Hongkong & Shanghai Banking Corporation [HSBC]

[Resolved] HSBC India — No ethics - Unnecessary penalty

Parul Makhija

from New Delhi, Delhi

Address:

Faridabad, Haryana

I have a credit card of HSBC for which I ma facing a lot of problems. Firstly the statements didn't come appropriately then there executives call for the payment. As I stay in Faridabad there is no ATM or drop box there which was also confimed by there staff, and my workplace is in Udyog Vihar Gurgaon, from here the bank or the atm /drop box is really far which is also communicated to HSBC staff many times. They have taken time from me for 5 times to send there executives but no one turned up. Once a person came without informing that time I was not at home and obviously could'nt leave a cheque also as I was not informed only. Now the more insulting and rude part is that I get call from there chennai office no is - [protected] some lady called up, I said that on saturday dated:10 April 2010 also u were supposed to send someone but nobody turned, now because of all these reasons again my due date has passed and they have laid a penality of late fees, service tax etc which I am supposed to pay by 5 May. So on this I said okay then now call me that time only as already you have laid penality on me, she started shouting on me and also when I told her that I need a settlement she said we will not do incase you are so worried then you would have done the payment, you people are defaulter, no understanding of banking. We will not be settling the account and just mind your language and other similar stuff. I said that I have even called up your call center so replying she said that I am a fool that I dont know where I am calling and where is the call landing to.

Please help me in this case because I will not take it this way that a call center girl using bad language, shouting, speaking with no respect to a customer who has to pay the money. I am also using cards of HDFC, American Express, no problems with them but I don't understand why HSBC is there and who has given the rights to there executives to misbehave, take time from customers and not reaching to them.

I need a solution.

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Aug 14, 2020

Complaint marked as Resolved

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Comments

Shruti Garg

from Nashik, Maharashtra

HSBC Credit Card — Unnecessary calls for payment when there is no balance due

Dear Concerned,

My HSBC credit card number is[protected]. This card was last used in 2006 and a payment was also done, though on the last date of the payment due date. Upon receipt of the bill the next month, I saw there was late payment charge in the statement. I immediately called up the customer care and explained them the situation, however as per the executive on the call, the payment must have been made atleast 2/3 days prior to the last date . On which i explained that even other cards give a grace of atleast 2 working days after the last date of making payment.
Anyways to my surprise she was not convinced and I clearly requested her to reverse the charge and I promised to be careful in future. After that day, I have not used the card a single time and that 350 odd late payment charge has become Rs.10 K now and every now and them after 3/4 months some jerks call for payment and I explain to them every now and then that there are no real charges due on the card and if they want me to pay, they must show me the charges that have been incurred by me and not paid, even if a single dime other than that late payment, I would make not just full payment but even extra . But no one is able to provide it to me. I have also requested them to discontinue the card, but they disagree.Now I'm extremely irritated with this . Please advise the way out as I'm planning to visit a Legal help for this issue.

Regards
Shruti Garg

Jagdish prasad upadhyay

from Hyderabad, Telangana

To,
The Manager,
HSBC Credit Card,
Post Box No: 1001
Chennai – 17
Subj: Payments made within time.

Sir,
I Jagdish Prasad Upadhyay Credit Card No: [protected] as a costumer of your bank has a complaints regarding credit card payments. As I have paid the amount in time as CHEQUE NO: 085571 on[protected] drafted on Big Bazaar Mall at Abids, Hyderabad. At Hsbc ATM Draft Box. At 07pm. Payment has been made already and Cheque was passed on[protected] but your executive is calling from Chennai and saying that payment has not been made.
So please verify that the payment has been made. And also check that in which A/C payment has been made.
Thanking you
Yours Sincerely
JAGDISH PRASAD UPADHAY
#14-4-343/1 Begum Bazaar, Hyderabad – 500 012.