Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

Reserve Bank of India,
Central Office,
Shaheed Bhagat Singh Road,
Mumbai - 400 001.


RE: PROCESSING/LOGISTIC FEE FOR THE TRANSFER OF YOUR FUND 85.LAKH RUPEES IS REQUIRED URGENTLY

Attention:Jaikishan Chhetri

However, to enable us process transfer of your fund to your bank account, you are required to proceed with the payment of the processing and logistic fee. This is the administrative fee you are required to complete to enable us transfer your fund into your nominated bank account within 20min.

To endorse your payment and transfer your fund as stipulated by the Foreign Exchange Management Act, 1999 of the Federal Republic of India.
You are hereby to set up a file and register in this office to enable the international exchange department effect the transfer of your amount to your nominated bank account.

The administrative of 15,000 INR. is required for the processing and logistic fee for the transfer your fund. This includes Registration and file opening, immediately this is completed your fund will be transferred into your nominated bank account, and we promise to give you the best of our service.

Get back to this office after this email for the mode of payment, so that we can start processing the transfer of your fund to your bank account.We will guide on how to send the processing and logistic fee to this office to enable you receive your fund.

Note: we are not permitted by the HSBC BANK UK to deduct or take any single amount from your winning amount because the fund is already insured in the insurance company in UK London.

So immediately you deposit the registration fee of 15,000 INR send the payment receipt via email to us for confirmation,immediately your full amount we be transfer to your nominated bank account which you have already provided is 100% guarantee sure you we receive your full amount. Note: your transaction Code is ( RBI000196 ) keep it very safe for security reasons

Get back to us for the mode of payment as quick as possible to effect your transferring of you full amount into your nominated bank account.

Regards
Operation Dept
Reserve Bank Of India.

Dear Sir/Ma'am

Myself Santhosh Kumar, Residing at Chengalpet, I settle my HSBC Credit Card Due with full & final settlement.
But still Im getting name in Cibil & showing 56000/- outstanding. I tried to call HSBC customer care for asking details but in HSBC there is no Data of my Card. I request HSBC to Remove my name from Cibil. My Card Details [protected].

Kindly do the needful asap....

EMI problem
Dear Sir,

we are getting every month statement and paying regular on time but still my account is showing due of Rs.3718.43 , which is wrong . So many times i called to Customer Care Deptt.regarding our EMI matter but they didn't short out. Matter is, I make a transaction of Rs.32640/- in month of July '2010 and give request for 6 EMI. When,first time i called to Customer Care Deptt.give a request for 12 months EMI but due to excess interest , again i called them and request for 6 EMI but they didn't update.Now, they calling every day more than 10-12 times for recovery of Rs.3718.43. For your kind information , you may see month wise due and payment detail:-


Month Swap/Due amountPayment
Jun'10 210.00 -
July '10 32,640.00 3,100.00
652.80 -
67.23 -
Aug.'10 - 5,777.00
Sep'10 - 5,777.00
Oct'10 - 5,777.00
Nov'10 16,037.00 11,554.00
Dec'10 - 6,377.00
Jan '11 1,448.00 13,507.00
Feb'11 - 5,777.00
March'11 364.00 -
April'11 257.00 -
May'11 - 593.59
July'11 - 1244.00
51,676.03 59,483.59

I humble request to you ,Kindly see my matter and take action against them .

Thanx n Regards,
Ashok Barnwal
Ph. No. [protected]

Hi,
I had a HSBC credit card. on June 23rd i got mail + call from HSBC that they are closing my credit card account because of some company policies.
After that at month end i got Card statement with annual fee for this year.
When i called customer care and asked about it he said he is reverting charged amount.
But this month i got new credit card statement with annual fee + late payment charges !
Now when i again called customer cars he said your charges are already reverted but statement was generated before that.
But hen i asked for a mail for confirmation. He said he can’t do that.

Every time they saying my account is closed but still why i am getting credit card statement with some amount due?
Also the last statement (one which got after account closed) was sent to me by POST and not via e-mail! (All statements were sent by e-mail before)

I am a customer of HSBC credit card i used the card for 1 year very but from second year they charge me for anuaal fee when i called them a told them that when i get a card ur executive told that card is life time free no anuaall charges.i accepted the card but now they are forcing annual charges on me.
We i called customer care they told me they will be waived off.



