Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

HSBC CREDIT CARD — OVER LIMIT CHARGE

I WAS USEING HSCBC REDIT CARD WITH LIMIT 16, 000/- BUT AS DUE TO FINANCIAL MATTER I COULD NOT PAY ON TIME, I HAD INFORM CUSTOMER CARE AND EVEN MAILED REGARDING THE ISSUE AND TOLDC THEM TO TEMPORARILY BLOCK THE CARD SO THAT NO LATE FEE AND TAX ETC BE ADDED BUT NOW THE PAY MENT HAS GONE UP TO 27, 000/ EVEN AFTER INFORMATION, I TOLD THEM I WOULD PAY BACK MY FINANCIAL POSITION GET BETTER AND NOW I AM IN MENTAL STRESS, KINDLY HELP ME OUT

Someone claiming she is from HSBC namely Vidya, called from her mob num to my cell and asking for Credit card num. I was not sure whether to share such info over phone, I asked her to send me an email on the same

Her claim is she is the one from HSBC who is going to look into my complaints. I don't know whether it is usuall

Looks like the num is from HSBC only. I got email confirmation from HSBC, I handed over my credit card num. Investigation ongoing . Now I have to wait for the end result.

Here is the step by step status about the probelm reported:
1)HSBC has assigned a Nodal Officer to investigate on this issue
2)My credit card is already caceled as instructed by my
3)Nodal officier decided to revert back all the overlimit charges as a service Gesture
4)After overlimit charges reversal I decided to re-instaciate the card again
5) After verfification, nodal officier communicated that they are unable to grant credit card to me for undisclosed reasons(may be the obvious reason could be I am not so kind to HSBC)

Overal in Summary: Overlimit charges are reverted back
I have cleared all my outstanding balances
HSBC declined to grant the credit card again to me.

HSBC Credit Cards — HSBC charging for transactions which I have not done

Hi,

I am currently outside india and the Feb-Mar09 e-mail statement which I recieved reflected a Yatra Online purchase for 30, 088.20 which I had not made. I have raised a dispute to HSBC which is still not resolved. Kindly let me know how to proceed

HSBC Credit Card — Double transaction done

Hi,

I used HSBC Credit card for Rs. 6550 in May, 06. I have made the payment also. But, bank debited Rs. 6550 for the second time. When I asked the reason, I was told the card was used twice for the same transaction. I told the fact that I have used only once. Then the bank people told me to collect the amount from the shop and pay the amount. After 3 months, when I asked the bank people that the shop person is not giving the money, they told me to lodge a complaint. I gave a written complaint to the bank upon which they reversed Rs. 6550, but did not reverse the interest of Rs. 2500. They told me that once the issue is resolved in 50 business days, then they will reverse this amount. However after 1 and half year they told me that I need to pay Rs. 2500 which I dont need to pay. After that they called me again and again to pay this amount and kept levying tax on this which has now become Rs. 12500. Now, they sent me a legal notice to pay Rs. 16000. What do I do on this issue with HSBC bank?

Regards,
Sudhakar Danda

HSBC Ltd — Arbitrary debit by HSBC bank from my Savings account (A/c No051-260925-006)

Dear Sir/Madam,

Please note I am holding above mentioned savings account with HSBC Delhi Barakhamba branch since around past 20 years. Earlier I had one credit card (Credit card No:[protected])also from the same branch, which I discontinued in Jan 2008 after being totally dissatisfied with their services mainly non-receipt of account statements and it was duly informed to HSBC the same day
The intent and reasons to discontinue the said credit card were duly communicated to Bank immediately by e-mail and I even received an acknowledgment for the same from HSBC over e mail. Now after almost 2-years they had suddenly informed by SMS ON 29-10-09 about having deducted an amount of Rs.11324/- as debit, which I could have never used as I had destroyed the said card in Jan 2008. On being asked about the details by e mail, they have communicated this amount being deducted against the same Credit card, which is not in use since Jan 2008. (no details are provided)
Apparently sometime in Dec 2007, there was an issue with the bank regarding some late fee charges being levied by the bank, which I never paid (as I never got the monthly statements in time and the fault was at bank’s end) and the actual billed/used amount was duly paid.
Hence now after almost 2-years this action by the bank is totally arbitrary and unexplainable. That such action is without any pre intimation, so it is really shocking. Moreover I had never consented to adjust or debit my credit card dues from my saving bank account at any time.
I have already written to them asking to reverse this debit but don’t expect a positive action.

