HSBC Holdings
Reviews and Complaints

I purchased furniture from United Furniture last year, on a 12th month no interest plan. At the point of sale, the month and day were entered incorrectly making the payment date February 6, 2012 instead of June 2, 2013. I have spoken with the store manager who sold the furniture and he has changed the dates in the computer (Brandon Daiken) @ the Brick/United Furniture in Peterborough and he had apologized for the situation. I did all the leg work for HSBC to rectify this situation and still received harassing phone calls after the problem was rectified. I had to provide HSBC with the contact info (REALLY) and they are still calling 5 times a day. I want this situation looked into immediately. Call the Store and speak to the manager name and company provided (You can look the number up yourself). I will not make a payment until it is due

I have been getting phone calls from hsbc since June 25 2011till present. They have me "hold" when i answer the phone. Rude if you ask me. They ask for my wife, i say she not available, they hang up not telling me who they are or who they work for. I asked during one of these calls who they work for. Immigrant worker by the way. I find out hsbc and he can't give me the nature of the call. Everyday i get a call from one of their numbers. I work nights and told numerous reps from their call center so, and that they are disturbing my nap. I got a call again this morning after working a night shift and just falling asleep. I also have three kids that I must care for after work. So i try to nap till they wake up. No dice, phone call from who...hsbc call center. Give rep a piece of my mind...he hangs up. Call back the number cannot complete the call... Call hsbc 1-800 number in the phone book ask to speak to a supervisor...put on hold for ten minutes. I tell the supervisor my situation. She says she is sorry, but the calls will keep coming till they get a hold of my wife because they can't give me information on what the call is regarding.. I told her the calls had better stop, because their is harrasment laws in Canada, by this time I am furious and starting to use profanities with her while telling her to stop the calls. She says there is nothing she can do and recommends telling my wife to call them back. Like I said we have 3 kids and no time for this BS. I work nights and nap any chance i get because i have to stay awake with 3 kids till my wife finishes work when she resumes care of our kids and takes them out to visit with family or friends while i try to get some sleep. HSBC calls again...no more nap for this guy... The problem is they call everyday twice a day and my wife is not home to take the call. Very distressing for me because i get no sleep before i go to work. Hopefully the calls will stop. Gave my wife hell because of their antics and she is going to call on her "BREAK" while at work. Probably be on hold for most of her 15 minute break to speak to a rep. Well we'll see what happens next.

First thing first, Yes i Have a debt with HSBC. Incurred from a previous mortgage, and a husband that was diagnosed with cancer and is unable to work. I have consulted with the local Citizens Advice Bureau who have taken on my case in regards to settling my debts, and getting them paid off.

A letter was sent by the CAB to the bank explaining that I couldn't afford a full payment each month and explained what I could pay. The CAB even sent a record of my income and outgoings, which clearly show that I cannot afford to pay any more than was offered.

My house is on the market, so when sold I should be able to pay off all my debts, but alas with the economy how it is at the moment, it's taking a long time!

About 2 months ago I started receiving phone calls from an 0800 number and when i picked up no one would answer on the other end. after about a week of silent calls the frequency off them upped to about 6/7 times a day on the house phone. If we didn't pick up the house phone they'd phone my mobile number.

So for about 2 months I have been receiving about 10 calls a day total, and each time I tell them of my situation and there's nothing more i can physically do at the moment, and within 10 minutes they're on the phone again, completely unaware that I'd even spoken to them 10 minutes ago.

Basically, would this be classed as harassment and is there anything i can do about getting them to stop calling.

I have a credit card through HSBC and I am over my limit, but I am not late on my payments. I receive 18+ calls a day, 7 days a week from this company. The calls always come in two's. Meaning they call, I don't answer and they call right back. This is happening two times every hour from 8am until 8pm. This is harrassment! Especially considering I am NOT LATE on my payments. I have everything documented and my cell phone records to show for it. Oh yeah, they are calling my cell phone! I want these calls to stop and when I discussed it with HSBC, they tell me there is nothing I can do. Can someone help?

