Hongkong & Shanghai Banking Corporation [HSBC]

[Resolved] HSBC — Invalid charges

Dheeraj Chhabra

from Delhi, Delhi

Address:

Gurgaon, Haryana

I have been a HSBC credit card customer since long time and made every payment in time. I dropped the cheque in their JMD branch ATM box 4 days before the due date but HSBC claimed that they received the cheque late hence they have put late payment and finance charges on me which is invalid. I have called so many times to HSBC customer care to clear these unnecessary charges but they are not agree and every month they are putting charges on previous late/finance charges. I have paid all the legal and valid amount to HSBC in time and requested many times to clear these charges as it is being incrementing as compound interest but they are pressurizing me to pay all the charges and boasting me for making my record as defaulter in CIBIL so that i can not take any financial help from other banks. I even asked them to settle and close the account but they are forcing me to clear all the invalid charges without any discount else we will be putting more charges every month and you have to pay all of them in future.

I am not finding any way to come out of this type o[censored]nnecessary trouble and boasting which is being given to a customer by HSBC bank. They are ready to close the account else putting pressure on the customer to pay all invalid charges else we will make you defaulter.

Even by giving all the payment to bank, HSBC bank is troubling the customer and misusing the banking power.

Anyone please suggest what can be done to come out of this.

Regards
Dheeraj Chhabra
[protected]

After that I have never used the card and requested to close the A/C but card was not closed and unnecessary charges were put on me every month.

Kindly consider the card closure request and settle the account.

Regards
Dheeraj Chhabra

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Aug 14, 2020

Complaint marked as Resolved

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Comments

Jilow Varghese Thomas

HSBC Credit Card — Invalid Charges

Hi,

I used to have HSBC gold card: [protected]. 2 or 3 months back I faced a financial crunch so I availed the Cash on EMI provided to HSBC credit card customers for the balance amount not used. It was of amount 70000. If I include interest and file charges it would come around 77000. After 10 days I got a call from HSBC that they have an offer in which I can upgrade the card to Platinum card. I thought it would be a good choice to take the platinum card. So they provided me new platinum card : [protected] and cancelled my old card. But when I received the statement of my new platinum card I got the shock of my life, they transferred whole of 77000 as lump sum amount without breaking them in EMI. I called up HSBC and told them that it was they who provided the upgrade without informing the consequences. I then requested to cancel the current platinum card and provide my old gold card back. But I got a negative response from HSBC. I felt cheated. I got the card cancelled paid around 72000 back and I called them up that rest of the interest I am not going to pay as I have not been provided Cash on EMI as promised by the bank.. Now HSBC is not agreeing to my point and as per the current statement I have pay late charges plus balance amount.

Kindly let me know how to deal with it. This is a clear cut cheating from HSBC bank. I used to have a very good relation with the bank. But after this incidence I am really shocked.

Thanks and Regards
Jilow

Jayakiran

from Bengaluru, Karnataka

Hi,
My HSBC card no : [protected]

I received a SMS telling I need to pay Rs. 954 for CPP. I have not replied to the CPP as told by your person who spoke. They have recorded the call telling this is for their own reference. In the call and also in the postal mail, they had said this charge is purely on the basis of my approval. When I have not approved for this service why should I be charged?

I am not going to pay and if this continues I will cancel the card. Please rectify ASAP.

My details;

Name : Jayakiran. M.R.
Mobile : [protected].

Thanks

NAGENDRA_NICZ

from Delhi, Delhi

Dear sir
my card no. [protected] payment due date was 04th may, I have paid minimam due amaunt 25th of april 09 but due to your bank mistake my cheque amaunt not debited before due date with my a/c, after due date amaunt debited, now my a/c showing Late fees & Intrest, i will not be responsible to pay late fees and intrest.because i have paid amaunt before date, kindly waiber my charges for faithfull banking with us.
Kindly let me know how to deal with it. This is a clear cut cheating from HSBC bank. I used to have a very good relation with the bank. But after this incidence I am really shocked.

Thanks & Regards
Nagendra Kumar Singh
[protected]

NAGENDRA_NICZ

from Delhi, Delhi

pramod kumar singariya

from Ajmer, Rajasthan

I am gold card holder for the last six years. In my statement for November 09, a annual fee of Rs.2000.00 + 206.00 totaling to Rs.2206.00 has been debited. I tried to contact your help line number [protected] but it is out of order. Kindly reverse the same otherwise I will be compelled to surrender this credit card. My mobile number is [protected]