Kindly advise further approach in this matter.
Looking forward to your kind feedback.

Thanking You,
Yours truly,

(Manmohan Singh Ahluwalia)
Address:
A-152, Fateh Nagar,
New Delhi-110018

HSBC Ltd — Deactivation of earlier debit card before activating the new one

I have a Powervantage Savings Salary account in HSBC Ltd. The HSBC forcibly converted my Powervantage account into a HSBC advance account without taking my prior approval & sent me the welcome kit for the same.

The kit said I would receive a HSBC Advance Platinum Debit card will be despatched in 10 working days. When I did not receive that card in 15 days, I raised a query through the online secure message with HSBC.

I received the card on 17th August 2010 but still did not receive the ATM PIN. The same day I used my old card for cash withdrawal which was not accepted. I called the HSBC Phone banking no & they told me that the old card has been deactivated on 14th August 2010 & you could use the new card with the same ATM PIN which I checked was not true.

I spoke to the their relevant Manager today & he said it was a mistake.

I need justice that even though I have money in my account I am not able to use a penny only because of a mistake by someone in the Bank. I am cash strapped & the Bank refuses any other help apart from dispatching the ATM PIN within 3 working days. I need to travel extensively outside the city & would not be available in Delhi when the ATM Pin will be delivered to me

HSBC Ltd — Credit Card bill and late fee- CC Number XXXX XXXX XXXX 6263

Head
Credit Card Divison
HSBC Ltd


Sir

This is with ref to said Credit card number. I have been regular customer and loyal in making payment. My last bill amount was Rs 9,000+ I and paid but now executives are calling old contact number and creaing problem for those who are not related to this issue.

I will not run away from payment 300-400 late fee but it was wave off by one of executives when I requested during April 2008 but your document did not reflected it .

So i am paying cost of it. Un necessary calls........................

I have written many times and requested to not call on[protected] for any issues related to HSBC.

Today Mr. Vipin Kumar from HSBC New Delhi called above number and I am sorry to say HSBC is not making a note of this .

Pls. ensure no call happen to said phone number. It was old contact number and no more in use by me.

I have clarified many time to HSBC guys to send me old bills for verification os records, statement .

In case you can not arrange statement, pls. do not call . There is no point in making call and not providing any proof of what is being said..

Hope co operation is solicited.

--
Best regards,

Madhukar Tripathi

Please allow me to introduce myself my name is Michael Mason-Mahon and I am a shareholder of HSBC Plc. I am based in London yet I am a very regular visitor to India.

At HSBC Annual General Meeting of Shareholders 2010 I did address my concerns with the Board of Directors concerning what HSBC India has been doing and is doing in India to our customers.

I may be able to help you. I can assure you that I will do all that I can to help you. I have been very successful in the people that I have taken up their cases with HSBC. Now they will not let me help anymore Indian's. You may wonder why, ask the Chairman of HSBC Plc Mr Flint why.

Please go to this site. This is an interview that I did concerning HSBC.

http://www.youtube.com/watch?v=cB3vbb9Tx7E


If customers UNITE in India and decide to leave HSBC India in support of their fellow Indian's, who are making complaints about HSBC India then this may make HSBC Plc take action.
They talk about their Global Footprint and their Integrity. Please look at the following sites and see what the Indian people are saying about HSBC behaviour towards them.

http://www.consumercomplaints.in/?search=HSBC%20CREDIT%20CARD&page=2

http://articles.timesofindia.indiatimes.com/[protected]/hyderabad/28107457_1_cre...⇄


http://www.consumercomplaints.in/?search=HSBC+Bank

http://www.hsbc.com/1/PA_1_1_S5/content/assets/news/hsbc_11142002.pdf

Offers exciting opportunities to extend Household’s business model into countries and
territories currently served by HSBC.
Now ask yourself is this the Bank for you in India.

HELP STOP ABUSE OF CUSTOMER’S

in

India

So if you would like to contact me and send me your phone number I will call you personally. I will do all that I can to help you.

Kind regards
Michael

Mobile: 0044 [protected]
E-mail: [protected]@aol.com

Just a file a compliant against HSBC in court through ur advocate. also it is better to contact any advocate.

