[Resolved]  HSBC - Credit Card — False Charges & Harrasement by Collection Team

Address:Delhi

I was using credit card of HSBC for last 3 years. It was given to me FREE OF COST for lifetime. Last month they have charged Annual Fees. I have talked to Customer Care & asked to cancel my credit card. They assured me that the Charges will be reversed. Also she has given me reference no. But, she added that I will not get any e-mail or sms for confirmation.

I got a call on 07-04-10 from bank to clear my credit card dues. I have asked the Gentleman to call me next day as I was out of town (on roaming) & was in a meeting. But he didn't look at this and was continued arguing. I told him about the whole matter. Then he start asking series of questions - When you talked to the customer care, what was the matter etc. I asked him to get the data from your bank server. I hope he didn't look at that.
Again, in the morning when I was on bed (07:19 am), I got a call from another executive regarding credit card dues. I asked him is this the correct time to call anyone? He responded that what we are doing on the guidelines of RBI & the timings are 7 to 7. I asked him that whether RBI has also given you permission to Harass a customer. Why don't you look into your data & check what are the charges & what is the status?
I am getting calls from the Collection team daily since then. I talked to the customer care, they assured me that no body will call me again, but, today I got a call again.
The intention of bank is too bad that they want to generate income by charging False Dues on customer & ask for same later. Because if it a genuine bank then they would have taken my concent before charging Annual Fees to me.
Also I have put up a mail to the bank, but they have not taken any action against this problem.
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Aug 13, 2020
Complaint marked as Resolved 
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HSBC - Credit Card — Card delivery date

sir/madam,

I have applied for credit card in your concern.I believe all the verfication is over.Even on last week, your representative came for office verification and he told that i will get the card in 3 business days.

FYI,
Date of birth:12/04/1984
mobile no :[protected]
Ref no :[protected]
To HSBC BANK,
This is to inform you about a credit card no [protected] for which I have been Froude by HSBC bank. As according to consumer law & fair debt collection practices I must try to to resolve the matter 1st with the service provider it self. When I used this card I was never use to get timely statement in last I have to decide to close the card with a mutual agreement with the bank to settle the card for rs 23200/ for which I have letter from the bank for 7 mar- 2008. Signed by AVP- Debt management (Mr mohit chopra). In this hole process thers been several laws which was taken for granted . a collector came to my house while I was not present and have disclose the debt to my mother were according to law you cannot do that if the customer is above 18 year of age. After paying the balance of Rs 23200 in six installments starting from 15th mar2008 by the cheque no .738832 till the last payment of Rs 3865.00 for aug 2008 by cheque no 036038. To the collection agency HORIZON CREDIT MNT SER, 52 OLD RAJENDER NAGAR 3RD FLOOR NEW DELHI -60. To the collector Mr pankaj. After paying all the installment when asked Mr. pankaj to send us the zero balance letter it was informed to me that this process will take at least 2months and you will be receiving a zero balance letter. After facing with the great hassle with HSBC bank it was understood that will not be receiving any letter for which it was already informed to Mr pankaj . after all these month the letter which I receive from bank is from SANJEEV SINGH & ASSOCIATES ADVOCATES about the same account as still running on default status. Now its to inform you that I have faced lot of mental harassment from the bank regarding the same account which has been settle for which I have paid this is a last try from my end to let you no if you can send me the zero balance letter. Or rest I should reply to your legal notice from sanjeev singh.
Thank you
Abhishek sengupta
Dear sir/ madam

kindly confirm me what is the sataus of my creadit catd my card no is [protected] .

HSBC — Credit Card - false charges

I have applied for one card and not using it from last 1.5-2 yrs. Also i asked them to stop it and register the call. Still it was active and got the call for payment. It must be account renewal charges as i didn't had any transaction over a year. Now recovery agent calling and troubling me every month. will HSBC stop this cheap practices to collect money ? I am sure thats the main reason of showing profit even in this financial crisis.

