[Resolved]  HSBC — Credit Card

Hi,

My self Shrikumar R Nair I am getting sms from HSBC bank related to credit card payment(Ending with 1295) .But I would to to know that since I am not holding any HSBC Credit card how come you can send sms to my number[protected].

I had enquired about this to the phonebanker but he said that I have to come to any of the HSBC Banch .

Please do the needful so that from next month I wont be getting any sms.

Hoping your immediate response.

Shrikumar

I was using a credit card issued by TIMESCARD through Citibank. The card was canceled as by Timesbank as they have now associated with Barclays bank.

Thereafter without any request or application from my side, Citibank sent me an Indianoil Card ([protected]) which I have never used or activated till date. I have received several phone calls from citibank representatives and I have explained to them that I do not require the Petrol Card and also that I have not used the card on any occassion.

Inspite of the above facts, I am constantly being reminded of some overdue payment.

Now citibank has sent me a statement for some interest charge, late payment and service tax and have also threatened to damage my credit record by sending the details to the Credit Bureau IF I DO PAYMENT.

I will be obliged if Citibank is restrained from sending unwarranted credit cards and also not ask for payments for services not used by persons to whom such cards are issued.

Thanking you,
Jyoti Shah

HSBC — Marketing calls

Please boycott all crdit cards from HSBC India. They are the most unprofessional lot when it comes to customer privacy I reveoved unnecessary marleting calls from them even after registering for" do not call" as well as getting assurance from their call centre twice that there won't be any further calls from the bank.

Another issue is the lack of ethics and trust they show in their customers, They always promise call backs from seniors but they never call.

See my complaint below. Any emails to their head- Rajneesh Bahl have heeded no responses. I guess they are just sitting on customer issues all the time.




As per Clause "Protection of consumer right" clause of credit card operations:

"The bank / NBFC shall be liable to compensate the complainant for the loss of his time, expenses, financial loss as well as for the harassment and mental anguish suffered by him for the fault of the bank and where the grievance has not been redressed in time."

I hereby seek compensation from HSBC for the loss of my time, telephone expenses, financial loss as well as for the harassment and mental anguish suffered for the fault of the bank and where the grievance has not been redressed in time.

I hereby also seek compenation for the breakage of trust by the bank since many committments were not kept to call me back for resolving my complaint.

Finally, I need a personal verbal and written apology from "HSBC Head of India".

Sir
Recently my card No. [protected] with your bank has been changed to Indianoil citibank gold card ******4002
But so far I have not received my new card. At the same time my old card is also not warking
I am facing so much problem.

Awaiting for your reply


Thanking you

Yours Truly
S. Shekhar Reddy
Hyderabad.
Mobile No. [protected].

Hi,

On Oct 20th 2009, a call was made from HSBC Bank, Pune on my home landline number and they asked for me. Since I was in my office, they took my cell number from my family.

Today i.e. Oct 22nd 2009, I was called by HSBC Bank, Pune [phone number [protected]] on my cell number. I was told by the calling lady that she is calling from HSBC bank and wants to speak to me regarding my HSBC Credit Card, which has dues of 60000/- [Sixty Thousand Rupees].

I was surprised because I never had any kind of relationship with HSBC Bank in any way [Be is having account in the bank or using their credit card]. The most intresting part is, I never visited any branch of HSBC Bank in my life.

When I stated this, the lady who called me asked for my D.O.B and other credentials [PAN Number etc], which I refused to share.

She said that we have all the details in place and she would be calling me again.

I am going to register the complain with the HSBC Bank & The Banking Ombudsman. I am not sure at this moment that how would it go. But I am ready to fight at all the levels because I am clean.

If anyone from the HSBC Bank is reading this, he should take it up.