Please allow me to introduce myself my name is Michael Mason-Mahon and I am a shareholder of HSBC Plc. I am based in London yet I am a very regular visitor to India.

At HSBC Annual General Meeting of Shareholders 2010 I did address my concerns with the Board of Directors concerning what HSBC India has been doing and is doing in India to our customers.

I may be able to help you. I can assure you that I will do all that I can to help you. I have been very successful in the people that I have taken up their cases with HSBC. Now they will not let me help anymore Indian's. You may wonder why, ask the Chairman of HSBC Plc Mr Flint why.

Please go to this site. This is an interview that I did concerning HSBC.

http://www.youtube.com/watch?v...


If customers UNITE in India and decide to leave HSBC India in support of their fellow Indian's, who are making complaints about HSBC India then this may make HSBC Plc take action.
They talk about their Global Footprint and their Integrity. Please look at the following sites and see what the Indian people are saying about HSBC behaviour towards them.

http://timesofindia.indiatimes...

http://www.indiaconsumerforum...

http://www.consumercomplaints...


http://www.consumercomplaints.in/?search=HSBC+Bank

Now ask yourself is this the Bank for you in India.

So if you would like to contact me and send me your phone number I will call you personally.

Kind regards
Michael

Mobile: 0044 [protected]
E-mail: [protected]@aol.com

HSBC Credit Card — No due certificate

I closed my HSBC credit card with zero balance. But they not providing the written confirmation with NO due certificate.

I am to inform that i never apply for credit card not i got a credit card from HSBC Bank. But this month i got a statement which is not in my name but address & mobile no is mine. showing that i have an outstanding of INR. 20854.92 out of which an of ICR 3294.92 is over due. but this 3294.92 is debited from my saving Account of HSBC without my consent. so i request you kindly settle the debited amount & take action against those who are responsible for that. most important thing is take action against ur employees who are resposible for this. Are these employees are educated persons or criminals

HSBC — Cheating

Already complained about HSBC credit card cheating ( card no XXXX .............6807) but still getting telephone call for payment,is it nessary to file a complaint in court for harrasment and give them a fitting reply.

DEAR SIR,
I HAVE TAKEN A LOAN OF 22000 FROM PRIME FINANCIAL MALAD WEST IN 2006. IT WAS A HELP OF ONE OF MY FRIEND.
NOW I HEARD THAT SOMETHING GOING WRONG SO I CHECKED MY CIBIL BECAOUSE ALREADY I APPLIED FOR HOME LOAN. I WAS SHOCKED WHEN I SAW MY NAME IN CIBIL REPORT. IT CLEAR NOW THAT MY FRIEND CHEATED ME VERY BADLY BECOUSE DURING THAT PERIOD WE WERE AT J J HOSPITAL WITH MY FATHER WHO WAS UNDER TREATMENT FOR BLOOD CANCER.
I ALSO HANDED OVER ATM & CHEQUE BOOKS AS I WAS A STUDENT AT THAT TIME & I DIDN'T NEED THAT.
NOW MY BANK IS ASKING FOR SETTLEMENT LETTER FROM THAT INSTITUTE.
SO I DECIDED TO VISIT THAT FIRM BUT NO BODY WAS THERE BECAOUSE THEY CLOSED THEIR FIRM BEFORE SOME YEARS AGO.
NOW NOBODY IS THERE FOR NOC OR SETTLEMENT LETTER.

PLEASE GUIDE US WHAT TO DO AS WE ARE ON RENT IN NALASOPARA EAST

REGARDS,
PRADEEP KUMAR PARASNATH VISHWAKARMA
[protected]


HERE IS THE LETTER WHICH WAS WRITTEN BY ME TO THAT FIRM------


Dear Sir,

Please note that the address, phone numbers & customer care number these are incorrect as i tried many times & also visited both address-

1)

To,

Prime Financial

Division of Standard Chartered Investments & Loans Ltd.

Crescenzo - 3A/FL, C-38/39, ‘G’ Block,

Bandra - Kurla Complex, Bandra (East)

Mumbai - 400051

2)

1st floor Classic Business park,

Chincholi Phatak,

Malad West

Mumbai- 400064

Contact Details-

1) [protected] Mobile Number

[protected] Customer Care Helpline.



Above Address & Contact Numbers are not correct.

If you want further action Please give me that proper address & numbers.