I have a car loan through HSBC and it has been the worst experience dealing with a financial company in my life. Their "call centre" is a joke. All I need is the balance of my car loan and when the last payment will be. 5 years is up soon. They switched around their auto finance dept a few years ago and now my account # doesn't exist anymore. They told me my loan was tranfered to Scotia Bank, which it wasn't. They transfer me from one toll free number to another just to be put on hold again for 20 mins, then be told they can't help me. HSBC has automatic withdrawl from my account. They take the money out every month & yet they tell me my account does not exist and I can't get any information from them! I feel like I'm dealing with organized crime or something. I wouldn't be surprised if they keep taking payments out of my account after the loan is paid off. Guess I'll have to close my account to get their attention. But, hey, they have no record of my loan so I guess it doesn't exist. I will Never Ever deal with HSBC again!

there are no human rights in Hong Kong, head office of hsbc...

my experience is there are no human rights in hong kong

A sure fire way to make the calls stop is to have your deadbeat wife pay her bills. Glad to know ###s populate the world not just the US.

I would call it harassment. We have a few credit cards that run through HSBC, and if we so much as miss the payment day by 1 day, they start calling. Half the time, if I pick up the phone, there is a recorded message telling me "that my call is important to them, and for me to stay on the line as it would be faster than hanging up and dialing again."

Ok, wtf? I never called them, they always call me.

[protected]

That if we pick up the phone and there is no one there, and we hang up, they call right back. Sometimes like you said up to and over 10 times per day, even if we have spoken to a CSR. They even phone if I have made a payment, and then they want more...cause they can't be too sure that i did make the payment even if I give them a reference number. So, yes what you are experiencing is harassment. They suck large.

To say I am out raged is an understatement. I received 14 calls a day.. not 1 or 2 but 14! They do not leave any messages and call from a private number! Needless to say the phone calls started at 7:30 a.m. until 10:30 p.m. These phone calls were to say that I insufficient funds and owed the bank over $100. You would think it was 1million dollars. After a 46 minute phone call (21 mins on hold) I was told that I do not owe them any money at all. I checked with each department to make sure this was true. We will see if it is soon enough. If you are looking for a relationship with this bank all you will get out of it is a headache. Many customer service reps are nasty and disrespectful. I recommend you taking your business elsewhere, I am now. Also, HSBC stands for "Hi Sorry Bank Closed"... the bank is NEVER open... and forget about going during lunch time.. they have one teller working between 12pm-1pm.. don't believe me.. go see for yourself, then run away.

surely...even my sister is getting calls...its tottaly ###ed up now... they will be soon in danger if the calls dont stop! any solutions to it?

I am not nor have I ever been a customer of HSBC, yet they call me several times during each day beginning at 08:00AM and ending by 10:00PM. It does not matter that I tell them that the person they are asking for does not live at this house and to stop calling me. I just retired and moved to this location and simply wish that I could enjoy my retirement without all of the constant interuptions.

This is totally correct. HSBC will ignore your demands to stop calling, and will never leave a message on the machine. I have seen several numbers, most often [protected]. I went online and took my home and work phone numbers off of the account and put on my side business phone number, which is on a machine all day and does not ring audibly. i did this today; we'll see if this stops the harassment. I get calls even after a payment is made; they start on the due date, even if the payment is made online and I can see it on the screen.

I have also read that FDIC collection practices specifically prohibit this kind of harassment. I don't know if there are liquidated damages available under that law / regulation, but if there are, there has to be an attorney somewhere who's willing to file a class action lawsuit!

I'm getting a half dozen calls a day, for 5 days running. I am not a customer of theirs, it is a wrong number. I confirmed this to them on their second call, yet they called back within 30 minutes and repeatedly asked for someone who doesn't live here and I don't know. Each CSR claims to have "completely removed my number from their systems".

I too am having the same problem with my cell phone. About five days ago HSBC has started calling at about the same time every day. I have made several attempts to get them to stop calling. I have had this cell number for several years and I have just started receiving these calls. The number they are calling from is [protected]. If you call the number you are greeted by an automated machine that indicates that they are with HSBC. Also if you Google the number you get a hit for a HSBC website.

I would greatly appreciate it if someone could post a solution to this problem.

I am in the same boat. They call my husbands phone a ridiculous amount of times from the 1st to the 15th of the month. A lot of times it will be at least 10 calls in 1 day in half hour intervals. I finally answered the call just to complain and talked to some woman that sounded like she was in India. I had also checked my bank statement online and it said the payment was taken out of my account on the 5th of the month. I have NEVER had a late payment.. yet they still proceed to harass me. I said.. "Well, there IS a 15 day grace period, I don't think I should get a call until the 15th day if the payment hasn't posted." She says " Well, are you aware that's it's already the 12th?" NO DUH LADY!

