Ridiculous Fees, Terrible Customer Service

I wish I could give them no stars.  Here are the problems I've had with HSBC:

While I was told no minimum balance was needed in my checking account, I was charged $8 per month as an inactivity fee.

Overdrafted 4 transactions totalling less than $20.  Recieved 4 overdraft fees, each for $35, for a grand total of $140.  After meeting with a representative at the bank, they refunded one fee, so I still owed $105 in overdraft fees for overdrafting less than $20.

Recieved a phone call from their fraud prevention line.  I had no way to confirm that the person on the line was HSBC, so I told them I would hand up and call the number on the back of my card.  The person I got told me there were no problems with my card, and the phone call must have been fake.  Turns out, it wasn't - my card number had been compromised online.  How can they not have this internal communication down?

I have yet to call customer service and not wait at least 15 minutes for a representative, and even up to 40 minutes.  When being helped, they will often put you on hold to check something with your account, and often for up to 5 minutes in the middle of helping you.  Terrible customer service.

I am now banking with ING Direct, and I am a much happier customer.