Complaint / Review
HSBC - Household Bank
Dishonors Due Dates

I've held a credit card account with HouseHold Bank since 2003.

At 8:45am on August I made an instantaneous e-payment on my account on the due date.

I received a warning that if I did not agree to an additional $15 fee, my on-time payment would still be considered a day late.

To avoid a bruise on my credit report, I paid the extortion.

I wrote a polite letter to HouseHold's Customer Service address, requesting the return of my $15. The letter was ignored.

I wrote two online messages.

HouseHold Bank sent a friendly reply, declining to return my $15. My polite follow up message was ignored.

With an interest rate of over 18%, HouseHold Bank has earned well over a thousand of dollars on my account over the years. That was according to our agreement; I don't fault it for that.

I deal with a number of banks; everyone, except HouseHold Bank honor their due dates. This compliant letter only addresses the latest of 4 due date frauds. I should have closed the account the first time.