[Resolved]  HSBC Credit Card — HSBC credit card ( they misused my name and documents)

Address:

Bangalore, Karnataka

Hi Sir/Madam,

I have received a notice from The Honkong & Shanghai Banking Co., Ltd, #84, Ghandhi Bazaar Main Road, Basavanagudi, Bangalore – 560084 for the outstanding balance of 5,31,618.54 rupees on the credit card No: [protected].

I did not apply for this card in The Honkong & Shanghai Banking Co., Ltd.

I did not receive the card bearing the number [protected] and I did not make any transactions using this card.

My permanent address is the same for few decades, my local address in Bangalore is the same from December 2007 to till date and my mobile number ([protected]) is also same from August 2007. The Honkong & Shanghai Banking Co., Ltd did not communicate to me either through postal or telephone or e-mail service till date regarding delivery of the card, monthly statement, due amount, etc. All of a sudden, on 4th October 2010, I received the notice for the huge outstanding amount to my permanent address. The area pincode (641001) mentioned in the notice is also not correct. My actual area pincode is 628501.

I have spoken to the contact as mentioned in the notice, Mr. Tharanth Ramamoorthy, Manager of Basavanagudi branch. Initially He said that card was delivered in Nov 2007 and later He said that was a renewal card for another credit card. He is not giving much details of the credit card account.

In Nov 2007, I have applied for a credit card in The Honkong & Shanghai Banking Co., Ltd., received a credit card bearing the number [protected], used that card, and paid all the dues to the bank. This account was closed by the bank on May 2010 and no additional card is issued for this card. I have attached the no due letter that I received from the bank’s customer care. That letter clarifies the above mentioned details.


I think, either bank sent the notice to my permanent address by mistake or someone misused my name and permanent address for their application and bank did not verify the application properly. The Honkong & Shanghai Banking Co., Ltd. has to check their records properly and scrutinize their credit card application process

am going a lodge complaint in RBI . If necessary action is not taken I will involve media as well. Your immediate action will be appreciated.

I hope you will understand my present position and help me in this regard to get rid of this situation and resolve the problem at the earliest!

Thanks,

Subramanian Manickam
[protected]/mani.[protected]@gmail.com