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HSBC Credit Card — Card Cancelled but bills and late payment

Hi
I had taken HSBC credit card which I had to cancel after they charged unfair interest charges and late payment charges inspite of paying the amount in full on time.
Now after I have cancelled the card, they have been sending me bills with late payments charges and interest charges.Now i have been complaining to the customer care, collection department and via emails and complain sections but to no avail.

The worst card you can have in your kitty and the most idiotic customer care.STAY AWAY FROM ALL HSBC things

Prakash
Complaint comments  18 Comments     Updated: Share0Tweet0

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HSBC Credit Card — Billing for cancelled card

I was holding hsbc credit card no [protected], the same was issued as no memebrship card by the dsa, but first year bill came i have sent the broken card for cancellation to the hsbc, instead of cancelling the card they are sending me monthly bills with service charges etc.
To

Customer Complaints Forum

Subject: HSBC Credit Card Grievance

Sir
I received HSBC credit-card with an add-on card as well with a letter dated 26 July’ 2007, Ref No. [protected] N. The main card is on my name i.e. Kapil Kathuria, Card No. [protected] and the add-on card is on my brother name Manish Kathuria, Card No: [protected].

HSBC has not shown their moral obligation of sending an itemized statement of account at my mailing address or through an email ID even after numerous calls to there customer care as well as to there collection executives.

HSBC lacks proper coordination between there departments which is a shame as per there status.

HSBC play foul games right from the start when they do not inform the customer of there due dates through itemized statement or a call from there collection executives (We only receive the call when we pass the due date of payment) and then they want to cash on to the late payment fees. This is an act of indecency.

On 18th January 2008, we received the call from HSBC collection department as well as there customer care for the due amount, we verified the transition over the call and release the payment the next day on 19th January’ 2008 at HSBC Bank, Sector-18, Noida. I have done the last payment of the above mentioned amount despite the itemized statement and an assurance from the customer care that we will receive the statement there after. I have no hassle to pay my dues, it is my duty and my liability but I have the right to know about my transaction details as well.

Since this is the duty of HSBC. The “The world's local bank”, with 150 Years in India, who mention in depth about there Banking Policies and Fair Practice Codes in there website, they have FAILED MISERABLY on this aspect as well as on the care for a customer which should a prime focus for a bank.

HSBC is losing this to there competitors who at-least understand there customers and try there level best to solve there grievance and make them loyal and a part to there big family.

Now at present I am getting numerous HARASSMENTS and THREATENING CALLS from HSBC on the dues of my account. I am holding the amount asking them to release the itemized statement to check transaction of my card as well as the add-on card, which is my RIGHT.

HSBC should have to make sure that they not only release itemized statements from August’ 2007 to till date but also wave-off the pending late payment fees leveled on my account and on my add-on card as well.

This letter should not fall to deft ears. This is a plea from a bleeding customer.

Regards
Kapil Kathuria
+91-[protected]
New Delhi
Dear Sir

I had applied for HSBC Bank Credit Card about a ten month back. Verification call was made to me twice regarding this. However, Credit card has not been delivered to me till now .but they sent me always massage As card NO. ****9107 . NOw i changed my resident my new address is 3f pocket 1 mayu vihar ph -1 new delhi 91
Regards
Anirudh kumar
[protected]/[protected]
my name is shiv kumar pal and my credit card number is
[protected] .i have already pay . but my side total due 4190/- this is totaly wrong ammunt.
pls reverse my ammount...


shiv kumar pal
[protected]

HSBC — Card not cancelled, bills and late payment charges

Hi
I had taken HSBC credit card but after few months i faced irrelevant charges and interests. I requested to cancell the card and they didn't. After that i destroyed it. Later after one year i got a bill statement of Rs. 40, 000/- to be paid. In which they had shown Rs. 18, 000/- of purchase which i never did and huge amount of interest and that too when i applied for the cancellation of the card.

