Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

Its not clear, on how you were cheated.. may be some number crunching would help.

Thanks
Sami

am faced with a unique problem now regarding the SCB HOME SAVER loan, i'd taken in SCB in 2006. At the time of taking loan i was told that i should deposit all my excess amount above the EMI amount, which will effectively reduce the principal outstanding and help reduce the interest cost and home loan tenure.


So i made the home saver account as my SALARY account as i do not invest the idle money all the time. So why not let it be parked in the home saver linked account. This will reduce the principal balance on a daily basis and i'll pay less interest on the loan.


So even though the home saver interest rate is actually 0.5-1% higher than the normal loan rate from the same bank, i opted for the home saver option thinking that i'll save interest. So last 5 years the bank had been sending me statement showing how parking excess deposit above the EMI amount had helped me reduce the interest cost and there by shown as "Interest saved" in the form of higher "Available Balance". My excess deposit is shown as "Current Balance".

So mathematically "Available Balance" = "Current Balance" + "Interest Saved". One important thing to note here is that bank does not give any current interest on the excess fund (in other bank it is about 3.5 - 4% on savings account).

So if my principal outstanding was 30 lakh in the first month of loan period and i had deposited 2 lakh then bank calculated the home loan interest on 30-2 = 28 lakh. This helped me save some interests which had been accumulating over the 5 years period. But i did not earn any current interest rate on 2 lakh, which i would have earned, if that amount would have been parked in other savings account, say in SBI.



This calculation is done on a daily basis and over the last 5 years period, i'd saved about 1.5 lakh interest savings. So when on Jan-2011 the net principal outstanding became ZERO and since i'd surplus "Available Balance" (it showed as CR. and not debit), the bank started debiting the EMI from the "Available Balance", which is nothing but "Current Balance" + "Interest Saved". So from Feb-2011 till May-2011 the entire "Interest Saved" amount of 1.5 lakh was wiped out. When i confronted with the bank that the principal outstanding was ZERO on Jan-2011 then my loan should have been closed and i should have been returned the entire "Available Balance", they are now telling the "Interest Saved" portion in "Available Balance" is not your money and it is only reference calculation because of your excess deposit. So while closing the loan this amount will be retained by the bank and only "Current Balance" amount will be returned.





I feel like being cheated here by the bank because :



1) I paid higher interest in home saver loan, which is 0.5 to 1% higher than any conventional home loan rate.

2) I did not earn any interest on my excess fund, which is say 3.5 - 4% in SBI.

3) Every day i'll have say 2-3 lakh cash balance in bank account which did not earn any interest. In addition, bank also wiped out the entire interest saving portion as well.



If i would have known that this way the interest saving amount would be adjusted from "Available Balance", month after month as EMI, when my net principal balance becomes ZERO then i would not have opted for this product. Now i am thinking of first approaching RBI ombudsman and if not resolved then may think of consumer case. I think SCB misleading the home saver customer with this type of product where in customer is paying higher interest than regular home loan product and also no interest rate is being paid on excess deposit fund, which other banks generally pay on current account @ 3.5-4%. I would have parked the excess fund in other savings account which would have earned 3.5-4%.



I want to know, is it OK for the bank to retain the interest saved amount. This home saver product was promoted as everything beneficial for the customer. Can you also let me know what is the beneficial to the bank because of this product. I think the benefit to the bank would be loss to the customer for sure. Is this product mis-sold and mis-leading as it is happening in ULIP insurance products

Axis Bank — Misleading the shareholders.

I received a letter from Axis Bank that share holders are entitled to receive credit cards without having to produce address proof,income proof etc.The Bank accepted my application but refused to issue the card saying that I will be entitled for a card only if I keep a fixed deposit.No where in the letter/pamphlet is it mentioned that I should put down a certain amount to obtain a credit card.The Bank is misleading the share holders.They returned my application WITHOUT a covering letter.so I dont know the reason why it was rejected.On calling them they refused to send me a letter stating the reason for rejection.
Please take stern action against the Bank and instruct them accordingly
jaswanti

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.

Kind regards
Michael

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

HSBC Credit Card India — Late Payment Charges

IN AUGUST 2009, I HAD PAID WITHIN DUE AND BANK CHARGED ME LATE PAYMENT CHARGED.
SAME THING IN SEPT 2009 WHEN I HAS PAID IN 4TH SEPT AND CHQ CLEAR ON 8TH SPET IN MY BANK AC , HSBC STAFF CALL ME FOR PAYMENT ON 9TH AND SMS FOR PAYMENT ON 8TH SEPT 209

