take about an hour to set up a system where I could log in to HSBC with one login and then choose what store I wanted to pay off, if that's what they need. I tell her I am going to pay off the balance, and I want all trace of me erased from HSBC's records forever, all accounts closed.

She says she can close my Casual Male Account. I ask, don't I also have an inactive account? I want that closed too. She says "We have you ON FILE, but I can close the active account." I say, "What about the inactive account? I want that closed too. And all the merchant and affiliate and non-merchant privacy agreement stuff, all that canceled. I want NOTHING more to do with HSBC." She says the inactive account will be closed too. Aha, I say, "you DO know about the inactive account." "I'm sorry if you misunderstood me," she says. "I didn't misunderstand you," I say. "You're just not talking straight to me. You knew I had an inactive account, but when I asked you if I had one, instead of saying "Yes, we'll close that for you too," you said, "We have you ON FILE and started talking about the active file again. What is wrong with you people? Why can't you talk straight?"

She wants my address so she can send me a notification of closure. I give it to her and she says she'll get me back to someone who will take my payment. She puts me on hold and after about 5 minutes I get someone. She takes my info and I make sure to tell her again that I want to OPT OUT of all the privacy agreement stuff, and briefly I tell her that I've been with HSBC for about an hour already and just want to pay it off and then have nothing more to do with the company, and she's all customer-service nice, sorry you've have a bad experience, thank you for your feedback, and finally she asks for my payment info and I give her my Master Card number.

"SORRY," she says. "WE ONLY TAKE CHECKS." So I dig out my checkbook and give her the routing number and account number and a check number. And then she says "THERE WILL BE A $15 CHARGE ADDED TO YOUR BILL FOR TAKING PAYMENT OVER THE PHONE." I explode. "NO WAY!" etc. She puts me on hold and checks with her supervisor and returns to tell me that she CAN'T take the $15 charge off, but she has approval to recredit it after the payment comes in. In about two days. I get her name (Brandi) and Rep number (B7T.)

I'm waiting for a statement of account. If the past is any prologue, the charge will still be there, along a lot of other [charges]. The next time anyone asks you to enroll in a charge card, ask them if it's HSBC. It so, say NO THANK YOU. It's not worth it. HSBC [is bad], bigtime. Nothing but profit leeches. They should go out of business, the sooner the better. I don't really care about suing them but please share this information.

i have been charged 4 separate insufficient fund fees of $35.00 in the past month. i strongly believe this was manipulated by the bank. two of the purchases were made at the A&P supermarket and GNC, both which are large companies. purchases will reflect on the available balance immediately and decline if funds are unavailable.

In April 2008, I noticed that the payment had been returned and contacted HSBC to determine what had happened. HSBC was much less than helpful during this call and insisted that I must have changed the account number at my on-line bill payment site. I told HSBC that I have not made any changes to the bill pay account since it was set up and that they had been receiveing payments for the past several years. HSBC did not perform any research to determine whether any changes in their processes of systems could have resulted in the payment being returned.

In May 2008 I revied my bank acocunt again and noted tha tthe April 30 payment to HSBC had also beeen returned to my bank. Upon review of the vendor record, I noted that the account number on my automatic bill pay did indeed differ form HSBC's number (BECAUSE HSBC changed my account number over 1 year ago). HSBC adjusted my interest rate from 7.99% to over 30% due to their rejection of my payment. HSBC may have reported this payment to a credit bureau.

HSBC is unfair for the following reasons: I did not request a change in account number and was not advised about the implication of this change. HSBC continued to accept payments form me under the old account number. HSBC personnel did not perfrom approriate research to explain that thier system purged old account numbers after a specificed period of time.

They are trying to exhort money from me, they say I owe 2000.dollars, I have proof I only owe 768 dollars.

I then started going online to pay the monthly statement within 10 days and noticed that the payment would not clear until after the due date. I couldnt get it paid ontime no matter what I did. I set up automatic payments to see if that would stop all these late fees. Of course the check would clear in no time but the payment would not be posted till the due date or later. I cashed in some rewards (cash back program) and received a check in the mail, which I thought was my cash back reward (was the same amount $25) and put it into my account. The next month I had numerous fees bringing me over my limit (way over). When I argued these fees I was told to contact a 3rd party. I questioned why I would be charged this for receiving a cash back check that I earned. They told me it was not a cash back check I cashed.

