I have been an account holder with Direct Merchants (HSBC) since 2004. I have always paid my monies owed on time. On the fifteenth of February this year, I went online to quickly make a payment before departing on a trip to Arkansas. The payment was not due until the eighteenth. Yesterday, upon return home, I went online to check to make sure all of my hurriedly paid payments had posted correctly. All payments had posted correctly. But, to my amazement, shock and anger, the DM/HSBC account summary stated that I was over my... read full review »