Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

Sir, My name is Shivappa. H.T. My wife had 2 HSBC credit cards. In 2003, I made some payments. At that time the outstandings may by 15000/- for both cards. Afterwords my wife went for delivery. i stoppped to make the payments. I shifted my house and afterwards nobody had called me nor come to my house. I had lot some critical problems and I did not made any payment. Now changed the house for some financial problems. In November 2009 some recovery agent had come to house and asking for payments. Then I told I have not recd any statements or nobody had given any notice to me. I do not know the total outstandings. Then he agree and went. AFter three years it is write off. Now i am receiving some calls from HSBC peoples and they are searching my address even though my address is updated in the Bank. Now the question is shall I have to pay money or not? But I am not receiving directo calls from HSBC. But some time they are calling and asking about my address. I am in a critical condition. Please give suggestions.

I have taken personal loan 2 years back and I am paying the amount regullarly by ECS and I need to close the loan as I am fed up of it but I am not able to get any source of contact for the same.I went to the branch somany times situated at somajuguda, hyderabad but they dident give proper information about my loan status. please send the pre closing statement of my personal loan account as early as possible.

My self Sunny Banerjee is holding an hsbc credit card,no.ending with 0313.I have recieved a statement where 3089/" is the amt due.There are 2 emis I pay every month of 719 & 699 respectively.But in the month of Feb my cheque bounced due to insufficient balance, as I was out of station.I have paid the full amt by cash after that incident.In my statement hsbc has charged bounce charge(which I am ready to pay) also a membership fee has been added, and late fee is also added.this is my heartiest request to waive my late fee and membership fee.My due date is 11th of march.
bee

Dear Advertiser,

I had a HSBC salary account opened in 2008 which i used only for a month,after which my company changed to HDFC .I have been receiving statements for 15 paise for year or so.I sent them a letter to close my account.

Shocking to get a letter the next week which had some charges for non maintainance of quarterly balance for the last two years coming up to 5,000.with no prior intimation either.

This is gross cheating ,and such a reputed Bank should desist from doing such things.

Is this how they are making money.Even a money lender will tell how much interest he is going to amass.

Middle class salaried people are harassed by such Banks on such hidden charges,finance charges etc.These International Banks have several billions of Rupees in various currencies, but they act like money lenders sometimes even for 15 paise

I Madan Arora have been your customer from since many years. i m holding a credit card of your bank. The Credit Card number is [protected].
1. I had received a call from your call centre about scheme,that your bank is issuing card without any annual charges and without membership and renewal fee and no additional fee for addition card.Relying on the statement of your agent. I had applied for the credit card. No annual fee or premium card fee or any other charges were charged from me.
2. On 12 May 2009 I had used the credit card for purchase of the mobile phone. But I was really shocked to see statement dated 9th June 2009 it contained a bill of what i had purchase as well as some charges like opening balance Rs 47.73, premium card fee Rs 700,card annual charges Rs 350,installment Rs 291and late payment charges Rs 400.Thus the total of extra charges was Rs 1335/- then I made a call to the bank call centre about this extra charges and was advised to pay the bill of the amount of purchase i.e Rs 25,000/- which I paid. I also made a request to discontinue my credit card on 26th June 2009 vide request no. [protected] and I paid the amount of Rs 25,000/- as advised being the price of goods purchased by me.
3. Even though I had made request about discontinuanceof my card.On 11th Jan 2010 your bank has sent me another bill of Rs 6058/- in which the discontinuation of the card has been shown on 10th Jan 2010 and I had been asked to pay the amount which was disputed by me as not payable toward annual charges,premium card charges,late payment and further intetrest has been charged on interest.It is apparent that even interest has been capitalised for the purposes of calculating interest.
As all ready request since June 2009,that I am not liable to any annual fee or premium fee as none had been agreed upon by me and the bank.You are requested to revoke all these charges and clear my account as the said chrges are not payable by me.You are kindly requested to do the needful an intimate me regarding the same.