So i can visit & communicate with concern person.

Regards,

Pradeep

[protected]

HSBC Credit Card — wrongful account statement

i would like to ask you that generally credt card is issued from mumbai but holder is from delhi then where to file the complaints to consumer court as there is disclaimer that all juridication at mumbai only kindly guide me

I am from chandigarh. Contacted many times at [protected] but every time answaer is sorry.

No card is with me but i am getting fake statement/bill. Unwanted calls came to me and the hsbc concerned realise that wrongly it has done. Next time and never u will recieve any statement. But still it is coming.

Pl verify the detail and ignore. I am not hsbc member.

Ghulam Sarwar
Chandigarh

HSBC — Deficiency in Services, Wrongful Malpractices

RE: Your HSBC credit card ***5902 (KMM3422865I123L0KM)‏
From: Saurabh Singh ([protected]@hotmail.com)
Sent: 01 April 2009 10:21AM
To: [protected]@hsbc.co.in

Dear Ms. Georgina Sum,

Kindly peruse all my previous mails on the subject (appended below this mail for your ready reference), in the past.

The problem started in Dec '08 and not in Jan '09. I did not receive my monthly statements starting then. I have cleared all my dues pertaining to any transactions that have been made until then.

However, I refuse to pay any Late Payment Fee and Finance Charges on account of wrong debiting of my account by HSBC.

Kindly go through my past mails appended below and you would know the contextt of the problem. Also, I would request if only one person was examining the problem as there is a different person each time replying to the mails resulting in prcious time and effort being wasted in making him/ her understand the problem all over again.

I am not asking for any favours, I have cleared all my dues pertaining to any transactions made by me. Even now, I am told that the Due Date for Payment of INR. 613.84/- is 03 Apr '09.

If you are not willing to understand and resolve the genuine complaint of a loyal customer, Please Freeze the Account pending the resolution of this problem as I am not willing to pay for unwarranted charges on account of deficiencies on the part of HSBC.

It's not the question of INR. 613.84/- only. It's the question of the bank accepting it's mistake, rectifying it and and taking adequate steps so that such a situation does not re- occur.

Therefore, pending the resolution of this complaint I request you to "BLOCK" my card immediately so that no further charges (Late Payment Fee, Finance Charges) are levied on the card on 03 Apr '09, again as that would mean an unending agony for me.

To put you in perspective, the outstanding amount due against my card as of today stands at INR. 1555.18/- which is entirely on account of Late Payment Fee and Finance Charges levied since Dec '08. In the last mail from HSBC written by Mr. Makhija yesterday, he informed me about reversal of charges amounting to INR. 941.34/- only.

My contention is that the problem started in Dec '08 and not in Jan '09. Inspite of not having received any statement I paid an amount of INR. 1506/- via cheque and since then have not used the Card even once.

Clearly, my intention has not been of misusing the card by not paying for it later nor have I refused to pay for any legitimate purchases that I have made. Infact, I have cleared all dues against purchases made by me (INR. 1506/-). However, I am outrightly against being held to ransom and arm- twisting by repeatedly being levied unwarranted charges due to non- resolution of the problem in a time- bound professional manner.

Madam, I am not seeking charity. All I ask of you is to examine the case in detail and then resolve the issue. Pending that, kindly "Freeze" my account and "BLOCK" my card so that you do not go about levying anymore Late Payment Charges, Finance Charges against my name as I am not going to pay such unwarranted charges that occured in the first place due to HSBC.

In the event of you not being able to resolve this issue, kindly let me know the way to escalate the issue further as I need to resolve this issue, once and for all.


From

The Desk of...Saurabh Singh

Mob No.- [protected]







Complaint- Credit Card No.- [protected]‏
From: Saurabh Singh ([protected]@hotmail.com)
Sent: 24 March 2009 12:10PM
To: [protected]@hsbc.co.in

Dear Sir,

I have been using a HSBC Gold Credit Card No.- [protected] of your bank. I did not receive my Credit Card statement for the month of Dec '08, Jan '09 and Feb '09.

I had called up your Call Centre and asked for the dues against my card and was surprised to be told that their were late charges levied against my card. I stated the same problem to them and was advised to make the payment for all the purchases that had been done by me.

I accordingly made a payment of INR. 1506/- vide Axis Bank cheque no.- 329994 dated- 19th Jan '09. Now, I have again been levied late charges/ finance charges and other misc. charges.

