Hongkong & Shanghai Banking Corporation [Hsbc] — worst customer service

Address:

New Delhi, Delhi, 110007

Hi

About 10 years back i had a hsbc credit card ending with 8329 that i closed.
Urrently i'm in need of personal loan because of house renovation.
So got to know through my cibil report that i still had some due amount that i suppose to pay to hsbc bank which i was not aware of.
As i never received any call from hsbc or text or any kind of letter for the due amount as it was a pretty old card that i closed.
Anyways still i went to hsbc branch in south x to pay this due amount of rs. 16777. Showing in my cibil report.
Now the story begins -
I visited the customer care counter in hsbc south x branch. This lady informed me i may have to pay more than this amount.
She will check the exact amount and will call me and will update me in next 3 days. Ok i waited for 3 days no call no text, no update.
I waited for a week again no call no text no update.
I couldnt contact as the lady refuse to give me the branch number saying they will contact me.
No where online i found the branch number expect the toll free number where i called and they also refused to give me the branch number.
So again i went from north delhi to south delhi hsbc branch.
Then the same customer service lady informed she couldnt update me as she was on 2 days leave and then after she forgot about my case.
Then i spoke with the branch manager and he again asked the same lady to handle my case and we got to know i have to pay the same amount of rs. 16777.
That i already knew through cibil and i waited for a week for nothing.
Anyways i paid this amount on 19 july in the same branch via cheque and it got debited from my account.
Then i requested for noc.
Then this lady suggested me as i have a requirement if personal loan so take it from hsbc only. They will take care of noc also.
I said ok then she called a persona loan agent from the same branch and he asked me for all my documents and i submitted to him.
He advised do not take the noc now as it will hamper my persona loan request an i might not get it.
Once my pl will approve then he will file a request for my noc.
So i did as he said.
Then he asked me to wait for a week and they will disburse my persona loan.
I waited for a week then another week then another week called many times to contact him but he never picked up and ignored my call like im a beggar
Then after 3 weeks one fine day the pl agent picked up my called and gave me an answer no.
Persona loan is not possible from hsbc.
I said my noc atleast give me some acknowledgement closer receipt email me something that i paid this amount in hsbc.
He said we cant email you anything call the toll free customer care line and request for noc.
After waiting & wasting my 1 month no pl no noc.
Then i called customer care on 28 aug to request for noc. My request no[protected].
I asked its already delayed if they can email me they denied and said with in a week it will be delivered at my residence as hard copy only.
After 4 days i called and check if this time im gonna get it.
Then i got know my request never got submitted and it is still in open status.
As the previous agent did some mistake and now this new agent is correcting it.
He advise as your request is still in open status so it will take another 3 days to correct the mistake.
Then after you have to wait for another 10 days to receive your noc.
I mean wow this is the service i received from hsbc south x branch and from hsbc customer care helpline.
Still in my cibil report its shows due amount of rs. 16777 which i already paid.
I have to urgently submit that noc for my other bank related queries and this is what im getting.
I request to email the noc and the closure so i can go and complete my task with another bank.

Thanks & regards,
Nitin sharma
[protected]