Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

Dear Sir,

I have settled my HSBC credit card of 10000/- in March 2007, while settling the outstanding amount the hsbc executive has given settlement copy saying all the dues cleard and no more calls will be received,but unfortunately since last 4 years they are calling regularly and asking to clear the due amount.I have spoken to Mrs.Geeta das head of chennai but no use Still today iam receiving calls from HSBC Bank . Thank you.

Hi,

I was using credit card of HSBC, ‘[protected]’ during 2006 timeframe (in Bangalore) and I’ve used it for very small duration. Later since I was not keen using this card and that I decided to relocate to Delhi/NCR, I did visited HSBC’s MG Road branch in Bangalore for clearance and closure of my credit card A/c ‘[protected]’. All settlements were done nicely and we had no due payments. Isn’t this card supposed to be marked as in-active by HSBC?

All of sudden, I got a call from HSBC, on 26th March evening, asking for an outstanding amount of INR 7952.68 as settlement of this A/c. The only details that the collection department shared with me was that I supposed to pay Rs38/- in year 2006, which today has become Rs 7952.68/- and the person from collection department was not listening to me at all. From a global branded bank like HSBC, don’t we expect courteous behavior?

When we looked in past, there was a small mistake by my wife that she made a transaction on this void card. However, she immediately cancelled the transaction as a corrective step since this was an already cancelled card. The transaction was clearly reversed and cancelled, hence stands void and we can share the records for this. And, the reversal was clearly mentioned in the confirmation mail from merchant. There was no information gap. Isn’t it a major bug in HSBC system that an already in-active and cancelled card got swiped?

Further, when we got to the depth is this issue, HSBC records are reflecting a transaction of INR 651.00 (USD 15.95) that was debited from this card account on 23 November 2007. Later on cancellation, the merchant Google * Buy Com had refunded the transaction amount of INR 612.48 (USD 15.95) on 28 November 2007. It’s a small difference coming from difference of currency rate but HSBC is treating it as an outstanding amount of INR 38.52 from my side. Should HSBC make an issue for such a small matter and why they are putting it on me, why not on the merchant? What if currency rate would have gone up?

Hence, it should not be treated as an outstanding amount from my side. Also, HSBC never informed me on my permanent address we could have clarified the matter earlier. HSBC was having all my contact details in Chandigarh, but there was no phone or reminder sent to me from HSBC. Prior to this, I was holding a salary A/c and was a preferred customer of HSBC during[protected], I never had any problems with HSBC at that time. Shouldn’t bank inform the customer well on time in case there is any open issue? For issue of a new card they will be ready to do anything, then why we see issues with closure of credit cards? Why HSBC didn't reminded me earlier on the permanent address?

It’s a humble request from me that this case should be treated as an exception and kindly look at waive-off option for Rs38/- amount, this is not intentional.

In case more details are required on this, I would like to meet any Sr. Manager in Gurgaon to clarify this. Please provide the contact details

What's the best way to address this, please suggest


Regards,
Parveen Arora
[protected]

dear cibil customer care ilike to let you know abouut me what happend about hsbc bank customer came to me to open a bank account . so isaid go ahead to open so after a week or 2 week came later canot open so after 1 month or littil longer later iwent to bank at connaught place new delhi to open a account so one week later bank say you in black list and your pan card also so i request it please provide me so ican take care off so they donot like to help they just want to me to do your self so ilike to request from you please provide me detail ad how ican solve this problome which is iam not wrong and didnot do this type so please help me and let me know or call me [protected] or please email me to mohd [protected]@hotmail.com thanks so much

I was a credit card holder of HSBC Gold Card bearing SNo. [protected]. My card was in overdue status for over 8 months (due to financial crunch at my end). On a follow-up in January 2011, I interacted with their collection Agency named INSHA FINANCIAL regarding payment of the full amount. They firstly insisted on settlement and upon my persistent request agreed for a full payment of the card dues. I however requested them to see if some of the late payment and penalties could be reversed and I could close the card with principle (23,996) and the compounding interest for the period at their stipulated credit card rate. The agency suggested that they had a waiver of approx 7000 available and approved for me and that I needed to pay only 35,000 out of the total outstanding of 41,700. I paid as per the time limit they gave me and after the payments were realized through chq of 11,700 and cash 23,300 they stopped taking my calls. I escalated the matter to the regional collections head (Gentleman named Rohit Tyagi) but to no avail. All I was told was that the agency had made false/ fraudulent commitments and that I should pardon them and make the balance payment to the bank at the earliest. I agreed with the collections head and requested him to de-license the agency to prevent such fraudulent transactions in future to which he also stopped taking my calls. I feel cheated as now the statement got generated and I would have to pay financce charges on the balance 7000. I could have easily paid the total outstanding at one go if it were not for the fraud agency - INSHA FINANCIAL. Both the transacting field agent and his supervisor were belligenent and very confident throughout that nothing could harm them no matter what commitments they make to customers as HSBC only cares for the recovered amount no matter what means are used to get it out from customers.

