[Resolved]  HSBC — False statement

Address:

Ahmedabad, Gujarat

I have been communicating with HSBC since 1 month and every 5th day they mail for another 5 working days to resolve my issue.
Below is my entire data alongwith communication made with HSBC on Mail :
HSBC hav issued 2cards in my name one which i have been using since 2006 & 1 which I hv never used and hv been receiving the statments.
Nw when i went for the Home loan I came to know that they hv givin my name in CIBIL.
I'm surprised when HSBC himself is not confident about my credit hw come my current credit card is working. ANd by their such action I have been in to lot of pressure as I have already paid mybuilder a partial amount...

It is really disgustting, irritating & pathetic for such an MNC bank...

Kindly advice what should I do next to get the loan.


"E-mail COMMUNICATION Made with HSBC" :

----- Original Message -----
From: "kaushik Patel"
To: "HSBC INDIA NET" <[protected]@hsbc.co.in>
Sent: Monday, May 17, 2010 1:08 PM
Subject: Re: Your HSBC Credit Card****9327 (KMM7393520I123L0KM)

Are you guys playing with me..

Thinking I'm Fool just keep waiting for your reply asking to wait for another 5days.

It is a limit because I have been communicating since last 1 months and your 5 workign days have never came to resolve my issue.

I care a damn, wan't my name immediately removed from CIBIL.

You guys have alraedy mentally harrassed & tourtured me..

Need to take strict action or need to complaint further in consumer court with compensation for the harassment & irresponsible copy paste replys of HSBC.

Need the solution by today evening.

Below is the entire communication made with HSBC since 16th April'10

rgds

Kaushik

----- Original Message -----
From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
To: "kaushik Patel"
Sent: Monday, May 17, 2010 9:56 AM
Subject: Your HSBC Credit Card****9327 (KMM7393520I123L0KM)


> Dear Mr. Patel,
>
> Reference Number [protected]
>
> We refer to your Email dated 15 May 2010 regarding your HSBC Credit
> Card.
>
> We apologize for the inconvenience caused.
>
> We have registered your complain under the reference number [protected]
> and we shall revert to you within five working days with the status of
> the same.
>
> Please feel free to write to us for further clarification.
>
> Yours sincerely,
>
> Rashi Arora
> Customer Service Executive
> The Hong Kong and Shanghai Banking Corporation Limited
>

----- Original Message -----
From: "kaushik Patel"
To: "HSBC INDIA NET" <[protected]@hsbc.co.in>
Sent: Saturday, May 15, 2010 4:32 PM
Subject: Re: Your HSBC Credit Card****9327 (KMM7392792I123L0KM)


> How can I register for Internet Banking when I don't have the credit card
> neither its pin no.??
>
> That too after communicating for 1 month you are giving me this reply..
>
> I just wan't my account to be clear and I don't think anything confeidential
> is left now after so much long conversation.
>
> You can communicate on this mail id I don't have any issue...
>
> So,clear the account and intimate the CIBIL..on TOP PRIORITY because you
> guys have already wasted my too much time..
>
>
>
>
> ----- Original Message -----
> From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
> To: "kaushik Patel"
> Sent: Saturday, May 15, 2010 12:28 PM
> Subject: Re: Your HSBC Credit Card****9327 (KMM7392792I123L0KM)
>
>
>> Dear Customer,
>>
>> We thank you for writing to us and acknowledge the receipt of your
>> email. You will receive a reply from us shortly.
>>
>> Please note that no account related confidential information will be
>> shared to your personal email address.
>> Hence, request you to register yourself to Internet Banking.
>>
>> Detailed information on how to register yourself to Internet Banking is
>> available at
>> http://www.hsbc.co.in/1/2/personal/internet-and-self-service-banking/int
>> ernet-banking
>>
>> For urgent queries please contact our Phone Banking. A complete list of
>> our Phone Banking numbers is available at
>> http://www.hsbc.co.in/1/2/miscellaneous/call-us
>>
>> For reporting loss of card, please contact our Phone Banking
>> immediately.
>> HSBC will not be liable for any transactions processed prior to the card
>> being reported as lost.
>>
>> For more information on our wide range of products and services please
>> visit our web-site www.hsbc.co.in
>>
>> Yours sincerely,
>>
>> The Hongkong and Shanghai Banking Corporation Limited


----- Original Message -----
From: kaushik Patel
To: HSBC INDIA NET
Sent: Saturday, May 15, 2010 12:09 PM
Subject: Re: Your HSBC Credit Card****9327 (KMM7201951I123L0KM)


IT HAS BEEN MORE THAN 5 WORKING DAYS...

STILL AWAITING FOR THE CLARIFICATION..

