[Resolved] HSBC Bank — WRONG DEBIT TO MY CREDIT CARD | |
I have a credit card of HSBC for the last so many years and also maintaining saving account with the bank at New Delhi branch. Card No.[protected] During the 2nd week of December 2009 I got a call from HSBC premium Circle branch and they offered me certain benefits under their Premium Circle programe. During the conversation the man on the line told me certain benefit given to me against payment of Rs. 6055/-. I told them that they should send me the details of offer in writing. They assured me that I will all the details of offer i.e list of destination under vacation offer , flight offer etc along with terms & condition of the scheme within a week time there after I can refuse the policy if I don’t find the terms suitable to me. During the 2nd week of Jan-10 when I did not received my statement of account for the period 4th Dec-09 to 4th Jan-10 I contacted customer care and they told me that my statement has returned undelivered . I enquired where you have sent the statement. He told me the new address, which I never requested for change. Thereafter I requested this statement be sent again but I never got it, however I received this statement thru Email. On checking the statement I found that A sum of Rs 6055/- has been debited to my account which I requested to reverse the same as I have not received any details etc along with other terms & conditions which were promised during telephonic conversation. I was told to write to Premium Circle thru email which I immediately did but I did not receive any reply. Thereafter I sent an email to HSBC at [protected]@hsbc.co.in and copy to Premium Circle requested for reversal of charges debited to my account. In reply to my email they advised me to write to Plat 5 consultancy Pvt. Ltd with full address for reversal, which I did immediately thru Email as well as letter thru Speed Post. Plat 5 consultancy Pvt. Ltd never replied my letter , however within 2-3 days I got one parcel thru courier which I have not opened. iF i HAVE KNOWN THAT THIS IS A THIRD PARTY ARRANGEMENT I HAVE NEVER ATTENDED THE CALL ITSELF. I am writing again and again to HSBC and Premium Circle that since they have not provide me the details of the Scheme and the terms & conditions in writing as such accepting the scheme does not arise and they should reverse the amount debited to my Card but they have refused. You are requested to help me in this matter as I have not accepted the Scheme without accepting the terms & conditions which were never provided to me. With regards Ashok mittal 1971 Sector –9 Faridabad [protected] Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 9 Comments | |
Comments
MY credit card NO is :[protected] in this month statement annual fee for Rs.2000/- and for Add on card annual fee for 1000/- . This is 100% fraud because of before taking the card, your marketing people say, This is absolutely no annual fee, so thats why iam comitted to this credit card. IF dosent want to deduct this 3000/- you will simply cancel my credit card. Because of ihave no interest to use this card.
HSBC is a Mother bank because of the people and the service they provide is really a bull .. They dont know how to work..
HSBC IS A SON OF A BANK
HSBC IS A SON OF A BANK
HSBC Bank — Wrong credit card against my name
REMINDER-4[protected]
To
The President,
Credit Card Services,
H.S.B.C Bank,
Ambal House, Anna Salai
Chennai-600006.
Subject: To remove Card No. [protected] & [protected] from my account
Dear Sir
The matter is that I have been still receiving calls from your collection department regularly to pay an amount of app. Rs. 60000/ pertaining to credit card which is not mine.
I regret to inform you that I have informed to your call centre several times in this regard since Apr-08. I have given a written request to you 3 times dated 18-5-08, 22-5-08 & 5-9-08 but no action has been done from your side for correction. Please note that this card does not belong to me as I have not received it.
You are once again requested to look into the matter seriously and to solve this issue otherwise I will go the consumer courts for further action.
A Line of reply in written from your side in this regard is appreciable.
Yours Truly
Tirlok Singh
T-235/E2/2A
Road No. 20, Baljeet Nagar
New Delhi-110008.
Mob.[protected]
I totally agree with the issue you are facing. what is the current status of your issue.
I too had got a call from HSBC for the same scheme, however I did not go for it since the executive did not have correct details of my account. He did not even have my new residence address which is very much updated in HSBC CC statement from past 1 yr. I then checked online regarding this scheme and found your complaint.
HSBC is cheating customers by offering such bogus schemes. There is a possibility of a fraud too.
I too had got a call from HSBC for the same scheme, however I did not go for it since the executive did not have correct details of my account. He did not even have my new residence address which is very much updated in HSBC CC statement from past 1 yr. I then checked online regarding this scheme and found your complaint.
HSBC is cheating customers by offering such bogus schemes. There is a possibility of a fraud too.
