HSBC Bank Nevada, NA didn't close account after paid off & damaged my credit score Salinas California

(I keep information about this complaint at (((link redacted))))

I closed this account by paying the balance in full as quoted by the customer service rep. (She quoted an amount higher than the current balance, saying that some interest changes hadn't been factored in).

I sent an email to them confirming my request to cancel the account. I received an email confirmation from a HSBC representative. So what happened?

HSBC added $7 to the $0 balance, and when I protested, they added $20 late charge. I have sent these guys 3 certified mails. Here is what I have gathered:

1. They simply do not read their email (negligence as a matter of corporate policy).
2. Their contact/email form has been broken (except for the first time I tried). Incompetence bordering on negligence.
3. They made it next to impossible to obtain a copy of the original legal agreement to know exactly what the agreement is. (Deceptive trade practice).
4. They accepted a counteroffer I made and then refused to admit that they did this. Hey, guys, I have the check as evidence! (dishonesty, deceptive trade practice).
5. They failed to follow the terms of the counteroffer which they agreed to.. (deceptive trade practice).

You may ask, why did I have to resort to send certified mails and counteroffers? The plain fact is that they never responded to a single correspondence of mine; I had no choice.

Now they are ruining my credit report. Every month they award themselves the right to impose a fee of $20. Now it is $120-150. I know they don't have the right to this. And if someone with half a brain were to look over the facts, they would be inclined to agree.

Even when I disputed the blemish on my credit report, instead of rectifying the problem, they again shifted the burden to me. They simply acknowledged that I had disputed the charge and asked me for more paperwork. Wait a minute, I had already provided them more than enough paperwork.

In January I filed a lawsuit against the company, and currently am scheduled to have my day in court in April.

Robert
Houston, Texas
USA

Idiotprogrammer
Houston, Texas
U.S.A.