After 2 months I still had not receieved my cash back earnings, still had $300 more to cash in, but was limited to $25 at a time. When I called about the check they promised to send I was told I was over my limit and from all the late payments I forfeited my cash back bonus. I asked to close my account immediately, and was told I could not close it while I was over the limit, so I offered to do a check over the phone for all fees over the limit on the spot and then close it. I paid those fees and then was told they could not close it due to my balance being to high. I though good you got my money, my bonus, and now you wont close it. SCAM!

I asked for a manager who told me the same thing. In Feb. 08 a month after asking to close my account I received a generic letter stating that my interest rate will going from 9% to 29% after my next billing statement. I could payoff my account in full and close it or my new APR would be 29%. Great now I have lost money, bonus, and have a sky high interest rate. I feel like I am being violated. I had a balance of $4997 at the time of this letter and took my income tax check and paid a little over $2000 on this account. I have not used this card once and just got my statement and its back up to $4300 cause of the finance fees and other they keep adding on.

Unfortunately my credit score has lowered, no one wants to grant me credit cause of this, and I have gone from Tier 1 to Tier 2 credit in the past year. I am starting to struggle to pay the minimum balance of $200ish each month along with other necessary bills. I used to pay more then the minimum but at this rate paying the minimum of $200 is only wiping out about an average of $20 a month off the principle.

I was given an Opt Out option if I responded in writing within 30 days, with payment in full...or they could cancel my card and I could pay it out at the current rate. I immediately called and asked to speak to a manager. I was told that this was the policy, and there was nothing she could do about it. This, after she agreed that I had an excellent payment history with no issues. Based solely upon one reporting agencies comments: Payments are low compared to balance owed etc. I said that this appeared to be less than ethical on their part, and that it was gauging the consumer.

I confirmed that they were about to double my interest rate based on generic comments, and an excellent payment history. She said yes. I have a credit monitoring service and I get regular notifications of any changes to my credit...the only recent change occured on 7-17-07, when a new department store account was opened up for $649.00. My current credit scores are: 719, 721, 721 I do not currently have the available funds to pay the balance off in full, and if they cancel the card, then it will be a negative reflection on my credit. I know that Congress is looking a new legislation to prevent this kind of price gauging, but I need to know what else I can do immediately to prevent this.

Credit card interest rate doubling from 16.99% to 30.99% with an excellent payment history. Makes it impossible to pay off or get ahead.

Economically speaking, I do not have and should not have to pay $139.99. If I close all of my accounts which are by the way paid off, this will lower my credit score.

I just got a letter saying I was overlimit and they charged me a huge fee. I called and told them I never got a bill from them, which they agreed it was returned, but would not reverse the fee. I told them IF I got a bill, I would pay it, but I never got it...they wouldn't reverse it. I think this is a scam to charge enormous fees to unsuspecting customers.

I closed my acct and asked for my points I had accrued and they wouldn't give them to me.

All the double payments I was making still left my account past due but no body failed to explain this to me. They just kept asking for a payment over the phone. I called HSBC and was referred to my cardholder agreement which came about four weeks after the purchase of my motorcycle. Yes the documentation was there in fine print but I don't understand why this information was not disclosed to me at the time of purchase. If I would have known that then I would have made sure to make my payments on time to avoid all the hassle and headache.

About two weeks ago they knocked on my mother's door and said that since she co-signed she had to release the motorcycle, otherwise there would be a grand theft auto charge filed against her. Not speaking English she obliged. I just found out that it is located in Southern California and I live in Northern. Is there a law against how far they can take the motorcyle? They're asking for the whole loan up front in order for it to be released but why would I pay off a loan that is more than what I left the lot with? HSBC is terrible and I hope that with all these complaints, some good will come out of it. It is unfair to all consumers to find out after the fact that the original deal that they signed is no longer good because the bank said so.

My credit as well as my mother's has been severely damaged by this incident.

I then had a family member contact the washington state attorney general about financial elder abuse and unauthorized charges to the account with supporting documentation. She then found the fraud hotline number for HSBC called them, told them if they did not remove the charges and cancel the account w/in 5 days she would file a suit against them for financial elder abuse in Washington.

7 phone calls and a smart daughter fixed the issue. This should be a lesson to anyone with a credit account to check it, and your checking accounts daily to stop fraud. The banks, credit card companies and retailers are all out to take advantage of the misinformed. Don't be one of them.