I am Dr.Radheshyam Sharma from Nagpur having HSBC credit card no.[protected].
I have received last 2 letters on 26th November 2010 & 23rd December 2010 from HSBC end regarding reversal of payment.
but still not recieved NOC letter or any letter regarding revert of my name from CIBIL report.
Please help me out.
Thanks in advance.

Residence Address;-
Dr.Radheshyam Sharma
Flat No.-5,Nandlok appt,
Above SSB Bank
Nandanvan
Nagpur-9
Mobile-[protected]
[protected]@gmail.com

I accessed my CIBIL report to get the shock of my life as it is showing an outstanding of Rs 12000 for HSBC credit card. My name is flashing in defaulters list. That is a bad thing!!

I called the customer care to know more about it and god damn people they are, they cannot access transaction history, cannot tell me where the purchases have been made, cannot tell me when the purchase has been made, BUT they could tell me that I have to pay a certain amount. I asked how much and the reply was Rs 37536/-. This was second shock.
I asked why but the customer cars doesn’t seem to care about customer and she (APEKSHA) simply said that
1) Pay the amount (Will take 7 WORKING days)
2) Again call customer care and raise request for Nullifying (Another 2 WORKING days)
3) Again call customer care for No Dues letter (7-12 WORKING days)
All in all it will take at least 25 Working days even if I offer to pay the all OUTSTANDING right away. YES, I did offered that as well, because I needed the No dues for my Home loan application. So even without making any purchases I offer them to settle it – take all cash right away and give me No dues. But the lady was adamant and had no sense o[censored]rgency at all.
(THIS WAS THE WORST PHONE BANKING EXPERIENCE I EVER HAD)

Now I went to Ram Maruti road branch, the receptionist was rude like anything. I went to meet the person who can answer credit card queries. Amazingly pathetic services they provide is proven by the fact that even she cannot tell me where and when the purchases have been made. She has no access to transaction history at all. All she said me is that I have to pay a certain amount.

With all hopes shading I asked where should I go, Please tell me if someone can answer my queries. I was offered to go to MALAD office as collection department sits there. She said that they will be able to resolve your queries. I drove all the way from Thane to Malad at the peak of traffic and that took me 2 Hrs to reach there. After initial scrutiny at the reception followed by the same at entry gate, I could manage to get to main HSBC reception. The guy called some guy and handed over the phone to me. I asked him if he could give me some 5 mins of his time and can listen to my problems. Quite shockingly the answer was NO. Guy at the other end named ASHWIN ZOLA said that he can talk to me on phone but neither he will comes down nor he will let me get in. I pleaded for some 2-3 mins saying that ‘Dude I have travelled all the way from Thane till Malad and that too not by myself, I have been told by your Branch only’ that he can help you. Even than you can’t meet me in person. How frustrating it could be when you have to do all this just to talk to the other person on phone. I mean Cant I have done that from my home ????????

Anyways he said that :
1) Pay the amount (Will take 3 WORKING days )
2) Request to Nullify (Another 2 Days)
3) No Dues letter (Another 2 days)
I have paid the amount and request for nullification has been raised. Right after request for Nullification has been made, he is not interested in picking the call.
WHAT AN IRRESPONSIBLE AND ‘I DON’T CARE’ THE WHOLE STAFF CAN BE

Now I had to make the grilling journey from Malad to Thane again, and I did that !!

Back to Ram maruti road branch – I asked very calmly (Yes, I was exhausted like anything so cannot speak in any volumes) to receptionist that you should know that Malad office doesn’t talk to customers directly and you should not direct your customers to visit there. Again the response was ‘NOT INTERESTED, You can say any damn thing, I don’t care.’

I asked that I need to make the payment through check (Yes, I did that). And after the payment I want to close the card. I wrote an application and where I said that my whole experience with the card was not good and since all the payment has been made, so please cancel this card. She took the application and wrote it again, here she removed the part where I have raised my concern over the card. When I said I want to keep that part her reaction was shocking. She said – ‘Now I am not going to accept the application’. Who the bloody are you accept or reject anything. I have to submit this application to Bank and hence process it. Who the hell a receptionist is to tell me what she will accept and what she won’t.

Finally I had no option now and to leave it to time. As they said call the customer care again and raise the request for No dues. I am still waiting for that certificate.

In between as I really needed the certificate I thought of visiting another branch. I went to Powai, Hiranandani branch. I narrated the problem and NIRMAL did helped me out there and provided a copy of No Dues in 1 day.
(Now, How something that would have taken 25 days according to phone banking could have been done in 1 day, Do their phone banking guys so STUPID and WORTHLESS, not knowing what job to do. Creepy and service)
Still, genuinely he is the only person of at least 100 guys to whom I talked in HSBC, who is willing to help.

Still the whole experience has been no more than a worst of nightmares. From this time on I have destroyed my HSBC credit cards and will do the same for my relatives as well.