THIS MEANS HSBC NOT PROPERTY ACCOUNTED PAYMENT RECEIVED STATMENT AND CHARGED FOR LATE PAYMENT FROM CONSUMER

PL DO NEEDFUL & OBLIGE


THANKS

MANOJ SONAWANE

yes it happend

actual purchase amount Rs.1010/-in the month march'09 but i am not received any statemnets upto June'09. after receiving the statement i shocked the payment outstanding including late charges, immediately i have contacted customer care executive regrading this. the customer executive given promise to reversal of the late charges if you paid the actual purchase amount of Rs.1010/- by way of cash immediately.So immediately i have paid the amount by cash. after that i am not received any satement. again after two months gap i have received statement agains i was shocked they charged late payment. This bank they are accumulated the late payment charges. Again i contacted the executives now they telling it is not possible to reverse the late payment charges.They misguing the people and bluffing the customers.This word if they say at the time of my payment i can think and pay now it is more than the actual payment . evey month they are adding the late payment charges i have all evidences of customer care exective discussion regarding the late payment charges - i.e name of the executive and date of discussion. So kindly do the needful in this r egard

I have closed HSBC credit card No-[protected] on dec2009 but till today i recieve a statement adding Rs 500 as late payment charges every month i called several times to call centre and last month they told me that there is Rs 76 balance as pricipal which i had immediately cleared but again i recieved statement which shows Rs 3500 as balance
When i ask them how they can charge late payment when the card is closed they say till the time you clear all late payment charges this will not be stopped
So this 3500 is late payment charges 500 * 7 months

I request you to help me in sorting out the issue

Harinder
[protected]

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 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.

So if you would like to contact me, please send me your complaint in full.

Kind regards
Michael

Mobile: 0044 [protected]

E-mail: [protected]@aol.com

HSBC Credit Card — Unnecessary calls for payment when there is no balance due

Dear Concerned,

My HSBC credit card number is[protected]. This card was last used in 2006 and a payment was also done, though on the last date of the payment due date. Upon receipt of the bill the next month, I saw there was late payment charge in the statement. I immediately called up the customer care and explained them the situation, however as per the executive on the call, the payment must have been made atleast 2/3 days prior to the last date . On which i explained that even other cards give a grace of atleast 2 working days after the last date of making payment.
Anyways to my surprise she was not convinced and I clearly requested her to reverse the charge and I promised to be careful in future. After that day, I have not used the card a single time and that 350 odd late payment charge has become Rs.10 K now and every now and them after 3/4 months some jerks call for payment and I explain to them every now and then that there are no real charges due on the card and if they want me to pay, they must show me the charges that have been incurred by me and not paid, even if a single dime other than that late payment, I would make not just full payment but even extra . But no one is able to provide it to me. I have also requested them to discontinue the card, but they disagree.Now I'm extremely irritated with this . Please advise the way out as I'm planning to visit a Legal help for this issue.

Regards
Shruti Garg

To,
The Manager,
HSBC Credit Card,
Post Box No: 1001
Chennai – 17
Subj: Payments made within time.

Sir,
I Jagdish Prasad Upadhyay Credit Card No: [protected] as a costumer of your bank has a complaints regarding credit card payments. As I have paid the amount in time as CHEQUE NO: 085571 on[protected] drafted on Big Bazaar Mall at Abids, Hyderabad. At Hsbc ATM Draft Box. At 07pm. Payment has been made already and Cheque was passed on[protected] but your executive is calling from Chennai and saying that payment has not been made.
So please verify that the payment has been made. And also check that in which A/C payment has been made.
Thanking you
Yours Sincerely
JAGDISH PRASAD UPADHAY
#14-4-343/1 Begum Bazaar, Hyderabad – 500 012.

THIS COMMENT IS ABOUT HSBC PREMIUM CIRCLE OFFER WHERE THEY PROMISE TO GIVE YOU SOME WATCH OF RS. 4000/- ABSOLUTELY FREE ALONG WITH OTHER TALL CLAIMS. THIS WHOLE THING IS A COMPLETE FRAUD.

Dear All,
Today, I received an email from Heritage Group/Plat5 Consultancy in relation to my Ticket Bookings. I had already paid Rs. 6055 on 30th January, 2010 by debit of my credit card amount. At that time, I was promised to give a watch worth INR 4000/-, a two nights three days stay in some resorts which I choose from the list and to and fro air ticket to certain destination. At that time, I was not told any extra payments required to be done. However, when I got a reply for ticket booking Hyderabad-Delhi and Delhi-Hyderabad, I was told to email an authorization to Heritage Holidays to bill Rs 5, 640/- ( Rs 5, 640/- towards Airport Tax/Surcharges ) on my HSBC credit card.
I not only got a shock but almost fainted by looking at such a massive fraud.
I have replied them saying that I will not authorize them to debit my credit card account and not to proceed with the ticket booking. I am also contemplating to initiate legal actions against HSBC Bank, and Heritage Group.
I agree with the Complainant. The service is pathetic. The paltinum5 Premium offer of HSBC Bank Credit card offer is a fraudulent offer. They make so many tall promises when they call you up but when you get to know details, it will be too late as the options are very limited. In fact, regarding hotels and resorts, they say that it is 4 stars and 5 star but they are not. For example, recently, I stayed in a Resort called Logoa Azul in Goa on self expense which is one of the resorts selected under this programme of Premium offer. This resort is NOT a 4 star one. Rather, this is not a resort which deserves any star. Similarly, there are many conditions and terms and very stupid policies they have which makes the offer useless most of the time. Like, there are restrictions on utilization offer like some months depending on places are excluded during which you cannot utilize your voucher. Another funniest thing for example is you can fly Kolkata to Hyderabad and from Hyderabad to Kolkata, but you cannot fly Hyderabad to Kolkata and Kolkata to Hyderabad on which point I am still fighting with them.
The whole scheme looks like a scam orchestrated by HSBC Bank in connivance with some private company. I am soon lodging a complaint on this with HSBC Bank or its banking ombudsman and if no satisfactory reply is received, I am thinking to complain it to RBI. I am not sure and do not know if there will be anything positive, but I think we must try not to let this scam happen.
Another irritating aspect is their call center heritage. Most of the time, they do not receive the calls despite phone ringing, and ask in typical Hindi accent and in a very monotonous sound and frequently say 'Haan ji' in Hindi without anything caring about whether the person calling knows Hindi. While customer will be talking in English, they start immediately talking in Hindi, sometimes leaving the customers wondering what she is saying.
Another absolutely disgusting thing about them is that it looks they are shortage of men power or have been crowded with cheap labour in the markets who do not have enough energy to respond calls. Even when phones are ringing, no one picks up the phone and bothers to respond. It happens 9 out of 10 times and this will make a really frustrating experience to you.
We must protest against this corporate scam.

