Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

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

Listen all,

its a well known fact that due to sub prime crisis in USA and Europe in 2008 till date the two major credit card companies Visa and Master card are facing huge losses. The governments in US and Europe has come up with various regulations to protect their citizens with various schemes which hits these companies.

now since they cannot fight with the governments there they have connived with the banks of India and various emerging countries to hatch a conspiracy which is simple.

Extract too much from each card in name of late fee and panel interest, I have seen instances where an amount of Rs 100 has grown up to 7000 in less than one year. people getting statements of overdue amount despite the fact that card was never received,used or closed long back.

Because the sword of CIBIL is hanging on the heads of common credit consumers here they are forced to pay through nose the exorbitant amount which is in almost all cases cannot be justified under any court of law.

I am sure RBI and finance ministry knows about this but the lobby of bankers are so influential that even though they wish to take any action to amend the rules etc it will take ages.

So, what should be done. here is a small check list.

Don't use credit card
ok fine I know you cannot live without plastic then why not use debit card ?

Close the unused cards - but first call up the customer care to find out the status of the card- then ask them politely to close the card as you don't want to use it-
On the call with retention department of the bank - insist for a case number for the closure.
Send an email as well to the card care of the bank and keep the reply handy.

Use only Credit cards where you have netbanking account - so you can check the state of the card anytime and pay online.

Never drop the cheque in drop box - this is major reason for the things getting complicated always pay online do a visa money transfer if you have an account with any other bank.

Pay cash if you are just near the last date of payment - two major credit cards issuer hdfc and icici bank accept payment on any branch for card. Citi too accept cash but levy small fee of 100rs per transaction as far as my knowledge.

never spend more than you can pay - if you have overspent because of any reason the first thing you need to do is to pay at least 10% of the amount the very next day of bill date so you are saved from the late fee, since you are not paying in full interest is okay and you should pay it.

never go for any offers which you don't understand fully. take your time to understand the offer, do some research about the offers regarding insurance, holiday packages, goodies etc offered on credit cards - never accept that over the phone rather you should call the customer care and ask for the offer.

till the day rbi and finance ministry takes corrective action against these conspiring banks follow these simple steps you would save lot of hassles for yourself and your family

Dear Sir,

Ref:- HSBC Credit card: [protected]

I am holding HSBC credit card which is a life-time free card. Recently my car load application has been rejected due to fact that my CIBIL report is showing defaulter of HSBC credit card payments.

When I took the card in year 2006, HSBC person had told me that it is a lifetime free card. I never used even single rupee using the card. Now I see there is around Rs.5000 as an accumulated late payment penalty. It is a bit concern to me how it happened for free life time gold card.

I am requesting you to please look into the issue and do the needful. I am requesting you to revert the entire penalty amount and cancel my credit card facility. Also inform CIBIL to remove my name in defaulter list.

Thanking you,
Yours Sincerely,
A. Siva Sankar,
Mobile:[protected]
E-mail:siva.[protected]@gmail.com

Hello,
This is with respect to credit card no [protected].
Had stopped transaction with this card long back in 2007 (probably) with zero balance.
However from 2009 onwards am receiving statements from HSBC with payment due reminders.
Approached this bank for more details at least 3 times last year (1 mail transaction , 2 phone calls) . Every time they re routed me to different numbers like 41186550 / 66432110 / 66432112 but no one to help.
Today because of this my name is listed in card black listing for no reasons. Recent statement that i have received says 13458.00 Rs to pay.
I wanted a complete statement of my card from the day i started transacting till date.This will help me in clearing my doubts.
Pls help me.
Regards
Swarup.

Hi,

I am HSBC credit card holder and On 24 Nov 2009 I got the message that someone use my card and do the transaction of Rs 20000 and at that time card is im my pocket. I immeditaely went to Sec 18 Noida branch of HSBC and Block my card as well as arise the dispute.

Some days After A senior office of HSBC(Sudha - Vice president) called me and said this was the fraud transaction and you are not libale to pay . But on 10 April 2010 i got the letter from HSBC and tell to pay for that transaction.

As i am telling from the first day (24 nov) i.e fraud transaction , I have various email to Sudha but no answer for the same.

I really upset with HSBC behaviour. I am a middle class person and iam not able to pay such a big amount.

Please look into this and do the needful.

Thanks
Gaurav

THE LOAN SETTLED BY THE HSBC BANK FOR RS. 36,500/= .
I HAVE DEPOSITED THE AMOUNT OF Rs.4960/= (15/2/10) AND Rs.31,540/= (15/3/10) as directed by the Bank Executive Mr. Parvinder Singh Rana on phone.
As the Total amount is being settled in totaling to Rs. 36,500/= and its final.