Bank ppl are charging untold and hidden chnages in me emi and thretening by telling i wont be recieved any loan closure statement . Is this the way they should behave with customers. And loan recovery agent named Netha from Mumbai has spoken so badly and rudly to me. In process she was talking so loud and was telling like " You have taken form bank loan" So you have to be obedient while talking to bank ppl..

Is it correct that we have to pay what ever amount they levied on us...
I was promised by manager from HSBC mgr it self that there wont be any hidden charges while i had taken loan.But now all this ..Donot know what to do now ..So logging a complaint with a hope that i would be getting some suggestions or guidance to tackle this issue.

Regards
Monica Yekula

Dear Miss Naina,


My father (Mr. Lalit Abbi) is having a Personal Loan (Loan No.[protected] from past 3.5 Years. We had paid 50% of the Payment but from past few months , we are having financial crunches, We are not able to pay the balance amount.


Today,i.e. 16 March, 2011,one guy named Shanu came from Horizon Credit Management Service , 52 IIIrd Floor Batra exclusive building old rajinder nagar market,delhi.He came to my Home and Misbehaved my Mom, He torchured my mom in a very severe condition. She got HOSPITALISED after this. He misbehaved and abuse with my mom and my elder sister.He had taken Rs.1500/- from my Mom and didn't give any reciept. This is just very unprofessional. And one thing more, Somebody named Sunil Verma,K-14,Sector-18, Noida from HSBC BANK Itself is also involved in this.

And In future if something happened to my family members, Horizon Credit management Service and HSBC BANK is totally responsible for that.


Thanks
Kritika
[protected]

This is regarding the card # 4476 [protected]. This card was closed long back. I have been calling up the bank every now and then to close on the same. Each time i call i see the card is active and the account balance increasing. I have not used the card at all. Why should i pay for the card which i do not own or have not used. This card was pushed on to be by the marketing folks 3 -4 years back which i destroyed when i got to know that the card was not free. I had called customer care too number of times on this with no help only asking me to pay the amount. I agree if i would have used the card iam liable to pay but not for the finance charges which you kept on leving on me.

Hi,
I am Aneez Ahamed, from Chennai and I had used HSBC credit card for around 4 years from 2004 and I went out of the Country on 2008 and so didn't made timely payments on my HSBC credit card from April 2008.
After I came back to India In August 2010 I approached HSBC bank Credit Cards Section,Nagabrahma Towers - Chennai, to clear of my outstanding dues.

They informed RS 300,950 is pending in my account including all the huge interests, penalty and taxes. I have used for only lesser than 55,000 rs and so HSBC representative and HSBC bank agreed for the Settlement amount of 60,000 rs after discussion with me. They have also informed me that my name will be cleared out in the CIBIL report with the Status of the Card in CIBIL report will be also updated correctly.

I have made the payment completely by[protected] and have got the NOC from HSBC on November 26,2010.

Now i have got my Credit Report from CIBIL for my cross Verification and it is very shocking to see that status against my HSBC credit card is POST (W/O) Settled.

Following which I called the customer center which informed me to contact HSBC collection department. On calling HSBC collection department, they have no clue and informed that they can send me NOC nothing more and asked me to check with [protected]@hsbc.co.in.On Further discussions with HSBC Credit Card Recovery section they are informing me to pay further 251,076 rs in case i want the status to be cleared completely. Also they are not giving any assurance over the clearance.

Since i have no dues in my account and HSBC has assured me to clear the CIBIL report once the settlement amount is paid, this is very Hurting that even after 4 months my CIBIL report has not been updated correctly.

I do not want to have a black mark in my CIBIL report. Please help me in correcting my credit history in CIBIL report.

Please here are my card credentials and please guide us how to correct this information .

Bank:HSBC
Credit Card Number: 4476 XXXX XXXX 3136
last Payment: 05 Oct 2010
NOC date : 26 Nov 2010

Thanks & regards,
k.Aneez Ahamed

ME & MY FRIENDS GAVE THE INTERVIEW IN HSBC SUCESSFULLY THE GAVE US CONDITIONAL OFFER LETTER IN DEC & TOLD US THE RESIGN YET THEY NOT CALL US WE ARE UNEMPLOYED SO PLEASE LOOK AT THIS MATTER .

Dear sir,

I am a customer of HSBC Investdirect (client no.[protected] for a long time. Recently i have done trading in my account. The trading was done by me. In the sameday evening i got the NSE contract details on 17.02.2011. There was wrong data entry againt my order even some irrelevant data entry happen and irregular charges taken by the organisation. I make complaints sameday but after continuous follow up they give the reply with some rule which i know and not relevant with my compalints. After that after continous followup they never give me reply and show negligence with my complaints.

Yesterday i placed another fresh complaints but expectation is less. Their standard time after complaints is 3 days as i know but they take more than 15 days even today they don't agree with their mistake. Atleast if they accept their mistake and confirm me further action, then it could be helpful.

