[Resolved]  HSBC Credit Card — HSBC - Credit Card "Warning Letter Without Using Card "

I am Sohom Mahapatra, from Gurgaon, India. While receiving a phone call from HSBC representative in the month of January 2008 and had approached to hold a credit card, she had committed me that this is LIFE TIME FREE CARD, only this kind of facilities they do provide to corporate personnel. I was impressed and had agreed upon. On February 21st, 2008. I had received one envelop and found my credit card along with one extra Ad-on card in the name of my mother too at my office address. While first time discussing with them, I had never approached them for extra Ad-on card and accordingly they had committed to provide my card, but they had sent two cards !!! Since those are life time free cards, I thought I would utilize them some other time.

The most important part is still I have not taken those cards out of the cover letter, sent by HSBC (normally they are pasted on bottom of the cover letter). Suddenly in the month of August (Dtd. 21/08/2008), directly without any statement or phone call, I got a Warning Letter from HSBC that Rs. 3, 521.17 are balance to pay on my credit card. If I fail to pay those amounts, they would complain my name in RBI Defaulter Register, resulting which I would not be able to avail any financial support from any Indian Financial Institution. I was shocked !!! Without using any card and without receiving any statement how HSBC can send such kind of stupid letter ? What HSBC wants from common people ???

I had never used my cards, neither I have opened it out from the letter - How I would got charged Rs. 3, 521.17 ? This was completely life time free card. Even I had tried to contact the given phone number on the warning letter, I had failed, because no one is picking up the telephone. I tried to contact their customer service department more than 100 times, I had failed to contact due to their typical telephone system. Fortunately I could contact them on September 29, 2008, one customer service executive had advised me to contact their third party agent on phone number +[protected], on an average everyday I use to call on this number, thinking in line that this time some body will pick up my phone, but every time I failed. They have no data-base at all !!! Why their top management is not closing these issues ??? This will help them to rise their business and people will have a good faith on HSBC.

Where we should go for justice ? Such a big financial institution in the world, they are having huge lac of communications, by which they can make a defaulter easily to a good citizen. This made me frustrated.

If you can help me out, I shall be thankful to you.

Regards,
Sohom Mahapatra
+91 [protected]