[Resolved]  HSBC Credit Card — After full payment, Extra charges is being charged with in trust

Dear Sir,

Trailing mail was sent to HSBC bank related to my credit card over charges, but in reply they are still demanding for undue charges. Kindly look into this regards, as for the same I have reported my problem number of times to bank, but no action from their end. now core center is my final approch for the same.I request you to please go through with my complete mail and their reply.

Regards
Shashank Wahal


Dear Mr. Wahal,

Reference Number [protected]

We refer to your E-mail dated 20 September 2009 received through
[protected]@hsbc.co.in regarding your HSBC Credit Card account.

With regard to the outstanding dues reflecting in your card account, our
records reflect that the total outstanding dues reflecting in your card
statement, we are either in receipt of part payment or no payment within
the payment due date. Hence, your card account has been levied with late
payment fees and finance charges.

Whenever the Bank offers credit facility to its customers, we offer
Card Service Guide detailing the repayment process, tenure and
periodicity of repayment

Your card account has been closed by bank and there is an outstanding of
INR 5,853.40 as on date payable on your card account. Please make
payment towards the entire outstanding at the earliest to avoid further
levy of charges on your card account.

We request you to contact our nearest Debt Management team at
[protected]/[protected] for an amicable settlement towards the card
outstanding.

We would like to inform you that our Debt Recovery department does not
embark upon a settlement plan without providing a letter to the customer
detailing the terms and conditions of the settlement offered.

In the interest of security and to maintain confidentiality, please
never mention your account number or your credit card number in any
E-mail as it is an unsecured mode of communication.

A complete list of our Phone Banking numbers are available at


http://www.hsbc.co.in/1/2/personal/internet-and-self-service-banking/pho
ne-banking

Yours sincerely,

Aveek Ray
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited

[protected][protected]-
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Dear Sir / Madam,
Subject: Complaint against credit card statement & Payment.
I was holding HSBC credit card with No: [protected], which I discontinued in Sep08, due to poor service and extra charges from your bank against my issued credit card, for the same I reported to your customer service cell as well, but no satisfactory service and reply was received . I need my complete reimbursement with in trust charges which are being charge by bank from customer I payment is not made on time. My details of poor service of your bank are as follows.
• From 13th April to 12th May08 statement was showing Rs/- 8945.14p due on 3rd June08, for which I dropped my HDFC bank cheque in CP HSBC ATM drop box on 1st June08, but on 10th June 2008, I received a call from your recovery call center, that payment not received by bank. I provided all details to caller lady with cheque no, amount, location and date, But she suggested to pay Rs/- 500.00 in cash to avoid late payment charges against my payment, same was done by me, through cash to recovery agent against cash memo slip on same date.
• Next month I received my next statement, and I was shocked to see that, statement was showing Rs/-8945.14p as opening balance, Rs/- 500.00 as received payment, some fuel refund, other purchases of Rs/- 7500.00 and late payment fee with finance charges along with service tax, but no were My cheque credit was mentioned which I had issued to HSBC credit card with Rs/ 8945.14p on 1st June 2008????? Immediately I called up to your customer care call center, there I spoke with Mr. Suraj and informed him all my details, he assured me and confirmed that all extra charges will be reversal, after his assurance and confirmation, I paid only Rs/-7500.00 as it was spend by me against my credit card and was actual amount.
• After that, next month (with due date 4th Aug) I received another statement in which, my Rs/-8945.14p cheque was showing credited on 21st June????? For late cheque depositing in branch, why should I pay extra charges to your bank???? Due to same, I call up to your customer care cell, on 19th Aug and spoke to Ms Sanya, when I complained for all above said, First she disconnected the phone, then I called up again Spock to Mr. Sohil, he was not able to convened me against my queries, then I asked him to call his manager on line, then my call was kept on hold for 25 minutes but manager did not attended my call.
• Then again on 22nd Dec I called up to your customer care center, and told Mr. Shyam (the name was told me) to call his manager on line as I want to clear my pending queries as I was receiving calls from your recovery center, then again I was kept on hold for 20 minutes but again manager did not attended my phone call????????
• I was surprised to see statement, which I received after few months in June09 month end, with Rs/- 4832.18, as out standing against my credit card???? Followed with lot of calls from your recovery call center (agents) with threatening (Phone no:[protected] &[protected].
• For the all clarifications and for complaint, I approach to your CP main HSBC bank, there 45 minutes I waited in queue after taking coupon, because on customer care counter hardly three person were sitting out of Six counter and four were chatting in bank corridor, when for same I shouted, then one lady attended me for just two min, by watch and gave me address and phone no of your Noida recovery cell center.
• I reported the same case there to Mr. Anil Adhikari (phone no: [protected]) personally from scratch on 22nd Aug 09, he assured me, that with in 72 hrs, I will receive my account closer latter with NIL balance, but before that HSBC bank relation ship manager Ms. Pooja Shukla (Phone no: [protected]) will call me on 24th Aug on my Mobile to do some query checks. But when on 24th Aug I did not received the call then on 25th I called up to Ms. Pooja, she also confirmed me that Mr. Govind is doing the checking against my card and with in 24 hrs I will be informed with latter, I am sorry to inform you since 26th Aug till 16th Sep I tried to contact Mr. Govind (phone no: [protected]), But he did not picked up my phone, and finally on 17th Sep I was lucky that in evening at 07:30PM he attended my call and Informed me that it is not possible to close the account, unless I will not pay some amount as penalty, when I refused for the same and complaint that I will report the same to HSBC head office and consumer court, he replied to whom so ever, I wont to do complaint, it does not effect on bank.
After being festered, I am writing to you, and if my problem is not solved by you also, then definitely I will approach to consumer court and will ask for reimbursement with in trust charges @ bank in trust rate.

Waiting for your favorable and necessary action with concern staff listed in my above details.
Regards
Shashank Wahal
Credit card no: [protected]