[Resolved] HSBC Credit Card — WRONGLY CHARGING INTT. & PENALTY | |
Dear sir, I Minukumar was holding Credit Card no. [protected] of HSBC for more than three-four years. Till last year Aug, 07 I was paying my dues without fail, which can be cross verify from my payment history with the bank. Everything was going fine until I had applied with HSBC for balance trfr. of Rs. 13500/= somewhere in 18th Aug’2007 to pay my outstanding of other Credit card of Citi bank but till date the same amount has not been credited by HSBC to the said credit card. I had informed the same to customer care of HSBC and requested for Stop payment/reversal of that DD. But the same was not reversed by HSBC instead of that HSBC has start charging interest on the above amount of 13, 500/=. Meanwhile I was keep calling at customer care of the bank, but no one was seems listening me, instead of reversing the amount, bank has start threatening to me on phone and harassing me by sending recovery officer to my residence. After months of follow-ups with customer care of the bank then I approached to bank via its official Email I D([protected]@hsbc.co.in), and after various mails bank had replied me, in the month of November’ 07, that above amount of Rs. 13500/= and interest, penalty charged thereon will be reversed in next month statement but it was not reversed by bank till end of the last year but bank keeps threatening me via telephone and recovery officials then again I start writing mails to above mail ID and telephone to Ms. Narmata (Mumbai) of the bank and after many mails bank replied in the month of April, 08 that my credit card has been already closed. In response to their reply I had written them that please coordinate with their recovery and bill generation department because these departments were not act according to the reply given by the bank through Email. Finally the bank was accept the full & Final for the balance amount of Rs. 18, 000/- from my card statement. I pay this amount in April’08 for Rs. 9000/- cash and final payment(Rs.9000/-) POD cheque in 2nd May 2008. On 07th Sept’08 bank sent a collection agent to my house for the collection of the due payment in my absence, he misbehaved with my wife and other family members. They threatened and used abusive languages and collect Rs.500/- Receipt No. CPD3 0351570. However I was helpless and could do nothing so I complained to the concerned department about the incident and the behaviour of the agents. but interest and penalty charged thereon, which already reached to around 30, 607.44/=, is still reflecting in my card statement and bank has declined to reverse the above amount instead of that bank is forcing me to pay the above amount. Further HSBC has already registered me as defaulter with RBI credit agency, which also hearting my credibility in many ways. 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. Bank is not listening and keep giving me recovery calls and regularly sending recovery agents to my residence which is very embarrassing to me. Now I want to put a case for mental harassment & for that Rs. 1, 00, 000/- Minukumar [protected] [protected]@yahoo.com Was this information helpful? | |
Aug 13, 2020 Complaint marked as Resolved | |
 12 Comments | |
Comments
HSBC Credit Card — HSBC Wrongly charged Finance charges
I have a HSBC credit card, I have been wrongly charged finace chagres ispite of giving cheque on time ... Nee some body from HSBC to take care of this matter.Thanks
Ashish sarin
[protected]
HSBC Credit Cards — Wrongly charged
I have never defaulted on any payment and have made all payments much before time. I was given HSBC Card I was told that it is lifetime free and no Annual Fees will be charged to me. Further, I have always made the payment before Due Date and hence no Finance Charges and Service Tax are applicable to me. They are going about compounding the Annual fees and have made it ito a fat Rs 14000/- amt.WRONG CHARGES AS FOLLOWS
DateParticularsAmt (Rs)
12/07/2007Annual Fees2000/-
12/07/2007Service Tax247/-
12/07/2007Annual Fees 1000/-
12/07/2007Service Tax123/-
12/11/2007Finance Charge1060/-
12/11/2007Service Tax 131/-
12/12/2007Annual Fees1000/-
12/12/2007Service Tax123/-
12/12/2007Finance Charge200/-
12/12/2007Service Tax24/-
12/02/2008Finance Charge182/-
12/02/2008Service Tax22/-
12/03/2008Finance Charge456/-
12/03/2008Service Tax56/-
12/04/2008Finance Charge484/-
12/04/2008Service Tax59/-
Rs 7167/-
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]
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]
hi,
am manu oomen samuel holding your valid credit card no [protected] exp date .11/10
at present am at bahrain, i am not working with riya travel & tours (i) ovt ltd, Hence kindly send all my statement to residance address
manu oommen samuel
A, 304, sea queen avenue
plot no, 62, sec- 22
KOPARKHIRANE,
NEW BOMBAY
am manu oomen samuel holding your valid credit card no [protected] exp date .11/10
at present am at bahrain, i am not working with riya travel & tours (i) ovt ltd, Hence kindly send all my statement to residance address
manu oommen samuel
A, 304, sea queen avenue
plot no, 62, sec- 22
KOPARKHIRANE,
NEW BOMBAY
I, Prakash credit card No. [protected] would like inform you that I have recd the letter stating that out standing balance is Rs. 16240/-. whereas i have purchased/paid for Rs. 935/- + Rs. 1941 = Rs.2876/-. out of which Rs. 935/- was remitted through SBI vide chq No.491712 to hsbc . But again it was showing as outstanding balance. Regarding this we have wrote a letter and even sent the fax, but no response. if we call landline none of them receiving the phone. and I was receiving a call regarding this. and i have explained what had happened and they could tell i will call back and never called back. and again i have remitted Rs. 1000/- vide cq no. 491725. But we did not come know this amt has been remitted or not.
