. >> all margaret bruno wanted to do was pay off her credit card fwoil avoid fees. >> i was out of work looking for a job. a very scary time. >> her bank sent automatic payments to hear kt every month for two years. her debt down to $137. suddenly noticing a late fee on her bill she called hsbc. >> charged a late fee but wasn't late. i paid through my bank. >> hsbc said she'd have to sent proof. she obtained the check. hsbc reversed the fee and everything seemed fine except it happened again. >> they're saying they didn't receive the payment. >> again saying she was delinquent. and once again, everything seemed fine until she got the next bill and one after that. >> i had to go through a big deal about proving i paid. and they'd reverse the payments. >> ssbc would call me about 15 times per day and i'd straighten it out. >> finally she paid the last 15s sxdz called hsbc to close this account. >> they apologizeed and said i had a 0 balance at this point. >> however, you guessed it. her next statement said no payment was skefd she owed a $30 late fee. >> i gave up at that point. i couldn'

. >> all margaret bruno wanted to do was pay off her credit card fwoil avoid fees. >> i was out of work job. a very scary time. >> her bank sent automatic payments to hear kt every month for two years. her debt down to $137. suddenly noticing a late fee on her bill she called hsbc. >> charged a late fee but wasn't late. i paid through my bank. >> hsbc said she'd have to sent proof. she obtained the check. hsbc reversed the fee and everything seemed fine except it happened again. >> they're saying they didn't receive the payment. >> again saying she was delinquent. and once again, everything seemed fine until she got the next bill and one after that. >> i had to go through a big deal about proving i paid. and they'd reverse the payments. >> ssbc would call me about 15 times per da and i'd straighten it out. >> finally she paid the last 15s sxdz called hsbc to close this account. >> they apologizeed and said i had a 0 balance at this point. >> however, you guessed it. her next statement said no payment was skefd she owed a $30 late fee. >> i gave up at that point. i couldn't go through th

. >> all margaret bruno within -- wanted to do was to pay off her credit card bill to avoid any more >> i was out of work at the time, looking for a job. it was very frustrating time for me. a very scary time. >> her bank sent automatic payments to her hsbc credit card account every month for two years. her debt was down to just $137 when, suddenly, margaret noticed a late fee on her credit card bill. she called hsbc right away. >> i was charged a late fee but he wasn't paid, i paid and i paid through my bank. >> hsbc said she would have to send proof. took a week to obtain the check. they reversed the late fee and everything seemed fine except it happened again. >> they said they didn't receive my payment and they would charge me a late fee. >> again hsbc said she was delinquent. again, she sent proof of her payment. hsbc reversed the late fee and once again everything seemed fine until she got the next bill. it had a late fee, too. so did the next bill and the one after that. >> so every month i had to go through a big deal about proving that i paid. and then they would reverse the

. >> all margaret bruno wanted to do was pay off her credit card bill to avoid any more fees. >> i wast of work at the time, looking for a job. it was very frustrating time for me. a very scary time. >> her bank sent automatic payments to her hsbc credit card account every month for two years. her debt was down to just $137 when, suddenly, margaret noticed a late fee on her credit card bill. she called hsbc right away. >> i was charged a late fee but i wasn't late, i paid, and i paid through my bank. >> hsbc said she would have to send proof. it took a week to obtain the check. they reversed the late fee and everything seemed fine except it happened again. >> they said they didn't receive my payment and they would charge me a late fee. >> again hsbc said she was delinquent. again, she sent proof of her payment. hsbc reversed the late fee and once again everything seemed fine until she got the next bill. it had a late fee, too. so did the next bill and the one after that. >> so every month i had to go through a big deal about proving that i paid. and then they would reverse the charges

. >> all margaret bruno within today do was pay off her credit card bill to avoid any more fees. >> i out of work at the time, looking for a job. it was very frustrating time for me. a very scary time. >> her bank sent automatic payments to her credit card account every month for two years. her debt was down to just $137 when, suddenly, margaret noticed a late fine her credit card bill. she called hsbc right away. >> i was charged a late fee but he wasn't paid, i paid and i paid through my bank. >> hsbc said she would have to send proof. took a week to obtain the check. they reversed the late fee and everything seem fine except it happened again. >> they said they didn't receive my payment and they would charge me a late fee. >> again they said she was delinquent. again, she sent proof of her payment. hsbc reversed the late fee and once again everything seemed fine until she got the next bill. it had a late fee, too. so did the next bill and the one after that. >> so every month i had to go through a big deal about proving that i paid. and then they would reverse the charges and send