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Report: #489232

Complaint Review: HSBC Credit through Best Buy - Internet

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  • Reported By: Jennifer — Texas USA
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  • HSBC Credit through Best Buy hrsaccount.com/bestbuy Internet United States of America

HSBC Credit through Best Buy HSBC charged late fees on an account that was not late. Refused to remove charges. Internet

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I have a Best Buy credit card through HSBC. My payment due date is the 28th of each month. I noticed that I had a late payment fee listed on my account, though I'd made a payment on 8/5. I called the company and spoke to a woman who first told me outright that my payment was late. I mentioned that I had two payments listed, one for 7/6 and one for 8/5, at which point she informed me that my cycle begins on the 6th of every month, so the payment I made just went to principle.


I asked for a manager and she told me that she could credit me $11 of that fee. I pressed and she said that she could credit 50% of the fee, $19. I insisted.


The supervisor she transfered me to was curt and impolite. She told me that I have no credit history with them so they would do no more than take off half of the late payment fee - in fact, that I have three payments with them and that one of those payments is late (despite being paid on the 5th?), so I'm in poor standing. She actually insisted in a rather accusatory tone that 33% of my payments are late. At which point I told her to just credit me the half.


The supervisor made it quite clear that this was my fault for not being aware of a date or policy that I was never informed of, and for not calling on the 5th to let them know that I was paying early. I looked through my statements and my email and I have no record of the 5th as the start of the cycle.


Cancelling the card. I have never been with a credit card company that ends the billing cycle ten days after payment is due. Nor was I satisfied with my customer service experience. The first woman was very polite and almost apologetic, but there is no excuse for that supervisor.

This report was posted on Ripoff Report on 09/02/2009 08:46 PM and is a permanent record located here: https://www.ripoffreport.com/reports/hsbc-credit-through-best-buy/internet/hsbc-credit-through-best-buy-hsbc-charged-late-fees-on-an-account-that-was-not-late-refu-489232. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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