Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

Hi,

I had subscribed to HSBC Credit card around 1.5 years back and was availing various paid or unpaid facilities provided by them. I never used to get paper bills to my address and many of the times I did not get mails of the Bill as well. Till the time i was in India I used to call them and ask for the Bill amount and without receiving the bill I used to pay all the amount to avoid all the Penalty charges.
There are many complaints lodged by me that i am not getting the Bills at proper time and still the Bank is charging me the late payment charges.
8 months back I came to US and those followups were almost impossible. I did not get the Bill for the m/o Jul-11 and hence missed to made the payment.

In the m/o Dec-11, I saw there were around
1) Rs.6000 late payment charges which became accumulated month by month
2) Also there were Rs 2000 Renewal charges which i never asked for and which they never communicated to me.

Hence I called them asking for the due Amount. They told me total of Rs.10000 which includes late payment Fees and renewal charges. To avoid further charges I paid whole amount to Bank and then started following up.
Now Bank Official says they can reverse only Rs 2000 and corresponding 500 charges on it.

My question is that if I am not getting the bills , isn't it the Bank responsibility to be punctual on that instead of charging from Customers.
Also as a good service provider they could have sent me atleast one mail that your amount is due from last few months
They should have communicated for renewal charges before charging it to my account.

Caould you please help me in reversing these charges on my account so that I won't have to pay which i was never responsibile that too when the amount is not small.

sir
I GOT A MAIL FROM HSBC BANK/LOTTERY INCORPORATION 119 GLOUCESTER PLACE LONDON UNITED KINGDOM.
--CONGRATULATION, YOUR E-MAIL ADDRESS HAS WON 750,000.00 GBP AT THE HSBC BANK AWARD THIS YEAR LOTTERY PROMO. FOR CLAIM CONTACT MR BILL JACKSON E-MAIL: [protected]@w.cn
SIR i don't no about this please informed my email id mohan.[protected]@yahoo.in and take a action

Card expired without any intimation on that approx 8500 reward point were also expired, new card not issued against the same,card expired but still sending monthly statement with available credit limit & redeemable credit point detail but when i called to claim the reward point its been told me to that I cannot claim my point as gift or gift voucher.

on my first call the representative confirmed me i can claim point by giving point code and when i called after (within 20 mini) with code i have been said that i cannot claim my point its been expire clear cheating done on call.

1. my card got expired i did not got any confirmation (intimation) for that
2. New renewed card has been not sent
3. I have been sent my statement for 2 month even after expiry of my card
4. statement states my availability of redeemable reward point
5. on call first confirms that i can redeem my point
6. when i re-call to redeem point i have been told point cannot be claimed

Shrinivas Vyas

[protected]

Dear Consumer Court,
This is to post a complaint against HSBC Personal Loan department. I took a loan from them 4 years ago and fulfilled
required conditions to avail last EMI waiver according to the agreement letter i have from them , to which they are denying now giving me baseless excuses like the required option was not ticked in application form at first place and so on.Who would not tick this option if available and why?If their DSA did not tick the option then DSA should punish DSA not me .
I request you to assist me getting me the refund of last EMI as they have debited the same from my bank account through ECS already. I need this money urgently so please help me.
Yours truly,
kalpana Jain
[protected]

Dear
sir/mam
Please confirm me is this mail is true or not


CONTACT THE RESERVE BANK OF INDIA FOR YOUR WINNING PRIZE IMMEDIATELY‏

Hide Details
FROM:
online hsbc bank uk
TO:
[protected]@yahoo.in
Message flagged Tuesday, 31 January 2012 12:33 PM





THE LOTTERY DEPARTMENT O[censored]K LONDON PROMOTION 2011
London...

I purchased around Rs 12500 from HSBC credit card , and every month i used to pay more than minimum amount before due date , in April or May 2010 i decided to pay rest of amount so i called up HSBC customer care from mob no [protected] and they told me outstanding amount is around Rs 6600 then i went to HSBC bank with said money but they told me u have to pay around Rs 9600 they told me extra Rs 3000 added that is this yearly charges which has been new rule activated from this year, even they had not communicated about this before this amount of charges. Even when they sold credit card they told me that no yearly charges but in 2010 thy have charged me extra Rs 3000 which is completely unethical. then i called 3 - 4 times to customer care about this problem , they told me they will get back to me but they did not . i just had been cheated by HSBC credit card.

I had submitted my PF form in the month of Dec 2010 and have yet not received any update as they claim that there is some problem in the system.
Its more than a year that the system is not working.

