[Resolved]  HSBC Bank Credit Card — Payment issue with my HSBC Credit Card

Dear Sir/Madam This is regarding a payment made to HSBC bank for my Credit Card No: [protected]. Where I have transferred the payment of Rs. 10000 from my ICICI Bank saving account (No.[protected] on 4th Dec 2007 but the same was not credited to my HSBC Card. Now its has been almost for than 3 months and during this period I have made numerous calls to HSBC Customer care to solve my issue. I have provided them all the details like payment ID No., Bank Account No., besides this I have also written many email at "[protected]@hsbc.co.in" but nobody has responded to my complaint (Complaint No. [protected]). I have been making many ccalls to them but every time they put my call on hold and after that they give me the same answer that "I will get a call from HSBC" (which I never got). Every month I recieve a show cause notice from HSBC regarding non-payment of dues. Now when I called up the customer care today to know the status of my complain then the reply from the bank is " Your card has been closed and to know the status of your complaint call at collection centre at[protected]. Now I am very upset with the service of the bank and neither I know where my amount of Rs 10000 is???? also HSBC has rated my credit rating as negative which would make disqualify me from taking credits from other banks and financial institutions. I am sending the the copy of the email written to HSBC from time to time, pls find the same below in order of dates. Sir, I have full faith and respect in justice. Pls help me out. The Bank is charging a Huge interest every day and I am financial not so well to bear all this charges. Pls look into my case and help me. I want to take a legal action against the bank to get back my normal credit status and my credit card. EMAIL NO. 1 from Saleem Khan hide details Jan 1 to [protected]@hsbc.co.in bcc saleem.[protected]@asianppg.com, [protected]@gmail.com date Jan 1, 2008 9:24 PM subject Kind Attn: Manager (Debt Management) HSBC Credit Card mailed-by gmail.com Kind Attn: Manager (Debt Management) HSBC Credit Card No. [protected] Dear Sir, This is in reference to your repeated notification regarding payment for my HSBC Credit Card No. [protected]. I would like to inform you that I have made a payment of Rs. 10, 000 on[protected] through Visa Card to Card Transfer from my ICICI bank Saving account (No.[protected], Payment ID:[protected]. The amount was successfully debited from account on the same date and the payment was made to the HSBC on[protected]. After checking with, and as per, HSBC bank. I have registered a complaint with ICICI Bank (on[protected] vide Complaint No. SR[protected] regarding the status of fund transfer from my account and it was told to me that amount was successfully transfered to HSBC on 4th Dec 2007. I have also filed a complaint with HSBC Credit Card Division (Complaint No. [protected]) to resolve the same issue but till date it has not been solved and neither I have recieved any feedback from HSBC on the status of my complaint. Now everytime I call HSBC Credit Card Division to know the status of my complaint I got same reply that "The request is been forwarded and you will receieve a call from us within 3-4 days". Now it is almost a month time and the payment is not being credited to my account and HSBC is charging day to day interest and late payment fees on my card every month. Neither I feel that the bank is interested in resolving the issue in time. Also, Pls take care of the interest and late payment charges that is being levied on my card. Request you to do the needfull. Regards, Saleem Khan REPLY RECVD FOR EMAIL NO. 1 from "[protected]@hsbc.co.in" hide details Jan 1 to [protected]@gmail.com date Jan 1, 2008 9:31 PM subject [Ack] Case 4473763 Kind Attn: Manager (Debt Management) HSBC Credit Card mailed-by hsbc.co.in Dear Customer We refer to your email to [protected]@hsbc.co.in. We request you to please allow us 5 working days, to investigate the matter and we would comprehensively revert to you with the confirmation of action taken. In the interim, we would like to thank you for bringing this matter to our attention as it is feedback such as yours which enables us to improve our services. Should you have any clarifications in the interim, please do not hesitate to write to us [protected]@hsbc.co.in quoting the case reference number. For queries relating to lost cards, please contact phone banking immediately, at the respective cities. HSBC would not be liable for any transactions done between the time of the card lost and the time of reporting. Warm Regards HSBC EMail Helpdesk[protected][protected]- ******************************************************************* This e-mail is confidential. It may also be legally privileged. If you are not the addressee you may not copy, forward, disclose or use any part of it. If you have received this message in error, please delete it and all copies from your system and notify the sender immediately by return e-mail. Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions. ******************************************************************* "SAVE PAPER - THINK BEFORE YOU PRINT!" 2nd REPLY RCVD TO EMAIL NO. 1 Dear Mr Khan We refer your message dated 02 January 2008. We apologise for the delay in response. We observe from our records that as on date we are not in receipt of your payment of INR 10000 towards your card account. Hence we request you to liaise with our other Bank where you hold a Savings account for further assistance in this regard. Alternatively: Please send a (scanned copy) through "[protected]@hsbc.co.in " the other bank statement as an attachment, the same in attention of "Rukmani M" to enable us to forward the copy of the other bank statement to the concerned department. We trust the above clarifies your concern. For further queries we request you to call our phone banking numbers or if you have registered for Internet Banking, we request you to send us a secured message through the 'email us' option in order to enable us to assist you in this regard. A complete list of our phonebanking numbers is available at http://www.hsbc.co.in/in/personal/phone.htm Warm regards Rukmani M Customer Service Officer HSBC India. - Hide quoted text[protected][protected]-- ******************************************************************* This e-mail is confidential. It may also be legally privileged. If you are not the addressee you may not copy, forward, disclose or use any part of it. If you have received this message in error, please delete it and all copies from your system and notify the sender immediately by return e-mail. Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions. ******************************************************************* "SAVE PAPER - THINK BEFORE YOU PRINT!" EMAIL NO. 2 WRITTREN TO HSBC from Saleem Khan hide details Jan 10 to [protected]@hsbc.co.in date Jan 10, 2008 7:21 PM subject Re: Case 4473763 Kind Attn: Manager (Debt Management) HSBC Credit Card mailed-by gmail.com Dear Rukmani Please find the attached bank statement of my saving account (ICICI Bank). It has been very clear from the statement of account that an amount of Rs 10, 000 has been debited on 3.12.2007 for Visa card to card transfer (To HSBC Card # [protected]). Pls do the correction at your end. Thanking you, Regards, Saleem K. - Show quoted text - REPLY RCVD TO EMAIL NO. 2 from "[protected]@hsbc.co.in" hide details Jan 10 to [protected]@gmail.com date Jan 10, 2008 7:28 PM subject [Ack] Re: Case 4473763 Kind Attn: Manager (Debt Management) HSBC Credit Card mailed-by hsbc.co.in Dear Customer We refer to your email to [protected]@hsbc.co.in. We request you to please allow us 5 working days, to investigate the matter and we would comprehensively revert to you with the confirmation of action taken. In the interim, we would like to thank you for bringing this matter to our attention as it is feedback such as yours which enables us to improve our services. 2ND REPLY RCVD TO EMAIL NO. 2 from "[protected]@hsbc.co.in" hide details Jan 14 to [protected]@gmail.com date Jan 14, 2008 12:54 PM subject Re: Case 4473763 mailed-by hsbc.co.in Dear Mr Khan We refer your message of 10 January 2008. We regret for the delay in response and for the inconvenience caused. We have noted the concern and wish to inform that we have raised the complaint against concern department regarding the payment with reference to the complaint reference Number # [protected], hence we will write to you after 5 business days regarding the status. Further we also request you to quote the above mentioned reference number to enable us to assist you in this regard. AND SUCH KIND OF EMAILS ARE THE ONLY REPLY I KEEP GETTING EVERY TIME I SEND THEM EMAIL.