Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

This is to inform you that I had a personal loan with your bank ( Ac. No.[protected]. I had received a letter from your end (Ref. No. : FFS/PIL/WOFF/CTM/NCM/FINCON/23042009/239, Dt. 23 April, 2009) for settlement with Rs.16000/- and settled the account by giving a DD (No. 486568 of PNB,Dt.28.04.09) of Rs.16000/-. After that I have received all my cheques which was lying with your bank along with a full and final settlement letter( Ref. No. DAL/PLB/COLL/IE , Dt. May,09).
After one year of all this , again I have received a letter from your Manager-Debt Management , (Ref. No. NIL, Dt. 25.06.10) stating that I have an outstanding balance of Rs. 35,315.19 with you. This is really ridiculous . I cannot imagine such a so called prestigious organization like yours can do such an awful irresponsible mistake and harass customers.
Expecting your immediate clarification.

MY COMPLAINTS:- Despite more than 50 written complaints since Feb 2008, Bank has still not resolved our complaints.
(1) Despite one loan,Hsbc bank's issued statements are reflecting seven contradictory sanctioned loan amounts . i.e.bank is demanding six more loan amounts which are never issued to me.
(2) Two un issued loan amounts are added in my principal loan amount.
(3) Issued Loan amount is increased without issuing us any additional loan amounts.
(4)Nine contradictory loan tenure calculations on same amount at same r.o.i.
There is diff. of 56 EMI in bank's issued same month's statements.
(5)Four contradictory interest calculations on same amount at same r.o.i.
(6)Bank's issued four different interest paid certificates,issued for same financial year2008/2009are reflecting four contradictory interest paid amounts.
(7) Hsbc collection persons are still harassing us for miscalculated payments.
We are still getting miscalculated statements from Hsbc bank.
There are still many more complaints----

Dear all,

banks like hsbc, barclays etc seem to truly milking and harassing indian customers. Here is some startling data from Annual Report of 2208-09 of RBI Ombundsman.
Ombundsman handles complaints of consumers against banks in India.

here is data:-
26% of all complaints against banks were credit card related.

In case of Public Sector banks 17.8% of all complaints were credit card related.

BUT IN CASE OF FOREIGN BANKS, 49% (YES 49%) OF ALL COMPLAINTS AGAINST THEM WERE DIRECTLY RELATED TO CREDIT CARDS. THIS IS INCREDIBLE NUMBER.
AMONG FOREIGN BANKS, BARCLAYS WAS WORST WITH 55% OF ALL COMPLAINTS BEING CREDIT CARD RELATED.

NEXT CHAMPION WAS HSBC. 50% OF ALL COMPLAINTS AGAINST HSBC WERE DIRECTLY RELATED TO CREDIT CARDS.

THIS IS A MONSTROUS SITUATION. WHAT EXACTLY IS GOING ON?

I WILL BE GRATEFUL TO ANYBODY WHO WILL TELL US THE REAL SITUATION. LET US ALL COLLECT INFORMATTION AND FIGHT TOGETHER.

regards
rambharose
email [protected]@yahoo.in

I am holding a HSBC Personal loan since 3 years A/c :[protected] . I made payments regularly for 36 months . later i lost the job and was unable to make the payments . And i discussed with the bank stating that I applied for PF and once the amount is disbursed i will repay the dues . Out of 1.89Lakhs in the availed amount ,. I paid almost 1.5L ( including interests) . Inspite of this . I got a call from [protected] disguising himself as a police officer that they have a arrest warrant against me and then he provided a lawyer number [protected] to talk . Later they called my father ( hyderabad) on his mobile [protected] and harrassed him abusing that he is a police officer and they got arrest warrant agains me . My dad sufferred a major heart attack and got admitted . Later they sent some goodas ( muscle man ) and recovered amount of Rs 35000 from my father stating as final settlement for that account . My father paid via cheque 527462 19 JUNE SBH Branch . and they gave a receipt number[protected]JUNE for 35000 . This case should be addressed immediately and resolved ,. until now i have not got any settlement letter . I want to raise a legal case against the bank collection people as they tortured my dad creating severe health problems ,who is a senior citizen for that amount 35000 demanded forcibly . Today june 29 . I got a threatening call again from HSBC for the same account demanding money from this number [protected]. Please see that my account is settled as final settlement for that 35000 my dad paid .