Yeesh, this company makes me mad. Being a first time homeowner I'm new to this, but I can't take this company and I want out of their clutches! If anyone has any good advice on a way to get them to stop calling me that would be GREATLY APPRECIATED!

My Name - Dhananajay Tiwari

I took a PL from HDFC bank, of Rs. 1, 50, 000, and now i wanted to preclose the PL, the Bank is refusing my Request, I am also ready to pay 1 year interest or penalty, still they are not accepting my request.

Kindly help me, regarding the policy / law for this

My contact details [protected].

Reading this post let me share my experience. I had taken a personal loan from citibank. I had a quite quick response from them when I applied and even the processing went on with out any trouble. Later when I too wanted to pre-close the loan, I went online and found that the process is outlined very thoroughly. I too had to give a month's notice to the bank, but that is clearly mentioned on the site. And then all the procedures were completed in the month (although they tried hard to make me take an additional loan). I stated my intention to them by 20th of the month and the process was over mid next month.

HSBC took over my Suzuki account and now i get late fees all the time. i usually send the payment out the friday after i get it that is what i did before they took over and for some reason it is late so than i started sending the payment before i got my statement and omg the check would clear before the date showing 2 payments on 1 bill i send the check the day it says and it takes them 10 days or more for it to go through giving me late fees than i send it 3 days before it is due and it cashes in 4 days giving me late fees i call they say they cant help its the post office so i sent 1 delivery confirmation and for some reason the post office got it there in 2 days and i got no fees i work for the post office and it is not them u should be able to send the check out 5 days before and it should get there in time this is the only company that i have a problem getting payments to on time why is that out of at least 15 different bills i pay by mail is this one having such a problem!

We have paid on our Best Buy card on time for the last 2 years. They keep charging us fees after fees. Late fees after late fees. When we ask them why they say we didnt pay on time but on our bill it says that we paid on time but there is still a fee applied.

Then about 4 months ago we get a call from a collections agency! I was like WTH! He said that HSBC had placed out account with them because we are not making on time payments. Um...YES we are! It says it on our bill! The guy was really rude to us. We are being harrassed by them now and have had to hire a lawyer. It's a mess.

NEVER EVER get a best buy card or anything that goes through HSBC.

i have sofa from tham that iam paying on and my blance never change ever time i call thay spoke to me so bad thay call me at night and sunday early in the morning late at night idont know what to do

This company took over for GM Cards and everything I have read is correct. It seem no matter how hard you try to pay on time they will find a way to make it late. I went to online bill pay and went to pay it the day before it was due and said it would be credited late. So I had to pay extra 15 to have it credited on time. Then I reviewed statement it still shows it was late, but then they credited the charge back but they still charge it against you. This is the only company that has ever been a problem for me. Calling and writing them get you no where.

Yea well I just sold my bike and got scammed and I think they are in on it. I did a check by phone with the guy I sold my bike too and they told me it went threw and I had a zero balance. Well then the next day as I am driving to delever my bike to the guy I call and it still says zero all the way up till today and now it says I have a $7000 balance. And now i cant find the guy. So does anyone know what i can do?

I personally dont have a credit card with HSBC but I see why Matthew is upset as a consumer myself, however you must remember even if you pay $500 on a $5000 balance every month and your pymt due was only $100 that doesn't give you the right to deduct the amount if you so chose for your next payment even if you feel that the late fee or any other fees are not legitimate. If you are ever having a problem with making pymts with a company and you "feel" they are holding your payments, get setup on an autopay with that company or your personal bank, you must remember it's always a choice to use a credit card and don't forget these companies are banks and they are here to make money, and this is a loan just as your house payment is I do have other CC but I always remember they are banks and if I slip up once they will nail me, so if you chose to have a CC you have to take it upon yourself to make sure your pymts are rcvd timely b/c the postal service makes many errors, I know I work there.

I totally agree... this company needs to vanish!

I had a Rhodes account with HSBC that I paid in full and closed in Feb of 2007. In June of 2007 HSBC decided to erroneously report to the credit reporting agencies that my account was past due. They have yet to correct their mistake and I am at risk of having the financing of my new home fall through if I am not able to get them to confess in writing to their mistake! I have spoken to supervisor after supervisor all to no avail. I am at my wits end with these people... CREDIT IS SLAVERY! and don't let anyone tell you any different! You buy your way out, they let you think you are free for just long enough to let your guard down, then they kidnap you the next state over, steal your "free papers", sell you back into the system and the burden becomes YOURS to prove that you were once free...