I need your help to solve the problem.

Thanking you,

Hi,

I have bad experience with HSBC credit card,They Opted for Balance Transfer,so many times rejected for it,one bad day i accepted it. had paid all the dues along with two months interest rate.again they are saying 150 Rs is pending towards your A/C.for this they sent one Collection guy and again i paid 150 rs ,for this they added late payment charges 600 rs .but i did not ask any one to come and collect the money.For 150 rs they are doing these things, after collecting the money also.


please guys careful about this bank.

Dear Sir,
Iwas having a credit card of HSBC bank.looking toward my good repayment history,they issued Add-0n Cards in the name of my two sons.latter on due to some financil crises I could not pay the minimum amount due in time.Bank has forwarded my name as well as names of my sons to cibil.I have settled the card account as per banks requirement.but the name of my sons are still appearing in cibil report due to which they are unable to get loans.The Add-0n card holder is not at all responsible for any default in payment.it is primary card holder who is responsible for any default.My sons are suffering for no fault of theor own.WHAT SHOULD I DO THE CLEAR THEIR NAMES FROM CIBIL REPORT

Dear Sir/Madam,

I am using the HSBC credit Card .The Credit Card Limit was 40000 Rupees .I have used around 35K in the year 2006 and paid around 12 k.Due to my personal reasons I couldnot pay the remaining amount.After 5 years I mean now they(Thirdparty) are harassing my parents everyday .They are saying that They will go to police.

My parents are Farmers and they also aged around 65 years.I am staying faar away I donot have proper job.So please advice me how to get remedy from this issue and how can I come out from this strugle.

Dear Forum
I am a HSBC personal loan customer, took the loan about 4 years before and settled the loan for 80K INR and paid half of the amount in one installment. However I couldn't pay the rest amount and I had to go overseas. After longtime now, I got a legal notice from an advocate stating that I didn't appear for the case in the courts and they would be sending a notice to cancel my visa and passport. I didn't receive any notice/communication from the bank for the last 4 years and got surprised to see the mail on the legal notice.
I have responded and called the bank and bank is saying my outstanding payment is around 1.4 Lakhs INR.
I have requested the bank to close the loan by letting me pay the rest of amount from 80K settlement as I am in critical financial conditions and they are denying.

Below are my queries.
1) How valid is the legal notice one me and how should I respond not to have any further legal proceedings.
2) Is it legally possible to cancel my visa based on the bank's complaint.

Kindly suggest the ways to proceed.

Debasish Das,
Technical Assistant,
National Highways Authority of India,
G5 & 6, Sector 10,
Dwarka, New Delhi-110075.

(M) [protected]
E Mail : [protected]@yahoo.co.in

February 12, 2011

To
The Nodal Officer,
HSBC Bank, Credit Card Division,

Ref. Credit Card No. [protected].

Subject : Regarding payment of Rs.16,019/- vide cheque no. 575436 dated 29.01.2011,
Canara Bank, Rajouri Garden, New Delhi.

Madam/Sir,

I refer to your email of 11th February 2011 address to me for request, to liaise with canara bank for clarification of canara bank cheque Rs 16019/- which was already debited my SB A/Cs. In this reg. I forwarded a letter to canara bank by email ([protected]@canbank.co.in) on 11.02.2011. (copy enc.) and it is also mentioned that the tranjuction of above cheque is under.

Cheque tranjuction date 02.02.2011
Amount Rs. 16019/- (canara bank)
Batch no. 6486
User ID no. 49205
Authorization no. 50012

Unhappily I inform to you, your bank officials make lots of phone to me (Mobile & Residence land line phone also) for unpaid outstanding balance. In this reg. I request them, the matter is under process, and I submitted all the documents by email, the payment an amount Rs. 16019 /- has been already done on 2.02.2011. But still now they can not understand and ring me several times. This is only a mentally harassment. I can not tolerate this type of disturbing.

So therefore request to you please rectified my credit card accounts and given URGENT instruction to HSBC phone call officials for not disturbing me by phone on residence land line phone, only limited call me on mobile phone ([protected]). Otherwise I have to complain to consumer forum.
Yours sincerely,

(Debasish Das)

1. Copy to Consumer Complaint Head/Nodel Officer - For Urgent n/a please.

Hi,

I took HSBC credit card by 2005(card number: [protected]) and when i took they told it was life time free card. when i stoped using the card (by 2008) they started charging my card like yearly fees and some maintainance fees which i was not aware and by 2011 they started calling me and torchering me telling that i have to pay some lumsome amount .Now a days i am fed up with the calls from the collection dept and thretening me.

