HSBC Bank is the worst company to issue credit cards. I had one fo their cards back in high school (im a junior in college) and paid it off, they're were charges that i was disputing when the account was opened. Later i found out the was a balance 5 years later! I found this out through the collection agency that contacted me on out emergency line at work! I thought someone in my family died so i rushed to the phone only to find out that the person on the other line had no current info on myself and didn't have the correct last name! The social and personal info was correct and the rep on the other line told me that if i didn't wire transfer money to that company within that day that the local police were going to be sent to my workplace to have me arrested for non payment of this debt. I work for JPMorgan Chase and i know my rights as a consumer. The Fair Debt Collections Act clearly states that the THIRD PARTY COLLECTION AGENCY is breaking the law in harassing me at work and when i get home they still continue to contact well after 9pm. I've notified them in writing to stop contacting me and that still has not been enough. Im currently working with the BBB, Federal Trade Comission, Attorney General and an attorney to bring this company down to end the nightmare with both companies.
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