I have been a loyal and sincere user of my credit card throughout. I have tried to put across my problem many times to your Call Cantre executives but have not got a resolution to my problem.

May I therefore request you not to debit my card for any extra charges as I have not even used my credit card since Jan '09 for the fear of being charged extra.

I wish to reitrate that I have cleared all dues on account of any purchases that I have made using the card and that I do not owe anything to the bank on account of any purchases. May I therefore please request you to clear my name from the list of debtors.

Please acknowledge.


A Harassed Customer,

Saurabh Singh

Mobile No- [protected]


Complaint- Credit Card No.- [protected]‏
From: Saurabh Singh ([protected]@hotmail.com)
Sent: 30 March 2009 16:21PM
To: [protected]@hsbc.co.in

Dear Sir,

Please refer to my mail (appended below) dated 24 Mar 2009 with regards to my HSBC Credit Card No.- [protected].

I am yet to receive an acknowledgement of the same.

Kindly arrange for the early resolution of my complaint.

Thanks


Best Regards

Saurabh Singh

Mobile No- [protected]



Re: Your HSBC Credit Card*****5902 (KMM3411015I123L0KM)‏
From: Saurabh Singh ([protected]@hotmail.com)
Sent: 31 March 2009 10:07AM
To: [protected]@hsbc.co.in

Dear Ms. Mukherjee,

I am surprised on receiving your mail. Instead of going into the details of the points mentioned in my mail, you have sent a "One Size Fits All" mail asking me to pay INR 1555.18.

Madam, I have no objection to paying money on any legitimate purchases that I have made. However, in this case INR. 1555.18 is towards Finance and Late Payment Charges that you have levied on me inspite of the mishandling of my account.

Even now, you have chosen to reply after my reminder mail yesterday.

What kind of a customer service do you provide your clients? I have repeatedly called up your Customer Care executives regarding the resolution of my query, but to no avail.

I have written twice to you and elicited a response only today after reminders.

You have chosen not to resolve my complaint and are instead asking me to pay INR. 1555.18 (for which i have not made any purchases) by 03 Apr.

Today is 01 Apr '09, if you want to go ahead and levy any further charges against me for non- payment of this amount (INR. 1555.18), please feel free to do so. I refuse to be wrongly levied unwarranted charges on account of deficiency in services and then be arm- twisted into paying up.

I have been a diligent customer of your bank and have strived to remain as patient as possible in the given circumstances. However, if this is the way you treat your customers, please "BLOCK" my card forthwith and close my account. I do not wish to bank with HSBC any longer.

As far as paying INR. 1555.18/- is concerned, I will be approaching the Banking Ombudsman for the resolution of my problem. Pending that, please freeze the account, immediately so HSBC does not go about claiming an amount even more than the present one.

Please acknowledge.



Best Regards

Saurabh Singh

Mobile No- [protected]



Dear Ms. Nair,

I had made only a part payment of INR. 1506/- as I was advised by your Call Centre executives to do so. I have repeatedly got in touch with your Call Centre executives and told them of non- receipt of the Bill and was accordingly advised by them that I should make the payment for the purchases made with the card only and any charges wrongly debited to my card would be reversed after that.

Now, why are you not understanding the root cause of the problem.

Please peruse my earlier mails on the subject and "BLOCK" my card forthwith. I do not wish to continue with such high handed behaviour on HSBC's part.

Pending a resolution of the complaint, kindly freeze the account at INR. 1546.94 only as I will not be making any payment on 03 Apr '09 till such time I have been given a redressal of my problem by the Banking Ombudsman, on the issue.

However, I would like to bring to your notice a discrepancy in the amount mentioned by you since you have mentioned an amount of INR 1546.95 while the previous mail from your office by Ms. Debika Mukherjee had given a figure of INR. 1555.18.

Thus there is a discrepancy even on this amount at your end.

Please do not have a " One Size Fits All" approach. Kindly understand the genuine problem of a customer and strive to atleast solve it.

Kindly acknowledge the freezing of the account immediately so you do not go about levying any further unwarranted charges on my account.

Also let me know the method of escalating the issue to the next higher level, so I could get a redressal of my problem, at the earliest.