My daughter was a student hwen she delayed payment on her HSBC credit card.
After innumerable meetings we were given a letter which said she should pay 22500 RS ( though the CIBIL amount mentioned earlier was 15000 rs) by 17 Nov 07 .We paid the amount by cheque that was passed and to date they have not removed her name from the list.
They have also not given us a letter in spite of reminders because a Mr Syed who was in charge left the job.Mr Girish Kesavamurthy who introduced himself as a Senior manager too is unavailable.
I wish to file a complaint against the bank who promised her name would be removed.Moreover her name was added even as we were negotiating for settlement which I think reflects badly on the banks stance of threatening clients.
Gowri

Hi Sir,

I am a Credit card account holder of HSBC Bank and also have a Savings/FD account relationship with them for the last 10 years(approx).

Around 5 years back, I had received an additional credit card from the bank without any demand from my side.

Around that time only, I had placed a request to cancel the card to which no action was taken by the Bank. By mistake, I had used this additional card once for an amount of around Rs 2000/-.
As I shifted my residence to Pune, I could not receive the bills for this amount.

Though there were no standing instuctions from my side for auto-debit/ECS on the above mentioned card, yet the bank recovered the outstanding(and much much more) from me through automatically debiting my savings account and then card was closed three years back.

Even though the outstanding recovered and the card was closed 3 years back, last month there was an auto debit of Rs 21000/- from my bank to this credit card account and there is no money left in my savings account. The current card(that I have been using) has a ECS instruction set but becuse there is no money left, they are not able to debit my savings account. I am getting many calls daily even on weekends regarding the due payment.

I keep on telling them that the request has been placed by me to the bank to look intio the issue and the banking executives have reassuerd to me that they are looking into the matter. Yet the credit card people dont listen and keep on calling. I am getting very harrased. This has also spoilt my credit image.

I request you to look intio the matter and do the needful. My PAN number is AEVPG1764J. Pls.let me know if any additional info is required.

With Regards,
Nidhi Dulloo

Sir i am holding HSBC visa card under name of jayant rajvanshi. Last year i have taken card protection plan for one year. But this year without my consents they have renewed and imposed CPP charges in my card statement.
(For your intormation my credit around Rs. 250 was lying with them).I sent mail to them regarding my disapproavl about the CPP and after my regular follow up i received one call from CPP that 50% amout has been reveresd and 50% i have to pay. Sinc i did not deposit the CPP renewal charges HSBC has imposed late fee charges which is not justified.
This is kind of harassment with the card holders. This is not first time.

Earlier HSBC and Tata Aig made a fraud with me three years back. And i lost my Rs. 25000/- in their some SIP plan. They have drawn Rs. 25000/- form my credit card account without my consents. I have wrote many mails to them but no action has been taken so far. They are so unreliable organizations and gulping hard earned money of Indian people. Your extra attention is requested in this regard.
I can speak all this thing infront of media.

Please help me and save Indian people.

Thanks and regards.

JAYANT RAJVANSHI
MB [protected]
LAND LINE[protected]
JAIPUR

Dear Sir,

I am Vikrant Joglekar and have a very similar experience with HSBC credit card.HSBC has issued me a gold card with xxxx xxxx xxxx 1640 in 2006 promising about a life time free card which I do have used for less than a year, I used to pay the bills well in time till I was using the card. Being an IT professional I moved of the country for some time and stopped using the card.
In Dec 2007 when I was back in India I recived few calls from HSBC saying for some 2000/- as the dues when I checked with them what are the dues for they have not given any satisfactory answer to this I requested them to revert if any annual fees they have leveied on me as it was a life time free card. I also have spoke to there manager from chennai and asked him to cancel the card with immidiate effect as I am not using the same.
Due to my professional requirements I have again moved out of India and have not heard from the HSBC over these years assuming the issue is closed.
Recently I recived a legal notice from HSBC on my parents address stating that they are going to proceed with legal criminal action against me due to non payment of 18000/-
I really cannot understand the fraudulant behaviour of the HSBC, it is very harassing and torturus to get such notices where in HSBC thmeselves have commited a fraud and breach of trust against me.
Please help me in this issue