HSBC Credit Card — harrasement

I was holding a credit card of HSBC from the year 1999 & was using it without any problem.My office changes in the year 2007 january from Gurgaon to Okhla & I informed the bank authority well in advance, but did not received the statment ever from then till now. That time I had made a payment which was not received by the bank & thus I was not aware what was the exact amount to be paid, but had a fair idea that its around rs.5000. However I started receiveing the settlement call from bank frenchise company in the year 2008 ( Creative Solution ), where I commited that I will pay each & every penny which is due on me of the transaction i have done but will not pay any amount which is due to late payment as its no my mistake. Thereafter the executive send me the statment through e-mail & I paid 5450 rs in cash ( this was the actual amount due) to the executive who came on dtd29.07.08, vide receipt no.0307004. As he confirmed that I will receive the full settlement letter in a day or two, i never received anything from them till now. I tried to call this person on the tel no which he gave me but of no use as it was now no longer working. Now every day have been receiveing calls from different executive of bank asking for paying the money which I have already paid. I do not know where to go & what to do further. They have harrased me like hell & all the executives are using abusive languages when ever they call.I have been explaining the whole story too all the executive but of no use. Now I am tired, Please help. I have this receipt which was given to me while I made the payment of full settlement.
Dear Shalini,

It is with regards to your complain posted on https://www.consumercomplaints.in against HSBC.


In this connection I have read your whole details with great interest.There are lot of victims out here who have similar situtation like yours. Please allow me to analyse your situation in the view point of a professional expert with the following points.

1) "" My office changes in the year 2007 january from Gurgaon to Okhla & I informed the bank authority well in advance, ""

What was the mode of information ?

2) "" Thereafter the executive send me the statement through e-mail ""

What was the TOTAL amount due ?

3)"" As he confirmed that I will receive the full settlement letter in a day or two ""

What was the mode of confirmation ? With regards to your settlement ...had you received any letter OR email communication ?


You kindly reply me with the details in order to have a proper and professional advise.

You may write me for any further assistance.

Regards
K Rajneesh
Head
INDIAN CONSULTANT GROUP
( Expert in Banking Disputes & Grievances )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com
i have hsbc c.card, in sep-2008 i transacation 2000/ &i pay before due date, i drop ch.in hsbc drop box, after 15/20 days i call hsbc &said ch.not clear in my acc.they say i dont rec.ch.after 4 days they rec ch.after 2 month he call &you have due payment of hsbc card late fee+ intrest +annual fee charges i say the story then he say ok i reverse the all charges, i say plaese canncled my card he say ok not problem, after 4month hsbc call & say plaese pay the last payment after taht i call hsbc they say your card is closed in march-2009 what i do please please i req, you short out this problem, my name is rakesh agarwal, [protected] card no.[protected]

HSBC — Check cllection charges

Hi,
I did not ask HSBC to send a person at my home for collection of rs 583 cheque.

They sent a person and I was charges rs 100 for the same. They did not inform me that cheque collection charges is rs 100. Nor did I ask them to send one.

HSBC now refuses to revert this charges.


Also, when we got the SBC catd, we were assured that it is life time free card, now they keep chargong every year for my card and add on card and I have to fight every year with them to get it removed.

Can some one let me where do i take my case to.

Thanks,

Mukul
I WOULD REALLY APPRECIATE IF SOMEONE, SOMEONE WHO CARES TO SERVE THE CUSTOMER WOULD SOLVE MY PROBLEM PERSISTING SINCE FEW MONTHS NOW.
LET ME START ONE MORE TIME FOR YOU, I WAS OFFERED A CREDIT CARD WHEREIN I WAS TOLD I NEED NOT PAY ANY ANNUAL FEE (LIFE TIME FREE CARD) SINCE WE HAD A CO-OPERATE ACCOUNT WITH YOU. I WAS ALSO TOLD EVEN IF I HAD TO LEAVE THE COMPANY I WILL NOT BE CHARGED.

LATER WHEN I HAPPENED TO CHECK MY ACCOUNT OF MY SAVINGS ACCOUNT AND THE CREDIT DETAILS I WAS SHOCKED AS I WAS CHARGED AN ANNUAL FEE OF RS.700.10. I CALLED THE CUSTOMER SERVICE CENTRE TO BRING IT TO THE NOTICE IF IT WAS AN ERROR;AFTER MUCH AGRUMENT I WAS PUT TO SOME SENIOR NAMED ELIZABETH (BOGUS). SHE HEARD WHAT I HAD TO SAY AND SEEMED TO UNDERSTAND THE MATTER; HENCE REQUESTED ME TO PAY THE AMOUNT FOR THAT PERIOD OF TIME AND PROMISED RATHER CONVINCED ME BY SAYING SHE WOULDNOT BE ABLE TO CANCEL WHAT CAME ON THE STATMENT;BUT WOULD HELP ME BY CONVERTING IT TO BONUS POINTS AND ALLOW ME TO USE THE ENTIRE AMOUNT BY BUYING SOMETHING FROM YOUR NET BANKING. I RECONFIRMED AS TO WHETHER I WOULD GET THE ENTIRE AMOUNT OF RS.700/- ON SHE AGREED ( ALL CRAP). I ALSO ASKED HER IF I COULD GO TO ANY OUTLETS OF YOURS; SHE INFORMED AND RECONFIRMED STATING THAT YOU'LL(HSBC) DONOT HAVE AN OUTLET BUT CAN USE THE NET SHOPPING FACILITY. TRYING TO BE UNDERSTANDING AND WANTING TO STICK TO YOUR RULES AND REGULATION EVEN THOUGH NOT VERY HAPPY AGREEING TO THE ABOVE CONVERSATION RECONFIRMED WHETHER I WOULD GET MY ENTIRE AMOUNT OF RS.700/- UPON WHICH I WAS GIVEN A POSITIVE ANSWER.(YES).

