I've had a BonTon store credit card for 4 years now. I barely use it, and when I do, I always pay it on time. Recently, my BonTon credit card service got bought out and run by HSBC bank. I hate HSBC because I had a MasterCard with one of their companies a few years ago, and they falsely accused me of not making a payment. This false "delinquency" ruined my credit at the time. It took many phone calls and finally a complaint report to the Better Business Bureau, before the bad mark was removed from my credit report. Since then, I've hated HSBC and I was angry to find out that HSBC had bought out both my BonTon AND Boscov's store credit cards.
Earlier this month, I stopped in the BonTon store and paid my credit card payment with cash at one of the cash registers. I do this because it's easier than mailing a check, and because the cash payment posts immediately. I paid this bill 2 days before the required due date. Then today, I got a statement from BonTon and they disacknowledged my payment, plus added a late fee!So now my bill is $76, when it should be $40. I am very angry at this, and this is the SECOND time in less than 2 years that HSBC has screwed me.
I am very upset because I put an obsessively large amount of effort into maintaining my credit. I do not want to pay all these stupid fees. I called HSBC and they were rude and VERY unhelpful, as usual. They told me that I need to find the receipt showing that I made the cash payment, but to be honest I do not know if I even have it still. Part of this is because I've been running around like a madman(busy with many jobs), I've switched purses, and other things. Yeah maybe I should have saved my receipt as I normally do, but it is STILL their fault. THEY'RE the ones getting paid, so THEY should be the ones to research the cash register transactions at that store for that date. I am angry because I feel like this stuff always happens to me, time and time again. If I wanted to get a late fee, I woulda saved myself the $20 and spent it on a nice dinner out, insteada eating cheap eggs and putting the $20 to BonTon. If I want to donate "charity" money, I'd rather donate it to the Cancer Society instead of HSBC's greedy grabby paws. Has anyone else had such an angering experience with HSBC? What should I do? I was so angry today(this occured on top of a few other major annoyances; one was a police report that I filed against someone), that I ripped up my BonTon statement and cursed about it in front of my roommate.


So now my bill is $76, when it should be $40. I am very angry at this, and this is the SECOND time in less than 2 years that HSBC has screwed me.
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