My Pf account no is (Chandni Nair) MH/46688/2668.

Would anyone be able to tell me what needs to be done for this.

Dear Sir/Madam

I am writing on behalf of my uncle (Mohan Chandran) with a credit card no [protected]. He had closed this acc in the year 2006 and paid all his dues. He had cut the card and sent to HSBC Trivandrum. Thinking that every thing is fine. After 2 yrs he started receiving statements again from HSBC. He had contacted the main branch in Trivandrum. They had advised that he needs to contact Cochin branch. When approached Cochin Branch, They had advised that Credit card Closures are handled in Chennai. Now he doesn't know what to do. He just want this account be closed. Can someone help on this Issue.

Many Thanks

Hi,
I have ECS from HDFC loan and it will be debited from my HSBC acount every 4th of month. But unfortunately i found cheque was bounsed back and i got a call from HDFC loan agent. when i equired with HSBC bank team, they said available balance is less so we have refused the cheque.

As per bank, amount available was 7969/- and cheque was 6529/-. But where as my available balance was 6372 and rest amount is hold due to "BALANCED BASED CHARGES" not maintained. But there is no information given to me via SMS or any other way about these deduction.
also it is noted that, 7969/- amount was present for nearly 10days and "BALANCED BASED CHARGES" not deducted from my acount, and i thougt that there is sufficient fund available for ECS but bounsed finally.

after that, they said OK, what ever is happend we sorry about that & we will revert back the amount which was dedcuted for bounsing the cheque.
But they can not delete the transaction from the statement.

Now i want to go for Home loan at "X" bank and they are saying due to cheque bounse issue we can approve your loan.


Please help me in getting the issue closed. also note HDFC charged 440/- Rs for ECS bounse.

Hi Every One,
Last saturday (17-Dec-2011) i received one call[protected]. One lady asked me my DAD phone no for need to speak for CC related. I told her my DAD is former, he dont know about the CC. She said no probs, i will speak with him. So i gave my DAD number. After 10 min she called me again and told me that your father said you only bought one CC for him. I am shocked. Because i not even applied any HSBC card. And also my parents are not dependent with me. They are in village. I also explained the same to her. She didn't listen me, and asked me to settle the amount. Immediately i shouted her and cut the phone. Alternative days she calling me and calling to my DAD. I am not even applied any card in HSBC. Past 7 years i am using and repaying regularly CITI bank debit and credit card. Please let me know, If any one knows where to complaint the same.

Regards,
Hari K

Dear Sir,

I had applied a Duplicate PAN Card under Application No [protected] on 01-Nov-2011 have provided all the necessary document as below along with copy of my earlier PAN CARD which is lost the payment is already throw Online Facility till date have not received the same every time the reason mentioned is as below. List of documents submitted till date. (1.Ration Card 2.Mom's Pan Card 3. Fathers Death Certification
4. Passport in the name of Vinayak Dattaram Lotlikar which also includes fathers name.)

Neither my PAN is issued nor my amount is refunded back i have finally raise a complaint request you to please help.

1) Document provided as proof of father's name does not have name of
applicant as per application.
- Submit proof of identity of applicant where father''s name in
application exactly matches with father''s name in proof.
2) Proof of Identity does not have name of the applicant as per application.
- Submit proof of identity of applicant where name in application
exactly matches with name in proof.

Regards,
Vinayak Lotlikar
M - [protected]

To, 13/12/2001
The Manager,
Credit Card Services-HSBC,
No.96, Dr.Radhakrishnan Salai,
Mylapore,
Chennai-600004.

Sub:Primary Card Membership Annual Fees...Reg.
Ref.No:[protected]

This has reference to my HSBC Card No.[protected], in connection with the renewal fees that has been charged on my above referred HSBC Card.

With regard to this subject, I have sent you an e-mail on 15/10/2010 and 26/10/2010 wherein I clearly mentioned that I am not interested to pay any "annual fees".

Further, I mentioned that this Credit Card may be cancelled with immediate effect, as I am not interested to pay "annual fees" or any such additional charges.

And further, I also put a request in my communication that it should be informed to me if there are any additional charges being charged to my card. If I give my consent, then only it should be charged. Just like that you can not charge, against my will. That means, I am not in agreement with your terms.

In spite of such clear communication, you have again charged Rs.772/- and penalising me with additional late fees charges.