THIS COMMENT IS ABOUT HSBC PREMIUM CIRCLE OFFER WHERE THEY PROMISE TO GIVE YOU SOME WATCH OF RS. 4000/- ABSOLUTELY FREE ALONG WITH OTHER TALL CLAIMS. THIS WHOLE THING IS A COMPLETE FRAUD.

Dear All,
Today, I received an email from Heritage Group/Plat5 Consultancy in relation to my Ticket Bookings. I had already paid Rs. 6055 on 30th January, 2010 by debit of my credit card amount. At that time, I was promised to give a watch worth INR 4000/-, a two nights three days stay in some resorts which I choose from the list and to and fro air ticket to certain destination. At that time, I was not told any extra payments required to be done. However, when I got a reply for ticket booking Hyderabad-Delhi and Delhi-Hyderabad, I was told to email an authorization to Heritage Holidays to bill Rs 5, 640/- ( Rs 5, 640/- towards Airport Tax/Surcharges ) on my HSBC credit card.
I not only got a shock but almost fainted by looking at such a massive fraud.
I have replied them saying that I will not authorize them to debit my credit card account and not to proceed with the ticket booking. I am also contemplating to initiate legal actions against HSBC Bank, and Heritage Group.
I agree with the Complainant. The service is pathetic. The paltinum5 Premium offer of HSBC Bank Credit card offer is a fraudulent offer. They make so many tall promises when they call you up but when you get to know details, it will be too late as the options are very limited. In fact, regarding hotels and resorts, they say that it is 4 stars and 5 star but they are not. For example, recently, I stayed in a Resort called Logoa Azul in Goa on self expense which is one of the resorts selected under this programme of Premium offer. This resort is NOT a 4 star one. Rather, this is not a resort which deserves any star. Similarly, there are many conditions and terms and very stupid policies they have which makes the offer useless most of the time. Like, there are restrictions on utilization offer like some months depending on places are excluded during which you cannot utilize your voucher. Another funniest thing for example is you can fly Kolkata to Hyderabad and from Hyderabad to Kolkata, but you cannot fly Hyderabad to Kolkata and Kolkata to Hyderabad on which point I am still fighting with them.
The whole scheme looks like a scam orchestrated by HSBC Bank in connivance with some private company. I am soon lodging a complaint on this with HSBC Bank or its banking ombudsman and if no satisfactory reply is received, I am thinking to complain it to RBI. I am not sure and do not know if there will be anything positive, but I think we must try not to let this scam happen.
Another irritating aspect is their call center heritage. Most of the time, they do not receive the calls despite phone ringing, and ask in typical Hindi accent and in a very monotonous sound and frequently say 'Haan ji' in Hindi without anything caring about whether the person calling knows Hindi. While customer will be talking in English, they start immediately talking in Hindi, sometimes leaving the customers wondering what she is saying.
Another absolutely disgusting thing about them is that it looks they are shortage of men power or have been crowded with cheap labour in the markets who do not have enough energy to respond calls. Even when phones are ringing, no one picks up the phone and bothers to respond. It happens 9 out of 10 times and this will make a really frustrating experience to you.
We must protest against this corporate scam.

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 has been doing and is doing in India to our customers.

I have seen your complaint on the Cosumer Court web-site.
Please allow me to say that I am very sorry the way HSBC has treated yourself.

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.
I have been able to deal with complaints, and had all charges removed and had their names removed from CIBIL. they are very happy. Even if you have paid them money, I can assure you that what they did to you and this is my personal belief that their actions are illegal.

So if you would like to contact me, please send me your complaint in full.

