HSBC North America Holdings Inc. Credit Card Complaint

HSBC North America Holdings Inc. Credit card department,

Billing statement New York

I have called customer service numerous times at - on - - and got people in - that lack SERIOUS training. I was on the phone for over an hour spoke to - # - along with his supervisor - - and both of them were not able to explain to me how my monthly payments were being allocated. I am not in the banking business but to me this is very basic information that should be provided to the customer. Furthermore they stated for me to look at my billing statement to obtain the information I was inquiring about, which by the way I did and it is not there! As a customer I have every right to know this information and no one is able to assist me. I proceeded to go to the nearest branch on - - dealt with a - -, Manager thinking I was going to get my answers and once again was forwarded to the same phone number. Furthermore the branch does not deal with any credit card issues!! It is very frustrating and upsetting that I have spent hours trying to get this information and not getting anywhere. I hope this compliant


especially since absolutely no one in this bank can explain how are ALL my monies being allocated. All I want is to pay off this card as they continue to raise my APR more than I think is even legal. I am requesting in writing where I agreed to this the constant APR increase and to make matters worse I want to know why I have - balances with - different APR 's? I have had credit cards for over 20 years and I have never experienced such thing. How are my payments being allocated? Is this business practice even legal. Additionally, when I inquire with the HSBC branch they can not even understand why this is happening to my account, when I ask you customer service people in - they can not even give me a straight answer!! This is VERY BAD BUSINESS!!!! I also spoke to - # - and his supervisor - yesterday at - spent my whole lunch hour and did not achieve anything on - -.