With Best Regards,

Vikrant Joglekar
vikrant.[protected]@gmail.com

Hi ,



This is Kumara Swami and my card number is [protected]. Actually i have used only 2000rs long back in this card and it became 2500rs sometime back. At that time one of your bank representative called me and aggreed to settle the card for 2000rs and paid the same at that time itself to one of your collection agent but till now i didnt received any settlement letter for this same.



And I lost this card and blocked by your company also .



Afterwards also, so many times your representatives called me asked about the payment due and evertime I clearly mentioned about this but no proper response form them and again asked me to pay soemthing to do settlement.



But you are keep on sending mails to pay the Amount. Now a days also , I am getting mail from you to pay money asap



Do you think customers are fool and your bank representatives also keep on sending mails.



Regarding this same, somtime bac I have talked with one of your Delhi representative around 1 hour but result was nothing .



So please send me settlement letter asap.



Thanks and Regards,

Kumara

Hi,

I am having HSBC Gold credit card. since last 4-5 days, I am getting calls from some collection agency of HSBC from Gurgaon location from the no.[protected] regarding my outstanding payment. Every time, I am giving them information about payment that payment would make before 26th-June-10 to all different guy on phone. even after that they just keep calling me atleast 10 times everyday. Once I have given the information or commitment, they should not call me everyday so many times. My HSBC payment due date is 26-June-10. Today, It is happened that one male guy called me up from same agency and I told him that I already given time line for payment made then why you guys calling me atleast 10 times in a day everyday. Then, that guy started speaking in so unprofessional language and harsh language, that I hardly beard it. I warn him as well not to speak in such language but he doesn't stop speaking. I contacted HSBC Customer Care, so they given me some head office contact no. of collection Agencies for such complaints. I contacted there then that lady asked me to contact Customer Care to register complaint for such case. I asked that guy's name while he was speaking in harsh language, he disconnected the call without telling me his full name and agency name.

Finally HSBC customer care not registering the complaint against this and the Office of Collection agencies might not take any action.

Request you, please arrange to initiate some action against these guys.

Thanks,

Yatendra Kumar
Mob-[protected]
DOB- 01-Sep-80
Credit Card no. [protected]

my card was approved last may 25, 2010.. they say that i have to wait 10 banking days before I received my card..i called the hotline many times and they say that the courier cannot locate my billing address...im just wondering why?because my sister also have a card and she's using same billing address and she's receiving her statement..

I want to request a redelivery ASAP!!

tnx..

To,
The Manager
HSBC Bank,


Ref :- Against your Settlement Letter No. RS/CPD/WOFF/NDH/NCM/IMS/44092009/87

Dear Sir,
My Self Vishal Khanna previously having Your Credit Card Account No. [protected] on behalf of dues I received a settlement letter reference number above mention Dated 04th Sep 2009 on your letter head in which you mentioned that my account would be settled by the payment of Rs. 6023 in 2 continuous equated monthly installments before 15th Oct 2009.

As per your letter I gave you 2 equated monthly Installment before the Dated which you mentioned in letter. Details of Cheques are mention below :
1. Cheque No. 613175 of Rs. 3000/- Dated 8th Sep 2009 on Receipt no. 774653
2. Cheque No. 613176 of Rs. 3023/- Dated 8th Oct 2009 on Receipt no. 774654

Both cheque has been cleared. So as per your letter my account should be zero and no dews have been left. But I didn’t have the Zero Balance Statement from your side. I made a Tele Call to your Card Cell Help Desk for My Account statement and they Reply told me that there is no need for Account statement as your account is already closed.