I was given the opportunity to re-apply for a credit card. Re-applying for credit in this manner will negatively affect my FICO score, and its ludicrous that an established customer with a good history would have to do such a thing. Mostly, I think its an unfair business practice to just close an account for such a trivial reason without warning. It destroys a positive credit element on my credit rating and makes a good customer feel betrayed.

On April 24, 2008 I received a letter dated April 18, 2008 informing me that they had applied $1500.00 towards my Triple AAA visa credit card, without my consent. I called and talked to five different people at HSBC but they said they could not help me and will not reverse the charges. I would appreciate any help given, since I never intended for HSBC to apply the amount of $1500.00 towards my triple AAA visa. Thank you very much

even if you do pay off your account they will always want money from you.i have a small loan from them i wanted to pay it off to get rid of them but they where so unreasonable i couldnt belive it they wanted me to forfiete my first 12 payments and not credit my account they say now i owe more a year later than the loan was originally there trying to make it so you can never pay it off

i have had car loans etc. and have never seen this type of crimanal behaviour before with anybody there is enough problems in the world than having to deal with trash like this.

not much damage to me because i know what goes around comes around there greed will eventually eat them up.

After I made a call to the CEO Brenden McDonagh A complaint mgr. called me bavk named Stasia at 813-571-8998 and lied to me saying that HSBC DID OFFER ME A PAYMENT PLAN AND I TURN IT DOWN. I asked Stasia to reinstate my loan so I can start paying on my mortgage, and she told me no. HSBC has been giving me the run around every since I called them with my money promblems up till I got a job to start paying them. It was back and fitrh to call HSBC attorneys and back to the loss litigation department. Attorneys never answer calls, untill after the foreclosed date. Attorneys say I should be talking to HSBC not them becase HSBC hired them only for forclosure not for reinstatement befor or after foreclosure. I mention that HSBC told me I had to call their attoneys and work someting out.

Since HSBC mention I had to call their attorneys and work someting out only with the lawyers and not HSBC when the hold time I should have been talking to someone at HSBC IT WASTED TIME AND HSBC had cost me to lose my home to foreclosure and foreclosure is now on my credit because of HSBC sad, and sorry communication skills. My 5 yr old son and I do not have any place to go we are still living here. Please help

One girl who has now left, approved a small line of credit for my husband in which the balance has increased without warning for the amount of actual missed payments. Instead of the interest being added on - as is supposed to happen, they tacked on the extra $$$. When questioned, we were advised that this loan should not have even approved in the 1st place, and they will look into - that was 1 month ago now, and head office is calling non-stop!

I am currently of Long Term Dis. from work, and we have moved our payments to the end of each month. The office told us 5 times that yes, it has been looked after. Still, to this day, hasn't been done. We put stop payments on all 3 loans for mid-month and take physical cheques into the office. Yet... they keep hitting our account every mid-month, causing NSF charges. Today I rec'd 5 calls from HSBC's head office to speak to my husband, harassing me nastily, yet saying that I didn't have authorization to find out what it was about!

I am on a very limited budget, and the $60 total late fees has caused my having to do without enough food for those months. I have lost confidence in HSBC Credit Card Services.

This is an ongoing battle I have waged for over two years since my husband had a kidney transplant and has been unable to work due to additional and resultant medical issues. I feel like I spend half my day, every day, trying to explain to HSBC that they have made an accounting error that has made it look as though I have not made a mortgage payment.

HSBC, who manages the credit account, put a hit on my credit reports and refuses to remove them. They say it's a Bowflex problem; Bowflex says they would never do this over their mistake and apologized for HSBC. The hit clearly states HSBC origin, and now I get put on hold forever after giving my account info when trying to get a resolution. I've canceled my Bowflex acct because of HSBC.

I cannot function on a daily basis because this company keeps repeatedly calling my phone. Today March 2nd, they called at 9:22am,10:29am,11:53am,12:57pm, 2:45pm,3:26pm, 4:00pm, and finally 7:01pm. They also called March 1st at 9:40am,10:57am,12:36pm,2:05pm, 2:53pm, 3:39pm, 6:30pm, and finally 7:43pm. This is harassment; I have written them, and they do not stop. What do I do? HELP ME!