Kind regards
Michael

Mobile: 0044 [protected]

E-mail: [protected]@aol.com

Sub : Credit Card Payment, HSBC Gold Card No.-[protected] and Credit Card No.-[protected]

Dear Sir,

HSBC issued me two CC.- [protected] & [protected]. In October 1st 2007 my wife deposited an amount of Rs.5700/, Chq No.-672919(BOB), in favour of 5164 instead of 6315. I requested the bank to transfer the amount of Rs.5, 700/- to CC No. 6315 and to cancel the card no.-5164 which is creating confusion to us. But at the time of transferring the money HSBC deducted Rs.3240/ renewal charges of CC-5164 (for the card which I have never used) & transferred Rs.2086/-leaving an balance of Rs373/ at my Credit Card a/c 5164. I requested to HSBC to reverse the charges and to transfer the full amount to CC No-6315. In response to my letter Miss Jeyalakshmi-CSO reversed the annual charges through her letter dated January 8, 2008 (copy attached) and also advised me to contact with their phone banking Officer. I contacted with the phone banking officer several times but they have denied to reverse the same. Since then I have written to the bank several times and called to the phone banking officer not less than 30 times (every time they lesson the problem for 20 minutes discussed with their senior and then disconnected the lines). At present the bank has referred the case to a recovery agent. During last 2 months the agent every day calls me 20-30 times he shouted on me and asked for the money. He has no record he is not ready to lesson my argument. Due to so many telephone calls I am losing my mental piece. HSBC has black listed me and due to which other banks are denying to sanction me loans also. I request you to compel HSBC to settle my CC Account No.-6315 by transfering Rs.3613/- from my other Credit Card A/c and to stop the harrassment by the Recovery Agent.

Thanking you.

Yours faithfully

Pranab Roy
30.07.2009

HSBC - Credit Card — Card delivery date

sir/madam,

I have applied for credit card in your concern.I believe all the verfication is over.Even on last week, your representative came for office verification and he told that i will get the card in 3 business days.

FYI,
Date of birth:12/04/1984
mobile no :[protected]
Ref no :[protected]

To HSBC BANK,
This is to inform you about a credit card no [protected] for which I have been Froude by HSBC bank. As according to consumer law & fair debt collection practices I must try to to resolve the matter 1st with the service provider it self. When I used this card I was never use to get timely statement in last I have to decide to close the card with a mutual agreement with the bank to settle the card for rs 23200/ for which I have letter from the bank for 7 mar- 2008. Signed by AVP- Debt management (Mr mohit chopra). In this hole process thers been several laws which was taken for granted . a collector came to my house while I was not present and have disclose the debt to my mother were according to law you cannot do that if the customer is above 18 year of age. After paying the balance of Rs 23200 in six installments starting from 15th mar2008 by the cheque no .738832 till the last payment of Rs 3865.00 for aug 2008 by cheque no 036038. To the collection agency HORIZON CREDIT MNT SER, 52 OLD RAJENDER NAGAR 3RD FLOOR NEW DELHI -60. To the collector Mr pankaj. After paying all the installment when asked Mr. pankaj to send us the zero balance letter it was informed to me that this process will take at least 2months and you will be receiving a zero balance letter. After facing with the great hassle with HSBC bank it was understood that will not be receiving any letter for which it was already informed to Mr pankaj . after all these month the letter which I receive from bank is from SANJEEV SINGH & ASSOCIATES ADVOCATES about the same account as still running on default status. Now its to inform you that I have faced lot of mental harassment from the bank regarding the same account which has been settle for which I have paid this is a last try from my end to let you no if you can send me the zero balance letter. Or rest I should reply to your legal notice from sanjeev singh.
Thank you
Abhishek sengupta

Dear sir/ madam

kindly confirm me what is the sataus of my creadit catd my card no is [protected] .

HSBC — Credit Card - false charges

I have applied for one card and not using it from last 1.5-2 yrs. Also i asked them to stop it and register the call. Still it was active and got the call for payment. It must be account renewal charges as i didn't had any transaction over a year. Now recovery agent calling and troubling me every month. will HSBC stop this cheap practices to collect money ? I am sure thats the main reason of showing profit even in this financial crisis.

HSBC Credit Card — harrasement

I was holding a credit card of HSBC from the year 1999 & was using it without any problem.My office changes in the year 2007 january from Gurgaon to Okhla & I informed the bank authority well in advance, but did not received the statment ever from then till now. That time I had made a payment which was not received by the bank & thus I was not aware what was the exact amount to be paid, but had a fair idea that its around rs.5000. However I started receiveing the settlement call from bank frenchise company in the year 2008 ( Creative Solution ), where I commited that I will pay each & every penny which is due on me of the transaction i have done but will not pay any amount which is due to late payment as its no my mistake. Thereafter the executive send me the statment through e-mail & I paid 5450 rs in cash ( this was the actual amount due) to the executive who came on dtd29.07.08, vide receipt no.0307004. As he confirmed that I will receive the full settlement letter in a day or two, i never received anything from them till now. I tried to call this person on the tel no which he gave me but of no use as it was now no longer working. Now every day have been receiveing calls from different executive of bank asking for paying the money which I have already paid. I do not know where to go & what to do further. They have harrased me like hell & all the executives are using abusive languages when ever they call.I have been explaining the whole story too all the executive but of no use. Now I am tired, Please help. I have this receipt which was given to me while I made the payment of full settlement.