But last few days I have received a over dues call from your Bank side by Miss Poonam Gulati who behave very badly to me and my wife in her Words CUSTOMER ARE ALWAYS WRONG it means all the person who deal with your bank are fools and make great mistake to deal with your bank. Can you confirm me is it a right way to talk with your customer. I have already taped her all wrong arguments. It seems very bad for your Bank.

I faced two major problems from your Bank
 In your Executive Words your Bank letter Head has no value even it is signed by the Senior Authorities.
 Your Executive Miss Poonam Gulati makes more than one wrong arguments on me. Which are not tolerable?

Both these conditions force me to go the consumer court against you.

By this letter I have acknowledge you all the matter and hope you should take a appropriate action for the same. Otherwise I have bound to take a legal action.


With Regards

Vishal Khanna
[protected] (M),
[protected] (M)



Enclosed Here with
1. Copy of your Issued Letter
2. Payment Receipt Copy

For last three days I am getting threatening calls from HSBC by saying that "someone given your reference while applied for Credit Card "
The name which they are taking is right.. I know that person earlier as we both were old colleague and its been a long time when we both are not in touch and in different company"

I have never get any call for confirming that someone giving my reference.. I don't know what the dispute between bank and that card holder... The executive who is calling me forcing me to contact that person or else they will come to me... I don't know what they will going to do after meeting me as I am not in touch with anyone.. That executive was from collection department and don't have sense to talk with references, If really somebody gave my name.. They don't have any right to threaten me at any cost. I told the person to not to bother me... and now he is giving me call again and again to disturb me. He was talking all rubish and treating me as I have done any fraud with their bank.

Any one have suggestion for my next step??
The guy told me that he sits in Noida sector 18 head office and asked me to visit the office as he is Managing Director of HSBC bank.
The number from which I was getting threatening call was :[protected] &[protected]

Regards,
Manish

I used to own HSBC credit Card # [protected]. Due to some personal reasons I was not able to make payment. Than I got a call from Neeta Singh (working with HSBC), she informed that the bank is ready to settle the amount @ Rs 11,400, in case I make minimum payment of Rs 1,000 right away and rest Rs 10,400 in the next month. I aggreed and made the payments as asked, and got a letter from on Bank's Letter Head that the credit cards dues are settled and @ Rs 11,400 and I would receive an NOC letter in due course. Even After 3 months I did not receive any NOC, and again got a call from HSBC stating that I need to pay Rs. 3,000 as I paid Rs. 10,400 against settlement so Rs. 1000 due and rest is the interest amount on it. I explained them the whole case, but they said that their settlement manager Neeta Singh has just FOOLED me to get Rs. 10,400, and I need to pay Rs. 3000 if I want to close the case else they won't issue any NOC and won't clear my CIBIL record for the same.

Can you please suggest what should I do.

-Ankur Bhandari
[protected]

Any one who wants to settle the account regarding credit cards must get the settlement letter first - become shameless to the abuses, bad languages of these recovery agent, call police if they threaten - as per rbi rules they cannot use unparliamentary language.

Tell them point blank you would not pay if you get the settlement letter first. Get the settlement letter and pay by cheque then get the noc and write the cheque no and get phone no of the collection agent.

I am sure by one year or so rbi will come up with some kind of rules that will waive of these small settlements may be less than 10k of actual purchase from the cibil list.

Till then simply [censored] these recovery agents and banks - saale kuch nahi kar sakte maadharchod wo -

Sir,

This is for your information that my old E-Mail address is discontinued so for future communication my new E-Mail address is as follows
[protected]@gmail.com
I request you to send my latest credit card statement and procedure to view the statement with link.

Thanks,
Prakash R Pradhan.
Mobile No. ( [protected] )
Credit Card No. [protected].

I had registered for this HSBC premium circle program based on the promises made on the call early 2010. However when it come sto realization of vouchers offered there has been a pathetic response by Heritage holidays, who i understand is responsible for flight/ hotel booking.

