[Resolved] HSBC Credit Card — Mental Harassment for charging Annual fees

Hongkong & Shanghai Banking Corporation [HSBC]

[Resolved] HSBC Credit Card — Mental Harassment for charging Annual fees

P Pooja Kharbanda from Mumbai, Maharashtra

I, Pooja Kharbanda having credit card number [protected] has applied for the cancellation of card on 31st Dec 2007 and called up around 10-20 times at cancellation department for cancellation of card but the status was not updated by them and card was not cancelled. HSBC have charged annual fees of around Rs. 2000 on this card which was not told by us at the time of issuing the card and no bank is charging annual fees then how come HSBC charging annual fees and moreover the service is also worst. I have already called up at customer service/ agency 10-20 times to cancel the card and reverse the amount but they have not taken any action, I am really pissed up with all these stuff, getting calls daily to pay this much amount. I have not used this card even and the amount has been clubbed to around 6000+ after charging late fees on this annual fees payment. I called up many times to collection department to waive off the charges and clear my account but that is of no use and they talk very rudely and using abusive language. I have forward this case to nodal officer also but not yet got any satisfactory response. I am getting calls from collection department to pay this bill but I am not going to pay even a single penny as this is not genuine amount to be paid because I have not made any transactions from this card after I applied for cancellation of card. HSBC is losing this to there competitors who at-least understand there customers and try there level best to solve there grievance and make them loyal and a part to there big family. Now at present I am getting numerous HARASSMENTS and THREATENING CALLS from HSBC on the dues of my account. I am holding the amount asking them to release the itemized statement to check transaction of my card but they are not providing any details but I know it is the annual fees they have charged of Rs 2000 inspite of cancellation request given to customer services many times. Even, they called at my landline no. and use very abusive language with my family members which is not acceptable on behalf of HSBC staff, they don't have courtesy to talk to the customers. Keeping the above facts in view your goodself is requested to help me out of this problem as I am mentally very disturbed with this. I request you to do the needful and clear my account by reversing the whole amount otherwise I will have to esclate this issue Banking Ombudsman for mental harassment. This letter should not fall to deft ears. This is a plea from a bleeding customer. Pooja Kharbanda [protected] Was this information helpful? No (0) Yes (0)
Aug 14, 2020 Complaint marked as Resolved
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Comments

Don Bosco Praveen

from Pune, Maharashtra

HSBC — Mental Harassment

Please treat this urgent.

I received a call from [protected], [protected], at 5 10 pm on 12/12/08. The lady officer who spoke to me did not introduce herself and asked me if I had paid my Minimum Due for this month. I told her my due date was 2nd Dec and I had dropped a cheque on the 1st of Dec. She immediately told me if you had dropped the cheque why didnt we receive it? Only 2 days it takes to clear and she started to ask the most irrelevant questions in a very harsh tone. I too told her that I am not interested to check with my bank if it had been debited? for which she started saying it will just take 2 mins to check why cant u do it etc. all these unhealthy ways.
Is this CUSTOMER ORIENTED / BASED INDUSTRY OR bank harrasment Industry???????????????????????
Suddenly there was another person on the phone by name Balaji/ Mr. claiming himself to be Asst. Manager but again failed to introduce himsel[censored]nless asked, he was defending his colleague and was also screaming on the other end.

My Questions to the bank:
Why do you have such offuicers who lose their cool??
Is it not their duty to ask the customer, if it Is The Right Time To speak? Introduce themselves and also speak politely?
Where has all the requesting gone? when their sales man is here to write an application they do all the begging. Why is collections harrasing they use suvch threatening words. Need A solution Please take to an Investigation.

ARUN SHANKAR KUSHWAHA

Date[protected]
To,
HSBC
Dear Sir

Re : Credit Card No.[protected]

I am employed with Everest Industries Limited having office at Mumbai. In or about Feb 2006, your marketing representative visited my Thane office and gave demo for the usage features of your card. While I was inquiring about the features of your card, your marketing representative obtained my signatures on some forms and obtained some documents from me for purpose of noting my name as “interested member” for filling inquiry form. Subsequently your Bank Credit Card bearing No[protected] was posted to me at my office address.

I say that without my using your card, your Bank sent me statement for Rs.210/-.approximately. I say that I immediately called your customer care number putting forth my grievance and called upon them to cancel my card and terminate services with immediate effect. I also called upon them to sent me letter for “No claim”, to which they showed their inability and stated that same is granted only in case where there is any dispute above Rs.1000/-, however they assured me that card is cancelled and services are terminated. I say that subsequent thereof, I have not received any statement from your bank till date.

I say that from last about 15 days, I am receiving sms from your bank for payment of Rs.4570/- towards aforesaid credit card pending bills. I had never imagine of such conduct from Big Banking Corporation like yours. I say that without usage of your services, how can I be made and forced to pay charges levied by you. I put forth my grievances with your customer care at Ram Maruti Rd branch, Thane who showed their inability to locate my bills and pending dues. They were also unable to provide me any Bank statement though I was ready and willing to bear the cost for same. I say that I also spoke to Mr.66667070 of your Bank collection centre at Mumbai,[protected] who responded to me rudely as if I am bring defaulter / criminal. I say that thereafter I spoke to your Delhi Recovery Cell at Telephone No[protected]/45023968 with Mr.Basant, who was also not able to resolve to my problem or provide me statisfactory reply.

The said act of your to grab heavy & exorbitant amount from me for no fault of mine speaks of your volumes and attitudes to procure money by adhering to illegal means & making trap for the innocent customers like me.

I am therefore now constrained to put forth my grievance in writing for necessary action and resolution of my grievance. Request you please look into this matter and advise what should be my next step.
Yours truly,
Arun Shankar Kushwaha
CC to for information and record

A) Thane
B) Mumbai
C) Delhi