Orchard Bank/hsbc
They held my payment when it was paid on time because i sent my statement & check in same enevelope with boyfriend's statment & payment. Their associate confirmed that both payments were received before the 1st
They are now trying to make me pay almost $500.00 when my credit limit was only $300. I sent all my receipts to the credit bureaus and to them proving my payments and payoff. They are still pursuing it and i will not pay them another dime. ...