I don't want to complain about anything i rather want to appreciate the service that HSBC has given me. I am impressed by the service rendered by one of the sales manager of HSBC Mr. Bobby Francis. He had been very kind and soft enough to handle my case though the loan was delayed but still he made every effort to keep me updated of the status from time to time.

I have availed of a personal loan from your bank amounting to Rs. 2,00,000/- in the month of February from the Bund Garden branch, Pune. For availing this service, the contact person was Mr. Niresh Patel (Mobile no.: [protected]).

For repaying the loan amount, I have submitted a document stamped by CitiBank-East Street, Pune from where the ECS will be carried out. HSBC had requested me for providing the payment option as ECS debit.

In spite of having the funds in this account before 10 March, which is the first EMI, HSBC has not withdrawn the amount from my account. An associate of HSBC from the Collection department namely, Mr. Sachin (Mobile no. [protected]) had come over to my residence for recovering the same. This Mr. Sachin informed me that there is some internal problem the bank has regarding the ECS facility. I got the same reply from Mr. Niresh Patel (Mobile no.: [protected])..

I would like to know why was this not communicated to me when I availed of the loan and why ECS debit was suggested in the first place. Since I have the requisite funds in my account, I am willing to repay the loan in whichever mode you prefer. However instead of suggesting how I should repay the amount, the HSBC recovery persons are harassing me and my family.

I don't appreciate the fact that HSBC Collection associates came to my residence and called me when the problem lies with HSBC.

I am extremely unhappy with the way HSBC associates have handled this issue.

I have applied for Personal Loan of 2 Lacs through the HSBC bank. File has been filed by the DSA with the given address below.

Effort Marketing.
B1/A12 . Mohan Cooprative. New Sagar Ratna, NTPC.
Phone- +[protected]
+[protected]

The final contract was signed 15 days and I have already received an intimation of the final approval. They are saying that the Pay Order is being dispatched. But It already Fifteen day that I have not received it. I have given many call to the office, but they cut the phone whenever I called up. They are ruining my life.

I have heard this many times and I have the same answer. If you have a credit card or any other loan, you know that there is a payment due every month.

It makes no difference if you receive a statement or not, you know if you don't make a payment it will of course effect your credit report and will also result in late fees.

If you want to dispute charges, fine, but still make the payment that you know will be due.

Well how do you know what to pay without a statement? Not making a payment because you did not receive a statement is an excuse for "passing the buck" on your responsibilities. Even if it is the first payment! It is your credit, be accountable.

HSBC is wrong for not sending you statements but you should have handled it by paying then disputing...you tried to make a point to them but hurt your credit in the process.

I am also facing the same problem. Did anyone have settlement from HSBC credit card anytime?

Please e-mail following duplicate credit cards monthly statements for the month of September 2008 to Oct, 2008. at the earliest.

credit card nos. [protected] and [protected]

Hi my name is tony boylan from Dublin Ireland i need some information on who is the manufactures of your hand outs at rugby matchs ie the goodie bags with caps stickers bags for the waratahs

if at any time you want to visit Ireland call me or return the favour please call me [protected] ireland

You guys are ridiculous. you won't call to see why you haven't received a statement? You can call you know? There's customer service, people are being paid, good money, to answer your questions. You can call, ask for your amount due and the due date. sometimes mail is returned if they have the wrong address on file. What happened to being responsible..? You're all so grown up when you apply for the cards or loans but you can't get your ### straight and get on top of your own things?

August 2007 credit card statement was not received. Based on spent estimate, Rs.34,000/- was paid as exact outstanding information was not sent by the bank throught the monthly statement. It is a regular feature for not getting the monthly statement and any number of calls made to call centres has a stock reply that within the next four working days, the statement will be sent. It has become wastage of a customer's time by calling the call centres on a repeated basis and no worthwhile result is coming out. To my surprise, on going through the Sep 2007 E- statement, finance charges of Rs.886.37 plus service tax of Rs.109.56, totalling Rs.995.93 has been charged for an amount balance remaining of Rs.1439.98.
If the Aug statement had been received, 100 % of the outstanding would have been paid as can be seen from the past payment practice. In trying to call up the senior people, not one is responding and declaring for himself/herself as not responsible for answering.The call centre gives standard answers and no managerial decision is taken. The customers are made to suffer for the banks own fault. Where on earth is a system that charges Rs.995.93 as finance charges for RS.1439.98 kept pending beyond due date which is 69.16 % interest for one month or 829.95% per annum. The bank is advised to withdraw the unreasonable finance charges levied which is totally due to insufficient information from the bank in not sending the monthly statement.