So please dont take any credit crd from HSBC

I definitly will not pay any amount for such a bank who will be cheating the customers

If any one facing the same issue please let me know .I am planning to go legally

Thanks
Ayyappadas U S
phno: [protected]

I cancelled the HSBC Credit card, and sent the card duly cut into two halves, thus disabling its further use. HSBC's customer service acknowledged this cancellation as having received on 6th August 2010. They wrote that I should reconsider cancellation. I was physically not in a position to use the card as it had been irrevocable made unusable.
The Bank has now written to me by 3rd Feb’2011 that the Credit Card is yet active as per their records. That I have not used the card since June/July 2010 is obvious from the Bill Statements.
The Bank made two payments to Skype, one in September 2010 and another in November 2010 overlooking the fact that the credit card had been cancelled and acknowledged by the bank WEF 6th August, 2010. These payments were “Online Card Not Present Transactions” by the bank without any authentication or authorization by me; while I am prepared to make the payments of the Auto recharge Bills of Skype, I cannot be charged late payment fees of Rs. 1000/ on a payment dues of Rs 644/-. Made to Skype by the Bank .Further No fresh membership fee for the current year is payable by me, as the Credit Card had been cancelled by me by August 2010 itself. I cannot be penalized for Banks bureaucratic delays and inefficiencies.

The case in gist is as follows:

(a) I cancelled the Credit Card and sent surrendered the Credit Card by sending back to the bank the Card cut into two halves , disabling its physical use.
(b) HSBC acknowledged to have received the cancellation of the Card by their letter dated 14th August 2010.
(c) Subsequent to Cancellation the bank made an Auto Recharge payment to Skype of about Rs 633/- (10 Euros) in the month of September 2010.This “Online Card Not Present Transaction” has been made by the bank after the my cancellation of the card without calling for any Authentication /Validation from me.
(d) There was a credit balance of Rs 326/ as per their Statement with due date for payment on 4th October 2010.
(e) In the meanwhile I sent a Cheque for Rs 354 / Drawn on HDFC Bank by July /August 2010 for settlement of all dues.
(f) The Bank adjusted the above cheque against the credit balance stated under (d) above and showed a net payable amount as Rs 326, in their bill due for payment in Nov’ 2010 on account their payment to Skype made in September. They had not accounted for my Cheque referred under (e) above)
(g) The Bank adjusted the above referred Cheque payment in their bill due for payment in Dec’ 2010 and showed a net balance payable amount Rs 00.90.
(h) I was hoping that I have closed the HSBC credit Card account and my card has been cancelled irrevocably.
(i) Bank had not sent any further bill due for payment in January. But they sent bill due for payment in 1st February 2011 showing an opening balance payable as Rs 1073/-.On verification of the account of Skype , I found that the Bank had made another payment to Skype , an auto recharge payment – an Online Card Not Present Transaction , of Rs 644/-(Equivalent to 10 Euros). The Skype Payments made by the Bank were Online Card Not Present Transactions without my involvement.
(j) In the above bill the bank for payment in 1st February 2011, added fresh membership fee of Rs 700 for the current year. They also added further late fee charges to the outstanding and raised my payment dues to Rs 2350.91/-
(k) When I have represented the matter to the Bank, the Bank by their letter dated 3rd Feb’2011, has made a startling statement that the Card is still active. This is ridiculous, as I a do not have any card with me now. The Bills bear out that I have not used the card since June/ July 2010 and no payment is charged to the card from my end. The “Online Card Not Present Transactions” for payment to Skype were made by the bank on its own volition, and I can not be liable for bank’s defaults.
(l) I am prepared to accept the Skype Payments made by the bank even though they are made after cancellation of the credit card and without any authentication /Validation by me .By this I am liable to pay the Skype Charges only of around Rs.644/ .
(m) I cannot be made to pay late payment charges of about Rs 1000 / on a Skype payment of Rs 644/.Further I am not liable to pay any fresh membership fee for the card for the current year as the card itself has been cancelled by August 2010.

R.Kalaignanam

ATTACHMENT:(1)- My Letter Dated 12th Feb 2011 to HSBC



Page 1 of 4
To
The Manager-Customer service, February 14, 2011
The HSBC Limited,
Customer Connect, 96, Radhakrishnan Salai,
Mylapore, Chennai-600 004
Email:[protected]@hsbc.co.in

From
R.Kalaignanam,
1903,Sapphire-B2,*
Regency Towers,
Kavesar,
GB Road,
Thane West-400 607
Tel:[protected]
E Mail: [protected]@yahoo.com

Sub: Your Bill Dated Nil for Period 11th Dec 2010 to 10th January 2011
Reference:
a) HSBC A/c No:[protected]
b) Your Email response Dated:3rd February 2011 to my letter dated 1st Feb’2011

Dear Sirs,

1.0 It appears that you have chosen to reply to my referred letter in a casual manner without adequate application of mind to understand the case. I would attempt once again to explain my position lucid enough to enable your appreciation of the case and the related facts.