Dear Shalini,

It is with regards to your complain posted on consumercomplaints.in against HSBC.


In this connection I have read your whole details with great interest.There are lot of victims out here who have similar situtation like yours. Please allow me to analyse your situation in the view point of a professional expert with the following points.

1) "" My office changes in the year 2007 january from Gurgaon to Okhla & I informed the bank authority well in advance, ""

What was the mode of information ?

2) "" Thereafter the executive send me the statement through e-mail ""

What was the TOTAL amount due ?

3)"" As he confirmed that I will receive the full settlement letter in a day or two ""

What was the mode of confirmation ? With regards to your settlement ...had you received any letter OR email communication ?


You kindly reply me with the details in order to have a proper and professional advise.

You may write me for any further assistance.

Regards
K Rajneesh
Head
INDIAN CONSULTANT GROUP
( Expert in Banking Disputes & Grievances )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com

i have hsbc c.card, in sep-2008 i transacation 2000/ &i pay before due date, i drop ch.in hsbc drop box, after 15/20 days i call hsbc &said ch.not clear in my acc.they say i dont rec.ch.after 4 days they rec ch.after 2 month he call &you have due payment of hsbc card late fee+ intrest +annual fee charges i say the story then he say ok i reverse the all charges, i say plaese canncled my card he say ok not problem, after 4month hsbc call & say plaese pay the last payment after taht i call hsbc they say your card is closed in march-2009 what i do please please i req, you short out this problem, my name is rakesh agarwal, [protected] card no.[protected]

HSBC — Check cllection charges

Hi,
I did not ask HSBC to send a person at my home for collection of rs 583 cheque.

They sent a person and I was charges rs 100 for the same. They did not inform me that cheque collection charges is rs 100. Nor did I ask them to send one.

HSBC now refuses to revert this charges.


Also, when we got the SBC catd, we were assured that it is life time free card, now they keep chargong every year for my card and add on card and I have to fight every year with them to get it removed.

Can some one let me where do i take my case to.

Thanks,

Mukul

I WOULD REALLY APPRECIATE IF SOMEONE, SOMEONE WHO CARES TO SERVE THE CUSTOMER WOULD SOLVE MY PROBLEM PERSISTING SINCE FEW MONTHS NOW.
LET ME START ONE MORE TIME FOR YOU, I WAS OFFERED A CREDIT CARD WHEREIN I WAS TOLD I NEED NOT PAY ANY ANNUAL FEE (LIFE TIME FREE CARD) SINCE WE HAD A CO-OPERATE ACCOUNT WITH YOU. I WAS ALSO TOLD EVEN IF I HAD TO LEAVE THE COMPANY I WILL NOT BE CHARGED.

LATER WHEN I HAPPENED TO CHECK MY ACCOUNT OF MY SAVINGS ACCOUNT AND THE CREDIT DETAILS I WAS SHOCKED AS I WAS CHARGED AN ANNUAL FEE OF RS.700.10. I CALLED THE CUSTOMER SERVICE CENTRE TO BRING IT TO THE NOTICE IF IT WAS AN ERROR;AFTER MUCH AGRUMENT I WAS PUT TO SOME SENIOR NAMED ELIZABETH (BOGUS). SHE HEARD WHAT I HAD TO SAY AND SEEMED TO UNDERSTAND THE MATTER; HENCE REQUESTED ME TO PAY THE AMOUNT FOR THAT PERIOD OF TIME AND PROMISED RATHER CONVINCED ME BY SAYING SHE WOULDNOT BE ABLE TO CANCEL WHAT CAME ON THE STATMENT;BUT WOULD HELP ME BY CONVERTING IT TO BONUS POINTS AND ALLOW ME TO USE THE ENTIRE AMOUNT BY BUYING SOMETHING FROM YOUR NET BANKING. I RECONFIRMED AS TO WHETHER I WOULD GET THE ENTIRE AMOUNT OF RS.700/- ON SHE AGREED ( ALL CRAP). I ALSO ASKED HER IF I COULD GO TO ANY OUTLETS OF YOURS; SHE INFORMED AND RECONFIRMED STATING THAT YOU'LL(HSBC) DONOT HAVE AN OUTLET BUT CAN USE THE NET SHOPPING FACILITY. TRYING TO BE UNDERSTANDING AND WANTING TO STICK TO YOUR RULES AND REGULATION EVEN THOUGH NOT VERY HAPPY AGREEING TO THE ABOVE CONVERSATION RECONFIRMED WHETHER I WOULD GET MY ENTIRE AMOUNT OF RS.700/- UPON WHICH I WAS GIVEN A POSITIVE ANSWER.(YES).