But the bank people are not treating the amount of Rs.4960/= under the settlement amount and also the amount of Rs. 31,540/= is being taken under prepayment of loan amount and making the settlement letter null and void. The case is not being settled by the Bank and they are putting ECS on monthly basis however i made my account NIL for not being payment of ECS.

I complained regarding this to the nodal officer HSBC, but they are not ready to listen in this regard and taking the amount as pre-payment of loan and not being settling.the case.

However at last i also offer him that i am ready to pay an amount of Rs.4960/= once again but they are not ready to listening and asking for full payment of loan which is SIMPLY HARASSING ME.

I AM BEING HARASSED A LOT THAT'S WHY I AM COMPLAINING YOU.

Please look in to the matter and guide me further. I have all the correspondence details for my complaints.

Regards,

Vivek Khandelwal
[protected]

Sir,

I took a Housing loan of Rs. 7,825,000 from HSBC (Smart Loan) in June-2005 with a loan term of 180 months. As per the loan agreemeent, HSBC was to deduct a predetermined EMI (Equated Monthly Installments) each month and approtion a part of which towards the reducing the Principle Amount and balance towards the interest charges for the loan amount.

However, just after a year or so, HSBC unilaterally changed the terms of my loan and also stopped collecting EMI from my account. HSBC unilaterally started aprotioning 100% of the monthly interest towards interest, thus keeping my principle outstanding unchanged since almost Feb-2007 (may be even earlier).

HSBC also increased the PLR (Prime Lending Rate) unilaterally very high (14.5% PA) and continuously milked interest from me month after month. On several visits to their Bandra branch, i was never given a satisfactory response and was given vague verbal replies. Cumulatively, HSBC bank has collected interest in excess of Rs.27 lacs from me thus far!

On closing the loan prematurely last year, HSBC volunteered to reduce the interest to 9.5% PA last month.

HSBC admitted their error in writing last week and apologized for their "Mistake". I do not agree with their apology and strongly feel that this is an wilfull act of cheating.

Since HSBC unilaterally changed the terms of the loan without even informing me, they tacitly, with malafide intentions, kept the principle loan amount unchanged against the agreement of reduction of principle amount every month. This has resulted in HSBC collecting higher interest charged on artificially inflated principle outstanding amount. Had they reduced the principle loan outstanding amount every month, the intrest charged too would have been a lot lower.

Hence I demand that HSBC returns the excess interets charged and collected from since Feb-2007 to April-2010. In my calculation, this amount would easily be arund 8-10 lacs.

Yours Sincerely,

Guruprasad Bhat
+[protected]
[protected]@Hotmail.com

Sir,
HSBC credit card people contacts their customer again & again and offer 3/4 nights stay in 5 star hotels alongwith manyother benefits. They said they have formed a preimum circle of customers who havw long good tracks. after that they debited Rs.6500/- with the option that you will get the complete terms and conditions with 15 days and if terms doen not suit you can get the amount refunded. But they send the vouhers after the expiry of time and when contacted they said contact the Plat5.
You see that we are notknow to Plat5. It is HSBC with which I was dealing from many years. They were having contacts number of Mobile & landline. It ios HSBC contacted me and debited the amount whereas now HSBC says for refund contact Plat5.They are not refunding the amount debited by HSBC and making lame excuses.
I have made compalint already toyoubut no response has been received. HSBC send an e-mail, stating that with 4/5 days you will get the reply but nothing has been received.
You can see that PLAT% is a company office at New Delhi and with the many other banks they are cheating people their hard earned money.Please take suitable action and help me in getting refund of Rs.6500/-..

Dear sir,

I had settled my HSBC credit card dues ( Credit Card No.[protected] ) amounting to Rs. 9230/-on dated 30.03.2010.The settlement letter & the bank payment receipt is attached for your reference.

But till date it has not been updated in CIBIL data & my name is still showing in the CIBIL credit report with the said amont dues.

Request you to see that my name should be removed from the CIBIL list.