NOW THAT I WANT TO CLAIM FOR IT I WAS TOLD BY ONE OF YOUR CUSTOMER SERVICE PERSON THAT I NEED TO ALSO PAY AN ADDITIONAL AMOUNT OF COURIER FEE AND I WOULD NOT BE ABLE TO COME AND COLLECT IT APART FROM NOT ALLOWING ME TO GET THE ENTIRE AMOUNT OF RS.700/- THERE IS NO ITEM WHICH IS COSTING RS.700/- BUT INSTEAD ITEMS WORTH RS.600/- U TAKE THE POINTS OF RS.700/- WHEREIN MY RS.100/- IS STILL WITH YOU.WHEN ASKED A QUESTION WHY SHOULD LET GO RS.100/- WHEN YOU CHARGE US AN INTEREST OF RS.400/-ON 10 PAISE IF NOT PAID. ( [censored]EST BANK)
INSPITE OF ALL THIS..I STILL OBEYED THE RULE AND PAYED OFF THE DUES ( looking at your PATHETIC service i have in first place )

I WENT AND PERSONALLY COMPLAINED UPON WHICH I WAS PUT ON TO THE CUSTOMER SERVICE AND THE SAME STORY WAS REPEATED WHICH WASTED MY TIME. I WAS TOLD BY THE ADVISOR THAT I WOULD BE PUT TO THE MANAGER AFTER HOLDING FOR A LONG PERIOD, NO MANAGER CAME TO LISTEN. (AGAIN THE ADIVISORS AND MANAGER IN CALL CENTER ARE NOT DOING THIER JOB OF LISTENING AND HELPING THE CUSTOMER - I WISH THAT ADVISOR AND MANAGER SHOULD LOSE THEIR JOB) I WAS TOLD A SORRY WHICH MEANT THAT WAS ALL THAT THEY COULD DO. THEY TOLD ME TO CANCEL THE CARD WHICH I WILL NOT TILL THIS IS SOLVED.
SO PAY ME MY MONEY BACK / REIMBURSE OR GIVE ME FULL VALUE OF THE ENTIRE AMOUNT. HAVE SOME SHAME.. AND IF YOU REALLY CARE TO SOLVE THE ISSUE AND HELP CUSTOMERS THEN YOU SHOULD START FROM HERE. AND THIS SAME COPY MIGHT ALREADY BEEN FORWARDED TO CEO AND OTHER SENIOR AUTHORITIES OF HSBC. I WONT LET THIS HAPPEN TO ME UNLESS YOU RESOLVE THIS. SO EITHER YOU HELP ME OUT DIRECTLY OR WHEN YOUR HIGHER AUTHORITY MAKE YOU DO IT, CHOICE IS YOURS.
I HAVE WORKED IN RENOWNED BPO, I EXACTLY KNOW HOW THE CUTOMER SHOULD BE TREATED AND WHAT ALL GOES IN THERE TO ESCAPE THE SITUATION.

PS : - HSBC - Have Shame Before Charging

HSBC Bank — Fake Charges + Harrasement

i am using hsbc credit card ..when they issued me card they informed me that it is free for life time. but every year they charge annual fee and later i have to call and waste my time scan the letter received and ultimately they waive off the charges

it take time so they levy interest charges on the defaults...later they call at 6 am in morning , give miss calls and harress me

it has the most pathetic service

so i request everyone not to use the same
Even i too faced the same problem, is there any way to avoid

HSBC Credit Card — false charge

Hi sir,

This is with reference to my Credit card Number [protected]
, which has been closed on July 2007 .It's
very unfortunate that after 2.5 yr i am getting threatening call from
the recovery agent from Delhi from [protected](named as suresh,Brij
timing of call 12:46 date:- 10 November 2010 )

I am being mentally tortured by them again and again to pay the 7000
rs.He is very much abusive as well as he is calling to my relative. He
is just forcing me to give the money that i have already paid.