Abhishek Singh
Conatat No. [protected]

I have been asked to remit Rs. 12501 into one of the Customs a/c to clear the consignment from UK to be delivered after removing the same from the Customs Clearance of HSBC London. I also enquired in the local HSBC Bank and they informed me that do not entertain such mails and calls which is of a 419 category of fraud funds

Mail received from him
Flag this message
PAYMENT MODE FOR CUSTOM CLEARANCE.
Wednesday, 5 September, 2012 1:03 PM
From:
"MR BARIN HEGE SENIOR OFFICER" <[protected]@seniorofficerbarinhege.com>
Add sender to Contacts
To:
[protected]@yahoo.com

ATTN:-N CHANDRASEKAR

Good Morning Sir,
On behalf of my company and my manager of the HSBC BANK.I wish to inform you that your amount will arrive india,and that it going to be cleared by the custom department,as soon as the fee is been remitted to the account below,so that they will give me the Mumbai Custom Receipt.
As soon as you deposit the amount you have to send the following document.
(1).Payment Receipt.
(2).2 Passort Size photo/Pan Card.
(3).Address.
This document will be present to the custom for the clearance.
Below is the Bank Account Details for making payment of 12,501s.in Cash
ACCOUNT NAME:AJAY.K.KASHYAP
ACCOUNT NUMBER:[protected]
PAN NUMBER:CHGPK7914Q
IFSC CODE:SBIN0011687
BANK NAME:STATE BANK OF INDIA
BANK BRANCH:FORT BRANCH
Thank you for responding immediately,I await your urgent payment to arrive at your state.BY 2pm.
Best Regard
Mr.Barin Hege.
Diplomat Officer.
Email:[protected]@seniorofficerbarinhege.com


Pls take action against such fraudster and save many of Indian Nationals and Citizens

Subject: Closer of Credit Card A/c no.[protected]
Dear Sir,
I would like to brought to your kind notice that I used a Credit Card of HSBC Bank since 2008 without any yearly cherge and I was not defaulter at any time within my used period. In 2012 the Bank send me a message to close my card and destroied due to non-use of card for long time. Also they have confirmed that I have no dues on that date. After that they have again send me a bill for payment of yearly cherges. I have replied to stop this practice. Again they send me a mobile message today on 24.08.2012 from no.VM-HSBCBK to my Mobile no.+91 [protected] as " DEAR CUSTOMER YOUR CREDIT CARD ENDING WITH 6565 HAS BEENREPORTED TO CREDIT INFOTMATION BUREAU OF INDIA LIMITED DUE TO OVERDUE. FURTHER THE BANK WILL INITIATE LEGAL ACTIONS". I am attaching bellow the mail received from them and my reply for your kind perusal and necessary action please.
With regards,
Manoj Kumar Roy.
E-mail : 1. mkr_kaju.[protected]@rediffmail.com 2. [protected]@dvcindia.org
Mobile no. 1. +91 [protected] 2. +91 [protected]

Attachment :

Subject: Closer of Credit Card A/c no.[protected]
Subject: Re: HSBC India : Important information regarding your HSBC credit card ending with XXXX XXXX XXXX 6565 From: "Manoj Roy"<mkr_kaju.[protected]@rediffmail.com> Wed, 25 Jul '12 10:04a To: "HSBC India"<hsbc.19955201.48480.[protected]@informationservices.hsbc.co.in>...⇄ and others Cc: Bcc:
Dear sir,
I would like to brought to your kind notice that After getting this e-mail from your end I have destroyed your Credit Card issurd to me in earlier and I am not using your Card at present. But after your cancellatiion of your card it is not understood to me that how Credit Card statement is sending to me till to date when I have no outstanding.
It is my kind request that please stop sending any statement to me in further course.
With regards,
Manoj Kumar Roy.
******************************************************
From: "HSBC India" <hsbc.19955201.48480.[protected]@informationservices.hsbc.co.in>
Sent: Tue, 17 Apr 2012 15:02:15
To: MKR_KAJU.[protected]@REDIFFMAIL.COM
Subject: HSBC India : Important information regarding your HSBC credit card ending with XXXX XXXX XXXX 6565
HSBC India

This e-mail has been sent by The Hongkong and Shanghai Banking Corporation Limited, India Branch, 52/60 Mahatma Gandhi Road, Fort, Mumbai 400 001. Customer service hotline numbers, Email: [protected]@hsbc.co.in.

Dear Cardholder,

In the course of a recent review, we have noticed that there have been no transactions on your HSBC Credit Card XXXX XXXX XXXX 6565 (and Add-on cards, if any) in the recent past.

