[Resolved]  HSBC / Credit Card — Harassment and cheating by hsbc bank

HSBC Credit Card — Finance Charges for making payment on Time & Harrasment by Collection Agents

I had deposited Check for Rs 1909 in Month of Jan 2008, towards my Credit Card Payment, However the the same was debited for Rs 1404 only. When i bought this to the notice of HSBC. They insisted that me (customer) should ensure that amount is correctly debited. Hence I got the correct payment made within a week by personally visiting the Bank. Inspite of these they are still levying finance charges. Also inspite of Nodal Officer of HSBC agreeing that it is incorrect on HSBC's part. They are still levying finance charges. Also today their goons (so called collection agents) made a call to me. My Q's are

1) Why did HSBC did not raise the issue when cheque issued for 1909 was debited only for 1404.
2) It was the customer (myself) who had to intimate both yourself & Bank regarding mistake.
3) Even after requesting for assistance HSBC did not pursue the matter.
4) Then without the help of HSBC, i had to spend time and effort to go to bank and do requisite follow up to make the correct payment & i got it done within a week.

HSBC needs to Answer i[censored] Even after doing all the above HSBC thinks that I am due for late finance charges,

HSBC -Credit Card — Incorrect finance charge add by the HSBC.

To,
Customer Care cell,
HSBC Bank

I am vivek Rathore Holding your credit card for more than a year & when you see all the previous the Payment record you found very good record because in the last one year your all the credit card statement was correct (Transcation details) in all the aspect . Last time I depostied the cheque in the HSBC Bank but due to the certain reason payment was not credited to HSBC, In the meanwhile I received the call from you customer care cell & he told me that pay by the cash in the HSBC Bank to avoid the late charges & immediately I deposited the cash amount to HSBC, Race course road indore branch . But today when I received the credit card statement I observed following non-conformities :-

Date Description Amount
16. May 2009 Late Charges 400
16 may2009 service tax 41.20
23May2009 Finance charges 368.18
for last statement
23May2009 Service tax. 37.92
23May2009 Finance charges 738.66
for this statement
23May2009 Service tax. 76.08
I request to you, please deduct all the above transcation amount from my acount because I am not liable to pay that amount & Sent the fresh statement to me for paying the due amount .
i am liable for paying the outstanding amount of RS-/-16259.68 as per my records.
Yesterday i spoken to your customer care Pune no for arounf 20 minute, she agree to reverse the late purchase .


(Apart from that major descripancies in this transcation date of the details of dated 09 May- Hotel Delite, Faridabad, 11- Big Bazar, 11 -Encore hotel ).




Awaiting for the prompt response

Regards

Vivek Rathore




Regards,

Vivek Rathore

[protected]

HSBC Credit Card — Harassment by HSBC

My name is Prarthana. I was issued a credit card (card number [protected]) by HSBC.I misplaced my credit card in frist quarter of 2005.When I realised sometime in March/April that my credit card is missing from my purse, I immediately gave a call to the customer care to deactivate my card.They asked me to make a payment of Rs.786, which was outstanding on my account and confirmed that they would deactivate my account. I made the said payment( have a bank statement to support this transaction). However HSBC did not deactivate my card. Pls note that HSBC never bothered to send me any card statements or deactivation confirmation. Since i was not receiving statements, the logical conclusion was that my card had been deactivated and cancelled.
However, that was not the case. There was no action taken by HSBC after my request and payment and my card was not deactivated due to which it was misused by someone. Since then, HSBC has been after my life to make payment of sometimes 84, 000 odd, sometimes 64000 odd and now 36654. All this while, they have been calling and threatening me and my family and abused me as well.
I have written a letter to the Head of credit cards in HSBC complaining about this and requesting to furnish me proof that i have made all these expenses on the card. They have till date not been able to furnish any proof of such expenditure neither have they sent me any statements. I have confirmed to them that if they are able to furnish proof that I have made all these expenses on my card after it was mispaced and after my request for deactivation, then i am ready to make all payments and settle dues. After a series of threats and abuses done to me and my family by HSBC, they are now threatening to file CIBIL case in my name.
I am a finance professional working with a reputed organisation. HSBC has no right to defame and degrade honest citizens and harrass them like this.

Please help me out with this.

I had an account with hsbc, Art Van. owed 4, 767.00 on the account, it was paid off in full by the due date.They keep calling me to pay off fiance charges on the bill that was already paid off. So what is a person like me to do.