Firstly they never tell you the segments & the hotels in the program when they make the offer an dthen you are left to somehow realize the offer with the VERY limited options available.


I have been in touch with Heritage Delhi office staff for my flight booking. And for my month old request of April 27th today they refused to book the flight tickets stating there was no availability. For the last 10 days the response hence been your booking is done, but the mail server is not working. They claim to have made reservations for my request , but i dont know on whose request they have made the reservations as it is not as per the voucher/my email.

Needless to mention, this has been a very frustrating experience.



I have been calling them up for last 2 weeks everyday – to confirm about the same but have been always given a non confirmatory reply.

Needless to mention, this has been a very frustrating experience.

Hi Team.

I have closed my HSBC credit card by making the payment and then i called their call center
and they accepted to close my card.
afer the card closure.

There was no communication between me and hsbc.
Suddenly after 2 years i get a statement from them asking me to pay 10,000 rs
as they say its the late payment and finance charges that has been accumulated in my card .
i really dont undestand that how can they put the late payment when the card is closed.
i ask them the detail they send me the outstanding.
i have been mailing them every day.
they reply me with the outstanding amount.
they do not provide me any details.

i completely remember that there was no outstanding as i have taken loan fro other bank and paid for this credit card.

and it was the perfect amount that i have paid 2 years back.
as i was fed up with HSBC s hidden charges.

They have laid a trap for me and they have spoilt my credit history in the cibil account.
please find my credit card number and other details below.

guna manu giri
card number
4384 xxxx xxxx 6816

Please do the needful and help me get justice.

My father holding the primary card of HSBC Bank and I Jitendra Goklani holding the supplementary card (add on card). My father is died on 27/5/08. Their is an outstanding balance on the primary card at the time of death of my father.

The bank has transfered the outstanding amount against my name in CIBIL and show me as defaulter in CIBIL records.

As per rules of the credit Card " PRIMARY CARD HOLDER IS THE RESPONSIBLE FOR THE OUTSTANDING OF PRIMARY CARD AS WELL AS THE SUPPLEMENTARY CARD".. But the HSBC Bank changes the rules by itself and make supplementary card holder is the responsible for the primary card holder .

Kindly advice what to do.

I have been communicating with HSBC since 1 month and every 5th day they mail for another 5 working days to resolve my issue.
Below is my entire data alongwith communication made with HSBC on Mail :
HSBC hav issued 2cards in my name one which i have been using since 2006 & 1 which I hv never used and hv been receiving the statments.
Nw when i went for the Home loan I came to know that they hv givin my name in CIBIL.
I'm surprised when HSBC himself is not confident about my credit hw come my current credit card is working. ANd by their such action I have been in to lot of pressure as I have already paid mybuilder a partial amount...

It is really disgustting, irritating & pathetic for such an MNC bank...

Kindly advice what should I do next to get the loan.


"E-mail COMMUNICATION Made with HSBC" :

----- Original Message -----
From: "kaushik Patel"
To: "HSBC INDIA NET" <[protected]@hsbc.co.in>
Sent: Monday, May 17, 2010 1:08 PM
Subject: Re: Your HSBC Credit Card****9327 (KMM7393520I123L0KM)

Are you guys playing with me..

Thinking I'm Fool just keep waiting for your reply asking to wait for another 5days.

It is a limit because I have been communicating since last 1 months and your 5 workign days have never came to resolve my issue.

I care a damn, wan't my name immediately removed from CIBIL.

You guys have alraedy mentally harrassed & tourtured me..

Need to take strict action or need to complaint further in consumer court with compensation for the harassment & irresponsible copy paste replys of HSBC.

Need the solution by today evening.