HOPE MY ISSUE IS CLEAR & THERE IS NO MORE BALANCE WITH HSBC..

rgds

KAUSHIK
----- Original Message -----
From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
To: "kaushik Patel"
Sent: Friday, May 07, 2010 1:07 PM
Subject: Your HSBC Credit Card****9327 (KMM7201951I123L0KM)


> Dear Mr. Patel,
>
> Your HSBC Credit Card 4476 xxxx xxxx 9327
>
> Reference Number [protected]
>
> We refer to your email dated 22 April 2010 received through
> [protected]@hsbc.co.in regarding concerns on your HSBC Credit Card account.
>
> We regret the inconvenience caused to you in this regard. We are still
> liasing with the pertinent department in this regard. We request you to
> revert after four to five working days to know the status of your
> complaint and for us to assist you further in this regard.
>
> For an online demo on Internet Banking and more information on our wide
> range of products and services please visit our web-site www.hsbc.co.in
>
> Yours sincerely,
>
> Honey Arora
> Customer Service Executive
> The Hongkong and Shanghai Banking Corporation Limited
>
>

----- Original Message -----
From: "kaushik Patel"
To: "HSBC INDIA NET" <[protected]@hsbc.co.in>
Sent: Friday, May 07, 2010 4:00 PM
Subject: Re: Your HSBC Credit Card****9327 (KMM7201951I123L0KM)


> It is really a limit of testing someones passion,
>
> On my 1 st mail you guys asked for a time frame of 4-5 days, then again you
> asked for 10-15 days & now again you are telling me to wait for another 4-5
> days...It is really going beyond the time.
>
> Would really appreciate if you can get me the out come within a day or 2 .
>
> Awaiting for your quick response.
>
> kaushik Patel
> [protected]
> ----- Original Message -----
> From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
> To: "kaushik Patel"
> Sent: Friday, May 07, 2010 1:07 PM
> Subject: Your HSBC Credit Card****9327 (KMM7201951I123L0KM)
>
>
>> Dear Mr. Patel,
>>
>> Your HSBC Credit Card 4476 xxxx xxxx 9327
>>
>> Reference Number [protected]
>>
>> We refer to your email dated 22 April 2010 received through
>> [protected]@hsbc.co.in regarding concerns on your HSBC Credit Card account.
>>
>> We regret the inconvenience caused to you in this regard. We are still
>> liasing with the pertinent department in this regard. We request you to
>> revert after four to five working days to know the status of your
>> complaint and for us to assist you further in this regard.
>>
>> For an online demo on Internet Banking and more information on our wide
>> range of products and services please visit our web-site www.hsbc.co.in
>>
>> Yours sincerely,
>>
>> Honey Arora
>> Customer Service Executive
>> The Hongkong and Shanghai Banking Corporation Limited
>>
>>


----- Original Message -----
From: kaushik Patel
To: HSBC INDIA NET
Sent: Tuesday, May 04, 2010 7:50 PM
Subject: Re: Your HSBC Credit Card xxxx 9327 (KMM7201950I123L0KM)


STILL AWAITING FOR THE RESPONSE ???


rgds

Kaushik Patel
[protected]
----- Original Message -----
From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
To: "kaushik Patel"
Sent: Thursday, April 22, 2010 2:09 PM
Subject: Your HSBC Credit Card xxxx 9327 (KMM7201950I123L0KM)


> Dear Mr. Patel,
>
> Your HSBC Credit Card 4476 xxxx xxxx 9327
>
> Reference Number [protected]
>
> We refer to your email dated 22 April 2010 received through
> [protected]@hsbc.co.in regarding concerns on your HSBC Credit Card account.
>
> With reference to your query, we have forwarded the request to the
> department concerned and will revert to you within 15 working days.
>
> We thank you for your co - operation.
>
> For an online demo on Internet Banking and more information on our wide
> range of products and services please visit our web-site www.hsbc.co.in
>
> Yours sincerely,
>
> Honey Arora
> Customer Service Executive
> The Hongkong and Shanghai Banking Corporation Limited

>

----- Original Message -----
From: "kaushik Patel"
To: "HSBC INDIA NET" <[protected]@hsbc.co.in>
Sent: Thursday, April 22, 2010 12:40 PM
Subject: Re: Your HSBC Credit Card xxxx 9327 (KMM7168462I123L0KM)


