[Resolved]  HSBC Credit Card — False Commitments, undo changes and mental harassment.

Hi,

In 2006 We had received a proposal for Credit Card for all the employees of my organization. We were told by the HSBC Bank Agent that we will be given "Life Time Free Credit Cards" (No charges at all) and that the credit limit will be around Rs. 1, 00, 000 to Rs. 3, 00, 000.
However, when we received the cards, the credit limit was mere Rs. 20, 000. (I have other credit cards which have higher Credit Limits). So, I decided never to use this card at all. (I was least bothered as I did not have to pay even a rupee to use or not to use it).

In the mean time, I have not received any single statement about any charges, or any call or any E-mail notifying me about anything.

After 2-3 years, I received a call in the morning (26-27 April 2009) on other phone no. (I do not know how did they got this number?)(This is not on my name) stating that there are Rs 11, 300 due on my card. The caller was "Sayyad" from HSBC Bank. When I inquired about what these charges are about, he said he does not know that. This is "Legal" department. And I have to pay the charges. I said you must listen to my complaints before even asking me about the payment. He said that he does not time. When I said its OK, he can disconnect call. Then he clarified that he said "I (Amol) does not have time to wait and must pay the amount before 1:30 PM that day". Even after explaining that how I have been cheated, he kept asking for money. When I explained that I have never used the card, at that time, he gave exact details of all the expense (which were not available with him). The charges were as follows:
1) Annual Usage Charge: Rs. 750 for two years. (Not told to us at the time of issuing the cards).
2) Late fees on that.
3) Interest on that.

I explained that, it is clear that I have been cheated by HSBC Personnel. However, demand for money did not change. We talked about the minimum amount that I have to pay. I said I will give consideration.

However, I felt that I should not pay the charges and told him so. And then the person started threatening me that, I would be in 'Defaulter's list". I would not receive any loans and all. I said him that I have other bank's Credit cards as well. I have auto-debit for them. I have never been late for payments. So, I do not think this would affect me to such an extent.

Next day I again received calls with different name "Abanit", he impersonated as my friend and tried to talk to my family. However, when it was told to him that it is company's number, his language kept on becoming foul and foul. He even threatened saying that "he would cancel my US Visa".

I KNOW THAT I HAVE BEEN CHEATED AND I DO NOT WANT TO PAY THE CHARGES, NEITHER I WANT MY "CREDIT RATING" AT CIBIL TO BE AFFECTED AT LARGE. PLEASE HELP!!!

ALSO, (FOR ALL) HAVE DISCIPLINARY ACTION AGAINST THAT AGENT AND STRICT OBSERVATION OF COMPANY ACTIONS BY GOVERNMENT.

* Peculiar things about the whole incidence:

A) CONTACTING ME:
1) I was contacted on the phone which is in a different user's name. How and why should they call me on any other number.
2) For last 2 years, I did not receive any call, or any Statement by mail or E-mail.

B) CHARGES:
1) We were told that there would be no charges at all.
2) The credit limit was promised different and was given different.

C) LISTENING TO COMPLAINTS:
1) The person was not ready to help me out with my complaints. He just wanted money and that is all.

D) TIME TO THINK OR ACT ON THIS:
1) He was not ready to give me any time to think or complaint to the Customer Support at all. He said that he will send the person and he wants all money in cash in the afternoon.
2) Next day also same thing.
(If I was not supposed to have much time, how could he give me time on next day also.)

E) INFORMATION ABOUT CHARGES:
1) First he said he does not have any information.
2) Later he gave me all the details of charges.
3) All the charges are untold and false charges, late fees on these charges and interest on that.
4) Also, the amount kept on changing every time. Which was not clear why?

F) BEHAVIOR OF THE HSBC AGENT:
1) Impersonating ad using false and different names.
2) Not really ready to listen to my complaint.
3) Threatening language later on.
4) Use of Foul language even with females and shouting, arrogant and abusive language.
5) Calling continuously on that number for long time.

G) THREATS:
1) I would not get any kind of loan for next 7 years.
2) He will cancel my US VISA.
(This one is serious. Can these people do this? Even threaten about things that they can not do?)

I want help as I do not want to bear the loss because of being cheated and also do not want the credit rating to be affected.
Also, the behavior of these banks and agents to be strictly under observation and strict action against the agent.

Thanks!