Got a computer at best buy for 600 dollars. My dad who has perfect credit and many holdings co signed. I have bad credit but was given 4000 dollar limit. I put the computer and 300 in merch on the card. Then i withdrew 400 in cash and they zapped the limit down to 36 dollars shy of my balance.No word about not being able to cash withdraw or a limit. Was gonna pay the computer and balance in 2 months. They left me hanging with a 200 bar tab at abiker bar. My first bill wasn't even sent was due in 60 days. They told me even if i paid all balance in cash it would be 6 months before they would "review" re instating my previous limit...they are ###ed...they had my dads cosign for gods sake! I will pay them them minimum forever...or maybe ill just take the computer back after i pee in it!and the credit hit.

I am holding a credit card of HSBC from last 8-months, from the last eight months i am complaining via e-mails and phone calls to their CC to send the bills. But till dt.03/09/07 i haven't received any of my bills.

After speaking to their manager the problem remains the same.

Then after all my efforts i decide to cancel my account on dt.12/08/07 and i was committed that i am going to receive call with in 3-4 days, but till 23/08 i haven't received any calls.

Then i called up on dt.23/08 at 1604HRS and spoken to mr. Kavel then he committed me that iam going to receive call in next 2-3 days and when i asked for the last request, the response i got that it is in process and i asked i want to speak to some senior person, he puts me on hold for 15-mins and finally he disconnected the call.

Again i called at 1627HRS and spoken to ankita, i asked for the reason why he disconnected the call? and why i haven't receive any retention call? she gave me a complain no.[protected].

So can anybody suggest me what to do...?

I had 2 credit cards with HSBC. One was just a Mastercard which they closed last year stating due to the amount of credit that I had. I think they are full of it - I hadn't used it in over a year and I think that is why they closed it. And by their actions they confirmed this, because I also had the Best Buy Reward Zone Card which they just recently lowered the credit line stating the same reason, yet I hadn't used it in over 2 years - I was paying it off monthly on a special same as cash, but didn't charge much on it.

And than when my last statement came in they charged me interest on the same as cash, even though the payment was there a week before the final date. I called them and they said that this would be removed. We'll see...

I am currently still trying to resolve the not posting payment then it was returned so they could say i didn't pay now hsbc sold the account and collectors want over 1.000.00 dollars on a card with only 200.00 credit limit! Yes it was one of those get a visa and they sent me a master card with ridiculously high interest after i started using the card! and i couldn't even read the small print because it was fuzzy!

I have a 600.00$ creditcard debt from HSBC bank on my credit report that was'nt my. In year 2005 it has stated I had opened an account, at the time I was only 15 years old. If you would please contact me by email on what I can do as far as getting this disputed off my report, or if you have any information about this.

Hello,

I got HSBC card. First month i did not receive any bill. When there executive called me and informed that there is some due and requested me to make minimum payment. I made minimum payment and when i received my bill. they charged me with 300Rs. late fine and EMI charges. As per High Court order bank can not charge for late fine if user did not receive any bill.

When i call in HSBC customer care there refused to reverse and told me to make all payment first then only they will block/close my credit card. Then after waiting for 1-2 months I destroyed the card and made all pending payment Excluding late fine charges. They keep on charging my expired credit card and till now it is 500. History by HSBC is as below(provided by HSBC on email). Even HSBC executive calls me and saying that will get money from me and they will send the police. Please suggest what should i do?

Statement Date Outstanding Payment

4-July-06 3658.00 No Payment received
4-Aug-06 4236.68 500.00
4-Sep-06 3864.96 No Payment received
4-Oct-06 4384.01 No Payment received
4-Nov-06 4924.79 3000.00
4-Dec-06 2017.04 No Payment received
4-Jan-07 2477.94 No Payment received
04-Feb-07 2951.71 No Payment received
04-Mar-07 2646.70 No Payment received
04-Apr-07 3131.73 No Payment received
04-May-07 3626.84 No Payment received
04-Jun-07 3823.35 No Payment received

Regards
MANISH
[protected]

I have booked an e-ticket through my HSBC Credit card. Since I am not able to print the e-ticket, I wish to stop the credit card Transactions.