HSBC Credit Card — Harassment by Bank

Dear Sir / Mam

I have been having HSBC Gold No. [protected] Card since Feb 2005, In November 2008 I was offered Rs. 45, 200 CASH ON EMI with fairly Decent interest with 1 % service charge which I availed . Rs. 4423 X 12 Installments .
In January I got upgraded from my gold card to platinum card considering my payment record which again had no fee. All the Credits and EMI's were suppose to be transfer d from my gold card to platinum card.
Since first statement of my platinum card has been received in Feb2009, the entire amount which I had availed from the bank on EMI has been accumulated to Total payment due with a month's deadline.
I have been charged interest + processing fee + all applicable taxes on Rs.45200 for 12 months and now being forced to pay the entire amount back 1 shot .
In spite of persistently calling bank's call center for for about 4 months now, we have not received any satisfactory response or for that matter any revert from the bank.
In may2009 after communicating with customer service I was promised a revert with in 72 hrs as this was an special case to them and the bank was at fault. But 2 months down now, no revert yet.
We have been making payments as per our EMI regularly and ispite of that there is hell lot of additional charges reflecting every month

Now worse is that I have been getting threatening calls from their collection department since last 10 days, Inspite i tried explaining the problem to them their tone is getting worse day by day.

I tried to touch base with the bank again on the progress of our case 18th July 2009 . (1130, 1205hrs), but phone was banged down after listening to my complaint and had no revert after that.
I would really appreciate if you could help me taking legal action against the bank as they have been harassing me since last five months .

Regards

R.K Luthra
[protected]

HSBC — An act of cheating by HSBC

I have taken HSBC card (no. [protected]) and canceled it on 25.01.2006 without using or swaping it even for single time.One Insurance policy of Tata AIG was offered over telephone by HSBC in NOV,2005 with a condition that it will be cancelled if I communicate my unwillingness to join the same. After getting policy I communicated my unwillingness to Sr. Vice President Mr Rajneesh Bhel by FAX immediately and next day I got a phone call from HSBC Mumbai office and when I confirmd again they told that they will cancel the policy.But they did not take any action and started sending the bill continuously with piled up interest. On 24.07.2007 they threatened me of sending my name to CIBIL. I did not agree for their one time settlement offer and took up the matter with HSBC Customer Complain. Afterwards I received a phone call from Mr. Rahul on 5thJanuary'09 and he asked me to pay Rs 3000/= as final settlement to avoid further complications. Though I insisted for advance settlement letter, he told that it is not possible as per HSBC rules. He also confirmed that his person will write the same in the receipt and final settlement letter will be sent within two days. Believing his words I issued the cheque and got the receipt (no 0354733)mentioning that it is towards final settlement. Till date, I have not got the final settlement letter from HSBC. I took up the matter with HSBC Customer complain and they confirmed that they are taking action for reversing all the charges against my card. Till date they have not taken any action and moreover my home loan is stopped by SBI as my name is appearing in CIBIL list.Though I have communicated with HSBC they are not taking any action for zeroing my outstanding balance. Pl. take up the matter with HSBC and delete my name from CIBIL. Also I am unable to understand how a bank can do transaction without the account holder consent and signature and cause both mental and financial harassment to honest and innocent citizens.Also, pl. give kind consideration to revoke my unjust payment of Rs 3000/= under compulsion.
With regards,
S.bhattacharya.

Even I am also a Victim of the similar case, please be case full from one the executive (sundar from HSBC Collection bangalore) with tel. no : [protected], i am just waiting for few days and will then give a complaint to police about this, have written the case to the nodal officer and awaiting their reply.

Its very bad and unprofessional for such a Bank to do such things.

If any one gets any positive reply, please do share the details at [protected]@yahoo.com



Regards

SANDIP

HSBC Credit Card — Harassment from the bank

Hi,

I have HSBC credit card and i am really fed up with this definitely i am going to cancel tomorrow and before that i want to tell u all my expreience with them.

I have been given a classic card from HSBC and menioned that its a life time free card. Exactly after one year they charged annual fee of Rs.700 for which they have the excuse that they have changed the policies.
I have redemed my points one time and when i tried next two times they didnt got delivered both times i called customer care and blue dart courier. The later said HSBC have given them a wrong address and when i check with HSBC they said they have the correct address.
NOw the latest one is i got statement only on 16th of this month and in that they have specified late payment fee Rs.400.I dont know why there are behaving like this.I havent made any late payments and this month i made the payment on 10th only because i got call from HSBC to make payment on that day and they told my date is 9th but i got statement only by 16th .Its clearly mistake from their part .