NOW THAT I WANT TO CLAIM FOR IT I WAS TOLD BY ONE OF YOUR CUSTOMER SERVICE PERSON THAT I NEED TO ALSO PAY AN ADDITIONAL AMOUNT OF COURIER FEE AND I WOULD NOT BE ABLE TO COME AND COLLECT IT APART FROM NOT ALLOWING ME TO GET THE ENTIRE AMOUNT OF RS.700/- THERE IS NO ITEM WHICH IS COSTING RS.700/- BUT INSTEAD ITEMS WORTH RS.600/- U TAKE THE POINTS OF RS.700/- WHEREIN MY RS.100/- IS STILL WITH YOU.WHEN ASKED A QUESTION WHY SHOULD LET GO RS.100/- WHEN YOU CHARGE US AN INTEREST OF RS.400/-ON 10 PAISE IF NOT PAID. ( [censored]EST BANK)
INSPITE OF ALL THIS..I STILL OBEYED THE RULE AND PAYED OFF THE DUES ( looking at your PATHETIC service i have in first place )

I WENT AND PERSONALLY COMPLAINED UPON WHICH I WAS PUT ON TO THE CUSTOMER SERVICE AND THE SAME STORY WAS REPEATED WHICH WASTED MY TIME. I WAS TOLD BY THE ADVISOR THAT I WOULD BE PUT TO THE MANAGER AFTER HOLDING FOR A LONG PERIOD, NO MANAGER CAME TO LISTEN. (AGAIN THE ADIVISORS AND MANAGER IN CALL CENTER ARE NOT DOING THIER JOB OF LISTENING AND HELPING THE CUSTOMER - I WISH THAT ADVISOR AND MANAGER SHOULD LOSE THEIR JOB) I WAS TOLD A SORRY WHICH MEANT THAT WAS ALL THAT THEY COULD DO. THEY TOLD ME TO CANCEL THE CARD WHICH I WILL NOT TILL THIS IS SOLVED.
SO PAY ME MY MONEY BACK / REIMBURSE OR GIVE ME FULL VALUE OF THE ENTIRE AMOUNT. HAVE SOME SHAME.. AND IF YOU REALLY CARE TO SOLVE THE ISSUE AND HELP CUSTOMERS THEN YOU SHOULD START FROM HERE. AND THIS SAME COPY MIGHT ALREADY BEEN FORWARDED TO CEO AND OTHER SENIOR AUTHORITIES OF HSBC. I WONT LET THIS HAPPEN TO ME UNLESS YOU RESOLVE THIS. SO EITHER YOU HELP ME OUT DIRECTLY OR WHEN YOUR HIGHER AUTHORITY MAKE YOU DO IT, CHOICE IS YOURS.
I HAVE WORKED IN RENOWNED BPO, I EXACTLY KNOW HOW THE CUTOMER SHOULD BE TREATED AND WHAT ALL GOES IN THERE TO ESCAPE THE SITUATION.

PS : - HSBC - Have Shame Before Charging

HSBC Bank — Fake Charges + Harrasement

i am using hsbc credit card ..when they issued me card they informed me that it is free for life time. but every year they charge annual fee and later i have to call and waste my time scan the letter received and ultimately they waive off the charges

it take time so they levy interest charges on the defaults...later they call at 6 am in morning , give miss calls and harress me

it has the most pathetic service

so i request everyone not to use the same

Even i too faced the same problem, is there any way to avoid

HSBC Credit Card — false charge

Hi sir,

This is with reference to my Credit card Number [protected]
, which has been closed on July 2007 .It's
very unfortunate that after 2.5 yr i am getting threatening call from
the recovery agent from Delhi from [protected](named as suresh,Brij
timing of call 12:46 date:- 10 November 2010 )

I am being mentally tortured by them again and again to pay the 7000
rs.He is very much abusive as well as he is calling to my relative. He
is just forcing me to give the money that i have already paid.

Full description of settlement :-

ref :- FFS/NI/NDH/NWO/CPD/220607 -1pm

It was decide to give 8000 rs in settlement letter.I given two cheq
4000rs each. (i mentioned that please deposit this on )

but they deposited 5 days before so it's bounced(it
was conspiracy so that again they have some point). then again i get a
call from HSBC recovery agent for deposit the 4000 in cash

with receipt.

I deposited the money and get the receipt. They
told now Ur account is closed.

I verified with the bank they told yeah it's get closed.

HSBC — Collection Charges

When I received Statement for the month of December , it was having Rupees 100 charged as collection charges and when I inquired about this I was told that since 15 Sep 2010 and payment cheque deposited in Skypak or HSBC drop Box or any Cash payment done at HSBC counter will invoite collection charges. When I resisted they have prmised me to refund the money however I have asked repeated many times the reason for collection charges as I have been useing Credit card for almost 5 years and never had this and even when I got the credit crad nobody told me about this..this is totally unjustified and is very much against the customers rights. I have exchaged mails with them however there is no concrete reply in terms of my question.

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...

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

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.

Kind regards
Michael

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

HSBC Credit Card — Asked for credit card but they didn't call yet.

I have asked for HSBC gold credit card. Got reference no. from them. But did not get any call yet. Its been 6-7 days i got ref no. I do not know whats the problem. Please find my details below:
Name: Gaurav Sotani
mobile no.: [protected]
reference no.:[protected]

HSBC Bank — Credit Card annual charges on expired card

Complain Reference no [protected] on HSBC email

1. Credit card was issued to me with promise of 'free
for life' and that was perhaps the only buying criteria.
-----HSBC has never charged any annual charges in any year since it was
issued in 2007.

