Best way is to look closely at your statement. There should be an address for all inquiries regarding the account. Send a certified letter outlining your complaint & KEEP A COPY!!!!!!! When they don't fix it you have laid the groundwork for all kinds of goodies like treble damages and attorney fees depending on your state and the particular statute. Phone calls do you no good. Forget the AG get a consumer lawyer who knows the statutes and he will make them bleed from their ears-Ask me how I know this-it's one of my favourite things to do
Be warned howeve most have an arbitration clause in the fine print. As of right now the US Fifth Circuit ruled against them on the arbitration issue and allowed the consumer to sue in court, but the Court pulled the opinion and granted an en banc rehearing on their own motion-very unusual-Either way it goes, I would guess it will wind up at the Supreme Court. I suspect that given the composition of the en banc fifth, they will probably reverse the three judge panel and rule in favor of the card company, but who knows??? In any event, I would think the Supremes will take it when it's time.
Oh and Marshal, I have no love lost for HSBC-Had a card with a 5k limit that I hadn't used in a while and those so and so's decided that they were going to chop my limit to $300
Apparently if you don't carry a balance or use your card, they don't want you. And there was nothing I could do about it.