MB in California said: “HSBC makes it impossible to pay loans. Bad online access, phone pay charge, late charge,finance charges on late fee, do not edit address changes, finance charges fluctuate from 9.99-17.80. Calls for late payments are unwarranted and without account information. HSBC insists on overpayment to keep out of collection, if you do overpay it never reflects it on the next statement. It takes 14 days from the date mailed to post payments, late fees scam. Why do my other vendors post pymts with 4-5 days in same state? We bought a Kawasaki in 2006 and the balance is almost the same as the day we got it. This has to be against the law”