Due to security reasons and to prevent any misuse on the card account, we do hereby advise you that we have placed a block on your Card XXXX XXXX XXXX 6565 and the credit limit on your above mentioned Credit Card will be cancelled after 30 days from the date of this email.

We hereby confirm that there are no outstanding dues payables by you on the above mentioned Credit Card as on 06-Apr-2012.

Your Credit Card will be cancelled after 30 days from the date of this email. Please note this is not a reflection of your credit performance on the Credit Card.

We request you to destroy the Credit Card plastic by cutting it through the magnetic strip into several pieces.

In case you have provided continuous payment authority (auto-debit) mandates to any service provider/s kindly provide them with new payment mandates immediately on receipt of this email.

Please be advised that reward points in your Credit Card account can be redeemed within 30 days from the date of this email by contacting HSBC' s customer service center.

We thank you for the continued patronage and are pleased to offer you a bouquet of HSBC card products which you may be interested in applying for in the future. Please

Yours sincerely,
Cards Product Division

Hi,

I had taken a HSBC credit card ([protected]) in 2006. I had made payments on the card, and had finally cancelled the card in 2008 by paying the outstanding amount.

In my CIBIL report, the details against this card is showing a delay payment on 700+ days which is not true.

Request you to please look into this and do the needful to reflect the correct details in CIBIL.

Regards,
Sanghamitra

Hi,
This is to inform you that i had hired an edc machine from The reputed bank HSBC , in the month of may 12 with an assurance of 1.6% and 18000 as edc charges as service charge but later got to know that other bank are giving the same service at 1.3 to 1.4 and 12000 as edc charges so when i called The HSBC executive Mr.Ganesh -[protected] he came to y office and spoke to his seniors and told that he will take back the machine and cancel the machine and refund the amount , but after taking the machine after 2 days when i did not get any response , he tell me that it cannot happen as it has been agreed for one year contract , know this is pure cheating what the bank or the executive is doing , when called him again they are not responding to my call , please do let me know what i have to do..

Dear Sir ,

I have taken loan from HSBC some 4 years ago .

I have paid regularly to HSBC bank , as of now only two EMI"S are remaining and amount is INR 3600.

Then too A girl named SARIKA is continue calling me on mobile , and landline of my home and talking in very very bad manner.

I have told her that after some time I will pay this amount , Being a genuine customer I have paid total amounr of INR 85000/- , just INR 3600 is remaining , then too she is calling minutes by minutes .

She is calling on my home on landline and talking very bad to all my family members, being a girl she is talking in very rude way.

Kindly instruct HSBC to stop calling me and give me some time for repayment, OR as I have paid very huge amount to HSBC , If possible kindly do needful for waive off of remaining amount and instruct HSBC to give me NOC on this loan matter.

Kindly do the needful ,

I shall be thankful to you for this.

Prashant Tiwari
F-90 , scheme no. 54 , vijay nagar ,
Indore, (M.P),INDIA.
HSBC LOAN ACCOUNT NUMBER - [protected]

i have been following up with hsbc for closure of the loan account subject to hsbc providing me the details of loan accoule to forents from inception till date . however till date the data has not been received they sent me some data which did not reflect the lumsum payments made by me and forwarded me the foreclosure letter with out adjusting these lumpsum amount paid by me till date they have not provided the details as a result i have not been able to foreclose both the smart home loan and the top up loan account.I have recorded conversations tha i had with three of the relationship managers who admitted that majority of them do not understand the calculations and the ones who new are no longer in the organization. one of them also admitted that it is very difficult to get the calculations from their back end team on the basis of request recd from customers. i need compensation fo last two years for unecessary delaying and not providing me the calculations . last week i requested the calculations for closure of the top up amount and requested for the calculations since inception till date. however the person visited me without the data and gor the foreclosure letter inspite of insisting for the calculation before the foreclosure. i have all the email communications for last two years and even their nodal team refuses to share the data of emi charged month on month towards proncipal and interest and rate of interest month on month and the payments made by me till date. they say that their system does not have these data. i have a home loan from IDBI bank and they are transperant in providing me the yearly statement as per my requirement

if no action is taken by HSBC i will have to share all the details with recorded communications to the concerned authorities

THE LOTTERY DEPARTMENT O[censored]K LONDON PROMOTION 2011
London Office,8 Canada Square London
E14 5HQ, United Kingdom,
Tel-Number:+[protected]
GOVERNMENT ACCREDITED LICENSED!!

