Complaint / review text:
I have a Neiman Marcus credit card through HSBC.in the several years that I've had the card I haven't had a single late payment. I decided to be a good consumer and get online statements instead of paper ones. Luckily, I have a credit bureau service that tracks any inquiries negative or otherwise on my credit history. I received a notice that there were changes to my credit record, and when I looked into it Neiman Marcus' card had put a negative inquiry in my credit history for not paying my bill in over two months! I had never received an eletronic statment, no one called me to let me know I was late, no online notices came to me saying my payment was due or late.
I called today and asked to close my account, and for HSBC to put in an inquiry to clean up their act and put my credit rating back in the high 700s where it was a month ago. This is completly irresponsible of this bank, and I feel that something needs to be done about this. I also have an inquiry into the credit bureaus about this. My credit rating went from a 780 to 670 in one month.