when I received the call from hsbc and I enquired that i have already remitted Rs. 1935/-, they told no amt have been remitted. and i was shocked. and what basis i can remit the balance of Rs. 941/- because they have told that we have not remitted any outstanding balance. if we call the same person who have called me they received for first time and told i will call you back and they did not do so. Again i called them they did not receive the call at all. We have requested them to close my credit card and we will not be using the card any more. they told ok.
Now I have received the letter on 13.6.2009 showing outstanding balance of Rs. 16240/-. it was very suprising to see this because we have closed the credit card and we have not used the card at all. In this letter i saw a contact person name and no. i called him and briefed about this. again in this matter i called him as and when he told to call for 4-5 times. then i sent a message to him as we was not receiving the phone. after then his assistant called me up and told that your outstanding balance is Rs. 12+odd. I told him that only Rs. 941/- is balance. I now i am remitting the same within a week.
Prakash.
[protected]
when I received the call from hsbc and I enquired that i have already remitted Rs. 1935/-, they told no amt have been remitted. and i was shocked. and what basis i can remit the balance of Rs. 941/- because they have told that we have not remitted any outstanding balance. if we call the same person who have called me they received for first time and told i will call you back and they did not do so. Again i called them they did not receive the call at all. We have requested them to close my credit card and we will not be using the card any more. they told ok.
Now I have received the letter on 13.6.2009 showing outstanding balance of Rs. 16240/-. it was very suprising to see this because we have closed the credit card and we have not used the card at all. In this letter i saw a contact person name and no. i called him and briefed about this. again in this matter i called him as and when he told to call for 4-5 times. then i sent a message to him as we was not receiving the phone. after then his assistant called me up and told that your outstanding balance is Rs. 12+odd. I told him that only Rs. 941/- is balance. I now i am remitting the same within a week.
Prakash.
[protected]
Dear Sir/Mdm
Good Morning,
Dear Sir/Mdm
I am surprise to receive statement containing service charge of Rs.2000/-. At the time of receiving the credit card HSBC agreed that there is no service charges. Last year also HSBC had send the Statement with service charge but after that REVERSED THE SAME IN THE FOLLOWING MONTH request. (Pl check my previous statements/Account).
In view of the above facts, kindly reverse the service charges charged on me and send the nil statement at the earliest.
regards,
sudarshan babu.s
Mobile : [protected]
Good Morning,
Dear Sir/Mdm
I am surprise to receive statement containing service charge of Rs.2000/-. At the time of receiving the credit card HSBC agreed that there is no service charges. Last year also HSBC had send the Statement with service charge but after that REVERSED THE SAME IN THE FOLLOWING MONTH request. (Pl check my previous statements/Account).
In view of the above facts, kindly reverse the service charges charged on me and send the nil statement at the earliest.
regards,
sudarshan babu.s
Mobile : [protected]
dear sir
good morning.
My bill will be nearly Rs/ 24000. Every month I am repaying Rs/15000.regularly.with in due date. But u are charging finance charges every month. Then where is the credit fecility? so plz reverse these charges for which charged in these months.Hope u will do the needful.
regards,
ajay.B.K.
good morning.
My bill will be nearly Rs/ 24000. Every month I am repaying Rs/15000.regularly.with in due date. But u are charging finance charges every month. Then where is the credit fecility? so plz reverse these charges for which charged in these months.Hope u will do the needful.
regards,
ajay.B.K.
Dear Sir,
I am kamal sharma. I am your hsbc credit card holder, I had purchased some material up to 40000/- only but sir due to my personal problem i am unable to pay the money against this amount.
I want to request you to make an emi from coming december 2009 for rs. 3000 p.m. because i am joining my new job from 24/10/2009 so my condition will be recover from december 2009. I have no job from last 1 year due to economic crisis, So kindly please cooperate with me for this situation. I hope u can understand my problem & due to my job related problem my family is struggling this time & facing many problems due to the lack of money becuse my unemployment reason.