2. The card expired on Jan 2009, no written or telephonic confirmation was
taken from me for renewing the card and even it was renewed the same has
been never delivered to me. I also didn't ask for the same thinking that it
has already expired and hence would have been closed. Also I had no
requirement for it.
Now in Jan 2010, I get the bill with Rs.2000+ taxes for the card. You say
that you don't have any promotional scheme ..blah..blah. Boss, first of all
you(or your sales agents) have sold the card with 'free for life' and don't
charge any thing for 3 years. Then, you debit charges all of a sudden.

3. Why on earth would I pay for something which I don't have at all?

dear sir premium circle card amount with canceled. ple cancel immt [protected]

I took the offer from HSBC PLAT5 last year & I am totally satisfied with the services they offered to me.

I really enjoyed the Goa trip, I stayed at The Country Club. Its near to Anjuna Beach.. & also i got 250 rs as cash back on my credit card for the purchase of Rs 5000. Though the amount is minimal but after reading so many complaints I can say that we should not doubt the credibility of bank like HSBC.. They would not cheat & hence loose their customers for such a small amount.

PLAT5 was definitely wonderful as a service provider or may be bank has pressurized them to provide such good services. Obviously, the end motive of any company is profit but I believe that not only they are making profit but are earning reputation for themselves that's why big brand names are associated with Plat5.

Thanks for the offer. Waiting for the more opportunities to come my way so that i can make the best out of it.

Avi

THIS COMMENT IS ABOUT HSBC PREMIUM CIRCLE OFFER WHERE THEY PROMISE TO GIVE YOU SOME WATCH OF RS. 4000/- ABSOLUTELY FREE ALONG WITH OTHER TALL CLAIMS. THIS WHOLE THING IS A COMPLETE FRAUD.

Dear All,
Today, I received an email from Heritage Group/Plat5 Consultancy in relation to my Ticket Bookings. I had already paid Rs. 6055 on 30th January, 2010 by debit of my credit card amount. At that time, I was promised to give a watch worth INR 4000/-, a two nights three days stay in some resorts which I choose from the list and to and fro air ticket to certain destination. At that time, I was not told any extra payments required to be done. However, when I got a reply for ticket booking Hyderabad-Delhi and Delhi-Hyderabad, I was told to email an authorization to Heritage Holidays to bill Rs 5, 640/- ( Rs 5, 640/- towards Airport Tax/Surcharges ) on my HSBC credit card.
I not only got a shock but almost fainted by looking at such a massive fraud.
I have replied them saying that I will not authorize them to debit my credit card account and not to proceed with the ticket booking. I am also contemplating to initiate legal actions against HSBC Bank, and Heritage Group.
I agree with the Complainant. The service is pathetic. The paltinum5 Premium offer of HSBC Bank Credit card offer is a fraudulent offer. They make so many tall promises when they call you up but when you get to know details, it will be too late as the options are very limited. In fact, regarding hotels and resorts, they say that it is 4 stars and 5 star but they are not. For example, recently, I stayed in a Resort called Logoa Azul in Goa on self expense which is one of the resorts selected under this programme of Premium offer. This resort is NOT a 4 star one. Rather, this is not a resort which deserves any star. Similarly, there are many conditions and terms and very stupid policies they have which makes the offer useless most of the time. Like, there are restrictions on utilization offer like some months depending on places are excluded during which you cannot utilize your voucher. Another funniest thing for example is you can fly Kolkata to Hyderabad and from Hyderabad to Kolkata, but you cannot fly Hyderabad to Kolkata and Kolkata to Hyderabad on which point I am still fighting with them.
The whole scheme looks like a scam orchestrated by HSBC Bank in connivance with some private company. I am soon lodging a complaint on this with HSBC Bank or its banking ombudsman and if no satisfactory reply is received, I am thinking to complain it to RBI. I am not sure and do not know if there will be anything positive, but I think we must try not to let this scam happen.
Another irritating aspect is their call center heritage. Most of the time, they do not receive the calls despite phone ringing, and ask in typical Hindi accent and in a very monotonous sound and frequently say 'Haan ji' in Hindi without anything caring about whether the person calling knows Hindi. While customer will be talking in English, they start immediately talking in Hindi, sometimes leaving the customers wondering what she is saying.
Another absolutely disgusting thing about them is that it looks they are shortage of men power or have been crowded with cheap labour in the markets who do not have enough energy to respond calls. Even when phones are ringing, no one picks up the phone and bothers to respond. It happens 9 out of 10 times and this will make a really frustrating experience to you.
We must protest against this corporate scam.

PLAT5 consultancy..

Came to know about them through HSBC bank when they offered me premium circle program in association with Plat5.. In this program they offered me a holiday package, flight voucher, 5% cash back, 3 international vouchers & a branded polo watch..

The entire package was being offered for INR 6055 inclusive of service taxes.. The offer was quite lucrative so I thought I must go for it & surprise my family with the package, as I have 2 kids who were after my life to go for a vacation but I was refusing them due to one or the other reason..

