[Resolved] HSBC Credit Card — Charges on undelivered credit card.

Hongkong & Shanghai Banking Corporation [HSBC]

[Resolved] HSBC Credit Card — Charges on undelivered credit card.

G GURDEEP KAUR from Mumbai, Maharashtra

CHARGES ON UNDELIVERED CREDIT CARD HSBC neither delivered me the credit card nor I have used their credit card at any point of time.and now I have received a payment detail in which they are showing total payment due Rs.7,504.26 and they have shown the PRIMARY CARD NUMBER - [protected]. Whereas the fact remains the same that the said card was never delivered to me and I never made any purchase by using the above said credit card AND the HSBC bank has put the said amount in CIBIL. Therefore may please be directed to delete my name from CIBIL Was this information helpful? No (0) Yes (0)
Aug 14, 2020 Complaint marked as Resolved
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sajeevk2004

from Pachperwa, Uttar Pradesh

HSBC Credit Card — Bills for Undelivered card

Case History:
I purchased a HSBC card xxxx-xxxx-xxxx-0165 (and an add-on card xxxx-xxxx-xxxx-8492) in july/2006.The expiry date of both the cards were july/2008 and card Limit was 15, 000.The main card (ending with 0165) is against my name and add-on card (ending with 8492) is against my wife's name.

I was working in Bangalore when I purchased this card.I quit the bangalore company in December/2006 and joined a company in Mumbai and presently residing in Mumbai.

I never used both the cards(main card ending with 0165 and add-on card ending with 8492) and not even done any single transaction on both of them.

Complain:

Now, I am getting calls from recovery department, HSBC about paying balance of about Rs 46, 000 against a card no. xxxx-xxxx-xxxx-0948. They are saying that there is some transaction on this card (xxxx-xxxx-xxxx-0948) after July/2008.But this card (ending with 0948) is not the one which had parchased earlier.

When I verified the HSBC department, they said that HSBC delievered a replacement card xxxx-xxxx-xxxx-0948 after the expiry of my card (main card ending with 0165 and add-on card ending with 8492) to the Bangalore (old company) address.But as I had already quit the company and shifted to Mumbai in December/2006, I didnot received this replacement card (xxxx-xxxx-xxxx-0948) after expiry of my cards (main card ending with 0165 and add-on card ending with 8492).

I want to know why HSBC delivered the card without verifying my identity and knowledge. I know that as the Telephone No./mobile No./email Id updated in HSBC record was invalid after December/2006, then they should not have delievered the replacement card.

I can understand that the replaced has been misused by somebody.But why should I pay the pending amount as this is a fault of HSBC.

I will not pay the amount pending against the card (xxxx-xxxx-xxxx-0948) as I am not responsible for all this irregularities. I request you to please look into this matter.