Regards

Saurabh Singh

Mobile No- [protected]




RE: Your HSBC Credit Card: 5902 (KMM3421379I123L0KM)‏
From: Saurabh Singh ([protected]@hotmail.com)
Sent: 31 March 2009 15:12PM
To: [protected]@hsbc.co.in

Dear Mr. Makhija,

The amount outstanding against my credit card as quoted by Ms. Debika Mukherjee of your office is INR. 1555.18/-.

Prior to this, I was informed in January by your customer care executives on the phone that purchases made by me were INR 1506/- which was duly cleared by me in January itself via cheque.

Since then, I have neither made any purchases nor used the Credit Card. Now as per your u/m mail, you have reversed late payment fees and finance charges amounting to a total of INR. 941.34/- while the total late payment and finance charges levied on my card were INR 1555.18/- as per Ms. Debika Mukherjee's mail.

Thus, there is still a discrepancy of INR. 613.84/- which needs to be sorted out. I would once again request you to clear the discrepancy at the earliest as I do not wish to see any debit against my name when I have actually not incurred a single penny of expenditure on my card.

I have been very careful in paying all my dues as per the payment schedule and all the confusion and inconvenience has been caused due to non- delivery of the expenditure statement to me in time.

Since that time, I have been following- up with your Customer Care executives regularly but the issue has not been resolved. The immediate fallout of non- resolution of such complaints in a speedy time bound manner means that the customer is harrassed whereas HSBC keeps on levying various types of Late- Payment and Finance charges.

Now, may I therefore request you to kindly reconcile the account at your end so that the discrepancy (INR. 613.84/-) is sorted out at the earliest and there is no debit amount against my name. Also, I would request you to ensure that no further charges are levied against my name on 03 Apr '09 on account of non- payment of these charges.

Please acknowledge.


From

The Desk of...Saurabh Singh

Mob No.- [protected]

I completely agree with post. It has happened to me and and I am bracing for a long drawn battle with HSBC. The communications so far are as follows -

Dear Mr. Panda,

Your savings account : 021-xxxxxx-006
Reference Number :[protected]

We refer to your secured message of 11 November 2011 received through
[protected]@hsbc, regarding your Hongkong and Shanghai Banking Corporation
Limited, India (HSBC) Account.

We request you to note that, as per the revised tariff structure with
effect from 01 July 2011 customers are required to maintain an a Total
Relationship Balance (TRB) of INR 3, 00, 000 in a combination of savings
account balances, term deposits, holdings in Demat account held with
HSBC India, investments and life insurance through HSBC India including
a minimum average quarterly balance of INR 50, 000 in the HSBC India
Advance savings / current account (or)
have a Mortgage relationship of INR 15 lakh (Rupees fifteen lakh only)
or more with HSBC India or Hold a Corporate Salary Account under HSBC's
Corporate Employee Program in India, with a net monthly salary credit of
INR 50, 000 (Rupees fifty thousand only) or more into the account to
avoid levy of balance based charges.

In case of not meeting the above mentioned eligibility criteria a
service charge of INR 1500.00 per quarter would be levied.

We clarify that the average balance maintained in your Savings Account
021-xxxxxx-006 for the quarter 01 July 2011 to 30 September 2011 was INR
75966.30.

Hence, INR. 1, 654.50 has been debited from your savings account
021-xxxxxx-006 on 21 October 2011 towards non maintenance of Average
Quarterly Balance in your account for the quarter 01 July 2011 to 30
September 2011.

Please be noted that if you convert your account to normal savings
account, the following criteria is followed.

Maintain an Average Monthly Balance (AMB) of INR 75, 000 in the
combination of minimum INR 25, 000 in the linked fixed deposit including
the minimum monthly balance of INR 25, 000 in the savings account/
current account and remaining INR 25000.00 either in liquid balance or
deposit balance.

In case of not meeting the above mentioned eligibility criteria a
service charge of Rs. 350/- per month would be levied.

We request you to confirm whether we can convert your account to normal
savings account.

For further queries please feel free to message us we will be glad to
assist you.

Assuring you of our best services always,

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

Yours sincerely,

Nishanth Balakrishnan
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited, India (HSBC)

[protected]
Dear Sir,

1. Please let me know when did I instruct HSBC to convert my Normal Savings Account to an advance Account and through what documents ?