The worst card you can have in your kitty and the most idiotic customer care.
STAY AWAY FROM HSBC

HSBC Credit card services — Bill not received but late payment charged

Dear Sir,
Please refer to your statement for credit card number [protected] for the month of December.
I am disgusted to see the late payment fee levied for Nov without your sending the staement to me.Levying a late fee by not sending the statement is cheating the customer.While I will settle the bill this will be the last time that I will be dealing with HSBC please cancell my card forthwith and confirm as I do not wish to transact with an organisation which does not have basic process in place
Hi

HSBC do not inform the customer of there credit card due dates through itemized statement or a call from there collection executives (We only receive the call when we pass the due date of payment) and then they want to cash on to the late payment fees.They charged unfair interest charges and late payment charges inspite of paying the amount.Now i have been complaining to the customer care, collection department and via emails and complain sections but to no avail.

The worst card you can have in your wallet and the most idiotic customer care.
PLEASE STAY AWAY FROM ALL HSBC things.

Regards
Anand

HSBC / Credit Card — charges levied on card for no fault of mine

HSBC has been charging late payment fees, interest etc for no fault of mine. This is happening for last 3 years. Inspite of repeatedly telling them about this issue, there is no action omn their part for reversal of charges. I am getting calls from Delhi from their outsourced recovery department...

I don't know how to settle this ? As there is no default from my side, making any single payment to HSBC is just ruled out.
Sir/Madam,

I am HSBC Credit Card Holder bearing No.[protected], I have received a credit card statement from 7th Feb, to 06th March, 2009. As seen from the statement i have observed that on 18 Feb, 2009 you are imposing an amount of Rs.700/- (Rs.350/- + Rs.350/-) towards M/s. TATA SKY LTD, Mumbai IN which is wrongly claiming in my Credit Card Statement. In this connection I request you to verify and inform the correct figure of amount for arranging payment.

Thanking you,
M SHYAMBABU
Credit Card Holder bearing No.[protected]
Cell No.[protected]
Dear Sir,
It is informed to you that I am a HSBC Card holder & my card No. is
[protected]. My Card has been blocked without giving information
& No any dues are pending. So Kindly activate my card as soon as possible.



THANKS & REGARDS
OMBIR KUMAR
M:[protected]
GURGAON
as i have done settlement of my card no [protected] on august 08 in Rs 50198/- in two installment
and i have given claque of amount 10, 0000 and 40, 198 on same date, resit no cpd[protected] and cpd[protected]
but suddenly i am gating calls that i am having outstanding of 50, 000.
pl. look into the matter
deepak
as i have done settlement of my card no [protected] on august ref: ffs/ni/jpr/nwo/cpd18082008/jy 08 in Rs 50198/- in two installment
and i have given claque of amount 10, 0000 and 40, 198 on same date, resit no cpd[protected] and cpd[protected]
but suddenly i am gating calls that i am having outstanding of 50, 000.
pl. look into the matter
deepak
The same things has happened with me.

HSBC Credit card runs its business that way in India through fraud, threat & irregular financial practices.
They try to extract large amounts of money from people in middle class families with jobs, to generate work & money for their employees, to grow their company in India.

As soon as Govt of India and RBI realise that they are harassing people they should be out of business.
You can either try to negotiate with them else write a complaint to RBi Ombudsman.

Regards,
Vicky
Hi,

The same case they id with me...I have cleared all my dues and closed the card but they were continusly charging me late payments charges and when I called them for clarification they keep on saying that call this and that number your card is not facilitate here.After 8 months recovery agent called me to for clearance and asked me to pay atleast 1000k to clear everything and I did. But this time again they sent me they late payment charges on increasing amount.

Please suggest dwhat to do with these stupid banks whcih unneccessay shallowing our hard money.

Regards,
Jaishree
Hsbc has been charging uneccacery charges against my credit card no-[protected] after paying the whole amount used by me. This is very unfair that the bank has charged interest and emi charges after being fully paid before the due date.Bank has to leave all the charges .
Date[protected]
To,
HSBC

Dear Sir


Re : Credit Card No.[protected]

I am employed with Everest Industries Limited having office at Mumbai. In or about Feb 2006, your marketing representative visited my Thane office and gave demo for the usage features of your card. While I was inquiring about the features of your card, your marketing representative obtained my signatures on some forms and obtained some documents from me for purpose of noting my name as “interested member” for filling inquiry form. Subsequently your Bank Credit Card bearing No[protected] was posted to me at my office address.

