I paid off my credit card balance with Younkers in Sept. 08 and HSBC services has been charging me a $30 a month late fee every month since. I have charged nothing since Sept. and I do not owe any late fees but despite phone calls and letters to the company I get no where. When I called they were rude and I got the run around. Every month they add another late fee on top of the previous late fee and are charging interest on the late fees. Can they legally do this? This is also effecting my credit score. After seeing all the complaints about this company isn't there something we could do to them. They should be put out of business. read full review »