I have now been charged a total of $100.50 for over limit fees for purchases I did not even make. I only have a credit limit of $300. I usually send $30 or $60 each month, and last month I sent $100.

I feel robbed. I had to sacrifice so many other things so I could collect the money and pay these crooks. I agree that you should pay some penalty for being late, but this is ridiculous. We have to have some laws to prevent these things from happening to the customers. I will make my mission in life to prevent others from doing business with these HSBC thieves. I'll talk to my friends and anybody I know about these repugnant people.

This supervisor lady told me that she doesn't know who told me that, but my account isn't with HSBC anymore--it's with Corporate Receivables now. So obviously HSBC has misled me to think that my account is with them, and all I had to do was pay $391 dollars; and apparently that is not the case anymore. They gave me false information and have been jerking me around this whole time.

My second account with them is my Suzuki account. This one I purchased with a minimum monthly payment of $56. I just recently received a statement showing my new monthly payment from now on is $186. I called them to ask about this one and they said well since you defaulted, the promotion plan changes to a normal plan with a higher finance rate. Well, I can't afford to pay $186 dollars per month. HSBC does not care and keeps on trying to ruin me. This is by far the worst bank ever to work with. I will never work with them again. I need this resolved the fair way.

This is causing me an unbelievable amount of stress. I am getting so angry with these people. This can't be good for my health. Not only that but my credit is going to be damaged significantly if this is not fixed.

I am now going to have to pay almost twice the original amount of initial purchase. I have to face potential credit score damage--which effects me in multiple ways. This also causes psychological damage - in the sense that I have developed an inability to trust credit card services, or any organization that handles my financial transactions.

My banking is now through Chemung Canal who are very kind, resourceful, accommodating and honest.

Stress level through the roof, cant concentrate at work, marital problems. Possibly losing family home of 15 years.

Stay away from them; they are another corporate monster getting rich again, then dumping you.

I tried contacting many people and got the same department. They told me to send my proof of payment into the research department. I did. They found I did not make the payment even though I had bank proof it was taken out of my account. I had an attorney look at this, and only after 6 months he was able to get my payment back. They refunded the money, and I made the payment back to them. In the meantime I accrued several hundred dollars worth of late fees of which they still want me to pay, not to mention they have reported I was late on my mortgage several times on my credit report making it impossible to refinance with another company. They told me today there is no proof they credited me with the payment ,and I need to send that proof into them as well--all over a payment I made but they lost. This company has been a headache ever since.

I called the number listed and spoke to Karen Scott who verbally abused me, coerced me into making another payment agreement for more money and harassed me treating me like a dead beat. I was the one calling to find out what happened with my original agreement, which she did not seem to care about. These people are scam artists, and I cannot wait to pay them off.

I am having trouble sleeping at night, and I am physically exhausted with all of the harassing phone calls.

I think this is legalized loan sharking, and they keep accessing the late fees to up the balance! I explained that my husband did this and was unaware of the interest rate, and we want this account discontinued. I do owe this company $110.00 and that's the amount I am willing to pay! Please look into this matter for me. This matter has worried my husband physically while he is deployed to Iraq! It's also damaging my husband's credit!

Then I received another letter saying my account would be officially closed on January 31, 2008. Upon receiving that notification I contacted the bank and I spoke to one Queenie who told me not to worry, that my account is good standing. From 2001 to 2008 I never had a late payment. I believe HSBC is making decisions that are hurting good customers

Possible tickets for not reregistering in NC.

Also at the beginning of the loan, I was told of 9.65% interest on the 4 year loan, and when I got my contract it had been increased to 10.10%. That is a .5% increase over the 4 year term. I paid more interest than I was lead to believe I was going to pay. Late charges were to be waived by supervisor Mike Zugsay because he said I had a good pay record and because the payments were not posted on the scheduled payment date, which was not my fault. Every payment was made. They need to send me my title as promised by Mike Zugsay. And nothing negative should be applied to my credit report by HSBC Auto Finance out of San Diego, CA, office.

I sent proof of my purchase of my car and my allotment to collections. My credit is bad because of this. HSBC said Beneficial bought my account, which was a lie. Now I am fighting HSBC to correct this matter. It is 2008, and I am still serving in the military without the title of my old car and unable to by a new one. My old car was paid off in 2005.

Bad credit and unable to by another car for my family that is safe. Due to my vehicle being 9 years old and breaking down.

