Consumer BEWARE of BEST BUY-HSBC ccount fraud. It occured to me last night that this has to be a scam and decided to goggle the internet, I am not surprised to find so many of the same complaints. Since late 2008 I have been fighting with this company. Before ever going late while I was at a low interest rate I applied for a "hardship", 0% interest, fixed payment plan until the account is paid off. I WAS TOLD, they would debt 3 payments (all they could do in advance) from my checking account, to call in the last month and issue 3 more payments (this would be on going). Imagine my surprise in Feb 2009, when they called to collect on a late payment, stating my account was never set up after the first 3 payment, they had NO RECORD of my authorization to debit 3 additional payments and that I was now off the program. The rep for HSBC stated I could never be put back on the program once I was taken off. They raised my interest rate to 21%, charge $39.00 late fee and $15.00 check fee to take my payment at that time to correct my account (more than once). I HAVE CALLED ON A MONTHLY BASIS trying to get this corrected since MARCH 2009, IT IS NOW GOING INTO SEPTEMBER AND NOTHING HAS BEEN DONE. On August 24, 2009 I called HSBC again with a complaint off having $105.42 in late fees and interest added to my account. EVERY PHONE CALL, is answered by an overly friendly customer rep with a Middle Eastern accent, the calls are not being answered in the U.S. (I asked). I get passed around to different departments, each person wasting time listening to my complaint only to tell me can't help me and need to transfer me AGAIN. I estimate I have spent up to 12 hours in phone calls. Last week I was told they would pull the phone record tapes to review the calls I have made to determine where the error has occured. I asked if I would get a written letter as to the finds and I was told absolutely not that someone would be calling me in 2-3 days. NO ONE EVER CALLED. When I called yesterday after getting the statement the same cycle began again, transferred after 10 minutes, put on hold 5 times, at 44 minutes (indicated on my phone) I finally hung up while waiting for someone to come back on the line. THIS IS A SCAM. This is a company who INTENTIONALLY defaults accounts to collect late fees and escalates interest rates for PROFIT. I have no idea how to fix this other than to file a complain on every website, the Better Business Bureau and the State Attorney General's Office. This company needs to be stopped.