Below is the entire communication made with HSBC since 16th April'10

rgds

Kaushik

----- Original Message -----
From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
To: "kaushik Patel"
Sent: Monday, May 17, 2010 9:56 AM
Subject: Your HSBC Credit Card****9327 (KMM7393520I123L0KM)


> Dear Mr. Patel,
>
> Reference Number [protected]
>
> We refer to your Email dated 15 May 2010 regarding your HSBC Credit
> Card.
>
> We apologize for the inconvenience caused.
>
> We have registered your complain under the reference number [protected]
> and we shall revert to you within five working days with the status of
> the same.
>
> Please feel free to write to us for further clarification.
>
> Yours sincerely,
>
> Rashi Arora
> Customer Service Executive
> The Hong Kong and Shanghai Banking Corporation Limited
>

----- Original Message -----
From: "kaushik Patel"
To: "HSBC INDIA NET" <[protected]@hsbc.co.in>
Sent: Saturday, May 15, 2010 4:32 PM
Subject: Re: Your HSBC Credit Card****9327 (KMM7392792I123L0KM)


> How can I register for Internet Banking when I don't have the credit card
> neither its pin no.??
>
> That too after communicating for 1 month you are giving me this reply..
>
> I just wan't my account to be clear and I don't think anything confeidential
> is left now after so much long conversation.
>
> You can communicate on this mail id I don't have any issue...
>
> So,clear the account and intimate the CIBIL..on TOP PRIORITY because you
> guys have already wasted my too much time..
>
>
>
>
> ----- Original Message -----
> From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
> To: "kaushik Patel"
> Sent: Saturday, May 15, 2010 12:28 PM
> Subject: Re: Your HSBC Credit Card****9327 (KMM7392792I123L0KM)
>
>
>> Dear Customer,
>>
>> We thank you for writing to us and acknowledge the receipt of your
>> email. You will receive a reply from us shortly.
>>
>> Please note that no account related confidential information will be
>> shared to your personal email address.
>> Hence, request you to register yourself to Internet Banking.
>>
>> Detailed information on how to register yourself to Internet Banking is
>> available at
>> http://www.hsbc.co.in/1/2/personal/internet-and-self-service-banking/int
>> ernet-banking
>>
>> For urgent queries please contact our Phone Banking. A complete list of
>> our Phone Banking numbers is available at
>> http://www.hsbc.co.in/1/2/miscellaneous/call-us
>>
>> For reporting loss of card, please contact our Phone Banking
>> immediately.
>> HSBC will not be liable for any transactions processed prior to the card
>> being reported as lost.
>>
>> For more information on our wide range of products and services please
>> visit our web-site www.hsbc.co.in
>>
>> Yours sincerely,
>>
>> The Hongkong and Shanghai Banking Corporation Limited


----- Original Message -----
From: kaushik Patel
To: HSBC INDIA NET
Sent: Saturday, May 15, 2010 12:09 PM
Subject: Re: Your HSBC Credit Card****9327 (KMM7201951I123L0KM)


IT HAS BEEN MORE THAN 5 WORKING DAYS...

STILL AWAITING FOR THE CLARIFICATION..

HOPE MY ISSUE IS CLEAR & THERE IS NO MORE BALANCE WITH HSBC..

rgds

KAUSHIK
----- Original Message -----
From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
To: "kaushik Patel"
Sent: Friday, May 07, 2010 1:07 PM
Subject: Your HSBC Credit Card****9327 (KMM7201951I123L0KM)


> Dear Mr. Patel,
>
> Your HSBC Credit Card 4476 xxxx xxxx 9327
>
> Reference Number [protected]
>
> We refer to your email dated 22 April 2010 received through
> [protected]@hsbc.co.in regarding concerns on your HSBC Credit Card account.
>
> We regret the inconvenience caused to you in this regard. We are still
> liasing with the pertinent department in this regard. We request you to
> revert after four to five working days to know the status of your
> complaint and for us to assist you further in this regard.
>
> 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,
>
> Honey Arora
> Customer Service Executive
> The Hongkong and Shanghai Banking Corporation Limited
>
>

----- Original Message -----
From: "kaushik Patel"
To: "HSBC INDIA NET" <[protected]@hsbc.co.in>
Sent: Friday, May 07, 2010 4:00 PM
Subject: Re: Your HSBC Credit Card****9327 (KMM7201951I123L0KM)


