Hongkong & Shanghai Banking Corporation [HSBC]

[Resolved] HSBC Bank Credit Cards — HSBC - Credit Card - Cibil

amitbalyan

from New Delhi, Delhi

Address:

Uttar Pradesh

I was a customer of HSBC India - I had a complaint but HSBC India did not do much about it. I got a HSBC credit card and i was getting all my statements as e-statements- In November 2007, the security device (the password generator) stopped working since then I was not able to login and check any statements regarding my payments. I informed HSBC about this situation and they assured that they will send the duplicate statement in 5-7 dates. I never got the duplicate statements from HSBC.
I intimated HSBC time to time that I am not getting statements and I am having a rough idea of amount (around 7500 INR). Every time I got the reply in 5-7 days and no statement was delivered. I stopped shopping from CC in Nov 2007 only. At last, in March 2008, I contacted there nodal officer and informed about the situation.
There nodal officer said sorry for the above condition and assured me that they have enabled the paper statements for the period November 2007 to March 2008 and they will dispatch them. Again the same situation and I did not get any statement. I asked them to mail the statement and they said they cannot do it because of security.
This matter grew up and finally on telephone they said me to pay 16000 as my outstanding. I replied them that why should I pay you for the mistake at your part. I said that remove late fees and interest and I will pay the amount.
Now in Sept 2008, HSBC offered me to pay only 9000 and HSBC will send me new statement with 0 outstanding and I did so. I paid those 9000 and got the statement from HSBC with 0 outstanding. Now in July 2010 I applied for Home loan and came to know that my name is in CIBIL for the same HSBC card and with outstanding 22000/-
I provided all documents with 0 balance with HSBC Credit Card, settlement letter and all evidences of emails and cased ids with HSBC to my banker. Though my banker has disbursed me the loan amount but I am really unable to understand HSBC for putting my name in to defaulters list of CIBIL.
I have all the evidences of communication with HSBC. Can I move to consumer court against HSBC and I have to do so that HSBC can not make fool of people.

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Aug 13, 2020

Complaint marked as Resolved

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Comments

vilas damle

from Anand, Gujarat

HSBC Bank Credit Cards — excess billing of crdit cards

vilas damle
c//44/4 rishi nagar extn.
UJJAIN 456010

Dear sir,

CREDIT CARD NO. [protected]
STATEMENT OF ACCOUNT FOR THE MONTH OF OCT 2009

I am in recepipt of the statment of account for the above card, as per copy enclosed.

I have to submit as under:

i) I had applied for a credit card in the year 2006, and the same was issued to me with an understanding that NO joinin or membership fees are payable. Accordingly nothing was charged.

ii) Upon expiry of the validity of the card, I dit not apply for renewal and it appears that the same was renewed by you on your own. The so renewed card was not received by me for long. I intimated your customer service to discontinue the card. Upon which a card was dispatched to my address. ( I do not understand as to how the statement bears my old address). Incidentally I may inform that there is another change in the address upon my transfer to present address.

iii) I have received statements for October 2009 which reflect a debit towards membership charges on Feb 2007. This is probably the only statement received by me in the last two years., reflecting a debit entry. I did not have any intimation to this effect to enable me to take a suitable stepearlier.

iv) I am not usinig the card.

The bill which i have received for the month of October 2009 for Rs.6865 which is not due from my side.

I request you to : Membership fees are not chareable and payable by me, hence reverse the entry with interest. DISCONTINUE THE CARD IMMEDIATELY IF NOT DONE EARLIER

DO NOT RENEW FURTHER. PLEASE WAIVE ALL THE CHARGES AND CANCELL THE CARD AND INTIMATE THE SAME TO ME AT THE MAIL ID [protected]@indiatimes.com or to my postal address.

PLEASE ADVISE ME HAVING CARRIED OUT , AS REQUESTED ABOVE, TO MY PRESENT ADDRESS.

YOURS SINCERELY,

(VILAS DAMLE)

pervej munjal

from Gurgaon, Haryana

HSBC Credit Card — Estatement

i have blocked my card in nov 2009
and not request a new card
but in dec they have send me statement and some cherges on issue of new credit card and some fees for a year
but when i have applied for credit it was free of cost

regards
pervej munjal
[protected]