HSBC Household Bank The Ripoff Of A Lifetime Lowered Credit Limit by $3,410 & then charged an overlimit fee & raised interest rate New York

I have had this happen with HSBC a number of times.
I had two account with them, or so I thought. When I paid on line I was shocked that my next statement showed up with late payment fee. It turns out the cards were one in my husbands name and one in mine they delayed accepting the payment because they claimed it was not the account holders payment. They wanted $80.00 in fines. They graciously reduced it to $27.00.

Then they sent me another statement with a late/missed payment fee within 11 days. I figured they had not updated my resolution. OHHH no!

They changed my account to a gold account and never closed the old account (all without noticing me) and the payment was put on the new count which had a zero balance. So I had a credit on this new account and no payment on the account I owed on. In turned I was being charged for not making the payment.

They were willing to reduce the fee. I threw a fit. In 64 days of calling I was told they would make an exception
BUT I could not accept for any more favors from them in a year.

Then it happened!
My card was fine and I used it for 3 small purchases.

$38.00 for gas
$17.00 for Mc Donald's
$12.00 at Target.

I got a bill that had a $40.00 over limit fee on each of these three purchases.
That $120.00

I had a $3,000.00 limit as of my last statement.

My limit had been reduced to $340.00 and I had balance of a $354.00. I was charges $40.00 dollar fee, because the credit limited had been lowered to below what I owed.

That's a total of $160.00 in fine incurred before they ever informed me of the new lower limit.
They never claimed to have informed me. In fact when I spoke to a Service rep. (also in India)
They had the nerve to tell me I could have checked my balance online or by phone in order not to go over the limit.
I guess I was at fault in not using me ESP in order to know they were thinking of lowering my limit by near $2,600.00.
I couldn't get anywhere with them.

The best is yet to come.
My interest rate went from about 18% for a whopping 28+%
Why?
Because I had gone over the limit.

So when I went ahead and paid off the account in a tiff I was told my balance was 0.

Oh but them came the next months statement. If showed a charged of $28.43 for the amount incurred in interest before the 8 days they decide to wait to credit my account for my final payment.

I thought I'll call and clear this up.
Yep
I did accrue interest until they decided my payment was cleared.
I asked to have this fee waived since I had been told my balance was 0 after I made the payment when I closed the account.
Yes I did specifically ask I don't you anything else?
That means all charges will stop?
That leaves my balance at zero!??
Well they would waive the fee except they had waived a fee a few months ago when I cashed in my once a year FAVOR!

I have seem pyramid schemes, an make millions at have stuffing envelopes scams with less gall in ripping you off.

By the way I had to pay $16.99 to make they payment by phone rather than risk another over-limit fee if I made it by other means.
Pretty much we date you to play Russian roulette and try to get the payment faster than we can access another fee.

The rep. literally said I could choose pay the $17.00 or Pay $40.00 when the payment is late.

This bank makes Madoff seem ethical.