I think this company's customer service is outside the USA; not a single person I spoke to that day spoke any good English. This is the worst company I've dealt with. I have since paid off the balance in full, including their $15 fee so that I do not ruin my credit rating; however, I am livid about this situation and want to get my fee back and make other consumers aware of this scam.

I have never dealt with such an irresponsible mortgage company in my life, and I've dealt with plenty. One more recent problem: We had our loan modified for a few months due to illness that kept me from working during that time. We contacted HUD, and after many shed tears, HSBC finally modified our loan. Anyway, they did not notify us of the approva;l and in the meantime, out of desperation, we put our home up for short sale after calling them numerous times and getting no response to our plea to lower our payment. They did not accept the short sale, and then by some miracle approved us for the lower payments. By that time we were behind 2 months which hurt our credit, and now we are just doing what we can to get caught up. They didn't care what happened to us, as long as they are taking care of themselves!

Due to this bank ignorance, my other transaction in other institute is in pending from last one week (because of insufficient available balance in HSBC card).

The letter sent to me was from: New Accounts Department 1-899-515-5297 letter code: NPNA. The report was from Experian P.O. Box 2002 701 Experian Parkway Allen, TX 750113-2002 1-888-397-3742 This report was sent to Discover New Accounts. Again, I did not apply for a Discover Card. I researched my payments and have from March 30, 2007 to June 13, 2007 (the final date of payment to HSBC bank). I phoned and wrote a letter to them expressing my desire to close the account and my check read Paid in Full. The check was cashed and I receive a letter per my request, to close the account. I did dispute paying any interest accrued after I had paid the account in full and it was to have been resolved in August 2007. Now my credit report is in error and HSBC had reported in error to the credit bureaus.

Issue #2: One of my employees went to the HSBC branch where my business account is to cash her pay check, and after calling me to verify that the check was good they charged her $5 to cash it! They told me that they do that because there is so much fraud now. I asked them why did I bother signing a signature card when I opened the account if they weren't going to look at it when questioning a check?

Issue #3:I have had an HSBC Mastercard for a couple of years and have always paid at least the minimum payment, paid on time, and several times have paid the card balance off in full. On Nov 08 I paid almost $5000 to clear the card. On Nov 29 I tried to use it for an orthodontist downpayment of $1800 and it was not approved. Turns out they reviewed my credit rating and reduced my limit to $500! (My credit rating was good enough for the Royal Bank of Canada to give me a blank cheque status for the purchase of a $650,000 house in March. Since we had over 50% of it as a down payment and an excellent credit rating they said tell us how much you want - no problem.) I called the customer service number from the HSBC website and they offered no help whatsoever. Tomorrow I will be sending a letter to the President of HSBC Bank and a carbon copy to every director on HSBC's board of directors.

Other than the embarrassment of having a credit card refused, I was forced to come up with $1,800 immediately from another source, while the receptionist waited. I have transferred my business account to another financial institution and had to incur the costs of doing that.

Will I be able to keep my house? Doubtful.

This was reported on my credit report.

We kept getting notices about our real estate taxes, saying a large payment was due, but that if our taxes were included in our housenote, to ignore the letter. We did, because we were assured that our taxes were now included in our note. We called HSBC to make sure, and they said "Yes, your taxes are included in your note".

Over a year went by, and found out that they had NOT paid our real estate taxes. They said "Oh, sorry. We found out, after you signed the loan, that we couldn't put both the taxes and the inusurance on the mortgage, so we just put the insurance". We had to go pay almost $2,000 cash in overdue taxes!!

A month or so after that, we got a phone call asking us about insurance, saying we had not had any coverage in nearly a year!

They called us weeks ago and said that we missed a payment in December. We have never missed a payment or been late with one. We found the receipt and faxed a copy to them, and was told that it was taken care of. This week I got a call saying the same thing-no payment in December. When we called they said that they received it late and that they were HOLDING THE PAYMENT.

Something needs to be done about this company.

The lender for this account is HSBC and I have asked reppeatedly for a copy of the original contract, but HSBC refuses to send it to me. HSBC has erroneously reported 7 30-day late payments in the past year which is completely incorrect.

They have also reported 4 90-day late payments over the loan period.