Can anyone help me to take steps against this injustice?

Thanks In Advance.
Ratheesh.K.Nair
[protected]

HSBC Credit Card — Harashment by the Recovery Agents

Dear Sirs,

This is regarding my credit card annual fees. When I was issued a credit card I was told it is life time free card, but to my utter surprise I received a statement demanding a annual fees of Rs. 3000/-. when I contacted the your call centre they told me that its is not a free card and the charges will be applicable. Under this circumstances I requested them to cancel my card and I hope the same would have been cancelled.

Now, I am receiveing calls (At least 5 - 10 calls daily ) demanding late fees charges initially it was Rs.900/- now it has become Rs. 1400/- or to face consequences, a sort of threatening from Hyderabad.

I have been using your card for the last 4 years and I have never defaulted in any payment what so ever in nature. Hence, I once again request you to look into my matter and waive all the charges of whatso ever in nature and save me from the recovery agents and their threatends, due to which I am under tremenduous mental tension and my Blood Presure has shot up.In this conditions if any untoward incident happens to me I will hold HSBC Bank solely responsible.
Hope you will help me.

HSBC Credit Card — Haressement of Recovery agent visit at home and recovery calls.

I would like to Register a complaint againts HSBC credit card company. My credit card number is [protected]. The have suddenly reduced my credit credit limit without informin me due to which I was unable to make purchase out of station. My credit limit was reduced from 124000/- to only 81000/-.
In addition to that they have charged me a transaction purchase of Rs 4199 which I have not done. I have informed the same to theier customer service however they are reluctant to answer the same and they want me to pay the same. Now that I have declined to do that they are harressing me at my residence by sending gundas to my home. I request help form your side.....thanks

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.

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.

So if you would like to contact me, also if you e-mail me your full complaint.

Kind regards
Michael

Mobile: 0044 [protected]

HSBC Credit Card — Harrasment and avoidance

Dear Sir,

I was using the credit card number [protected] from HSBC Bank and had a clean payment records since last more than 2 years.
I had requested twice for redemption of my bonus points earned by usage of credit card and the reply I got was that redemption gift was sent but my house was locked. Second time, I received response that redemption gift (worth Rs 4500) was sent but customer has changed the house so gift couldn’t get delivered.

I have been staying and even now staying in the same house. Even HSBC collection representative had visited me in last a month back so the claim of bank that I have changed my address was not correct and was only to avoid redeeming my due reward points. Failing my repeated requests for redemption of my bonus points, I closed by card and intimated bank for the same.


I had written to bank to either redeem my bonus points or allow me to adjust the value from final dues. And had been making clear written communication with bank in this regard which bank had been declining and not showing any way out. Bank representatives only kept on harassing me making numerous phone calls for their dues but no one paid any attention to my request and right for asking the redemption of my bonus points.

In the beginning of dispute, I had also written to bank that whatever time bank is taking in redeeming my bonus points, I shall not be held liable for payment for any interest or damage on outstanding during this period.

I also got guys visiting my home for collection of dues which has caused priceless damage to my reputation. No one in the bank was interested to sort out my concern. Finally I decided to repay the bank for all the usage of credit card and forego the bonus point redemption.

To my utter disappointment, bank has shamelessly started following up for interest and damage WHICH HAS BEEN THERE DUE TO NEGLIGENCE OF BANK
AND DELAY FROM BANK TO RESOLVE THE MATTER.

I have numerous correspondences done with the bank in this regard.

And I would like the authority to initiate action against the bank and it should be made to compensate for the harassment they have caused to me and damage to my reputation.

I would appreciate your help and support to establish my belief that support system exist for customers and HSBC bank can’t take customers for ransom.

You may contact me at [protected] or may write to me at [protected]@rediffmail.com.

With regards
Rahul Vaish
103/93
Silver oak apartments
DLF -1
Gurgaon

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 — Harssment from HSBC

Dear Sir/ Madam,

Myself Sagar Jalgaonkar from Pune holding currently mobile no [protected] and does not have any relations with your HSBC group. Also my no is in DND too...
But regret to say that i am receiving calls from HSBC Delhi representative with abuse language [protected],[protected], [protected], [protected], [protected] ...
HSBC has to stop this harassment on priority or else i will lodge a complaint for harassment.

Also your feed back / complaint form on site is not working.


Regards,
Sagar Jalgaonkar