2.0 YOUR CONTENTION THAT THE CREDIT CARD IS STILL ACTIVE IS ERRONEOUS

2.1 You have contended in your above referred Email Response that the Credit Card in question is still active as per your records. This contention is erroneous and unjustified for the following reasons:

(a) Please refer your own letter dated 11th August 2010 referring to our letter as received on 6th August 2010. you have stated : Quote
We request you to reconsider the cancellation of the credit card and continue usage of the Credit card’ etc. Unquote
(b) Our decision of cancellation of the card has been conveyed to you by returning the card in question cut in the middle, back to you along with our letter intimating you of our cancellation of the card. The mutilated credit card disabling its further use has been sent back to you as per the advice of your local CS department. Since we have surrendered the credit card duly mutilated, disabling its further use, our cancellation is rendered irrevocable.
(c) You have acknowledged by your letter dated 11th August 2011, that you have received my above (Under (b)), referred letter surrendering the mutilated Credit Card and informing you of the cancellation of the Card. You have clearly acknowledged in your letter on our intimation of the cancellation of the credit card
(d) You are aware that I was not in a position to use the card any further as I have sent back the credit card duly cut in the middle disabling its further use. Thus the cancellation of the card was final as the Credit card was irrevocably rendered unusable and surrendered to you with my cancellation letter. Accordingly your claim that the card is still active is absurd .It is a poor reflection of your processes.
(e) If your request for reconsidering cancellation vide your above letter had to be effective, a new card should have been sent to enable our further use of the card. In the absence of any action enabling our further use of the card, the cancellation of the card as intimated by us was final and irrevocable. Hence your contention that the Credit is still active, not taking cognizance of my cancellation of the card is void and repugnant to law.
(f) Our physical impossibility o[censored]sing the card any further beyond the date of my cancellation of the Credit Card is not merely hypothetical. That no transaction has been made by me using the card, after our cancellation of the card is self evident from your bills. ( The Auto recharge payments made to Skype are directly made by the bank without my involvement )
(g) You have charged to the Card two Auto-recharge Skype payments, one in September 2010 and another one in November 2010 after as shown in the bill made from your end without my involvement both made after my cancellation of the Card. These payments were online Card Not present Transactions from your end; your erroneous charging to the card would not in any way affect the cancellation of the Credit Card WEF 6th august 2010.
(h) Had you followed the Reserve Bank Mandate Notification dated February 18, 2009, all Banks are mandated to provide an additional authentication/Validation based on information not visible on the card for all “online Card Not present Transactions”, I would have been spared of this agony I am subjected now to , on account of your ineptitude.

3.0 SKYPE PAYMENTS MADE BY YOU AFTER CANCELLATION OF THE CREDIT CARD HONOURED BY ME

(a) You have made some vague absurd statement about charge-Slip, or acknowledgement by bank etc without understanding the payment process followed by you in respect of Skype. There is no charge-slip involved .I have also not questioned the veracity of your payments to Skype. What all I have stated is that you have made the payment to Skype for auto-recharge against the Credit Card which itself had been cancelled by me much earlier and that you are not entitled to charge to the cancelled card on your own volition without my involvement.
(b) Notwithstanding these facts I have already stated in my last letter dated 1St February 2010 that I agree to pay the Skype bills as the payments made are genuine notwithstanding the error committed by the bank of paying against a credit card which had already been cancelled by me.
(c) When Skype raised the routine “Auto recharge” invoice, HSBC should have advised Skype that the Credit card against which the payment was claimed had been cancelled and hence you were not in apposition to make the auto recharge payment. If you had followed the RBI mandate of additional Authentication /Validation on this Card-not –present transaction, you could have avoided the errors committed by you.
(d) Please understand that I do not have any dispute with Skype. Please make efforts to understand how the Skype payments were being made from your end. Accordingly .Your advice how I must dispute the transaction as per your established procedure is childish I reject them with due contempt as absurd and inapplicable.