These fraudulant reports negatively impacting my credit tremendously and no one is willing to help me rectify the situation. As I am sending this email, I am speaking to a customer service rep for HSBC who says I have paid my payment in advance and do not owe any payment until April 21. May I just say I have not even paid March yet because it is not due until the 21st every month

My credit has been susbstantially damaged and I have paid an atrocious amount of money towards this loan due to being scammed. My wife is handling this situation for me so please contact her at 904-708-1660 to discuss further. Her name is Katrina Otero

I called immediately and was told my card was cancelled and the balance transfer requests would not be sent through. This was on the 8th of January, 2007. On January 20th, I received a letter dated Jan 12th, postmarked Jan 17th stating they had made a $150 payment to one of the cards I had requested balance transfers on.

I called and spoke to several people who claimed they were managers, but could not reverse this action. They claimed I had requested it and although it was not transfered till the 16th of Jan, that was my issue not theirs. There were employees laughing in the background as I attempted to explain I cancelled the card, never activated it, never used it and then 8 days later they transfered money from a closed account. Again they stated it was my issue and they could not help me.

My daughter has a baby for whom she was left unable to buy formula for because of this.

Each call that is received on my cellular phone is charged to my personal cellular bill. I am receiving approximately 4-6 calls per day from HSBC.

I will take me much longer to pay off this account, I plan on trying to pay it off in full

Everyone from the customer service dept. to the supervisors insisted that it was not their fault and seemed to not care if the issue got resolved or not. Absolutley the worst customer service I have ever experienced.

I paid the card in full and closed the account.

I did, at the time, try to call and e mail them to tell my side of the story but to no avail. In one e mail I sent to them I got the replay “Per your Cardholder Agreement, it is known that you must make monthly payments to your account as long as you have a balance due” - like I didn't know this. I have cancelled the credit card and will stay away from GM products. (Naturally I do not know if they have fixed the web site since August.) I am always amazed when corporations will spend millions on advertising and yet lose customers over small things like this.

Within a week I received a package with checks, thanking me for requesting these HouseHold Bank Credit Card Checks. This was the only package or correspondence I received from the bank.

I made out two balance transfers and sent them off. The next correspondence I received was a bill indicating the transfers were not at 0% but at 29.51%. I immediately call customer service. They justified the rate saying, "Oh, you must have used the WRONG CHECKS, those checks are credit card checks not balance transfer checks, so it's like cash".

I now have to pay off a debt that was 9.9% before the transfer, but is now at 29.51%. And to top it off, because of the high interest rate combined with the second bal txr check I sent, my request was not honered by HouseHold Bank because it would have put me over my CREDIT LIMIT. Thus, that check ended up bouncing causing late fees and raise of APR on my card.

I have been contacting them in person and over the phone to correct the mistake. I asked them to give me, in writing, the amount I owed them and for what reason. They did not want to give me any documented proof that I owed them or the reason.

My interest rate went up from 19 to 21 % and they charge my about $35 in fees plus hit my account 2 times for over the limit

I have no problem paying, it was only a $11 minimum payment, so I told them that I could give them a check by phone. They wanted to charge a $15 fee for that service, I explained since they never sent me a credit or a statement, that I should not have to pay a fee for this. They would not waive the fee, so I told them to resend my card and statement, and that I would mail a check the same day that it arrives.

Another month goes by, and still nothing, and another threatening phone call from them again. This time, they have added $58 in late fees to my account??? And want me to pay all of this now, or ELSE!!! This is now the 4th month and each time, I receive the same threatening phone call. I have had perfect credit for 8 years now, and I am only just turning 26, so I have had perfect credit my whole life. I make car payments, rent payments, etc. without any problems, obviously $11 is no going to put a hurt on me, I can get that money from my next door neighbor if I needed to.

So I went to my neighbor and she told me that they put the finance charges for the whole 12 months. I tried to resolve with them the situation but it there was no luck. That is why I'm asking the consumer affair to investigate this type of misleading because this is unfair to the people.

A package containing the new contract and guidelines was express mail to me to sign, date, and seen in a payment with a deadline date of December 30th. They repossessed my car before the deadline and did not notify me. The gentleman that repossessed my car called me that morning and I explained to him about the agreement. He claimed that it was an error on their part because it happened all the time. Anyway, I called him back after I realized my car was gone. This man claimed that he did not know what I was talking about and he was not the individual whom called me about repossessing the car. He told me I had the wrong number. Guess what, my sister and I both had the same number on our caller id. He called us approximately within 5 minutes of each call.