Attention:Dear Customer.


We wish to congratulate you once again on this note, for being part of the winners selected in this year Promo Award.The HSBC BANK UK BRANCH felicitate with you and your family. I wish to formally announce to you that you have successfully pass the requirements, statutory obligations,verifications,validations and satisfactory report Test conducted for all draw winners.
A winning cheque of Eighty Five Lakh Rupees{85Lakh Rupees} has been issued in your name,and it's has been transferred to the Reserve Bank Of Indian(RBI).

We have also send our Senior Bank Officer Mr. Smith Jackson by name who is to assist you in the bank for easy transfer of your won funds and he will also deliver all your winning document to you at your door step. As soon as the fund has been transfer to your nominated bank account,please do follow up with the instructions given by him to enable him monitor the transfer in the Reserve Bank Of India.However,The prize has been sent to the Reserve Bank Of India(RBI)for transfer to your bank account and you have to provide to them with the follow details.

Fill the Details below.

1.Full Name:............
2.Contact Address:.........
3.Telephone Number:...........
4.Your Bank A/C Number:.........
5.Bank Branch:..........
6.Bank Name....................
7.Attached Copy of your passport/pan card:...............

YOU ARE ADVICE TO SEND (CONTACT)THE DETAILS TO E-MAIL ADDRESS BELOW:
NAME: Mrs .Grace Kushi
EMAIL: [protected]@secretary.net
International Exchange Department

As soon as you contact them, they will guide you on further procedure on how to get your won prize transfer to your local Bank account, Its is Expected to send your pan card and passport photograph to the Reserve Bank Of India(R.B.I) to ensure they respond in a timely manner. Hope my information is clear and useful? please I will require a concern update on your proceeding with the Reserve Bank Of India(R.B.I).

Have a nice day in anticipation of your earliest response and maximum co-operation.
Do email RBI on:[protected]@secretary.net
Mr.Mc Berlyns
Managing Director.
HSBC Bank International



Date: Sun, 22 Jul 2012 21:13:52 -0700
From: [protected]@yahoo.com
Subject: Re: HSBC BANK CONGRATULATE YOU TODAY
To: verificationdpt.[protected]@zhot.net
CC: verificationdpt.[protected]@zhot.net





1. Full Name: KIRAN KATHAYAT

2. Address: HOUSE NO.37,38,BLOCK NO.4, KHICRIPUR,DELHI

3. Nationality: INDIAN

4. Age: 34YRS Date of Birth: 30.3.1975

5. Occupation: PVT.JOB

6. Phone: [protected].Fax: [protected]

7. State of Origin: DELHI Country: INDIA


HOPE YOU WILL NOT DEMAND FOR PROCESSING FEE OR ANYTHING.



KIRAN KATHAYAT
DHRC



--- On Sun, 22/7/12, HSBC BANK LONDON <[protected]@att.net> wrote:


From: HSBC BANK LONDON <[protected]@att.net>
Subject: HSBC BANK CONGRATULATE YOU TODAY
To:
Date: Sunday, 22 July, 2012, 8:53 PM



FIND DETAILS IN ATTACHED FILE

Dear Bank staff

With utter dismay I would like to inform you the following, which displays the kind of services HSBC is providing :

I am your credit card customer( Card No: [protected])

Due to some unavoidable circumstances I am no more using your service since 3-4 years. However recently bank send me the statement with outstanding dues more than 40K. I assured you that I have paid all the charges/expenses well before and nothing should be pending for me.

I have the proofs such as Canara Bank, Pune cheque (No 16470 and amount = INR 2998.00) dated 29th Apr 2007 issued to pay the credit card bill and May 2010 credit card statement. As per my personal records, I haven't used the card after that. However recently I received the bank statements with outstanding dues.

It is surprising to know, I was charged a late fee for not paying my due amount within the specified time even after paying all the dues.In spite of paying all the charges/expenses on time if I am put in such case, I would like to discontinue the service.

Dear staff, grateful if you could guide me whom to contact in such case and how to get such historical transaction details from the bank.

Kindly arrange to solve my problem immediately and save me from further embarrassment please.