4.0 OUR ATTEMPT TO CLOSE THE ACCOUNT THWARTED BY BANK

(a) Not withstanding that you made the payment of Auto-recharge in the month of September 2010, against my Credit card which had been cancelled in the month of August 2010 itself, I still accepted the payment made to Skype by you in September 2010.
(b) Please refer your bill dated Sep’2010 (Bill Period 11th August 2010 to 10th Sep’2010 showed a balance of Rupees 306.21 to my credit. Taking this credit to my account, the cheque payment of Rs 354 /- made by me drawn on HDFC Bank RefNo: 37404 dated 8th July 2010 as a full and final settlement would have squared up the payment of around Rs 640 /- made to Skype in the month of September by you.
(c) Please refer your bill dated Sep’2010 (Bill Period 11th August 2010 to 10th Sep’2010 showed a balance of Rupees 306.21 to our Credit. In your bill stating payment due date as 1st Nov’2010, (For the billing period 11th Sep 2010 to 11 Oct 2010) you showed a payment of Rs 633.11 to WWW.Skype.Com. This payment to Skype is not authorized by me, as it has been made by you in September 2010 after the cancellation of the credit card. You adjusted the credit balance of Rs 306.21 lying with you and showed the balance amount payable by me as 326.00.
(d) Further by you bill with payment due on 2nd December (For Bill period 11th October 2010 to 10th November 2010) you adjusted the above (a) referred cheque payment of Rs 354/- , you showed a balance amount of Rs 00.00 as payable. The amount and cheque number shown in your statement are erroneous and they should be corrected as stated by me above.
(e) I believed that I had closed the account for good as I had settled all the payments and the card had been irrevocable cancelled
(f) To my chagrin, you made a further payment of Rs 633 or about (Equivalent to Euros 10.00 as I could ascertain from Skype’s Account Statement), unauthorisedly as it has been made after the cancellation of the Credit Card. Though I have not received the bill for the Month of December , I presume the credit balance you are showing in the Bill dated January ( For Period 11th Dec 2010 to 10th Jan 2011) shows a opening balance of Rs 1073/ is on account of the payment made to Skype.
(g) As I have stated before, I shall settle this bill paid to Skype though you have made the payment on your own volition after the cancellation of the Credit Card as it is a genuine payment though you were not authorized to incur this charge to my Credit Card which had already been cancelled WEF 6th August 2010, as per your own admission.
(h) However I am not agreeable to pay any late payment fees on account of your failure to take my cancellation of the card in time. You cannot expect me to pay for all your inefficiencies.

6.0 YOUR BILLS ARE NOT SENT REGULARLY

(a) You have failed to respond to my request to send the bill statement for the month of December 2010 as requested by me vide my letter dated 1st Februray 2011.

(b) You had failed to send your bills earlier also. On our writing to you, you had sent the bills up to bills Bill payable on 1st Dec 2010.I need the next bill where you have included the Skype payment of 10 Euros made by you and the details of additional charges you have added to make the opening Balance in the next bill (as Payable by Feb 2011) as Rs 1073.00 as shown.

5.0 THE PAYMENT MADE TO SKYPE ALONE IS PAYABLE BY ME

(a) The only charge I agreeable to me is the Skype Payment made by you i.e. Rs 640/- (Approximately or about Monday, February 07, 2011), equivalent to 10 Euros.
(b) You have charged an additional membership fee of Rs 700 together with further late fee charges etc making the total outstanding to Rs2350.91You are the only Bank who would charge a membership fee for a card which is cancelled by August 2010 itself.
(c) You have to correct the outstanding as the amount equivalent to 10 Euros, agreed to be paid by me. I would settle this account on receipt of your corrected statement.

6.0 CONCLUSION

(a) I trust the Bank would see the rationale in my request and take remedial measures as needed.
(b) You must check the records, why a customer since 2000 who had never defaulted in payments should dispute your action and cancel the card.
(c) If the bank chooses to be adamant in its unjustified stand , I would have no other option than to invoke the consumer Options available to me including taking it the Consumer Forum , and record my the experiences in “Google Alert “

The choice of touching yet abysmal depths of Customer service or otherwise is resting with the Bank. I await your communication.


Yours Faithfully,

R.Kalaignanam


CC HSBC’s Collection Department: Tel :[protected]

Attachment (2):HSBC Reponse Dated 3rd Feb



Your Credit Card: 5422 XXXX XXXX 9610 (KMM9355231V5106L0KM)
From:
HSBC INDIA NET <[protected]@hsbc.co.in>
View Contact
To: kalaignanam r. <[protected]@yahoo.com>
Dear Mr. Kalaignanam,

Your Credit Card: 5422 XXXX XXXX 9610
Reference Number: [protected]

We refer to your email of 01 February 2011 received through
[protected]@hsbc.co.in regarding concerns on your Hongkong and Shanghai Banking
Corporation Limited (HSBC) Credit Card account.

We would like to inform you that your card account is still active as
per our records.

We take this opportunity to inform you that there is an outstanding of
INR 2792.11 towards your card account.

With reference to your query, annual fee is a part of the regular tariff
structure on your HSBC credit card. Hence, it is charged to your card
account. Reversal of annual fee is offered if such a promotional scheme
is applicable. We regret as we are unable to reverse the same.

We request you to make the payment towards your entire outstanding on or
before the payment due date to avoid further incremental charges being
levied to your card account.

We confirm from our records that the transaction of INR 1282.82 with the
merchant WWW.SKYPE.COM INTERNET LUX was debited to your Credit Card
account on 18 November 2010.

As per the normal process followed by banks, if the merchant does not
submit the charge slip or acknowledgement to the bank within 30 days
from the date of transaction, the transaction will automatically drop
from the system.

If the transaction is billed to your credit card account, we request you
to send us a signed credit card dispute form mentioning the transaction.


The dispute form can be downloaded from the below link:


http://www.hsbc.co.in/1/PA_1_083Q9FFKG80E20RA9Q00000000/content/website/
pdf/personal/cc_customer_dispute.pdf

The dispute forms can be sent to us using any of the options below:

?Email a scanned copy of the completed form to [protected]@hsbc.co.in
mentioning your reference number [protected].
Fax to[protected]

?Send to the addressed mentioned below:
HSBC Credit Card Division
Dispute Desk
PO BOX 5080
Chennai 600 028

On receipt of your form, a dispute will be initiated with the member
bank the resolution will take 30 - 45 days.