2. Please note that I had instructed M/s HSBC through my email to [protected]@hsbc.co.in - Dated[protected] The date on which I was informed about new service Charges over email by HSBC), not to consider my account as an advance account and to covert the same to a normal savings account. HSBC has assigned Service Reference Number : [protected] to that request and I was given to understand that my account was a normal account with Average Balance requirement of Rs 75000.00

3. I have the records of these communications which can be produced, if required.

4. Hence the Non Maintenance of Av Balance charges of Rs 1500 + Tax is unjust and malicious and is an example o[censored]nfair trade practices.

5. You are requested to revert same as well is convert this savings account to Normal Savings account if already not done in your records.

[protected]

Dear Mr. Panda,

Your savings account : 021-xxxxxx-006
Reference Number :[protected]

We refer to your secured message of 11 November 2011 received through
[protected]@hsbc, regarding your Hongkong and Shanghai Banking Corporation
Limited, India (HSBC) Account.

We request you to note that, as per the revised tariff structure with
effect from 01 July 2011 customers are required to maintain an a Total
Relationship Balance (TRB) of INR 3, 00, 000 in a combination of savings
account balances, term deposits, holdings in Demat account held with
HSBC India, investments and life insurance through HSBC India including
a minimum average quarterly balance of INR 50, 000 in the HSBC India
Advance savings / current account (or)
have a Mortgage relationship of INR 15 lakh (Rupees fifteen lakh only)
or more with HSBC India or Hold a Corporate Salary Account under HSBC's
Corporate Employee Program in India, with a net monthly salary credit of
INR 50, 000 (Rupees fifty thousand only) or more into the account to
avoid levy of balance based charges.

In case of not meeting the above mentioned eligibility criteria a
service charge of INR 1500.00 per quarter would be levied.

We clarify that the average balance maintained in your Savings Account
021-xxxxxx-006 for the quarter 01 July 2011 to 30 September 2011 was INR
75966.30.

Hence, INR. 1, 654.50 has been debited from your savings account
021-xxxxxx-006 on 21 October 2011 towards non maintenance of Average
Quarterly Balance in your account for the quarter 01 July 2011 to 30
September 2011.

Please be noted that if you convert your account to normal savings
account, the following criteria is followed.

Maintain an Average Monthly Balance (AMB) of INR 75, 000 in the
combination of minimum INR 25, 000 in the linked fixed deposit including
the minimum monthly balance of INR 25, 000 in the savings account/
current account and remaining INR 25000.00 either in liquid balance or
deposit balance.

In case of not meeting the above mentioned eligibility criteria a
service charge of Rs. 350/- per month would be levied.

We request you to confirm whether we can convert your account to normal
savings account.

For further queries please feel free to message us we will be glad to
assist you.

Assuring you of our best services always,

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

Yours sincerely,

Nishanth Balakrishnan
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited, India (HSBC)

[protected]

Dear Ms.Sunita Sharma,
Part-1
1. I understand that you are asking for 7 days to convert my so called "Advance Account" to
"Regular Savings account" starting from 15th Nov 2011.
2. I also understand that you had "upgraded" my account to "Advance" without my explicit written
concurrence.
3. You are silent on the fact that in reply to your "Average Quarterly Balance mailer", I had explicitly
requested in writing to convert my account to "Regular
savings account" stating that I shall not be able to maintain the AQB requirements - which you
(HSBC) have received and replied on date[protected]. But you failed to carry out the instruction /
Request. As a result of this failure on HSBC, the account was treated as "Advance" for quarter
July-Sept 2011. If you had acted on this request/Instruction on[protected] the account would have
been treated as "Regular" and it would not have attracted AQB charges.
4. Please note that my request to reverse the "unjustified" charges was based on the
communication referred at point 3 above. I did not request you to
reverse the charges out of sympathy or kindness.
5. In view of above I request you once again to revise your stand " ... that Average Quarterly
Balance of accounts has been displayed in our branch notice boards and website. Hence, we regret
to inform that we are unable to reverse the charges. " . The reason why I implore you is that I have
communicated to you to convert the account much before 1st July 2011 ie. on 31st May 2011.
Part-2
6. Will it be possible for you to furnish the method of calculating the Average Balance for Quarter
1-July to 30-Sept 2011 for my account and how you have arrived at the figure of 75966.30 ? I
understand that the Average balance calculation will include savings A/c & Term Deposit both. If the
Balance in one of the term deposits was 100000.00 for the whole quarter, then the average of all
term deposit & savings account should be higher. isn't it. Please excuse my ignorance, hence I am
requesting the calculation.
With best regards

