[Resolved]  HSBC — Complete disregard to customer grievances and totally unresponsive

RE: Your HSBC Credit Card: 5902 (KMM3421379I123L0KM)‏
From: Saurabh Singh ([protected]@hotmail.com)
Sent: 31 March 2009 15:12PM
To: [protected]@hsbc.co.in

Dear Mr. Makhija,

The amount outstanding against my credit card as quoted by Ms. Debika Mukherjee of your office is INR. 1555.18/-.

Prior to this, I was informed in January by your customer care executives on the phone that purchases made by me were INR 1506/- which was duly cleared by me in January itself via cheque.

Since then, I have neither made any purchases nor used the Credit Card. Now as per your u/m mail, you have reversed late payment fees and finance charges amounting to a total of INR. 941.34/- while the total late payment and finance charges levied on my card were INR 1555.18/- as per Ms. Debika Mukherjee's mail.

Thus, there is still a discrepancy of INR. 613.84/- which needs to be sorted out. I would once again request you to clear the discrepancy at the earliest as I do not wish to see any debit against my name when I have actually not incurred a single penny of expenditure on my card.

I have been very careful in paying all my dues as per the payment schedule and all the confusion and inconvenience has been caused due to non- delivery of the expenditure statement to me in time.

Since that time, I have been following- up with your Customer Care executives regularly but the issue has not been resolved. The immediate fallout of non- resolution of such complaints in a speedy time bound manner means that the customer is harrassed whereas HSBC keeps on levying various types of Late- Payment and Finance charges.

Now, may I therefore request you to kindly reconcile the account at your end so that the discrepancy (INR. 613.84/-) is sorted out at the earliest and there is no debit amount against my name. Also, I would request you to ensure that no further charges are levied against my name on 03 Apr '09 on account of non- payment of these charges.

Please acknowledge.


From

The Desk of...Saurabh Singh

Mob No.- [protected]


Your HSBC Credit Card: 5902 (KMM3421379I123L0KM)‏
From: HSBC INDIA NET ([protected]@hsbc.co.in)
Sent: 31 March 2009 14:46PM
To: Saurabh Singh ([protected]@hotmail.com)

Dear Mr. Singh, Reference Number:[protected] We refer to your email message dated 31 March 2009 regarding your HSBC Credit Card.

We have reversed the below mentioned charges along with service tax thatis levied to your card account which will reflect as a credit in your subsequent statement.
Late payment fees[protected]---- INR 800.00
Finance charges[protected]----- INR 141.34

With regards to the above, your request regarding blocking of card has not been processed as we have arranged to reverse the incremental charges.

We are glad to inform you about the e-statement facility which is now being offered to Credit Card customers. Once this option is selected youwill receive your statement on the day it is generated, thus avoiding postal delays and statements being misplaced.

We look forward to your continued custom.

Yours sincerely,
Rohit Makhija
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited