A creditor failed to send me a billing statement for two months. I get a letter after Christmas requesting me to make the account current - Which I did. Two days later, I get a call, then another two days go by and I get another call. Then I was reminded that payment is due on the 9th of each month. Heck, no statement - am I suppose to pay blindly? Talking to their call center in Jan. I was more than teed off. They told me that they were going to add late fees - again - no statement! The supervisor did not speak to me though I requested to speak with the supervisor. I know that the supervisor listened in on the conversation. When I finally agreed to pay them - with no statement - I was again reminded that my bill is due on the 9th of each month! I called my Congressman and Senator. Congress is trying to put a halt to the harassment and unfair practices of credit card companies. I recommend everyone do the same. Oh, just in case the people from "H" bank is reading this, I am refusing any credit cards from your bank and refuse shoping at any store that uses your bank.

Recently, the school system for which I worked acquired a new bookkeeper. Consequently, my paycheck was late. I called HSBC on the day my payment was due to let them know that due to the above circumstances out of my control my payment would be one business day late. The customer service rep said no problem, I'll note your account. I made the payment as promised.

HSBC slapped me with a late charge. We went around and around on this issue, and I have the emails to prove it, before they finally credited me the late charge.

Two weeks later I get a letter in the mail that they're raising my interest rate to 26.99 percent or I could keep my present rate with them if I wanted to close my account. I emailed and told them I wasn't going to pay, and furthermore, if my business with them isn't important enough to keep my interest rate at its present level and keep my account open, then my money wasn't good enough for them either. We went around and around again (and I have these emails as well) with their repeated request that I call their customer service and me replying to them, you have my phone number and the last time I called your customer service it didn't do me a bit of good.

I prefer everything in writing now when dealing with these banks, whether it's email or snail mail. I believe the raising of my interest rate was pure retaliation, just because they could. I'm through lying down to be a convenient doormat for banks.

I refuse to pay until they lower their interest rate, plus now drop all the resulting late charges they've added to my account. I don't give a damn about my credit rating--this is a merely tool created by the banks to herd frightened people into line. What they don't tell you is that in two or three years of regular, on-time payments to your other accounts, your credit rating bounces right back.

I have two other banks who thought to arbitrarily try to extort more money out of me by raising their rates that I have also refused to pay--Bank of America, who pulled the classic bait and switch when I did try to work out a settlement with them, and WaMu, who tried to extort ten more points in interest out of me just before they went bankrupt.

To my way of thinking, these banks have already made their money on me, in interest alone, and now I get to pay them a second time because of the bailout. I don't feel bad for not paying them. I think more folks should stand up to them in this manner--perhaps then they wouldn't try to blatantly rob us like they do when we let them.

i was stupid enough to accept their credit card. i used the card, did not receive a statement. i called them to inquire about when the payment would be due. i was told it was already late, so i made a payment by phone. i was charged $15 for the transaction. again, no statement so i mailed one. i did NOT use the card for a month, but was hit with late payments, over limit payments and processing charges. i paid off the card, wrote down the time and the person i spoke to. the lady told me the card was closed at 1341pm..yet, a month later i received a phone call and was told i was being charged $99, a charge that went through AFTER my card was closed!
harrassing calls will not stop!. luckily, i kept my letter saying the account was closed.

constantly receive calls every 45 minutes from this company.They are blocking their number.When asked for a company name was told cannot disclose that information that john was calling regarding a personal matter.Asked for a phone number and was told that they would try later.So itold them that I know who they are and would be launching a formal complaint to the authorities.John opertator just keeped saying hu.Must have a grade 3 education or some thing.What can be done for them misreresenting and not disclosing for such a simply request?
thanks
shelley

I had a credit card handled by HSBC for Best Buy. A television set was purchased with a12 month no interest promotion. I did not recieve an invoice in October, in November I recieved an invoice with $30 dollars tacked on for non payment and the minimum payment went to $44. Prior to this the minimun payment was $10 and I always paid $100 this was this way for 8 months. I contacted HSBC asnd got ahold of someone who couls barely understand english and didn't really care about my problem as they couldn't make a mistake. Needless to say I will no longer do business With HSBC or Best Buy because of thes tactics to generate income and harm the comsumer. The money is not the issue it is the underhanded business practice.