HSBC Retail Services HSCB, Best Buy, HSBC Retail Services Late Fees asscessed when paying earlier than their specified date, charge debt cancelation when canceled months earlier, rude customer service managers City OF INDUSTRY, California

Valued Customer? Try paying them early and over the amount due! I haven't used my card in over 9 months, have paid every month, sometimes twice a month and always about $20 more each month than is due. Yet my balance has only gone down a few dollars since I last used my credit card.

I have called several times to try to figure this out. They tell me that it is due to late fees and other fees, like debt cancellation fee that I called to cancel over 3 months ago. They obviously don't keep notes as I have to repeat each time I call. In fact, one rude manager had the nerve to tell me that if I "would have called months ago when you first noticed the problem" they could have done something sooner. I told her I had and in fact have been calling just about every month to try to resolve this issue.

When I called today, I pleasantly asked the Customer Service Rep if I could speak to her manager because I was upset and did not want to take it out on her as I knew it was not her fault. I was transferred to a very rude supervisor who spoke over me constantly, raised her voice and had me so upset I demanded to speak with her manager. The second person was a little easier to speak with but not much and would not even try to understand my frustration.

After I swore to her that I would never buy from Best Buy again, she let me know that they had nothing to do with the store and by the time I hung up, I was extremely upset and did not know what to do. I finally called back and somehow reached a man named Prasand (sp?) who was very calming, asked me to be positive and said he would work with me for a positive experience and said he could see where I had canceled my debt cancellation 3 months ago.

I hope I never have to deal with this company again! Apparently it is a bad thing to over pay a bill and to do it early. I felt penalized for doing so.