Complaint / review text:
So I opened a credit card with Best Buy which runs through HSBC Bank. They have the worst customer service I have ever dealt with! My situations are very similar to the others posted on this website and it should be looked into! First off, one day, when I got online to check my statement, I had a late fee of $39 but I have never received my statement in the mail. I called them and they claimed that I had signed up for paperless statements when I know that I would never do that because it would make me forget. After arguing for awhile, they would not take off the fee. I then decided that I was going to close my card soon so I called the customer service to cancel the insurance on the TV, to save myself some money. She refused at least 15 times and we had to argue on the phone for about 20 minutes or so before she would cancel my protection.
The next month, I decided to make a payment of $600.00 to pay off my credit card. A few days later, I checked and everything had gone through okay. A couple of days later, I got online again. I had a fee for insufficient funds in my account and a return check fee of $25.00! I knew the money was in my account so I immediately called my bank and they said that HSBC did not try to get a payment at all from my account and that I needed to contact them again, which I did. HSBC was not cooperative and would not take the ISF charge off of my account. My next payment was due the next day and they said that I had to pay an extra $15 to get the payment posted in time to avoid another $39 fee! So I tried to do that, and then they would not take my payment because I had a returned check on it, when I had plenty of money in there to begin with! This is a horrible company and I will never give them my business again. I was informed by my friends and family to do the same!