> It is really a limit of testing someones passion,
>
> On my 1 st mail you guys asked for a time frame of 4-5 days, then again you
> asked for 10-15 days & now again you are telling me to wait for another 4-5
> days...It is really going beyond the time.
>
> Would really appreciate if you can get me the out come within a day or 2 .
>
> Awaiting for your quick response.
>
> kaushik Patel
> [protected]
> ----- Original Message -----
> From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
> To: "kaushik Patel"
> Sent: Friday, May 07, 2010 1:07 PM
> Subject: Your HSBC Credit Card****9327 (KMM7201951I123L0KM)
>
>
>> Dear Mr. Patel,
>>
>> Your HSBC Credit Card 4476 xxxx xxxx 9327
>>
>> Reference Number [protected]
>>
>> We refer to your email dated 22 April 2010 received through
>> [protected]@hsbc.co.in regarding concerns on your HSBC Credit Card account.
>>
>> We regret the inconvenience caused to you in this regard. We are still
>> liasing with the pertinent department in this regard. We request you to
>> revert after four to five working days to know the status of your
>> complaint and for us to assist you further in this regard.
>>
>> 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,
>>
>> Honey Arora
>> Customer Service Executive
>> The Hongkong and Shanghai Banking Corporation Limited
>>
>>


----- Original Message -----
From: kaushik Patel
To: HSBC INDIA NET
Sent: Tuesday, May 04, 2010 7:50 PM
Subject: Re: Your HSBC Credit Card xxxx 9327 (KMM7201950I123L0KM)


STILL AWAITING FOR THE RESPONSE ???


rgds

Kaushik Patel
[protected]
----- Original Message -----
From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
To: "kaushik Patel"
Sent: Thursday, April 22, 2010 2:09 PM
Subject: Your HSBC Credit Card xxxx 9327 (KMM7201950I123L0KM)


> Dear Mr. Patel,
>
> Your HSBC Credit Card 4476 xxxx xxxx 9327
>
> Reference Number [protected]
>
> We refer to your email dated 22 April 2010 received through
> [protected]@hsbc.co.in regarding concerns on your HSBC Credit Card account.
>
> With reference to your query, we have forwarded the request to the
> department concerned and will revert to you within 15 working days.
>
> We thank you for your co - operation.
>
> 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,
>
> Honey Arora
> Customer Service Executive
> The Hongkong and Shanghai Banking Corporation Limited

>

----- Original Message -----
From: "kaushik Patel"
To: "HSBC INDIA NET" <[protected]@hsbc.co.in>
Sent: Thursday, April 22, 2010 12:40 PM
Subject: Re: Your HSBC Credit Card xxxx 9327 (KMM7168462I123L0KM)


