On my VISA has two charge to the "TRANSACT-BILL.COM 8662657835 KN" on Jan-10-2010 (USD12.87) and Jan-18-2010 (USD39.95) to my HSBC VISA 4201-xxxx-xxxx-0875, I cannot recall I have those payment, please provide the notes where I span,

Please conect me via e-mail: [email protected]

IF YOU HAVE THIS CREDIT CARD BURN IT, THEY LIE, LET PEOPLE CHARGE YOUR CARD AN SAY THEY DIDN'T WHEN YOU CALL THEM BUT YET ITS ON YOUR STATEMENT, AN REPORTING IT LOST AN GETTING A NEW CARD AND NEW NUMBER DOESN'T HELP.WHEN YOU CALL YOU GET SOME DUMBASS TO TALK TOO, THAT IF YOUR VERY LUCKY MAY UNDERSTAND ENGLISH, BUT NOT SPEAK IT.THEY RAISE YOUR % WITHOUT REASON OR TELLING YOU.IF YOUR SMART GET RID OF ANYTHING TO DO WITH THEM, THEY'VE NOW LET THIS PERSON CHARGE OVER $1, 500.00 ON MY CARD THE SECOND CARD THE FIRST ONE WHEN IT HAPPENED I REPORTED LOST AN GOT A NEW CARD AN NUM. AN THEY LET IT HAPPEN AGAIN.IVE STOPPED PAYMENTS UNTIL THEY GET IT BACK TO WHERE IT WAS BEFORE THEY GAVE MY MONEY AWAY.I TOLD THEM IF THEY WANT TO LET EVERYONE CHARGE ON MY CARD THEN THEY CAN PAY FOR IT TOO.

After working hard to pay off CC debt, I finally paid off my HSBC CC. I was going to start using it for small purchases at Christmas, however they closed my account do to non activity for three months. Nice. I paid back my debt, and they reward me by affecting my credit score. HORRIBLE business practices, steer clear from them--

Received phone call after first superday for client management, Friday, Nov 20th -- they said I'd be moved to the Dec. 4th interview date for M&A, and I'd hear soon.

Emailed 4x starting a week before the interview. No message until today (Dec 3) and called them. They said nobody had offered me a M&A interview.

What the fuck is going on?

In August of 2008, I opened the bill from HSBC GM Card, a card I had since about 2000, and regularly paid as agreed, Expecting a credit balance of $39, (I had returned some shoes which were credited back) I was shocked to see a charge for $879.00 from Dell. I immediately called the number by the charge, as I had not made it. I spoke to a representative of Dell who referred me to their fraud line, which turned out to be a porn line, as was verified by the service rep who gave it to me when I called him back. He had no other number to give me, but said he would report it to someone. I then called HSBC and reported this fraudulent charge, thinking they would help me. They said they would refer it to their fraud dept and asked me if I would like to activate my new card. I informed them that I hadn['t received a new card and would not like to activate it, as perhaps that was the origin of the fraudulent charge. They immediately canceled that card and sent me a new one. I thought all was well, but it wasn't. About 2 months later, I received a notice in the mail from HSBC that they would be unable to help me with this fraudulent charge because it was a "secured transaction". I subsequently called them to complain, and they said there was nothing they could do because I had the card in question at the time the charge was made. I reminded them that I didn't have the new card that they had sent out, and they once again referred the case to the fraud department, who once again sent me another notice saying their was nothing they could do since I had the card at the time of the transaction and it was a secured transaction. It was now 3 months since the event had transpired, and they had told me not to notify the police because the fraud dept would take care of all that. I didn't know what to do except not pay the charge. As the card became past due, I began to receive frequent phone calls from collections, wanting me to pay for this huge bill. Dell informed me that the charge was for a digital camera that had been mailed to Las Vegas, no where near where I live in Bakersfield. Eventually, this episode began to effect my credit rating, and in February, they invited me to pay $679.00 to settle the bill for less than the amount. I did not know what else to do, so I paid it, since my daughter is in college and I have to have student loans for her. This company basicly helped the person who made this charge to get away with fraud. They held my credit record up for ransom and I was forced to pay to save my credit rating. I will never have any further dealings with this horrible company whose actions basicly contribute to the success of credit card fraud and identity theft. Every day we are at risk, as most hotels will not let you check in without a credit card, even if you offer cash up front. It takes only the card numbers and the 3 digit security code on the back to make a so-called secure transaction by computer(plus the victims address and zip code, also readily available to any hotel clerk). I do not doubt that I am not the only person that this has happened to, and since I had no experience with this type of problem, I did many things wrong. I trusted this company to help me when their only interest was in making sure that they did not lose anything. Even if you think you have no HSBC Cards you should no that this bank under the name retail services, handles many major Dept store cards. Buyer and credit card users beware! Yes, this could happen to you.