I say that without my using your card, your Bank sent me statement for Rs.210/-.approximately. I say that I immediately called your customer care number putting forth my grievance and called upon them to cancel my card and terminate services with immediate effect. I also called upon them to sent me letter for “No claim”, to which they showed their inability and stated that same is granted only in case where there is any dispute above Rs.1000/-, however they assured me that card is cancelled and services are terminated. I say that subsequent thereof, I have not received any statement from your bank till date.

I say that from last about 15 days, I am receiving sms from your bank for payment of Rs.4570/- towards aforesaid credit card pending bills. I had never imagine of such conduct from Big Banking Corporation like yours. I say that without usage of your services, how can I be made and forced to pay charges levied by you. I put forth my grievances with your customer care at Ram Maruti Rd branch, Thane who showed their inability to locate my bills and pending dues. They were also unable to provide me any Bank statement though I was ready and willing to bear the cost for same. I say that I also spoke to Mr.66667070 of your Bank collection centre at Mumbai,[protected] who responded to me rudely as if I am bring defaulter / criminal. I say that thereafter I spoke to your Delhi Recovery Cell at Telephone No[protected]/45023968 with Mr.Basant, who was also not able to resolve to my problem or provide me statisfactory reply.

The said act of your to grab heavy & exorbitant amount from me for no fault of mine speaks of your volumes and attitudes to procure money by adhering to illegal means & making trap for the innocent customers like me.

I am therefore now constrained to put forth my grievance in writing for necessary action and resolution of my grievance. Request you please look into this matter and advise what should be my next step.
Yours truly,
Arun Shankar Kushwaha
CC to for information and record

A) Thane
B) Mumbai
C) Delhi

HSBC Credit Card — Cancelled the account still got bill

Hi,
I have cancelled the card on 4th Jan 09, expected to get the bill with zero amount in it as I have already cleared all the outstanding amount and din't do any purchases later.

I was surprised to see the bill with Total purchase outstanding and service tax in it. When called the customer care I was told the billing date was on 18 the hence this one. Is this a valid reason!!
And on top of it he says if you want to pay pay it. Otherwise leave it!. Leave it to add to the interest and their phone calls which are annoying!!

Am not sure as this amount can be ignored as the billing statement has this too." You have cancelled this account. Whilst we are entitled to demand payment of the total balance outstanding, providing your account remains in order you may continue to pay the minimum payment due shown on your statement"

What does this mean?

The customer care executives are not customer friendly. Better to avoid HSBC!!!
This is to inform you that I was an elite customer of yours and i was holding a gold credit card of yours by card number 4384xxxxxxxx4186 by my name "MANUJ KAUSHESH" However while i was applying for a credit card, i was denied saying that CIBIL records suggest that an outstanding of Rs 13315 was reflecting in my account for which the account was Wriiten Off. I had paid all dues way back in 2007 and also The amount mentioned has not arisen out of my purchase and non-payment but for the debits of the annual renewal fees charged by you. Please note that at the time of offering the card your marketing team had given me to understand that the card given to me was life time free of charges. I Contacted your Customer care and recovery departments who said that this was their mistake and would no more reflect. I got an NOC from you but still in CIBIL the record appears as WRITTEN OFF.

After several repeated requests to your executives, I am unable to get this issue sorted out. Plz note this has affected me a lot as I had been denied Loan and Cards. It is Unethical and objectionable that such a thing I am facing for no Fault of Fine. I request you to issue NOC stating that there are no dues pending in my account and this is not a WRITTEN OFF account but fully paid.

It is too much for me now as it has started affecting my urgent Loan Needs. This is going to be the final letter to them and if there's no response from the bank and i have to register a complaint with RBI in this regard.

Regards

Manuj Kaushesh

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