TATA AIG people collected Rs.12,792.9 without my consent. How it is possible. Is HSBC people supporting it...

I am a normal Indian man having a monthly income nearly Rs.9000 . I am using credit card normally for paying my mobile bills.

I am going to file a case against both of them for unauthorized usage of my credit card account.

Hello Friends,

Absolutely right. Tata Aig in association with HSBC Credit Card is cheating.

I have taken tata-aig maharaksha policy last year with a annual premium of about rs 15000 which expired on 3/4 th March. I got a call from tata-aig regarding renewal of the policy which I did not want at all, so told him not to renew. His executive told me that just renew your policy and get it canceled within 14 days, we will refund all the amount we charge from your hsbc credit card and for cancellation of the policy you just have to sms with your policy number to 58888 and we will refund entire amount to your credit card.
So they have renewed my policy with annual premium of rs 30000 this time.

I have sent him sms 4 times on different days within 14 days but they did not cancel my policy.
Then I contact with tata-aig customer care who says I can cancel your policy after deducting 25% (why? - even I contacted customer care within 14 days - they says there is no lookup period for renewal of policy).

I have contacted hsbc bank customer care regarding same, but they are even not ready to listen my problem, They says just talk to tata-aig, if tata-aig refunds it will automatically reflected into your credit card a/c.

This is not the end of story, HSBC bank has automatically converted this policy premium amount of rs 30000 into emi without my consent, A step ahead of Tata-aig in the process of cheating.

Overall, Its my suggestion that never take any policy from TATA-AIG using your HSBC bank Credit Card as both are very good business partner and never miss a chance to cheat you and beware of his cheating.

If HSBC has anything to do with it... it's a Scam!

Few month back , I got a call from HSBC customer care regarding opening insurance by third party Tata-AIG and monthly charges will be Rs. 300/- but I strictly said no but he said for two months its Rs. 10/- per month, so after second month you can close this policy and I did as a customer executive said. Second month I requested to close this policy. But third month I got another Bill again I asked for this what is this to customer care executive then I came to know that my Tata AIG policy yet not been closed and he again requested to request for close and whatever charges you are getting in your credit card bill will be reverted back but still I am getting bill every with new charges of late payment. This HSBC service is so pathetic, they got new way to cheat the customers.

Now my bill is Rs. 2015/- without purchasing any thing on HSBC credit card. Again when I called up to customer care then he said there is no any policy of HSBC to revert back all the charges after cancellation on TATA AIG policy. These people are liers what they will say and what they will do they don't know.

The worst banking service provides in UAE, No one is responsible $$$$&****#$%$$$$ no words to describe. They only know give false commitment.

I am so disgusted with HSBC AE service, they have shamed the good name of my country bank!

The inefficient service, the poor English command at their outsource India Call center, where no one is equipped or willing to do anything. just like human-robot...

AWFUL AWFUL AWFUL...

HSBC UAE is charging me 100 AED per account to close current accounts I am not using. Noone told me about account closure fees when I was opening them. And I thought Premier banking had advantages in fees.
They are telling me that accounts should stay open for at least a year before you can close them for free.

Correction any business dealing with consumers. can be filed against and asked to work thru the American Arbitration Association can be contacted and request them to cooperate. if the business doesn't that is feul and ammo for your case that they aren't in customer service and don't care. It will prove they disregard Federal law and consumer law.

No mater what they sell or do, any merchant and mom or pops store.. they all can be worked thru the system of the AAA.

I forgot to add this.. link

Credit cards, auto loans any business in consumer lending can be taken down!

Read my article i hope it motivates. File any account owed with the American Arbitration Association in your state. They can take HSBC ability to operate in the United States.

This company has called me numerous times about payment since the reposed the vehicle. The collection agency called me and the i do it who talked to me tried to collect the debt by calling me every name in the book and insulting my military career and my time in the service saying I was a disgrace to the Marine Corps the Country and that I wasn't a fit human being and degraded the American military in general. I have made a formal complaint with the Attornay Generals office here. This company is a British owned company and the head of the company has make the statement that how is runs his company is his business and he is not afraid of the FBI, Attorney Generals American Courts, etc. and he will continue to operate as he pleases in our country and there is nothing they can do about it. In general this company is ripping off Americans feels it can say and do as it pleases and get away with it. I can say this they will regret ever making bad remarks about my military service and the American military.