[Resolved]  HSBC Credit Card — Harassment from Recovery dept without proper split of the principal amount

To,
General Manager,
HSBC Customer Service,
Credit Card Services.



Subject: Prolonged delay in the credit card billing dispute resolution

Dear Sir,

I am disputing over the entire amount against my credit card which has rapidly mounted around the 9000Rs/- mark till date. I have been following up this case since October 2007 till date with minimal ‘CONCRETE’ response from the HSBC Customer Service department. Each instance I enquire for an explanation on the dispute (via email) , I receive an instant ‘Reference Number’ from HSBC. The reply to the dispute does not contain any kind of concrete analysis.
It all started from the month of October 2007 when I did not receive my statement for the month Aug – Sep 2007 at my official address due to some unknown reasons.But,I received a call from HSBC Collection department at Malad (West) Link road on the 3rd October,2007 requesting to make a payment of 4800Rs/- by the closing hours of 4th October,2007.We fulfilled this request on time & I am attaching a photocopy of the same for your review.From that month onwards we started receiving statement with Late charges,joining fees for the Primary & secondary card.I did speak to your office from Chennai & the executive promised me to reverse the late fees & other additional charges.But as you know,you speak to one person & next time the case needs to be explained from scratch.This process continued till I finally had to travel out of India.My card was blocked but still I was receiving the monthly statements.I replied several times via email & also requested HSBC to send an executive in person to settle the disputed dues during the specified time I would be in India.I did receive a positive response on email but no Concrete action.
This time I have lost my trust in HSBC & made a sincere effort on the 5th June,2009 to call the HSBC Customer Service Centre & settle this prolonged dispute once & for all. I was given different contact numbers. Finally, I spoke to a commanding Assistant Manager named Mr.Ajay Joshi on[protected].He assured me to retrieve the details of the pending payment against which I was accruing interest.Also,he said that if I fail to make a payment of 250Rs/- by the end of 5th June,my case will go to the legal department.I did make a cash payment as you can see in the supporting documents.As it was a old case,he said it will take 1-2 working days for retrieval of the data.I did remind him on the 9th June,but he said 2 more days.This added up to my frustration which compelled me in composing this letter.
HSBC being one of the most coveted & respected MNC Banking company in the
world, I wish to continue as a HSBC “satisfied” customer.Kindly investigate this dispute and provide me with a written analysis of the outcome.

Thank You for your time and attention to this matter.

P.S. AS THE CARD HAS BEEN CLOSED SEVERAL MONTHS AGO,I SHALL NOT ENTERTAIN ANY FURTHER STATEMENTS FROM HSBC HEREAFTER.ALSO,I SHALL NOT BE MAKING ANY FURTHER PAYMENTS TILL THE DETAILS OF THE PRINCIPAL AMOUNT ARE SPELLED OUT CORRECTLY.


Sincerely, Edward Fernandes
(HSBC Customer)