sir,
I Santosh Laxman Dhawal received HSBC Credit Card No.[protected] in 2007 and continuously made transaction without default.
I purchased articles worth Rs.12,342/- between 12,feb 08 to 11 march 08. and made payment of Rs.12,342/- by citi bank cheque No.996383 dtd.03 april 08 before due date. However this cheque payment mistakenly given to Card No.****9546 instead of my card A/c.No.[protected] and shortly credited by Card No.****9546 to my Card No.****5469 as per informed by HSBC authorities through e mail dated 10 jun 08. Instead of credited the above amount HSBC sent revised statement indicating the due amt.of Rs.28,032/- without any verification.

In spite of that the representatives of HSBC frequently phoned me and visited home for the recovery of above amount and send payment details to pay the amount. Recently HSBC authority send a telegram cum notice for asking a legal action in a court of law.

As I am a law abiding person, I had never did such false transaction before, HSBC has threatened to provide credit history to Credit Information Bureau Of India (CIBIL) Ltd. an initiative of the Gov.t of India and Reserve Bank of India and this may impact on the ability to avail credit facilities from any financial institution in future. This way they are pressuring me to pay the amount of Rs.28,032/-.

So please do the needful and give me the justice and get rid of this matter.

Thanking you,

Santosh L.Dhawal

Respected Sir / Madam,

I had taken credit card from HSBC in May or June 2008 ( Cr.Card No - [protected] ). But in the same or subsequent months they had debited insurance charges without my concent & issued me the statement. On equiry, their executive told me that this is insurance charges. I told him to revert back the charges as I do not want any insuance. Still they debited 2 extra premiums.
On enquiry they said that at the time of application you have ticked "yes" for insurance. But as per my knowledge I specifically told the executive that I do not want anything.
Now HSBC have put my name in black list because of which I am not getting any loan.

Please help me to get out of this problem.

Thanks & Regards
Shrikrishna Chavan

I Pankaj jain Card no [protected] had terminated the card in nov.2009 for which i got a confirmation on 9th nov.2009 from hsbc. then i recieved a letter dated 19th nov2009 from hsbc stating that my account was in no longer arrears. Now i have started recieving harrassment calls from hsbc to make a payment of Rs.5700 approx. which consists of all late payment & annual charges. This all despite the fact that reason for closure of card was untimely delivery of statement due to which late payment charges were being levied on my account, on repeated requests to customer care i was assured of reversal of all charges in the next bill but nothing of the sort happened & now after accumulation of all late payment & annual charges also ( which was never confirmed by me) the figure of there collection keeps on increasing. I am ready to pay for any amount if i have used on the card but not any unreasonable charges. kindly help me in this situation as the harrasment calls are very abusive & regular daily.

I Had Been Told By HSBC Sales Manager about The Annual Fees , That Its Not Charged On My Card . I had Taken The Card In These Terms & Conditions . But Now They Are Like , Youl Have To PAy The Annual Fees & and Late fees Charges etc. Please Help Me On This Matter????

i m hsbc customer since last few years holding a gold credit card. in last months bill i have been charged 2k rs for anuual fees which i never been charged earlier after this 4 times service tax been charged i dont know why but its there in the statement when i call hsbc ph.lines than i didnt got any satisfieng reply from hsbc representative bcos he also did not have sufficient knowledge abt the same its shame on such a big bank which have millions of customer but have a very poor staff when i ask for clarification than hsbc representative said that he will make a reversal of the said amount which is 2000 rs as well as service tax also.
i want hsbc to take an action on above query make all the reversal of amount latest by tomorrow or i will be happy to discontinue services with hsbc bank.inst the hsbc bank.