Thanks
Prashant Singh

HSBC — World's worst Bank to Bank with

It all started with a cheap HSBC agent standing outside our Office campus requesting to enroll for a HSBC credit card with free lifetime membership and quick document processing. Somehow I got in to a serious conversation with the gentleman and agreed to submit a copy of my primary credit card statement. During the first yr of membership, I remember to have used the allotted card for few of my normal transactions. However as I remember after an yr or so when I got the statement with an annual renewal changes debited to me, I immediately paid of the current outstanding and send a request for cancellation of the card with immediate effect. I believe this was sometime between[protected]. In early 2009, all of a sudden I started receiving monthly card statement with annual renewal changes debited to me. Since I was travelling extensively during that time, I couldn’t really take out time to inquire about it and over a period of time I forgot about it as I was out of the country for a while. Once I came back in mid 2009, I came to know that my family members in my permanent address receive regular calls asking about my contact details. I got in touch with them and came to know that my case has been forwarded to some credit risk collection agent. I told them that I have closed the account long back and according to me there is no outstanding due to the bank against the above account and all outstanding reflecting against the account are pertains to the annual renewal charges and subsequent nonpayment service charges. They were asking me to provide proof of cancellation and I told them that I hold almost 20-25 cards including various promotional and loyalty membership cards and you can’t expect me to maintain document of all communication for past several years. These high pitch conversation continued for several months with various threatening calls to me and my family members and also expressing that my credit rating will go for a toss and it will have adverse impact on my credit worth and so on. Even after all this I refused to pay not because I can’t afford the outstanding due, I guess around 3-4K INR but because it was against my basic principles. Anyway finally these guys came up with a business proposition and said we will write-off outstanding if you pay a token money of Rs 500/- to settle the account. I thought life is already so busy and eventful, if by paying 500 bucks, I can gain some peace for me and my family, it’s worth it and agreed to settle the account. Finally the day came on Sept 17th 2009 when these guys send a representative to collect the cheque against an acknowledge receipt and a letter with the above reference no. The letter was written in a manner which will benefit nobody else except HSBC as if we (customer) don’t understand plain English and its implications. Anyway the consolation for me was that it says “Needless to state that hereafter the Credit Card Account relationship shall cease”. I thought this is the end of a worst relationship I had ever with any bank. However, the story didn’t end here. After almost a month or two, my parents started complaining to me that they are receiving threatening calls 5-6 times in a day from some HSBC agency asking for my contact details even though they should logically have my contact details in their record as they were directly communicating with me on my cell no during the last transactions. I don’t stay in my permanent address as my work location is different and I was helpless to see my father taking unnecessary tensions because of me who is 75+ and doctor has advised him not to take any exertion. I believe that calls were coming from phone no +[protected] and after several no response on the number I finally got someone responding to my call. When I spoke to them I was surprised beyond wit that they are still showing an outstanding against the account of now even bigger amount of around 5K and asking me to pay the amount immediately or face consequences. They even confirmed that they have received the last payment of Rs. 500/- however they have no record of the mutual settlement that we executed just two months back. I really don’t know which department approached me for settlement and which is this department who is asking me to pay the balance outstanding. These goes to proof that they have extremely poor internal processes and impact of such failed processes are bear by customer like us. Anyway I don’t know if this is the end of the story or not however I have shared the reference # of the settlement letter for them to update their own record. I plan to laminate this settlement letter and keep it along with my educational certificates. You never know, we may expect the unexpected from WORST BANK in the world.

Redumption of points — Redumption of points.

It is seen from the statement of Nov'09, 120 points were redeemed from my account. Let me know the reason for deducting from my account. I am a regular user and I never be a defaualter. Hope a reply will be highly appreciated.

check

Today on 7th January 2010, I have been making many calls to HSBC credit card deptt. I wish to make full payment of outstanding dues on my credit card and wanted to know the exact amount to be paid. But each time I make a call and give my full credit card number, I get the response that my credit card number is wrong. I have checked my card number many times just to make sure. But the voice on the phone continues to repeat that my credit card number is wrong. I have no idea how this is happening. Please advise who I can talk to in this regard and explain things.

Credit Card — Im Being Torchered For Loan I Never Took

Sir,
I recieved a call from from ABN-AMRO bank that if i wanted to take loan against my credit card. I neglected to take the loan. then after some time i recieved a message on my cell phone that bank is sending me bank draft of Rs 50,000 as a loan, then after some days courier arrived but i refused to take the same from the courier company distributor. Then about after a year i started recieving calls from bank that my loan outstanding is pending, then i said to company that i never took a loan, they told me that there is a 900 rs payment already made by someone to company which i never made. I asked a written documents from the bank but they never sent me anything, But they keep threatning me on phone that they will give this case to SIBIL. I am fed up of these calls and cant take it any more. Now i want to go to consumer court after this complaint. please help.