Awaiting your reply

Yours truly

Dr. Ambike

My HSBC Credit Card is more than 4 year old. The card was issued waiving the Annual Fee for life time. Even last the card was renewed with the same terms. But now they have suddenly charged Annual fee of 2000 plus 500 for additional card without prior approval from me (customer). This is cheating, if I don;t very and pay or give ECS mandate to my bank for making the card payment. Then I wouldn;t realise and HSBC silently get the annual fee. I take this as a cheating, since they have no regard for loyalty of the customer with absolute clean record.

Hence I suggest everybody to be aware about incident. I would also recommend people to surrender their HSBC Credit Card considering my bad experiance.

Thanks

Ajay

Dear sir,

My Name is veeresham chari, i got an e-mail from HSBC BANK UK ([protected]@gmx.com) winning amount 85,00,000/- INR, After getting this message i followed the instructions from Reserve Bank of India/ Fund remittance Dept. Mumbai Branch informed me by mail everything is completed and keep the amount in 1lakh 10 thousand in your a/c then only we can transfer your winning amount to you, So please Sir,clear...

My intial interest rate was 8% and in 5 years they have increased to 15.5% . And. When I asked for reduction rate of interest in bank they took a letter and they said some one will call me back and resolve it in 5 business days which didn't happen but a person by name Chirag called me from hyderbad and he said he is working on rate reduction and will get back to me. He got me after few days and told methe rate of 13.75 which was not accepted by me and I told him am not happy and there is no response after that . I wrote a mail to nodal officer on 15 th June on the same subject and got a automated reply saying they will attend the complaint in 10 days and after several reminders I got a reply saying we have verified the details of your account credit card account interst rate details are changed as follow and this is what irritated me where my account is home loan and they are talking about a credit card which I don't hold with HSBC . And I asked for rate reduction and they have mentioned dates of interest rate change which we can see mere negligence on the customer.
When I replied back again they have diverted to same person Chirag who again called me and tok time to discuss and get the issue resolved and he called me today and he is talking something non sense instead of reducing the rate. Please help me to resolve the issue with this bank.

Dear sir my self sandeep khatri and i have a hsbc credit card i used this card last month for 17000 in sargam electronics Narela,thereafter i did make a call to hsbc customer care for making installment of 17000 used but the authorised person at hsbc call centre said that we r unable to make installment of amount that us used by u bcs i have a credit limit in my card is 17000 and hsbc`s calll centre person said that there is no any facility in ur card to mke installment, then i said ok, and then one day a i had a call frm hsbc bank credit card department that ur card had over limit u have to make a deposit 5765 in our credit card ur card limit has reduced to 12000 other wise u willbe charged for overlimt, I want to ask that jab mere credit card ki limit 12000 hai n maine 17000 use kiye hai to main 5765 kyon bharooo and there is no any email, phone, massage regarding credit card reduced limit. so plz solve my issue as soon as possible.I will make my all payment in time.
MY NAME IS - SANDEEP KHATRI
CREDIT CARD NO. - [protected]

I did settlement with hsbc bank for my personal loan, Still my name is coming in cibil report. This is not good. It's not way of work. They remove my name from cibil. they are asking more money from me to remove my name from cibil. Where our country is going i don't know, One all will die by hunger because of this kind of corruptions. I[censored] think i am right then do something for me, otherwise i will think that consumer court is also a partner with this bankers in all this corruptions.

I hope u will understand and do any good thing for people.