We regret our inability to address your query regarding the change of
your mailing address since you have chosen a communication channel that
is unsecured in nature.

Hence, we request you to contact our Phone Banking Services for further
assistance in this regard.

A complete list of our Phone Banking numbers is also available at
http://www.hsbc.co.in/in/personal/phone.htm

For an online demo on Internet Banking and more information on our wide
range of products and services please visit our web-site www.hsbc.co.in

Yours sincerely,

Anirban Maity
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited

"Now you can be protected against loss of your wallet and travel
documents with the Card Protection Plan (CPP). To know more, please SMS
''CARD? to 575750. Conditions apply."


ATTACHMENT (3): HSBC Response Dated 14th Feb'2011 to my letter dated 12th Feb '2011



Your Credit Card 5422 xxxx xxxx 9610 (KMM9422141V56848L0KM)
From:
HSBC INDIA NET <[protected]@hsbc.co.in>
View Contact
To: kalaignanam r. <[protected]@yahoo.com>
Dear Mr. Kalaignanam,

Your Credit Card 5422 xxxx xxxx 9610

Reference Number [protected]

We refer to your email of 12 February 2011 received through
[protected]@hsbc.co.in regarding concerns on your Hongkong and Shanghai Banking
Corporation Limited (HSBC) Credit Card account.

Our records reflect that your card is active as on date and hence the
annual fee has been charged to your card account.

We confirm from our records that the transaction of INR 607.45 with the
merchant WWW.SKYPE.COM INTERNET LUX was debited to your Credit Card
account on 12 November 2010.

As per the normal process followed by banks, if the merchant does not
submit the charge slip or acknowledgement to the bank within 30 days
from the date of transaction, the transaction will automatically drop
from the system.

If the transaction is billed to your credit card account, we request you
to send us a signed credit card dispute form mentioning the transaction.

The dispute form can be downloaded from the below link:


http://www.hsbc.co.in/1/PA_1_083Q9FFKG80E20RA9Q00000000/content/website/
pdf/personal/cc_customer_dispute.pdf
The dispute forms can be sent to us using any of the options below:
•Email a scanned copy of the completed form to [protected]@hsbc.co.in
mentioning your reference number [protected].
Fax to[protected]
•Send to the addressed mentioned below:
HSBC Credit Card Division
Dispute Desk
PO BOX 5080
Chennai 600 028
On receipt of your form, a dispute will be initiated with the member
bank the resolution will take 30 - 45 days.

We request you to make the payment in order to avoid any incremental
charges being levied to your card account.

We regret to note that you wish to discontinue your relationship with
HSBC and cancel your credit card.

At HSBC we give utmost importance to customer service and try to ensure
that the facilities we offer suit your requirements.

Further, we regret to process your request for the cancellation of
credit card as it an unsecured mode of communication.

However, any of the following ways may be opted to cancel the card:

(i) We request you to send us a secured message by logging into your
Internet Banking ID to cancel the card.

(ii) Call the Phone Banking service to cancel the card.

A complete list of our Phone Banking numbers is available at
http://www.hsbc.co.in/in/personal/phone.htm

(iii) A letter can be sent to the following address for the cancellation
of the card:

The Manager
Customer Connect
The Hongkong and Shanghai Banking Corporation Limited
No. 96, Dr. Radhakrishnan Salai
Mylapore
Chennai 600004

Assuring you of our best services always.

For an online demo on Internet Banking and more information on our wide
range of products and services please visit our web-site www.hsbc.co.in

Yours sincerely,

Mili Misra
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited

"Now you can be protected against loss of your wallet and travel
documents with the Card Protection Plan (CPP). To know more, please SMS
''CARD” to 575750. Conditions apply."

HSBC PCL LONDON HAS WROTE ME THAT I HAVE WON 750000GBP(GREAT BRITAIN POUND),THEY HAVE SENT ME WINNER CERTIFICATE,BANK REMITANCE CERTIFICATE,ANALYSIS OF FUND TRANSFER SCHEDULE,CERTIFICATE OF IRRIVOCABLE GUARANTEE/HM AUTHORITY TO REMIT,HSBC FUND REMITTANCE ADVICE NOTIFICATION,MICROS0FT® ONLINE/EMAIL USERS
PROMOTION 2010/2011 WINNERS NOTIFICATION,AN AUTHORIZATION LETTER OF PAYMENTMr. NAME SHOWING IS BY Colin Brown for Bill Gates: General Manager-Microsoft UK services,THEY HAVE DEMANDED 525GBP FOR WORLD REDCROSS DONATION IS IT ALL CORRECT IF NOT TAKE A QUICK ACTON OVER ALL THESE THINGS.

THANKS
RAM CHANDRA JHA