> What the Hell !!
>
> Can't you guys understand and read my previous mails,
>
> What you have replied I already know & following the same or else would have
> not been paying your payment regularly for my HSBC credit card no.
> [protected]
>
> When I have not done anykind of shopping or received this card how come you
> are demanding for the same & I'm already carrying one HSBC card with me, It
> is clearly written in my mail that I'm nowhere associated with this card
> ,Kindly re- read my below mail:
>
> ----- Original Message -----
> From: kaushik Patel
> To: [protected]@hsbc.co.in
> Sent: Friday, April 16, 2010 11:55 AM
> Subject: Harrasment
>
>
> Dear Sir / Madam,
>
> I have been a regular user of your HSBC credit card no. [protected]
> with annual transaction of nearly 2 to 2.5 lakhs. And have been using since
> long.
>
> But, I have been reciving calls & statments of Credit card no.
> [protected] mentioning a long due amount. And this case has been
> further you have given to CIBIL whereby it has affected my credit in
> reciving the Home Loan. It was really insulting to know this.
>
> I'm really surprise what kind of Bank it is because when I'm already using
> one of your credit card how come you guys take such action. If you yourself
> are not confident on my credit why my current credit card is working since
> 2006. This seems to be atiierly harashing a customer who has been faithfull
> to you regular in paying payments & still see such days. It is really
> pathetic & shameful for banks like HSBC who can't trust or judge the right
> customers.
>
> Would appreciate to take immediate action on the above & take necessary
> action to remove my name from CIBIL. Also, would like to cancel all your
> dues & card for credit card no.[protected], As I'm nowhere associated
> with this card.
>
> Awaiting for the immediate response..
>
> A harassed customer
>
> Kaushik Patel
> Mob. : [protected]
> ----- Original Message -----
> From: "HSBC INDIA NET" <[protected]@hsbc.co.in>
> To: "kaushik Patel"
> Sent: Thursday, April 22, 2010 11:29 AM
> Subject: Your HSBC Credit Card xxxx 9327 (KMM7168462I123L0KM)
>
>
>> Dear Mr. Patel,
>>
>> Your HSBC Credit Card 4476 xxxx xxxx 9327
>>
>> Reference Number[protected]
>>
>> We refer to your email dated 17 April 2010 received through
>> [protected]@hsbc.co.in regarding concerns on your HSBC Credit Card account.
>>
>> As per revert from the department concerned, the outstanding dues
>> reflecting on your card account (which is due to purchases). Further, as
>> on date we have not received any payment towards the same within the due
>> date. Hence, your card account has been levied with incremental charges
>> (late payment fees and finance charges).
>>
>> Our records reflect that as on date the outstanding on your card account
>> is INR 18,347.54. Therefore, we request you to make payment towards the
>> entire outstanding on or before the payment due date to avoid any
>> incremental charges being levied towards your card account.
>>
>> Please note that CIBIL (The Credit Information Bureau India Limited) is
>> an initiative of the Government of India and the Reserve Bank of India
>> (RBI) to improve the functionality and stability of the Indian financial
>> system. This is in line with the RBI's efforts to provide an effective
>> mechanism for exchange of information between banks and financial
>> institutions, thereby enabling customers to avail of better credit terms
>> from various financial institutions. This is as per business standards
>> across banks.
>>
>> Accordingly, all banks and financial institutions participating in this
>> initiative are required to share customer data with CIBIL. Further, we
>> shall be reporting the data pertaining to your account with us to CIBIL.
>> The same information will be submitted to CIBIL and same will reflect on
>> your account status and credit records with CIBIL.
>>
>> Further, as per guidelines, banks are required to share positive and
>> negative data of their customer's repayment behavior with CIBIL on a
>> monthly basis. Banks are not authorized to delete or remove a customer's
>> record completely. Hence, we regret that your request cannot be acceded.
>>
>> 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,
>>
>> Honey Arora
>> Customer Service Executive
>> The Hongkong and Shanghai Banking Corporation Limited
>>
>>
>
----- Original Message -----
From: kaushik Patel
To: [protected]@hsbc.co.in
Sent: Friday, April 16, 2010 11:55 AM
Subject: Harrasment


Dear Sir / Madam,

I have been a regular user of your HSBC credit card no. [protected] with annual transaction of nearly 2 to 2.5 lakhs. And have been using since long.

But, I have been reciving calls & statments of Credit card no. [protected] mentioning a long due amount. And this case has been further you have given to CIBIL whereby it has affected my credit in reciving the Home Loan. It was really insulting to know this.

I'm really surprise what kind of Bank it is because when I'm already using one of your credit card how come you guys take such action. If you yourself are not confident on my credit why my current credit card is working since 2006. This seems to be atiierly harashing a customer who has been faithfull to you regular in paying payments & still see such days. It is really pathetic & shameful for banks like HSBC who can't trust or judge the right customers.

Would appreciate to take immediate action on the above & take necessary action to remove my name from CIBIL. Also, would like to cancel all your dues & card for credit card no.[protected], As I'm nowhere associated with this card.

Awaiting for the immediate response..

A harassed customer

Kaushik Patel
Mob. : [protected]
mail id : [protected]@gmail.com