Shantanu Mohanty

/ HSBCID
REF: FFSCPD WOFFNDHCCRSRM-SKIP[protected]
29 March 2010
Without Prejudice
SHANT AND MOHANTY
MICROW AVE COMMUNICATIONS LTD,
5 FLR ASHOKA CHAMBERS MITHAKALI 6 R,
D ELLISBRIDGE AHMEDABAD,
INDIA 380006
Ref: Credit Card Account No: [protected]
Dear Customer,
This has reference to your captioned Credit Card account. While you acknowledge that the amount
reflected in your last Credit Card account statement is indeed due, outstanding and payable to the Bank,
you have represented that you are unable to pay the entire dues on account of your individual circumstances
and have made a request to the Bank to consider settling the dues in the account at a sum lower than abovementioned
amount.
In view of the circumstances the Bank has considered your request on an exceptional basis and agrees to
settle the said dues at INR 9230.00 (Rupees Nine Thousand Two Hundred Thirty and Paise Zero Only),
provided the said payment is made on or before 30 March 2010.
On receipt of the said payment by the Bank, we shall forward you the statement of the Credit Card account
reflecting zero dues outstanding, after writing off the deficit amount. Needless to state that hereafter the
Credit Card account relationship shall cease.
As communicated vide the Credit Card account terms and conditions and our subsequent letters with regard
to your Credit Card account dues, your default in payment of credit dues on time and the non-settlement of
the dues in entirety, has been reported to all relevant credit reference agencies.
Please note that failure to make payment of the above-mentioned settlement amount or dishonour of any of
the settlement cheques issued by you shall render this offer null and void.
e request you to sign the duplicate of this letter in acceptance of the settlement and other terms as
ntioned herein above.
I
the terms set out above.
, residing at the above address, accept the settlement at
Customer Signature:
The Hongkong and Shanghai Banking Corporation Limited
Mardia Plaza, Nr. Associated Petrol Pump,Navarangpura, C.G Road, Alunedabad - 380006. India.
e-mail: [protected]@hsbc.co.in
www.hsbc.co.in
Incorporated in Hong Kong SAR with limited liability
Please address all letters to The Manager
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Hi, I have applied for a personal loan in Axis bank,
Suddenly My loan process is delayed due to cibil report that mentioned that there is a overdue of Rs.225 on my previous HSBC loan,

It is completely wrong,
I have paid my all EMI without any cheque bounce or delay payment,
There is no overdue of Rs.225.
I have already checked my last 2 years bank statement,
There is no Over Due, I have all the details from both HSBC and ICICI where my Loan EMI deducted,

I have sent a mail to HSBC and Cibil including all the details,
There is no response from Cibil,
I received a response from HSBC,directing me to create a user ID and password in HSBC website in order to provide further informations,
In order to create user id, I should open a savings account,
Why should I open a savings account in order to get my query answered?
If I am not getting any proper response,
I am going to file a complaint in consumer court,

Thanks and Regards,
R.Ranjith Kumar
Sutherland Global Services

My HSBC Card Number :[protected], my name is Brijesh Rawal.

The Case :

My name has been forwarded to Credit Information Bureau of India Limited without any prior intimation and going into the details of fruad happned with my card; though HSBC has not responded on the pending issue from last September 2009 (approx 7 months) and i had requested for waving off interest and late payment on my card for only the fruad transation which was transacted on my card by Mr. Yatin Akerkar, a person residing at A-302, Prathmesh Soc, Ayre Road, Tukaram Nagar, Dombivli East, 421201, Dist. Thane.

Further, Mr. Yatin Akerkar has ran away from his house after doing a total fruad of more than Rs. 8,00,000 of 4 person and same was also published in local newspaper, scanned copy of the same was also forwarded to HSBC for ready ref. and i had requested HSBC to go through the details and then wave off the amount not the principal but till date i did not got any reply, i have several reference number and recordings supporting to my queries.

I can also provide any other related references to know the genuiniess of the fruad person, and also HSBC can sent their executive to investigate the matter.

I request HSBC to withdraw my name from CIBL at the earliest as it will affect my personal credit rating and for future applications of loans and credit card as i have not defaulted for any amount, it was a fruad which has happned, for the amount not used by me and i got involved in this matter.
I also request HSBC to lookinto the matter which was not replied to me from the month of September 2009, as till September 2009 my dues was just Rs. 34,000 (approx) and now since i was waiting for HSBC to reply but they didnt the total due has gone till Rs. 49,425, which might not had been if HSBC had supported me in above mentioned fruad case. Kindly accept my request and resovle this matter as frmo last 7 months i am following to HSBC for some favourable support.

I had not logged any police comliant as blank cheque and stamp paper are still with Mr. Yatin Akerkar and he has ran away, and in future he may misuse in any other way hence I have not logged any complaint against hi in Dombivli Police Station. If required I can do the same.