Yours Faithfully
Sarbjit Singh
Credit Card No. [protected]
Already expired on june 2008

HSBC — poor standards of service resulted in loss of money

I have invested in mutual funds through HSBC Bank. Not only did they unwisely invest in non-performing funds they also did not bother to switch to other funds after I drew their attention. When you invest through HSBC there is no other way to approach the bank except through so-called relationship managers. In two years, four relationship managers who were handling my account changed. Instead of the bank keeping track of my investments and providing service I ended up keeping track of my funds as well as finding out who my existing relationship manager was. HSBC's standards of service are so poor and their customer care helpline is the best example. They take 15 to 20 minutes of your time to verify the caller's details and then simply say they dont have the numbers of names of the relationship managers handling your account. The standard reply in case you go through the trouble of sending a complaint via email is that the email has been forwarded to the relationship manager concerned and a reply can be expected in 5 working days. When in two years my invested amount was reduced to half, I decided to dispose them so that I could redeem whatever was remaining, HSBC simply stopped showing interest. I gave my request for redemption for one mutual fund on January 11, 2010. I do not keep track of the stock market much but a casual check on internet showed that the marked was good and I could dispose off the fund without much loss. However, HSBC did not forward nor process my request till January 27. When I took up the issue strongly with the relationship manager, he passed the buck to a junior colleague who claimed to have put the fund for redemption on the same day when the stock market fell by 410 points for the first time in six months and the fund i was trying to dispose off went down even further. However, even after three days HSBC could not inform me at what NAV my fund was sold and what is the amount I would receive. So much for their online systems etc etc. Even today when I called the relationship manager he could not tell me the correct NAV nor could he say when the redeemed funds would be credited to my account. HSBC calls itself the world's local bank. It truely is cheap and very local. I am putting my experience so that other citizens do not fall not the trap or make the mistake of investing through HSBC. I can assure you, not only will you lose your money but it can prove to be a vexing headache if you want your money back.
Srinivas

HSBC — unnessasery eritate

Dear sir
i have a mobile of airtel which no.is [protected],So i receive loose talking sms
from reliance no [protected] last few days .
this person eritate me to many sms send till midnight.
so kindly stop this sms from mentioned ril no.otherwise i will take legal action from my side.

thanks & regards,
Deepak
kanpur

HSBC — credit card details

My Name is Kiran balasubrahmanyam. Mukkavilli my date of Birth is 16/02/1975, when i applied a Loan my Banker informed me that My name in CIBIL showing will defaulter for one credit card can I know that card number and the bank details all my cards I am a prompt payer.
Please inform the process for removing this i never defaulted in my history with any Bank.

Do I own a credit card or bank accounts in state banks are

HSBC — Flight delay

AIR INDIA EXPRESS FROM DUBAI TO CALICUT IS DELAYED FOR MORE THAN 4HRS. DONT KNOW WHEN THEY WILL START . NO AIR LINES STAFF AVAILABE AT THE DUBAI AIR PORT . (fLIGHT -1X 344 ) ON 1ST MARCH 2010

One of the worst bank I have come across. Poor service and unnecessary tortoure of customer.Will write in more detail. Just the beginning

Sir, I am a HSBC credit card Holder. I have received only the Phone banking PIN. But till yet i have not received any user ID and Password for internet acess.Therefore i am not able to use the card, since there will be problem for depositing the payment towards any purchase through credit card.My credit card No is [protected]. So please send me the user ID and password for Internet acess through below address or to my mail([protected]@yahoomail.com)

ADdRESS:- C/O- Bidhyadhar Khatua
PLOT NO:- 3521/8843, 2nd floor.
Palasuni
PO:- Rasulgarh.
Bhubaneswar(orissa)
PIN:- 751010

HSBC — asking renewal fee,even after closing the account

Sir
I used HSBC credit card, and made prompt payments, last year and last before year i decided to close the account and contacted their customer care center, they not accepted my request and asked to continue, last year they put renewal fee, after argument they reversed,i am not using that card, this year also they put renewal fee, but i am not received any statement only phone call received after three months and they saying remit the renewal fee with surcharge immediately, so i request how to made complaint against them,reg above matter please

hi
I have used an HSBC credit card and it got expired in 31/12/2008, and i have last used my card in january 2008 and have converted the amount into 24 Months EMI, I have completed all my EMI, s In Time but there was some late payments due to the fact that my salary gets credited on 1st of every month and my due date falls on the same date so i ratherer missed to pay by 1st couple of times which resulted in attracting late payment fees
Actual amout i swiped was for 10500 and i have converted it into 24 months EMI so with intrested it came to 15k odd
I have paid all my EMIs
but now I am getting a Bill for another 10K which is ridicules, its like old time goons lending money and charging 4 times the actual amount, i want to settle this issue, and also they have despacted the replacement card after the expiry which i havent requested
when i called them they informed me that its been received by someone, and since i said i have not received it they would go ahead and block the same . they also gave a disclaimer that they wouldnt be responsbile for the card that has been regenrated ..really absurd answers and after using such cards i request every one not to use Credit cards that to banks like HsBC if not any banks

Hi.
I completely understand what you are going thru. Matter of fact, I also have the same problem. Do let me know what action you took and how it helped.