To


The Manager cradit card devision
hsbc bank.

sir/madam
with kind request this is to inform you that i have make advanced payment of inr 40000.00 vide the cheque no 451552 and inr 50000.00 vide checque no 621034 towards your cradit card account but i was not used kindly refund my money by checque i have requested maney times but could not recieved.
kindly seriously look into the matter and make my pay order as soon as possible.


thanks

From: HSBC INDIA NET <[protected]@hsbc.co.in>
Subject: Your HSBC credit card***2416 and***0493 (KMM6593214I123L0KM)
To: "avadhoot roge" <[protected]@yahoo.co.in>
Date: Tuesday, 16 February, 2010, 1:32 PM


Dear Mr. Roge,

Your HSBC credit card 4476 XXXX XXXX 2416 and 4476 XXXX XXXX 0493

Reference Number [protected]

We refer to your email dated 15 February 2010 received through
[protected]@hsbc, regarding your HSBC credit card.

Our records reflect that your card ****8516 and ****8512 has been closed
with effect from 10 November 2009 and the replacement card ****2416 and
****0493 has been generated and the same are in an active state. Both
the above mentioned card accounts have zero outstanding balance in the
same. I have not asked for replacement of card i have cleared all the purchased due outstanding payments & had surrendered the card under protest for charging me illegally. When ever i speak to customer care they promise and reverse the same and again the same is credited and again debited in next monthstatement. I have already communicated to your chennai office in writting for the same.

For your card ****0493 we are not in receipt of any payment towards the
same December 2009 onwards. Hence incremental charges have been levied
on the same and we regret that we cannot arrange to reverse the same as
per bank norms. The current outstanding balance in your card account is
INR 2997.55. We request you to effect payment towards the same at the
earliest to avoid levy of incremental charges. I have cleared all the purchased due outstanding payments & had surrendered all the HSBC card under protest for charging me illegally.

In regard to the annual fee of INR 700 and INR 350 levied on your card
account on we regret reversal of the same as per bank norms. However we
are offering equivalent bonus points in lieu of payment towards the
annual fee levied in your HSBC Classic card statement. I am verymuch frustrated with the service offered by HSBC and for a customer associated with them from last 7years.and are in a no mood to be associated with HSBC for any other product.

For your card ****2416 also we are not in receipt of any payment towards
the same December 2009 onwards. Hence incremental charges have been
levied on the same and we regret that we cannot arrange to reverse the
same as per bank norms. The current outstanding balance in your card
account is INR 2165.83. We request you to effect payment towards the
same at the earliest to avoid levy of incremental charges.I have cleared all the purchased due outstanding payments & had surrendered all the HSBC card under protest for charging me illegally.

Please feel free to write to us for any further clarification.
Pls. take up the issue with your recovery agent and ask them to conclude the issue at HSBC end. also be informed any verbal abusement from your recovery agent will not be tolerated and the matter will be refferred to competent authorities at your cost and consequences.

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

Yours sincerely,

Ananyo Sen
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited
[protected][protected]-
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"SAVE PAPER - THINK BEFORE YOU PRINT!"

I HAD GIVEN PMS TO HSBC BANK THEY HAVE PUT ME TO HUGE LOSSES AND I HAVE TAKEN UP COMPLAIN WITH HIGHER AUTHORITIES THEY ARE NOT LISTENING THEY SAY WE HAVE CHECKED EVERYTHING IT IS OK WITHOUT LISTENING MY SIDE THEY HAVE TAKEN ONE SIDE DECESION. FURTHER I HAVE REQUESTED FOR PAPERS WHICH ARE REQUIRED FOR COMPLAINING TO RBI AND SEBI WHICH THEY ARE NOT PROVIDING NOR MY MAIL FORWARDED TO ALL HIGHER DEPARTMENT NONE CARED TO ACKNOWLEDGE.

