I have been a HSBC credit card customer since long time and made every payment in time. I dropped the cheque in their JMD branch ATM box 4 days before the due date but HSBC claimed that they received the cheque late hence they have put late payment and finance charges on me which is invalid. I have called so many times to HSBC customer care to clear these unnecessary charges but they are not agree and every month they are putting charges on previous late/finance charges. I have paid all the legal and valid amount to HSBC in time and requested many times to clear these charges as it is being incrementing as compound interest but they are pressurizing me to pay all the charges and boasting me for making my record as defaulter in CIBIL so that i can not take any financial help from other banks. I even asked them to settle and close the account but they are forcing me to clear all the invalid charges without any discount else we will be putting more charges every month and you have to pay all of them in future.
I am not finding any way to come out of this type of unnecessary trouble and boasting which is being given to a customer by HSBC bank. They are ready to close the account else putting pressure on the customer to pay all invalid charges else we will make you defaulter.
Even by giving all the payment to bank, HSBC bank is troubling the customer and misusing the banking power.
Anyone please suggest what can be done to come out of this.
After that I have never used the card and requested to close the A/C but card was not closed and unnecessary charges were put on me every month.
Kindly consider the card closure request and settle the account.