Regards,
Brijesh Rawal.
M - [protected]

1. Service is very poor, It takes 15 min to withdraw money thru cheque in queue of 5 ppl.They give few sweets for waiting. They donot increase in staff as customer care.
2. Automatically upgrades to power advantage without consent from customer & not maintaining min amount (1 lakh in saving a/c with 3.5% int pa) HSBC charges Rs 1000/-.
Reversal of wrongly slapped charges may take min 3months - 1 year according their own staff member. ie. if you are very persistent you will get back your money.
3. Staff ill mannered & highly ineffcient takes ages to get work done , that too much slower than even PSU banks.
4. Lost of atm/debit/credit card thru phone banking Numbers only, no written letter to branch office will do. All losses meanwhile on customers a/c.
5. ATM machine placed in such a way anyone see what you are punching as password. No privacy.

All this in premier city as Mumbai in posh area as Juhu

Recently I used balance transfer facility in HSBC (37,000.00), when I approached for balance transfer they said 0% balance transfer is available with a processing fee (1,200), I paid the fee and opted for it. In my next billing I got financial charges. When I enquired I got a reply back that if I choose balance transfer then my spending will be applicable for an interest until I pay the balance transfer amount. Last month my spending was 20,400, I paid 20,400 by bill date but the bank considered it as for my balance transfer and they charged 1,400 as interest. Still the last month spending is carry forward to this month. As per my understanding if anybody choose the balance transfer for a 3 months period they need to pay the amount within 3 months by paying the nominal fees. But HSBC is indirectly putting charges. Kindly don’t go for HSBC Balance transfer..

Dear All

This attached below mail I finding daily from 1 or 2 emails but this time its with big bank name as HSBC so please check this email for as concen and its might be national security issue also like tererist attact so please reply I am waiting .

My Email Id is = [protected]@yahoo.co.in

BELOW IS FAKE MAIL WHICH I RECEIVED.



Sat, 24 April, 2010 5:05:09 PMTHANKS FOR YOUR UNDERSTANDING
From: "Mayor - Alaminos City, Pangasinan" <[protected]@alaminoscity.gov.ph>Add to Contacts
To:


[protected][protected][protected][protected]




OFFICE OF THE SENATE HOUSE
FEDERAL REPUBLIC OF NIGERIA
COMMITTEE ON FOREIGN PAYMENT
ATM PAYMENT DEPARTMENT (CBN) AND HSBC LONDON.
CENTRAL BANK OF NIGERIA.
IKOYI-LAGOS NIGERIA
DATE: 7/12/2009
OurRef: RGN /NRT/SHN

This is to officially inform you that your payment have been approved (ATM Cash Card Number [protected]XXXXX)has been approved by The Central Bank of

Nigeria,(CBN),working in relationship with the United Nations and the world bank. In view of this your approved amount of ($3,800,000.00 Million United

States Dollars) this card center will send you a CASH CARD which you will use to withdraw your money from any ATM machine in any part of the world. But the

maximum withdrawal is FIVE THOUSAND DOLLARS PER DAY. If you like to receive your fund this way, do contact my Secretary for delivery as soon as possible:

Mrs. Michele Boutin
Email:[protected]@w.cn

with the following information's
FULL NAME:
DELIVERY ADDRESS:(P.O BOX NOT ACCEPTABLE).
YOUR MOBILE PHONE NUMBER:
COUNTRY:
OCCUPATION:
SEX:
AGE:
ATTACH A COPY OF YOUR IDENTIFICATION:

KINDEST REGARDS,
Hon. Dimeji Bankole
Speaker of The House of Representatives

(CHAIRMAN SENATE COMMITTEE ON FOREIGN PAYMENT).

Dear Sir
I have placed order for the product code 3085, 3091, 3070 against reference No.[protected] dated[protected] on my HSBC Credit Card. No.[protected], against redemption of credit crad reward points, But still thay are not sending the same and saying the reward redemption cataloge has been changed with effect from[protected], as I had placed the order on dated[protected], hance the HSBC should send the product as per previous cataloge


Kindly look into the matter


Best Regards.
Suresh Kumar Puhan
[protected]
HSBC Credit Card. No.[protected]

i am a salariedperson in govt institute 50000per month.i had applied for loan with my husband 37000per month.we wanted loan of 3000000.i have given all documents .bank has disapproved loan.they are not giving reason for it

THE HSBC BANK IS WRONGLY SHOWING A DUE OF Rs.. 6910/ AS PER THE LATEST STATEMENT 30/4/2010. INSPITE OF MY CLARIFICATIONS, THEY ARE SENDING ME THE STAEMENTS REPEATEDLY. THERE AGENTS ARE TELEPHONICALLY INSISTING FOR THE PAYMENTS WHICH WAS NOT PAYABLE. I HAD NOT PURCHASED ANYTHING FROM THE CREDIT CARD. ( CARD NO. [protected]). THE CARD WAS ISSUED TO ME LONG BACK & I HAD SURRENDERED THE DAME AFTER DESTROYING THE SAME.THE BANK DON T SHOW ME ANY PURCHASE MADE BY ME ON THE SAID CREDIT CARD, THE BALANCE OF WHICH IS APPEARING IN THE LATEST STATEMENT.
YOU ARE REQUESTED TO LOOK INTO THE MATTER & ADVICE THE BANK TO CLEAR THE BALANCE & DON T DISTURB ME AGAIN.