Hi ,
i had HSBC Credit card [protected] in past year it was expired on march-2009, after that on March -2009 statement they charge Rs 700 for PRIMARY CARD MEMBERSHIP FEE , so had i denied to pay this fee and till that time i had not received new credit card and my past all the dues was clear so i have not paid March-2009 bill , then they send another Bill in April with late fee charges , at that time i wrote to HSBC customer care and also called them , but they replied to me that any how you have to pay these Bills then we will stop late payment charges, i asked them if i have not received new card and i am not using your bank services any more then why i have to pay these Bills , but they denied my all the arguments and refuse my complaints . After that every month they are sending my old card statement with these late fee charges.i haven;t checked any statement , but last week i applied for personal Loan with Citi , then citi inform me that some of the banks have logged complaints again you in CIBIL , so they denied my Loan , then i checked my HSBC account and i found Rs 3900 Credit card statements and all of them are late fee charges, So please suggest what i have to do , i want to go court against HSBC , because i have not used there services then why i have to pay false amount ?

Regards
Arvind Gautam

I was offered HomeLoan as SMARTHOME Loan scheme by HSBC in Feb-2005, with the Daily reducing Flaoting Rate Interest Rate.
The major benefits of the SMARTHOME Scheme was highlighted as Saving Interest and Tenure to Repay the Loan - by saving some additional amount in the Homeloan account. This reduces your total repayment amount - I had parked considerable amounts in the Homeloan account - but the Tenure Reduction as Highlighted feature of the Scheme was not offered - only the interest part some benefit was given to me.

At mulitple times - when approached the Bank - different answeres are given.
The most contradictory and surprising fact is now.....that
Bank rectified the error since 2009 April onwards and started passing the benefits - but Refuses to accept the error made and continued by them since Feb-2005 to April 2009.

This is nothing but commercial fraud and purley a case of cheating.

I need help to resolve this with HSBC Bank.

I have a credit card of HSBC for the last so many years and also maintaining saving account with the bank at New Delhi branch. Card No.[protected]

During the 2nd week of December 2009 I got a call from HSBC premium Circle branch and they offered me certain benefits under their Premium Circle programe. During the conversation the man on the line told me certain benefit given to me against payment of Rs. 6055/-. I told them that they should send me the details of offer in writing. They assured me that I will all the details of offer i.e list of destination under vacation offer , flight offer etc along with terms & condition of the scheme within a week time there after I can refuse the policy if I don’t find the terms suitable to me.

During the 2nd week of Jan-10 when I did not received my statement of account for the period 4th Dec-09 to 4th Jan-10 I contacted customer care and they told me that my statement has returned undelivered . I enquired where you have sent the statement. He told me the new address, which I never requested for change. Thereafter I requested this statement be sent again but I never got it, however I received this statement thru Email.

On checking the statement I found that A sum of Rs 6055/- has been debited to my account which I requested to reverse the same as I have not received any details etc along with other terms & conditions which were promised during telephonic conversation. I was told to write to Premium Circle thru email which I immediately did but I did not receive any reply. Thereafter I sent an email to HSBC at [protected]@hsbc.co.in and copy to Premium Circle requested for reversal of charges debited to my account. In reply to my email they advised me to write to Plat 5 consultancy Pvt. Ltd with full address for reversal, which I did immediately thru Email as well as letter thru Speed Post. Plat 5 consultancy Pvt. Ltd never replied my letter , however within 2-3 days I got one parcel thru courier which I have not opened. iF i HAVE KNOWN THAT THIS IS A THIRD PARTY ARRANGEMENT I HAVE NEVER ATTENDED THE CALL ITSELF.

I am writing again and again to HSBC and Premium Circle that since they have not provide me the details of the Scheme and the terms & conditions in writing as such accepting the scheme does not arise and they should reverse the amount debited to my Card but they have refused.

You are requested to help me in this matter as I have not accepted the Scheme without accepting the terms & conditions which were never provided to me.