I am led to believe that “HSBC Premium Circle” is a scam created by HSBC Bank Credit Card Unit in collusion with Plat5 Consultancy. I have informed all my friends holding credit cards to be aware of such scam mongers. It is the case of Plat5 that they will promise you thick and thin and at the end, keep you high and dry!
I understand this is a ploy of the HSBC Bank to fraud us by colluding with a private company. Their service is so pathetic. First of all, they function like a company which was set up before computer, internet and telephone was invented. When we can do so many online transactions these days, we can buy online tickets and make online payments by credit cards by telephone or through internet, they insist on their voucher back and then only, they think of processing. Amazingly stupid, is not it? When they can debit your credit card account after a phone call when they want, but they cannot process your request through telephone or online. When we call up their customer care or whatever they call, the number given by them over the vouchers/papers, many times, they do not even pick up the phone though the phone seems like dying because of continuously ringing. In case they pick up, some lady answers you with a rude north Indian monotonous accent and rather than listening to you, she starts offering her standard answers, “No Sir. We are sorry. We cannot do that.” They do not have any sense of India being a diverse country as more often they start talking in Hindi and doing “haa ji, haa ji” when they verify your mobile Number. Most of the time, when they answer in negative, then, you may insist on filing a complaint internally, but they will not even tell what is the process as it seems once the telephone picking agent says no, that is final, binding and authoritative pronouncements. It has been happened many times that one lady picks up the phone and puts on hold for some time, another lady picks up suddenly and asks you, ‘Yes Sir! Please tell your problem’.
To summarize their whole services in short, it is nothing but the most pathetic.
The paltinum5 Premium offer of HSBC Bank Credit card offer is a fraudulent offer. They make so many tall promises when they call you up but when you get to know details, it will be too late as the options are very limited. In fact, regarding hotels and resorts, they say that it is 4 star and 5 star but they are not. For example, recently, I stayed in a Resort called Logoa Azul in Goa on self expense which is one of the resorts selected under this programme of Premium offer. This resort is NOT a 4 star one. Rather, this is not a resort which deserves any star. Similarly, there are many conditions and terms and very stupid policies they have which makes the offer useless most of the time. Like, there are restrictions on utilization offer like some months depending on places are excluded during which you can not utilize your voucher. Another funniest thing for example is you can fly Kolkatta to Hyderabad and from Hyderabad to Kolkatta, but You can not fly Hyderabad to Kolkatta and Kolkatta to Hyderabad on which point I am still fighting with them.
I understand this is a ploy of the HSBC Bank to fraud us by colluding with a private company. Their service is so pathetic. First of all, they function like a company which was set up before computer, internet and telephone was invented. When we can do so many online transactions these days, we can buy online tickets and make online payments by credit cards by telephone or through internet, they insist on their voucher back and then only, they think of processing. Amazingly stupid, is not it? When they can debit your credit card account after a phone call when they want, but they cannot process your request through telephone or online. When we call up their customer care or whatever they call, the number given by them over the vouchers/papers, many times, they do not even pick up the phone though the phone seems like dying because of continuously ringing. In case they pick up, some lady answers you with a rude north Indian monotonous accent and rather than listening to you, she starts offering her standard answers, “No Sir. We are sorry. We cannot do that.” They do not have any sense of India being a diverse country as more often they start talking in Hindi and doing “haa ji, haa ji” when they verify your mobile Number. Most of the time, when they answer in negative, then, you may insist on filing a complaint internally, but they will not even tell what is the process as it seems once the telephone picking agent says no, that is final, binding and authoritative pronouncements. It has been happened many times that one lady picks up the phone and puts on hold for some time, another lady picks up suddenly and asks you, ‘Yes Sir! Please tell your problem’.
To summarize their whole services in short, it is nothing but the most pathetic.
The paltinum5 Premium offer of HSBC Bank Credit card offer is a fraudulent offer. They make so many tall promises when they call you up but when you get to know details, it will be too late as the options are very limited. In fact, regarding hotels and resorts, they say that it is 4 star and 5 star but they are not. For example, recently, I stayed in a Resort called Logoa Azul in Goa on self expense which is one of the resorts selected under this programme of Premium offer. This resort is NOT a 4 star one. Rather, this is not a resort which deserves any star. Similarly, there are many conditions and terms and very stupid policies they have which makes the offer useless most of the time. Like, there are restrictions on utilization offer like some months depending on places are excluded during which you can not utilize your voucher. Another funniest thing for example is you can fly Kolkatta to Hyderabad and from Hyderabad to Kolkatta, but You can not fly Hyderabad to Kolkatta and Kolkatta to Hyderabad on which point I am still fighting with them.