> What the Hell !!
>
> Can't you guys understand and read my previous mails,
>
> What you have replied I already know & following the same or else would have
> not been paying your payment regularly for my HSBC credit card no.
> [protected]
>
> When I have not done anykind of shopping or received this card how come you
> are demanding for the same & I'm already carrying one HSBC card with me, It
> is clearly written in my mail that I'm nowhere associated with this card
> ,Kindly re- read my below mail:
>
> ----- Original Message -----
> From: kaushik Patel
> To: [protected]@hsbc.co.in
> Sent: Friday, April 16, 2010 11:55 AM
> Subject: Harrasment
>
>
> Dear Sir / Madam,
>
> I have been a regular user of your HSBC credit card no. [protected]
> with annual transaction of nearly 2 to 2.5 lakhs. And have been using since
> long.
>
> But, I have been reciving calls & statments of Credit card no.
> [protected] mentioning a long due amount. And this case has been
> further you have given to CIBIL whereby it has affected my credit in
> reciving the Home Loan. It was really insulting to know this.
>
> I'm really surprise what kind of Bank it is because when I'm already using
> one of your credit card how come you guys take such action. If you yourself
> are not confident on my credit why my current credit card is working since
> 2006. This seems to be atiierly harashing a customer who has been faithfull
> to you regular in paying payments & still see such days. It is really
> pathetic & shameful for banks like HSBC who can't trust or judge the right
> customers.
>
> Would appreciate to take immediate action on the above & take necessary
> action to remove my name from CIBIL. Also, would like to cancel all your
> dues & card for credit card no.[protected], As I'm nowhere associated
> with this card.
>
> Awaiting for the immediate response..
>
> A harassed customer
>
> Kaushik Patel
> Mob. : [protected]
> ----- Original Message -----
> From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
> To: "kaushik Patel"
> Sent: Thursday, April 22, 2010 11:29 AM
> Subject: Your HSBC Credit Card xxxx 9327 (KMM7168462I123L0KM)
>
>
>> Dear Mr. Patel,
>>
>> Your HSBC Credit Card 4476 xxxx xxxx 9327
>>
>> Reference Number[protected]
>>
>> We refer to your email dated 17 April 2010 received through
>> [protected]@hsbc.co.in regarding concerns on your HSBC Credit Card account.
>>
>> As per revert from the department concerned, the outstanding dues
>> reflecting on your card account (which is due to purchases). Further, as
>> on date we have not received any payment towards the same within the due
>> date. Hence, your card account has been levied with incremental charges
>> (late payment fees and finance charges).
>>
>> Our records reflect that as on date the outstanding on your card account
>> is INR 18,347.54. Therefore, we request you to make payment towards the
>> entire outstanding on or before the payment due date to avoid any
>> incremental charges being levied towards your card account.
>>
>> Please note that CIBIL (The Credit Information Bureau India Limited) is
>> an initiative of the Government of India and the Reserve Bank of India
>> (RBI) to improve the functionality and stability of the Indian financial
>> system. This is in line with the RBI's efforts to provide an effective
>> mechanism for exchange of information between banks and financial
>> institutions, thereby enabling customers to avail of better credit terms
>> from various financial institutions. This is as per business standards
>> across banks.
>>
>> Accordingly, all banks and financial institutions participating in this
>> initiative are required to share customer data with CIBIL. Further, we
>> shall be reporting the data pertaining to your account with us to CIBIL.
>> The same information will be submitted to CIBIL and same will reflect on
>> your account status and credit records with CIBIL.
>>
>> Further, as per guidelines, banks are required to share positive and
>> negative data of their customer's repayment behavior with CIBIL on a
>> monthly basis. Banks are not authorized to delete or remove a customer's
>> record completely. Hence, we regret that your request cannot be acceded.
>>
>> For an online demo on Internet Banking and more information on our wide
>> range of products and services please visit our web-site www.hsbc.co.in
>>
>> Yours sincerely,
>>
>> Honey Arora
>> Customer Service Executive
>> The Hongkong and Shanghai Banking Corporation Limited
>>
>>
>
----- Original Message -----
From: kaushik Patel
To: [protected]@hsbc.co.in
Sent: Friday, April 16, 2010 11:55 AM
Subject: Harrasment


Dear Sir / Madam,

I have been a regular user of your HSBC credit card no. [protected] with annual transaction of nearly 2 to 2.5 lakhs. And have been using since long.

But, I have been reciving calls & statments of Credit card no. [protected] mentioning a long due amount. And this case has been further you have given to CIBIL whereby it has affected my credit in reciving the Home Loan. It was really insulting to know this.

I'm really surprise what kind of Bank it is because when I'm already using one of your credit card how come you guys take such action. If you yourself are not confident on my credit why my current credit card is working since 2006. This seems to be atiierly harashing a customer who has been faithfull to you regular in paying payments & still see such days. It is really pathetic & shameful for banks like HSBC who can't trust or judge the right customers.

Would appreciate to take immediate action on the above & take necessary action to remove my name from CIBIL. Also, would like to cancel all your dues & card for credit card no.[protected], As I'm nowhere associated with this card.

Awaiting for the immediate response..

A harassed customer

Kaushik Patel
Mob. : [protected]
mail id : [protected]@gmail.com