With regards

Ashok mittal

1971 Sector –9
Faridabad

[protected]

Dear Sir,

My self SUNIL R. KOTURWAR have utilised the Credit Card of HSBC Card no.[protected] for period March2007 to Feb08 - In Feb08 Due to My road accident in Jan 2008 & insufficient financial arrangements. I have requested for Full & Final Settlement of Credit Card Dues. HSBC Credit Cards have accepted settlement vide letter no. FFS/W1/NG/NWO/CPD/18032008/SR dtd. 18.03.2008 - for Rs. 12000/- Due date of payment was 30.03.2008, I have paid full Rs. 12000/- on 24.03.2008 vide receipt no,AA0004738. against settlement letter.

After that there is no communication from Bank.

I am also operating the Savings Bank in HSBC, a/c no.[protected] This was Idle in between 2008 to 2009, Now in Nov 2009 I have started transacting and deposited Rs. 15000/-. Suddenly found that on 29.12.2009 HSBC tr. Rs. 9315/- from savings a/c to Credit Card payments for Card no. [protected], On my communication on phone & mails i come to know about the recovery of the amount 9315/- against credit card.

I have asked about why the recovery is made for settlement made credit card, on mail the reply come if the recoveries made erroneously, the same will be reversed, but, within frequency of 7 to 10 days HSBC tried to linger the matter & now, regretted to refund the recovered amount.

I have already provided the Scanned copy of Settlement Letter alongwith the payment receipt as per requirement of the customer services of HSBC credit cards, But still the amount is not refunded. Also the Balance for Credit Card is not withdrawn from the linked balance of my savings accounts.

Now may savings account shows negative balance Rs. 42663.42/- (as against recovery of Credit Card dues).

Kindly help me to clear the discrepancy created by Bank by & clear my credit records with CIBIL under this credit card no. [protected].

Also to recover the Excess amount recovered by Bank for Rs. 9315/-

As precaution i am not depositing any amount with HSBC savings account and not operating any transaction of cheques also.

Kindly help me to settle this account.

Thanks

Sunil Koturwar
C/o Sarvodaya Tailors
Dhanwate Chambers,
Sitabuldi, Nagpur
Pin - 440 012.
Mobile No. [protected]

it is in reference of a complaint number in hsbc cc division.
Complaint number I[protected]:

Dear Sir/Madam,

My hsbc card was wrongly charged by rs. 3035/- at Yuva motors, Faridabad which I haven't used. The card was in my possession at time of wrong transaction made. Transaction date 11 july,09.
I logged a complaint in hsbc customer care for which they sent me letter with above mentioned ref. Number. I have blocked the card.
Kindly help me get my money back.
Expecting a quick and positive response.

Warm Regards,
Akshpreet Sareen.
DM, HDFC bank ltd.
[protected]



KI+

Dear Sir,

I hold a credit card with HSBC bank and was a good customer . They have billed me with repayment protection fee for continues 3 months( around 500 per month) . No en quires with call center they said that they will reverse it .But even after continuous followups they have not done and stater demanding to pay total bill what ever delay payment charges added later. Last month i have settled the amount with 1500/-( Actual charged amount, and bill reached to around 7000/-) . But when i applied to standard charted bank credit card they informed me that my credit history is not good. This is really unfair.Please suggest me for proper justice so that same should not happen with any credit card customer.

Thanking you in advance,
Vamshi Krishna Vonna

I have taken the Credit card from HSBC and the Card is Closed since 2005 and i have settled the principal amount of Rs. 3505.98 approximately after paying Rs. 12000/- in or around August 2008 and the Bank have issued a NO DUES CERTIFICATE on the Letter Head of the HSBC on 12/8/2008.

But still the statement is coming to me showing the outstanding Balance of Rs. 121786.95 as on 4th Feb 2010 in which the Card limit has been shown as Rs. 18000/-.

I am enclosing the copy of the amount of Rs. 3505.98 showing as a outstanding amount.
Settlement Letter of the Bank on the Letter Head.
Credit Card Statement as on 4th Feb.'2010.

Further The Bank has been showing the write off amount of Rs. 1 Lakh around in CIBIL.
I request you to kindly look into the matter as soon as possible.
Regards
Kapil Mittal
[protected]@hotmail.com
Ph. [protected].