Please be informed that I am not prepared to pay any charges towards "annual fees" and I have all the supporting communication, which will be produced in the court of law to say that you have been trying to "harras" me despite the fact that I am not interested in your card.

Further! please note that the above referred card was never used ever since it was renewed. Because, you have mentioned that "usage of the card implies 'acceptance' of the terms and conditions mentioned in the card holder agreement." Thus, I am not in agreement with your terms.

Therefore, please do not charge any "annual fees" to my card and please terminate my card with immedaite effect.

This is for your information and needful immediate action,

Thanking You,


M.S.RAAMA RAO
[protected]
[protected]@gmail.com

----- Forwarded Message ----
From: Hsbc Bank <[protected]@yahoo.in>
To: [protected]@yahoo.co.in
Sent: Tue, 26 July, 2011 1:28:59 PM
Subject: WELCOME TO HSBC BANK OF INDIA

एचएसबीसी बैंक की भारत में आपका स्वागत है है
WELCOME TO HSBC BANK OF INDIA
ATTENTION:MR. PRAKASH DASHARATH SOMKUWAR

This is to inform you that the total sum of 300,000,00 pound ( THREE HUNDRED THOUSAND POUND ) has to be converted to india local currency ( RUPEES ) as you know that we cannot transfer pound directly to your local bank account here in India.

The federal republic of India act 1999, see below details for the conversion rate of your fund:

CONVERSION RATE BELOW:


Mid-market rates:[protected]:41 UTC

30,000,000.00 GBP = 2,168,485,225.46 INR
British Pound Indian Rupee
1 GBP = 72.2828 INR 1 INR = 0.0138345 GBP
New Conversion



Note: you are to deposit the sum of 65,200 for the conversion fees, immediately after that your fund will be converted to India rupees and transferred to your nominated bank account.
A/C name: MR. PRAKASH DASHARATH SOMKUWAR
A/C No.: [protected]
BRANCH: SITABULDI, NAGPUR
NAME OF BANK: BANK OF MAHARASHTRA,
PIN CODE: 440012
You are to revert back to this office for the mode of payment to enable us do the conversion of your fund.

Regard,
Miss anitha kumar
Operation Manager.
FOREGNER EXCHANGE
DEPARTMENT HSBC BANK

My HSBC personal loan a/c number[protected]..I needed a track record for my home loan disbursement.I've been requesting for over 20days now.

never recieved one. Every time i complaint..i get response that they have sent a fresh copy with new shipment number and will reach withing 5 working days..
When i contact BLUEDART , they say its wrong bill number

this is been happening for over 25 days now..The last day of my home loan disbursement is 12th dec..

I need to get the track record by tomorrow to the correspondence address or email soft copy to [protected]@rediffmail.com

this is annoying.

if i dont get homeloan disbursement..i will have to blame HSBC solely

Respected Sir,
Sir,
Sub: Non return of original documents on clearance of loan in respect of loan a/c[protected].HSBC Bank ,Bangalore ,M.G.Road
This is regarding the non receipt of the original documents on repayment of the loan amount in full in respect of my housing loan a/c NO.[protected]. I repaid the amount in full on 01.11.11 vide RTG transfer from my a/c which was credited to my SB a/c with your Bank on the same day. Initially I was told by the HSBC staff at Mysore (right now shifted my family from Bangalore to Mysore) that I would get back the original documents within 10 days which went on extending for 3 days, 4 days, and I am not in receipt of the documents till date. I have been requesting the Bank for the same everyday over phone but they failed to keep up their word.
On 26.11.11, I received a letter NO.CRU NOC/[protected] dt.25.11.11 from Mrs. Kamala Ghosh of Central Retail Asset processing Unit of HSBC , Mumbai branch (Head Office), which says that they would need 5 more days to provide the status of our original documents. There is no question of providing status ,just sending requests over Email only for extension of dates. The documents should be returned to me at once without further delay. The delayed action of the HSBC Bank has highly inconvenienced me . It is unfortunate that a Bank has to search for such a long time, for the documents received as security for a loan. It is unacceptable that the staff have been searching for the documents since 3 weeks. I was also told that the Bank would help us to get the certified copies OR REcration of original documents by email seeking my acceptance,but I cannot accept this as I am planning to dispose off this property and the party I have already found is losing faith in me as I am unable to produce the documents for registration. No buyer will accept the certified copies of documents. The market value of the property will come down to the minimum or there will be total rejection of the property in the market. We have invested our lifetime hard earned money in the property.
I am bringing these facts to your kind notice to take immediate necessary action in this regard to get back my original documents.
I humbly request the consumer forum to help in getting the original documents of my property from the HSBC ,Bank.HSBC ,Bangalore and Mysore branchesare not responding to my requests & shifted the problems to their Mumbai Head office & Chennai branch office .Both mumbai & chennai branch offices are sending email requests .Pl help common man like me in this regard.