So kindly please help me and make an emi from december 2009 for Rs. 3000 only p.m.
Thanks.
kamal sharma
I am kamal sharma. I am your hsbc credit card holder, I had purchased some material up to 40000/- only but sir due to my personal problem i am unable to pay the money against this amount.
I want to request you to make an emi from coming december 2009 for rs. 3000 p.m. because i am joining my new job from 24/10/2009 so my condition will be recover from december 2009. I have no job from last 1 year due to economic crisis, So kindly please cooperate with me for this situation. I hope u can understand my problem & due to my job related problem my family is struggling this time & facing many problems due to the lack of money becuse my unemployment reason.
So kindly please help me and make an emi from december 2009 for Rs. 3000 only p.m.
Thanks.
kamal sharma
This should be a lesson for every one who is trying to get a HSBC credit card.
I applied for a HSBC credit card in the year 2007. After few days i got a mail asking to pay
a minimum amount of 101 by the time i have not yet received the credit card.
I wrote to HSBC that i have not received the card. I also got a letter stating that the card
was not delivered an it was returned back undelivered and got destroyed by the HSBC.
But After two years i suddenly started getting a sms asking me to pay the due of 11, 000/-
There is no clue whether the card was again delivered or not or without delivering if HSBC is trying
to settle their other defaulted accounts by creating such bogus impression that the i have used
a card which i have not received in my hand and charging some amount and asking to pay a minimum
amount and some customer care person is asking me to sign a settlement letter in which it is
asking me to agree that i have used the card and i have defaulted the payment also when we
ask them to give the transaction history to know who and where they have used the card in
case if it would have been delivered the bank is refusing to give the transaction history.
I applied for a HSBC credit card in the year 2007. After few days i got a mail asking to pay
a minimum amount of 101 by the time i have not yet received the credit card.
I wrote to HSBC that i have not received the card. I also got a letter stating that the card
was not delivered an it was returned back undelivered and got destroyed by the HSBC.
But After two years i suddenly started getting a sms asking me to pay the due of 11, 000/-
There is no clue whether the card was again delivered or not or without delivering if HSBC is trying
to settle their other defaulted accounts by creating such bogus impression that the i have used
a card which i have not received in my hand and charging some amount and asking to pay a minimum
amount and some customer care person is asking me to sign a settlement letter in which it is
asking me to agree that i have used the card and i have defaulted the payment also when we
ask them to give the transaction history to know who and where they have used the card in
case if it would have been delivered the bank is refusing to give the transaction history.
HSBC Credit Card — Late Fine wrongly charged by HSBC Card
Dear ConernI am using HSBC Credit Card for the past 1.5 yrs and has always made payment on time. My due date every month is on 26th or 27th of every month. My payment of Rs 500 for the month of dec was done on 24th Dec 09 but as on 25th, 26th and 27th they had an holiday so the late fine has been added to my current month bill as the chq got cleared on 28th dec. I had called the customer service and spoke to Menakshi and she clearly infromed that i should have made payment a week before and the late fine cannot be revised as it has been correctly charged by the bank.
When bank says that they are giving a credit facility of 50days during this commitment they includes all the holidays including sundays, if the chq cannot be cleared on holiday that should not be my concern. Why they are calculating the due date which includes holiday?? If the bank cannot compensate these things than why should the customer be responsible for bank holidays.
It is a very clear message to the bank official that if the late fine is not reversed i will be forced to stop payment and you can keep on adding the late fine as much you want.
Pls look into the matter and revert.
Card Nos - [protected]
Regards
Harjit Singh
H S B C bank — Interest wrongly charged
I have taken 2 balance transfer in Feb - March 2008 in life time scheme. but one balance transfer have closed and transfered in purchase in December 2008 and charged Interest 3.5% (Aprx) instead of 1%. I have booked many complaint over telephone their telhone / help line number. but not help me and I have worngly interest upto Feb 2010 and all balance transfer have closed. now HSBC bank generat new statment and stand Amount Rs. 72.00.please give instruction to bank for refund excess intrest and closed balance amount of my statment and compension of hursment for none reply of my complaints over telephone and emails.
thanks
rajendar kumar saini
tel [protected]
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HSBC Credit Card — Wrongly billed
I applied for balance transfer. I have not received any balace trasfer cheque, however I am being billed for the same. I have time and again complained to bank and instead of rectifying the problem they are bothering me and my family by sending collection agents and calling me to pay bills.