Complaint / Review
Orchard Bank/HSBC Card Services
Orchard Bank, Household Bank Platinum HSBC added late charges to my bill and resulted in an over the limit fee. Both months the payment was sent over 7 days before due date

In October I received a Notice of Change in Terms from Orchard Bank. It stated that the interest rate / Finance charge could go as high as 29.99% and If I wanted to Opt Out I was to send a written statement to a specific address which I did.
In November I received confirmation of my Opt Out from HSBC. The bill received that month had a late fee of $35.00. I called customer service to dispute the charge and they cannot take off late charges. The bill was due 11/08/09 and the payment was sent 10/30/09.
The December bill came in and another late charge of $35.00 and a over the limit charge of $35.00 were assessed to the account. That payment was sent on 11/21/09 and due on 12/10/09.