HSBC Credit Card — Payment levied on a non-existing card.

Hongkong & Shanghai Banking Corporation [HSBC]

HSBC Credit Card — Payment levied on a non-existing card.

A abhi134

Hi, After the expiry of my previous C.C of HSBC bank, the bank sent me 2 renewed credit cards, which are the following: 4384 XXXX XXXX 5640 -- Abhishek Sharma 4384 XXXX XXXX 7303 -- Abhishek Sharma Then, I requested them to cancel one card ending with 5640 to them as I had 7303 actively working on my account. After cancellation of 5640, they automatically issued me a new card i.e. 4384 XXXX XXXX XXXX 1767 which has never been delivered to me. As my 5640 card has outstanding amount of 600 Rs so I transferred the due amount on 24th September 2009 on card ending with 5640. The payment got credited back to my savings account due to account closure & without intimating me. To my surprise, bank transferred my outstanding dues on a non-delivered card which was **1767. They keep on charging the interest rates without even bothering to send me the statemant for even a non-existent account. The only statement I received in this duration was for 7303 which was showing zero outstanding. Straightaway I received a notice from the Manager-Debt Management stating that I'm liable to pay 1566 Rs as the outstanding amount on card 1767 (mind you this is the card whose number also I dont know before this notice came coz I never got the statement through post/mail or even through the online account I'm holding with HSBC. My question is why they have not transferred the dues on 7303 which was the card I was holding if **5640 had been purposefully cancelled. Why my dues got transferred to a non-existant card & why I did not get any intimation from the bank that my oustanding is so & so. I can never check the status or outstanding amount information on a non-existent card plus this never delievered card does not have my D.O.B & mother's maiden name which forbids me to get any information related to these dues through phone banking as well. I went to branch too a couple of times but to no avail. These guys keep on playing with the honest customers through unfair practises like this, so I urge consumer court to bring them to justice, coz its not merely about 900 Rs more they charged but spoiling the whole business ethics. Was this information helpful? No (0) Yes (0)

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Comments

Dikshit Khatri

from Delhi, Delhi

hsbc gold credit card — Non Cancellation of Policy even after thorough complaint

The HSBC bank issued me Tata Aig Policy, along with the HSBC Gold Credit Card, I gto the PLocy on 12th March and on 13th March i gave in the request at Tata Aig office for cancellation of the policy, but the HSBC people say that they don't know about this and they even dont synchronize with Tata Aig, in turn i get messages that, I have to pay some amount, its overdue which is because of the premium ammount of the policy and none of it are from my personal expenses, I ahve called HSBC many times around 20 times, but nothing is done till now, this is what a dissatisfactory thing about HSBC is, no response and action.

NEEL KANTH TEWARI

from Mumbai, Maharashtra

hsbc gold credit card — NON Receipt of Pri/additional Credit Card

Dear Sir,

I have applied for HSBC GOLD Credit Card but till date I have not received any primary or additional card althogh I am receiving Credit Card Statements with zero Balance(latest received today for period 16Jan2009 to 15Feb 2009) mentionting Primary Card No [protected], account number [protected] and credit limit 99000.00 I have written you earlier also and request you again that as on today I have not received any credit card and now I am not interested in taking credit card from your company.Please close the account you have opened in my name under advise to me and stop sending NIL credit card statements further.

Thanks & Regards

Neel Kanth Tewari
State Bank of India
Global Link Services
31, Mahal Ind Estate
Mahakali Caves Road
Andheri East, Mumbai-93

Date:19.02.2009

Zaheer Beig

from Pune, Maharashtra

HSBC — Membership fee levied after cancelling the card

Hi,
I had HSBC Silver card for past 3 years.I never used it.3 weeks back I got a call from an executive telling that my card will be cancelled as it is dormant.I said to cancel it and cut the card into peices.Now I got a bill stating that I ahve to pay for the Annual Membership fee of Rs.700.The cutomer care says that my card is not yet cancelled and I have to pay the bill. I think this is blatant cheating and fraud by HSBC. Since I was under an impression that my card is cancelled I didnt even bother about it. Now all of a sudden they levy Membership fee for a card which was given as lifetime free card to me.
Can anyone tell me what I can do about this.I am ready for a legal battle also.

Regards,
Zaheer

regfornow

HSBC — Membership fee for non-received card

Hi,

I had HSBC credit card with expiry date of December 2009. I had hardly used HSBC credit card as there is no worthwhile benefits like cashback or internet credit card bill payment. Even for 2-3 days of late payment, a heavy interest used to be charged. So, I decided not to renew the card upon expiry. In December 2009, the bank sent renewed credit card to my address when I did not request them verbally or orally for it. I declined to accept it from courier wala and asked him to return.

To my surprise, I received a bill by end of December for the amount of Rs.2206 (Rs.2000 for membership and Rs.206 for service tax). I mailed the customer care explaining that I cannot pay for a card that I did not receive and asked them to reverse the amount, but I was replied that "Annual Fee is important from a card issuer's perspective, as they allow us to make available, a variety of benefits to our customers. Reversal of annual fee is offered if such a promotional scheme is applicable. We do not have any such scheme at this point of time and we will not be
able to reverse the fee."

I have not paid the amount after the due date. Will this affect my credit history or something? If so, what action can I take?