Best Buy - HSBC Retail Services HSBC retail services Double charging Late fees! carol stream, Illinois

on 2 different occasions i requested information on why my billing date was in constant fluctuation. I recieved information that it was based off of how many days are in the month. then today, i recieved a call from best buy's collection agent and was told that my minimum payment was 109 dollars. i asked how it could be that much and the rep advised me that it was my minimum payment including a late fee. i asked her then, doesn't my balance already reflect the late fee being added? she then responded, yes it does but we also need the late fee with the minimum payment that is due. i asked her when my due date is, and why i wasn't called when my account was past due the first time and now it's been allowed to roll over to this month, thus reporting on my credit.

i told the rep that i was not happy with the way the company is double charging me for being a day late on a bill that i had already asked to have a fixed due date and told her that i didnt want anymore phone calls on this at all because i feel that this is how they get people trapped in an ongoing cycle of being late. after trying to request a payment by phone for the 109, i told that i was not going to do a payment by phone, and that i would pay the amount that was due online. but i did request a supervisor to better explain the reasoning for charging a late fee twice. there was no other explanation other than that's just what they do as a company.

i was highly surprised, that i am being charged a total of 78 dollars, and expected to pay that upfront in addition to my minimum payment and then also have to pay it back with interest being accrued daily. she said that she would take off the late fee if i did a payment by phone with her, i told her again that i was not going to do that. so she said that she would make a note on the account and let their customer service dept see that i was going to make a payment on oct 9th for 109, but i would have to callback in to get the late fee removed, and even then it was completely guaranteed that i would have it removed because i didnt do that check by phone as they requested. i was on that call for 30 minutes and never really understood why i was charged for being 1 day late on a previous bill, that then rolled over to the next cycle b/c of the late fee rolling over, and then charged another late fee because of their late fee.

it is all ridiculous and terrible customer service that i pay on time every month and because i am 1 day off on a fluctuating cycle, the double charge me and can't explain themselves.