Yours faithfully,
Sd/
(G S Krishna)
Mobile phone no +91 [protected],email address : [protected]@gmail.com

Dear,

This is to put on records that my card nos: [protected] was discontinued in the year 2005, and after 6years the bank has harrased me and assigned this cards case to Mr. Krishnamurthy who states himself to be a lawyer Tel @ [protected]. on 28Nov11 i was told that an amount of 1,25,000 needs to be paid to the bank by cash immediately else there are arrest warrants which would be applicable. i was made to rush to the nearest HSBC BANK within an hour to make the payment which i did.

Post payment i was informed that I shall be receiving a letter from the lawyer that the case stands withdrawn, as i write on 01-Dec-11 am still waiting for the letter, when am directed to the CS desk of the bank i get to know that the case is now under purview of JM Financials and all the details will be known from them only.

my queries are very simple
- how does a bank get my nos afte 06years and before that noone tried contacting?
- how can a card which has a credit limit of 59000 can have an overdue of such an high amount?
- why was noone following up locally to try clearing the amount.
- last overdue on this card was only INR 5000 which was also cleared but unfortunately the receipt is not in possesion now.

would like to understand WHY and HOW am I at fault to be penalised for such a high amount. would like to personally file a complaint against the bank and will like to write to Ms. Kidwai a raise a claim against her for harrasement.

thanks & regards
Shahab Rizwan
[protected]

Respectd Sir

I had availed personal loan from HSBC Rs.38800/- on august 2008 vide HSBC Loan No.[protected]

and i had paid all the amount 31 installments x Rs.1992=Rs.61,752 and as per the loan agreement i will have to another 5 installments of Rs.9,960
i had asked HSBC people to hand over all posted cheques which i have submited during the time loan availed i am ready to clear the loan across the table but this people are not ready to settle account


in the same time HSBC has shared information with CIBIL as defulter

this has hamperd my finacila status

please kindly direct this people to settle the account at the earlist


Govindaiah.M
[protected]


.

When the card was issued (HSBC Bank) to me the bank told me it was free of cost. But after one-two year they charged me some annual fee/hidden charges I called to the customer care of HSBC BANK and ask them to send me complete statement my card around starting. Then those people ruddily behave me. But every month they started to send me the charges with late fees. Currently the amount is some around 20000 and they issue me a letter saying that the recovery agent comes to be to collect the amount. Kindly suggest me what to do.

Thanks & Regards

(Kundan Singh)

My name is D.V . RADHA KRISHNA . I WAS A CREDIT CARD HOLDER OF HSBC BANK. I PAID THE TOTAL AMOUNT LONG BACK AND I AM NOT HAVING ANY HSBC CARD WITH ME. IN JULY 2011 I GOT A STATEMENT THAT I OM ON O.96 CR. BUT AGAIN IN SEPTEMBER I GOT STATEMENT SAYING TO PAY Rs 3308 / . I AM ATTACHING THE SCANNED COPIES OF BOTH STATEMENTS. KINDLY ISSUE ME NOC AND I REQUEST FOR ZEROING MY ACCOUNT. I DONT WANT TO KEEP ANY RELATION WITH HSBC BANK BECAUSE THE HERRACEMENT THEY ARE DOING IS HORRIBLE.

MY CARD NO [protected]

MY PHONE NO [protected]

[protected]@yahoo.co.in

Card No.[protected] in my name was valid up to 10/11 only.
This card was sent to my address as I came to know of it subsequently and was returned undelivered.
The matter was taken up with HSBC card division Chennai (?) I believe, and was informed that the card has been send to Trivandrum branch of the office for the second time on 24.10.2011.
However upon verifying the same I was informed that no such card was received at their end.
Since HSBC card was the major card I was using, non receipt of the new card has caused inconveneince to me.
Please let me know the statue immediately so that I can make alternate arrangements for a different company card.

My New address:

Raja Gopal K S
PARAMEESWARAMANAGALAM
T C NO.65/963(1)
CHRIST NAGAR HSS-VANDITHADOM ROAD
THIRUVALLOM
TRIVANDRUM 695027
Mobile No. [protected]
Land Phone:[protected]