RAHUL BANSAL

MOB [protected]

HSBC CREDIT CARD – FRAUD AND CHEATING

I was holding a silver credit card of HSBC bank for many years. This card was issued to me stating that it is ‘FREE FOR LIFE’ and there are no joining fee or Annual fee or any other hidden fee at any point of time.

True to that, I was not charged any fees for the past many years UNTIL on 13th April 2010, they charged Rs. 700/- plus service charges towards annual fee plus Rs. 350 plus service charges towards annual fee of one add on card.

I sent an email requesting them to waive off the annual fees to customer care department in their email id [protected]@hsbc.co.in on 14th April and I got a reply mentioning that there is no FREE FOR LIFE credit card and that there was some promotional campaign going on at that time, which is not there currently and I should pay the annual fees as above.

I wrote again saying that I was not informed of any promotional campaign earlier and also I was not informed of closing of any promotional campaign. I requested them to cancel the card immediately. They responded saying I have to pay the annual fee as above and then can take up request for cancellation through different channel, by writing to their office address or talking to phone banking.

I do not intend to make the above payment as I feel cheated by HSBC by giving false information and their deliberate intention was to cheat.

My questions are

1. Why the annual fee all of a sudden on a card promised to be FREE FOR LIFE?
2. Why the annual fee or joining fee were not charged in the past many years?
3. Why was I not informed of the promotional campaign to waive annual or joining fee at the time of taking the card? What are the details of the campaign?
4. Why was I not informed of the closing of the so called promotional campaign, if at all it were there?
5. Why was I not given an option to cancel the card before levying annual fees?
6. Why was I not informed prior to charging Annual fee.
7. My calendar cycle was from 14th to 13th of any calendar month. Why was the annual fee charged on 13th of April, which prevented me to cancel the card prior to charging the annual fee, as it was charged on the last day of the cycle.
8. Why was there no mention of the period for which annual fees are charged?
9. I know of one instance of such levy of annual charges and on request, the same was waived off on 15th April 2010, stating that the fee is waived due to some promotional campaign going on now. That means there is some promotional campaign going on now. Why was that promotional campaign benefits not extended to my card. Why this double standards of HSBC offering promotional benefits only to a few. In what way am I different from those?
10. Where can I take legal recourse and what are the legal remedial courses available to me from this daylight robbery.

sir
i am card holder hsbc bank
card de taim mujh se kaha gaya tha life time free hai
ab us card par salana fees laga rahe hain
main baat ki to koi sunwai nahi ho rahi hai
mai kya kron sujhaoo de

thakyou
shoaib khan
[protected]

I have been a HSBC credit card customer since long time and made every payment in time. I dropped the cheque in their JMD branch ATM box 4 days before the due date but HSBC claimed that they received the cheque late hence they have put late payment and finance charges on me which is invalid. I have called so many times to HSBC customer care to clear these unnecessary charges but they are not agree and every month they are putting charges on previous late/finance charges. I have paid all the legal and valid amount to HSBC in time and requested many times to clear these charges as it is being incrementing as compound interest but they are pressurizing me to pay all the charges and boasting me for making my record as defaulter in CIBIL so that i can not take any financial help from other banks. I even asked them to settle and close the account but they are forcing me to clear all the invalid charges without any discount else we will be putting more charges every month and you have to pay all of them in future.

I am not finding any way to come out of this type o[censored]nnecessary trouble and boasting which is being given to a customer by HSBC bank. They are ready to close the account else putting pressure on the customer to pay all invalid charges else we will make you defaulter.

Even by giving all the payment to bank, HSBC bank is troubling the customer and misusing the banking power.

Anyone please suggest what can be done to come out of this.

Regards
Dheeraj Chhabra
[protected]

After that I have never used the card and requested to close the A/C but card was not closed and unnecessary charges were put on me every month.

Kindly consider the card closure request and settle the account.

Regards
Dheeraj Chhabra