Full description of settlement :-

ref :- FFS/NI/NDH/NWO/CPD/220607 -1pm

It was decide to give 8000 rs in settlement letter.I given two cheq
4000rs each. (i mentioned that please deposit this on )

but they deposited 5 days before so it's bounced(it
was conspiracy so that again they have some point). then again i get a
call from HSBC recovery agent for deposit the 4000 in cash

with receipt.

I deposited the money and get the receipt. They
told now Ur account is closed.

I verified with the bank they told yeah it's get closed.

HSBC — Collection Charges

When I received Statement for the month of December , it was having Rupees 100 charged as collection charges and when I inquired about this I was told that since 15 Sep 2010 and payment cheque deposited in Skypak or HSBC drop Box or any Cash payment done at HSBC counter will invoite collection charges. When I resisted they have prmised me to refund the money however I have asked repeated many times the reason for collection charges as I have been useing Credit card for almost 5 years and never had this and even when I got the credit crad nobody told me about this..this is totally unjustified and is very much against the customers rights. I have exchaged mails with them however there is no concrete reply in terms of my question.
Please allow me to introduce myself my name is Michael Mason-Mahon and I am a shareholder of HSBC Plc. I am based in London yet I am a very regular visitor to India.

At HSBC Annual General Meeting of Shareholders 2010 I did address my concerns with the Board of Directors concerning what HSBC India has been doing and is doing in India to our customers.

I may be able to help you. I can assure you that I will do all that I can to help you. I have been very successful in the people that I have taken up their cases with HSBC. Now they will not let me help anymore Indian's. You may wonder why, ask the Chairman of HSBC Plc Mr Flint why.

Please go to this site. This is an interview that I did concerning HSBC.

http://www.youtube.com/watch?v...


If customers UNITE in India and decide to leave HSBC India in support of their fellow Indian's, who are making complaints about HSBC India then this may make HSBC Plc take action.
They talk about their Global Footprint and their Integrity. Please look at the following sites and see what the Indian people are saying about HSBC behaviour towards them.

http://timesofindia.indiatimes...

http://www.indiaconsumerforum...

http://www.consumercomplaints...

Now ask yourself is this the Bank for you in India.

So if you would like to contact me and send me your phone number I will call you personally.

Kind regards
Michael

Mobile: 0044 [protected]
E-mail: [protected]@aol.com
Please allow me to introduce myself my name is Michael Mason-Mahon and I am a shareholder of HSBC Plc. I am based in London yet I am a very regular visitor to India.

At HSBC Annual General Meeting of Shareholders 2010 I did address my concerns with the Board of Directors concerning what HSBC India has been doing and is doing in India to our customers.

I may be able to help you. I can assure you that I will do all that I can to help you. I have been very successful in the people that I have taken up their cases with HSBC. Now they will not let me help anymore Indian's. You may wonder why, ask the Chairman of HSBC Plc Mr Flint why.

Please go to this site. This is an interview that I did concerning HSBC.

http://www.youtube.com/watch?v=cB3vbb9Tx7E


If customers UNITE in India and decide to leave HSBC India in support of their fellow Indian's, who are making complaints about HSBC India then this may make HSBC Plc take action.
They talk about their Global Footprint and their Integrity. Please look at the following sites and see what the Indian people are saying about HSBC behaviour towards them.

https://www.consumercomplaints.in/?search=hsbc%20credit%20card&;page=2

http://articles.timesofindia.indiatimes.com/[protected]/hyderabad/28107457_1_credit-cards-hdfc-bank-hsbc-bank


https://www.consumercomplaints.in/?search=hsbc+bank

http://www.hsbc.com/1/PA_1_1_S5/content/assets/news/hsbc_11142002.pdf

Offers exciting opportunities to extend Household’s business model into countries and
territories currently served by HSBC.
Now ask yourself is this the Bank for you in India.

HELP STOP ABUSE OF CUSTOMER’S in India

So if you would like to contact me and send me your phone number I will call you personally.

Kind regards
Michael

Mobile: 0044 [protected]
E-mail: [protected]@aol.com

HSBC Credit Card — Asked for credit card but they didn't call yet.

I have asked for HSBC gold credit card. Got reference no. from them. But did not get any call yet. Its been 6-7 days i got ref no. I do not know whats the problem. Please find my details below:
Name: Gaurav Sotani
mobile no.: [protected]
reference no.:[protected]

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