HSBC — money not transferred

sir, iam NRI working in SAUDI ARABIA.
i sent money by telex transfer from saudi british bank to SBI, cheyyar, tamilnadu on 11th june2008.
till today money not reached.
here they says HSBC SENT DRAFT BY CPROFESSIONAL COURIOR TO sbi CHEYYAR ON 18TH JUNE.
BUT sbi CHEYYAR says not recieved.
DD NO/Bom643420/HSBC.
PROFESSIONAL COURIOR CONSIGNMENT NO:[protected].
TWO MONTHS PAST MY MONEY NOT REACHED.
PLEASE HELP ME.

HSBC CC — TATA AIG Policy debited on HSBC CC even after policy was asked to be cancelled (by HSBC)

Sir/Mam

I have gone for TATA AIG through HSBC. Once i got the policy papers for TATA AIG. I felt that i was not intrested on the same and called up HSBC for cancelling the same. But later i found out that i was debited for TATA AIG for the second month also. It seems that the cancellation information was not passed by HSBC to TATA AIG, which has led to the second month charges for the policy. HSBC Agent has not given any ref # as well as not done what i have requested hime to do with TATA AIG Policy (Help me to cancel the policy). Again i called up HSBC in Dec 2008 to get it cancelled and got the policy cancelled in the month of jan 2009. Now HSBC is asking me to pay the balance amount on the CC, where in the balance amount in my CC till date is due to the second month policy charges and its late payment charges (late payment charges is due to me not willing to pay the second month policy charges alone). Kindly advice how i have to proceed with the error done by HSBC.

I have spoken with HSBC and they are not willing to take up anything i say, as i do not have any refrence number for the call i made to HSBC for cancelling the policy.

Need your kind advice.

Regards,
Selwyn.

HSBC Bank — EXCESS BILL

DEAR SIR,
MY CARD NUMBER IS [protected]. I HAS PAID EXTRA MONEY ON MY CARD BALANCE TRANSFERED OR OVRE DRAFT FROM HSBC BANK. I ALREDY PAID PAYMENT WITH IN DUE DATE BUT THEY CHARGE Rs. 750/- FINE CHARGE PER MONTH. WHEN I ASKED FROM CUSTMER CARE THEY TOLD ME THAT IT IS ALOCATATION CHARGE BECAUSE WHAT EVER YOU PAY THAT IS DEPOSIT IN OVER DRAFT OR BALANCE TRANSFERED THERE AFTER IT WILL IN YOUR ACCOUNT. NOW THIS MONTH THEY DOSE NOT CHARGED FINE BUT THEY DEMAND MORE MONEY. THEIR STATMENT I CANT UNDERSTAND. I PAY EXTRA MONEY FROM THE DATE OF MY BALANCE TRANSFERED OR OVER DRAFT BUT THEY DEMAND MORE. I CANT UNDERSTAND. PLEASE HELP ME
THANKING YOU YOURS FAITHFULLY
MANISH MARDA

HSBC — not returning my excess money

I the undersigned would bring to your immediate notice that by oversight, I had transferred through NEFT Rs.20000/- to my cancelled HBBC credit card [protected], request you to verify and please refund me the same either through bank transfer or cheque.
Please note I have maintained a successful track record with your bank and I don’t owe any outstanding towards my previous credit card.
Kindly treat this on priority as this money is to be repaid towards my Citibank home loan a/c.

thanks
Vamsi

TATA AIG — TATA AIG & HSBC Fraud with customers

Hello,
I got a call from HSBC and taken the Policy over Phone. They had informed me that I can take 14 days of time and than I can decide whether I can continue with that policy or not. They also Informed that If I am cancelling the policy within 14 days Only Rs. 100 will be taken as admit charge and than the balance premium amount will be made refund. After that they had sent me the policy details to my Permanent address.
when i called them & told that I want to cancel the policy, they were telling that they will deduct 25% of the premium amount. And they were telling that they had not told anything like that.
If I ask HSBC people regarding this they were giving the TATA-AIG customer care no and asking me to speek.

yes
the same case is with me..
I am mailing them for last 3 days to cancel the policy however they are not ready to reply :(
this is a real fraud .