Thanx for the comments. I was being offered the same from HSBC Premium circle, which provoked me to check the websites and one link took me to this site. Luckily I didnt accepted their offer. Thnx to all.
Dear All,
Today, I received an email from Heritage Group/Plat5 Consultancy in relation to my Ticket Bookings. I had already paid Rs. 6055 on 30th January, 2010 by debit of my credit card amount. At that time, I was promised to give a watch worth INR 4000/-, a two nights three days stay in some resorts which I choose from the list and to and fro air ticket to certain destination. At that time, I was not told any extra payments required to be done. However, when I got a reply for ticket booking Hyderabad-Delhi and Delhi-Hyderabad, I was told to email an authorization to Heritage Holidays to bill Rs 5, 640/- ( Rs 5, 640/- towards Airport Tax/Surcharges ) on my HSBC credit card.
I not only got a shock but almost fainted by looking at such a massive fraud.
I have replied them saying that I will not authorize them to debit my credit card account and not to proceed with the ticket booking. I am also contemplating to initiate legal actions against HSBC Bank, and Heritage Group.
I agree with the Complainant. The service is pathetic. The paltinum5 Premium offer of HSBC Bank Credit card offer is a fraudulent offer. They make so many tall promises when they call you up but when you get to know details, it will be too late as the options are very limited. In fact, regarding hotels and resorts, they say that it is 4 stars and 5 star but they are not. For example, recently, I stayed in a Resort called Logoa Azul in Goa on self expense which is one of the resorts selected under this programme of Premium offer. This resort is NOT a 4 star one. Rather, this is not a resort which deserves any star. Similarly, there are many conditions and terms and very stupid policies they have which makes the offer useless most of the time. Like, there are restrictions on utilization offer like some months depending on places are excluded during which you cannot utilize your voucher. Another funniest thing for example is you can fly Kolkata to Hyderabad and from Hyderabad to Kolkata, but you cannot fly Hyderabad to Kolkata and Kolkata to Hyderabad on which point I am still fighting with them.
The whole scheme looks like a scam orchestrated by HSBC Bank in connivance with some private company. I am soon lodging a complaint on this with HSBC Bank or its banking ombudsman and if no satisfactory reply is received, I am thinking to complain it to RBI. I am not sure and do not know if there will be anything positive, but I think we must try not to let this scam happen.
Another irritating aspect is their call center heritage. Most of the time, they do not receive the calls despite phone ringing, and ask in typical Hindi accent and in a very monotonous sound and frequently say 'Haan ji' in Hindi without anything caring about whether the person calling knows Hindi. While customer will be talking in English, they start immediately talking in Hindi, sometimes leaving the customers wondering what she is saying.
Another absolutely disgusting thing about them is that it looks they are shortage of men power or have been crowded with cheap labour in the markets who do not have enough energy to respond calls. Even when phones are ringing, no one picks up the phone and bothers to respond. It happens 9 out of 10 times and this will make a really frustrating experience to you.
We must protest against this corporate scam.
Rajib, Hyderabad
Today, I received an email from Heritage Group/Plat5 Consultancy in relation to my Ticket Bookings. I had already paid Rs. 6055 on 30th January, 2010 by debit of my credit card amount. At that time, I was promised to give a watch worth INR 4000/-, a two nights three days stay in some resorts which I choose from the list and to and fro air ticket to certain destination. At that time, I was not told any extra payments required to be done. However, when I got a reply for ticket booking Hyderabad-Delhi and Delhi-Hyderabad, I was told to email an authorization to Heritage Holidays to bill Rs 5, 640/- ( Rs 5, 640/- towards Airport Tax/Surcharges ) on my HSBC credit card.
I not only got a shock but almost fainted by looking at such a massive fraud.
I have replied them saying that I will not authorize them to debit my credit card account and not to proceed with the ticket booking. I am also contemplating to initiate legal actions against HSBC Bank, and Heritage Group.