Finally I said yes to the offer & received the WP after 5 weeks during which I planned my trip & completed the pending task so that I can enjoy my holiday & relax.. We went to Mussorie, the Avalon resorts and must say the experience was amazing. The hotel is surrounded with lush green valley & the rooms were exotic.

All together I would like to thank Plat5, heritage holidays & above all HSBC for having tied up with them & offering this program to its esteemed customers & make us feel special.

I have complete trust in HSBC & services being rendered by them.. Its been more than 5 years now I have been dealing with HSBC.. I have dealt with them when I was in Pakistan & now I have moved to India due to ill health ..

I hold 2 credit cards out of which one is for HSBC & its been a pleasure always to use the services being offered on this card.. Since I came to India & wanted to explore the native place HSBC also gave me this chance by providing privilege circle program in association with Plat5...

Not only I got 5 % cash back which was minimal amount though... But, am glad to have visited Jaipur.. I stayed at Hawa Mahal & got a chance to see & learn about Indian Culture.. There's a lot i want to know.. But my health isn't allowing me..

Still i won't miss any chance to enjoy life to its fullest...Bit sad to read about complaints against HSBC..

Can understand that all the customers are not happy, satisfied like me.. Believe that the bank need to improve upon their services..

The services provided by their service provider Plat5 was wonderful... I am thankful to the both to have given me this chance..

Best wishes
Shahin

I am bit surprised to read the above post but on the other side glad as well.. prior reading the above post I was thinking that I am the only one who has utilized & benefited from the these loyalty programs offered to the credit card holders of HSBC by Plat5...

I too as mentioned above have availed all the benfits & I am happy to have such benefits at such discounted price. It wouldn't have been possible to get so many things in one package but due to the tie up between two firms it was made possible that the customers get such benefits at a price much lesser than what they are available in the market..

Thanks team..

I am too CC holder for long & has been receiving such benefits from bank.. The bank has always been nice to its customers in providing such beneficial schemes.. The bank has been very careful in choosing the product which would be given to its customers. This product is too heavy money saver & PLAT 5 has been great in providing the services.

HSBC/Personal Loan — Removal of my name from CIBIL report.

Hi,

I have Personal loan ( 2 lakhs)running from HSBC with account number[protected] .Actually I met with an accident few months back and was unable to pay last 3 EMI's.Now I have cleared all my payments till now.If you will see my past record I have very good repaymnet record in this loan except these 3 EMI's

Now I have applied for 1 more personal loan with some other banks but my loan is getting rejected because my name is coming in CIBIL report due to which I am not getting personal loan for my sister's marriage. As of know it is coming 105DPT under my name in CIBIL report.

So plz update my payments in CIBIL asap so that my name will get removed from CIBIL report.Plz do it now as I need personal loan for my sister's marriage with in a month or two.

NOTE - PLZ NOTE DOWN MY CONTROL NUMBER OF CIBIL[protected]

Regards
Gourav sareen
[protected]

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HSBC Bank — Credit Card not received yet

I have not got my credit card yet, even i am not able to track the status of it.Please look into it as soon as possible.

HSBC — credit card debt

hsbc credit card holders are getting regularly late fee/finance charges etc., it is burden on regular user of credit card

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-CREDIT-CARD

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

HSBC Credit Card — Complaint against fake billing of credit card

Respected Sir,
my self prateek vashisth, a security officer in a prestigious oraganisation under the Cab . Sec., Govt of India.
my request is that i have lodgged a complaint regarding the outstanding bills though i have not been issued any credit card by the bank in the month of july 2008.to the HSBC Bank Though i applied for credit card but bank denied with the argument that bank will not provide the credit card to Police perssonels.

The bills showing the outstandings are regularly comming to me.and other hand i have not issued any card from the bank.
I regularly lodges my complaint but no possitive response comes neither from the office of bank nor from the call centre.

HSBC Credit Card Reference[protected]KMM3229549I123L0KM

some complaint ref nos are below
complaint Reference number - [protected]
Reference number[protected]
Reference number - [protected]
Apart from this bank is saying that bank had provided som kind of issurance etc. but in this regard i did not got any material. and on other hand if i could not become the bank's so called loyall customer then how can these charges are applicable to me.
Pls find out the facts of this case and try to solve it and bank must be penalised in this regard to harrase a civilian.
prateek

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 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.

So if you would like to contact me, please send me your complaint in full.

Kind regards
Michael

Mobile: 0044 [protected]

E-mail: [protected]@aol.com

Dear Sir
Thank you my problem has been shorted out. I have received NO Objection certificate From HSBC.
Ramanath Pandey
[protected]@gmail.com

HSBC — fake

a guy name arvind told us that he is a h.r. manager in hsbc kolkata branch and offerus for job and took telephonic interview and took500 per head by account no but now we know that he is afake man wat should we do please help us

dear sir,
please let me know why my credit card is not accessing.details below:
HSBC credit card no: [protected], B.Venugopala rao, mobile no: [protected], e mail: [protected]@gmail.com

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