Thanks,

[protected]
From:--Dewani Shankar ----

50 Blunders by HSBC Bank in Home loan a/c No[protected]. Breach of TRUST. Mental tortures & Harassments by HSBC Bank.

I have availed a loan of Rs-1961929/- from HSBC Bank in 2005. In 2008, I came to know from bank's issued statements that bank is manipulating my a/c statements/calculations since 2005.Till date, I have received more than more than 100 incorrect & manipulated statements which I have forwarded to bank for their reply but despite my more than 300 emails/letters to bank's every top ranked officer including CEO , I have not received any correct explanations from bank . Instead bank is still issuing me fake & incorrect statements. bank’s issued last incorrect statement is dated[protected] which is reflecting diff. of Nine Emi’s.
Sir, I would like to inform you that instead of rectifying its mistakes & resolving my issues, Bank's Nodal officer is asking me to ignore bank's issued more than 80 a incorrect statements & bank’s blunders in my a/c.Till date, I have made Complaint at RBI & finance minister office not once but 4-5 times. RBI has also fired HSBC officer for bank's unfair trade practices etc.
kindly refer Some of my complaints:-----
(1) Instead of bank's issued one loan amount of Rs-1961929/- ,bank's issued statements are reflecting 5 more non issued loan amounts totalling more than Ninety lacs.
(2) Two non issued loan amounts added in my principal amount. Loan tenure also increased by 13 instalments.
(3) Bank's issued same day's 4 statements are reflecting 4 contradictory loan tenure calc results.i.e. 180,263, 274 & 303 .There is diff. of more than 100 instalments in same day's statements.Diff. of 100 * 20000 =20 Lacs-
(4)HSBC Bank's issued Nine statements are reflecting nine contradictory balance loan tenure calc results despite calc on same amount of Rs.1829622/- at same r.o.i. 12.5%.
(5)HSBC bank's issued amort sch.st.dt. 10/11/2009 & 14/11/2009 & bank's statement dt.[protected] reflecting balance loan tenure as 254,255 & 253 months resp despite calc on same amount of Rs-1829622/- at 12.5%
(6)HSBC bank's issued amort sch.st.dt. 4/6/2010 & 12/6/2009 reflecting balance loan tenure as 251 & 252 months resp despite calc on same amount of Rs-1826959/- at 12.5% .There is diff. of One Emi . There is loan due date diff. of 13 months
(7)HSBC bank's issued amort sch.st.dt. 23/6/2010 ,Nodal officer's certified Amort schedule dt. 8/7/2009 & bank's statement dt.[protected] reflecting 2 contradictory balance loan tenure calc.results ,three contradictory loan due date calc results despite calc on same amount of Rs-1825800/- at 12.5%There is diff. of One Emi.. There is loan due date diff. of 13 months
.
(8)HSBC bank's issued amort sch.st.dt. 15/9/2011 & 16/5/2012 & bank's statement dt.[protected] & bank's stat.dt.[protected] Aare reflecting 2 contradictory balance loan tenure calc.results ,three contradictory loan due date calc results despite calc on same amount of Rs-1825800/- at 12.5%.There is diff. of NINE Emi's. There is loan due date diff. of 36 months
(9)HSBC Bank's issued Eight interest paid certificates, issued for same financial year[protected] are reflecting 5 contradictory interest paid amounts.
(10) Bank's issued SIX interest paid certificates, issued for same financial year[protected] are reflecting 4 contradictory interest paid amounts.
(11) 5 contradictory interest calc results on same amount of rs-1829622/- at 12.5%.
(12) Discepancies in bank's Nodal officer 's issued two certified copies of interest paid certf of same financial year[protected].
(13) Discrepancies in calc results in bank's issued statements & bank's excel calc results.
(14) Discrepancies in calc results in Nodal officer's issued certified copies & Chief Nodal officer's issued certified copies .Both are not only contradictory to each other but are contradictory bank's excel calc results.
(15) My payments are not reflecting.
(16) bank's emi calc are wrong & contradictory to bank's own excel calc results.
(17) Bank's loan tenure calc are wrong & contradictory to bank's own excel calc results.
(18) Bank has stopped issuing me statements.
Sir, there are still 40 more such blunders which I have already forwarded to bank. Bank has still not replied the same.
Instead of resolving my issues,bank is harassing me for wrong payments.
This might be the first time in indian banking history that any bank has made such blunders in customer's a/c.
as per RBI banking rules,there should not be a single paise doff. on same calc but as for as my a/c is concerned,there is diff. of more than 100 instalments in same day's statements.i.e. diff. of more than twenty lacs.
I hope,HSBC will reply & resolve my issues immediately.
I request all persons who are harassed by HSBC Bank ,to contact me immediately. We all will take action against HSBC Bank CEO & other officers.


Regards
Dewani Shankar
[protected]

email [protected]@yahoo.com

Dear Sir/ Mam,

I have received my HSBC credit card ( [protected]_ in 2007 and which has expired on 2009. after it I have never received new credit card. I have sent email to customer care for same many times and they said that they have sent the credit card but it came back as no one was at home.

Where as I have around 4000rs as credit in my credit card.I have got the regular Statement from the bank and every month they deduct some money from the credit payment. In my last statement it was left around 2000rs only.

I do not know why they have deducted it. I have even asked them to transfer the rest of credit payment in my bank account. But they have not done this. I have requested to customer care to send the credit card again so that I can utilize it. But still not received any card from them.

They have my complete house address and detail . I do not know what makes them not to send the credit card again.

I do need that some one will take action against them .

Thanks
Rahul