I agree with the Complainant. The service is pathetic. The paltinum5 Premium offer of HSBC Bank Credit card offer is a fraudulent offer. They make so many tall promises when they call you up but when you get to know details, it will be too late as the options are very limited. In fact, regarding hotels and resorts, they say that it is 4 stars and 5 star but they are not. For example, recently, I stayed in a Resort called Logoa Azul in Goa on self expense which is one of the resorts selected under this programme of Premium offer. This resort is NOT a 4 star one. Rather, this is not a resort which deserves any star. Similarly, there are many conditions and terms and very stupid policies they have which makes the offer useless most of the time. Like, there are restrictions on utilization offer like some months depending on places are excluded during which you cannot utilize your voucher. Another funniest thing for example is you can fly Kolkata to Hyderabad and from Hyderabad to Kolkata, but you cannot fly Hyderabad to Kolkata and Kolkata to Hyderabad on which point I am still fighting with them.
The whole scheme looks like a scam orchestrated by HSBC Bank in connivance with some private company. I am soon lodging a complaint on this with HSBC Bank or its banking ombudsman and if no satisfactory reply is received, I am thinking to complain it to RBI. I am not sure and do not know if there will be anything positive, but I think we must try not to let this scam happen.
Another irritating aspect is their call center heritage. Most of the time, they do not receive the calls despite phone ringing, and ask in typical Hindi accent and in a very monotonous sound and frequently say 'Haan ji' in Hindi without anything caring about whether the person calling knows Hindi. While customer will be talking in English, they start immediately talking in Hindi, sometimes leaving the customers wondering what she is saying.
Another absolutely disgusting thing about them is that it looks they are shortage of men power or have been crowded with cheap labour in the markets who do not have enough energy to respond calls. Even when phones are ringing, no one picks up the phone and bothers to respond. It happens 9 out of 10 times and this will make a really frustrating experience to you.
We must protest against this corporate scam.
Rajib, Hyderabad
Please allow me to introduce myself my name is Michael Mason-Mahon and I am a shareholder of HSBC Plc. I am based in London yet I am a very regular visitor to India.
At HSBC Annual General Meeting of Shareholders 2010 I did address my concerns with the Board of Directors concerning what HSBC India has been doing and is doing in India to our customers.
I may be able to help you. I can assure you that I will do all that I can to help you. I have been very successful in the people that I have taken up their cases with HSBC. Now they will not let me help anymore Indian's. You may wonder why, ask the Chairman of HSBC Plc Mr Flint why.
Please go to this site. This is an interview that I did concerning HSBC.
http://www.youtube.com/watch?v...
If customers UNITE in India and decide to leave HSBC India in support of their fellow Indian's, who are making complaints about HSBC India then this may make HSBC Plc take action.
They talk about their Global Footprint and their Integrity. Please look at the following sites and see what the Indian people are saying about HSBC behaviour towards them.
http://timesofindia.indiatimes...
http://www.indiaconsumerforum...
http://www.consumercomplaints...
https://www.consumercomplaints.in/?search=hsbc+bank
Now ask yourself is this the Bank for you in India.
So if you would like to contact me and send me your phone number I will call you personally.
Kind regards
Michael
Mobile: 0044 [protected]
E-mail: [protected]@aol.
At HSBC Annual General Meeting of Shareholders 2010 I did address my concerns with the Board of Directors concerning what HSBC India has been doing and is doing in India to our customers.
I may be able to help you. I can assure you that I will do all that I can to help you. I have been very successful in the people that I have taken up their cases with HSBC. Now they will not let me help anymore Indian's. You may wonder why, ask the Chairman of HSBC Plc Mr Flint why.
Please go to this site. This is an interview that I did concerning HSBC.
http://www.youtube.com/watch?v...
If customers UNITE in India and decide to leave HSBC India in support of their fellow Indian's, who are making complaints about HSBC India then this may make HSBC Plc take action.
They talk about their Global Footprint and their Integrity. Please look at the following sites and see what the Indian people are saying about HSBC behaviour towards them.
http://timesofindia.indiatimes...
http://www.indiaconsumerforum...
http://www.consumercomplaints...
https://www.consumercomplaints.in/?search=hsbc+bank
Now ask yourself is this the Bank for you in India.
So if you would like to contact me and send me your phone number I will call you personally.
Kind regards
Michael
Mobile: 0044 [protected]
E-mail: [protected]@aol.
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HSBC Credit Card — Wrong Debits in my card account
MY credit card NO is :[protected] in this month statement annual fee for Rs.2000/- and for Add on card annual fee for 1000/- . This is 100% fraud because of before taking the card, your marketing people say, This is absolutely no annual fee, so thats why iam comitted to this credit card. IF dosent want to deduct this 3000/- you will simply cancel my credit card. Because of ihave no interest to use this card.