Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

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].

On 9th February 2010 I received a call from a Chennai Airtel Landline number 42968930 informing me that I have a credit card with HSBC since 2002. It was news to me since I had never applied for any credit card with that bank nor did have any type of dealing with the bank. Though I was telling him continuously that this is a clear case of fraud, he was not willing to listen and was threatening me like people will come to your house, we will send a legal notice to your current employer etc. When I asked him as to when the card was issued, he said 22nd May 2002. The great irony is I was not in India from Jan 2002 till 2008. The other news he gave me was that I had once made a payment for the usage of card. I could not help laughing. I have called up HSBC and given the details. Does anybody have such an experience. I am writing this on 10th February 2010 and have not heard anything from HSBC officials.

Respected Sir/ Madam,

My name is ajith was working for Software company. I am using HSBC credit card form last 4 years. I have did more then 3.5 lacks of transaction. My relation is going well until i come to know the second face of credit cards. when i came to know the shocking news about credit card i stunned. They taken out my peace...
Due to urgent personal commitment i have purchased Rs 95,000/- from my HSBC card last Aug 2009. Then my bad time starts. Each day they calling and asking me to pay the same. Unfortunatly due to crisis i ask to leave the job. I was jobless and one side the CC tourchure. I was helpless... I requested them to give me couple of months time but they insisted. Finally Dec they forced me to do the settlement of 59K.. But i was not having that much money with me. OneThird Settlement Execute called from Mumbai introdued him self Dinesh(Mobile Number:[protected] and asked me to pay Rs 46,000/- And he will send the settlemnet letter to my address. As per his promise i asked 3 weeks time and i adustsed the money with all my assets and i thought my harrasemnet will be geting over. Atlest peacefully i can sleep. I have done the payment on 4th Feb 2009. Once the payment is confirmed the person is not sent my Settlement letter. He is not picking my call.. If i call to his number through other mobile he will pick and as he come to know its me he will Drop the call..and he dont pick the call from that number.

Sir.. Please help me how can i get my settlement letter. If i got cheated by him how can i allert perople like me ( I dont want to get cheated). I agree i dont have any proof But i hope there will be record of the calls whatever he made me..

I am now fully colapsed with tension without any job I feel like madneness.. Can you please suggest me how to go about it. Any contact person and Mails from any higher officer i sent but No response.
I got frustrated with HSBC customer care tourcher. The mental egony the pain and the sleep less night i spent i cant expresss. I am in huge depression because of this.

Regards
Ajit

Hi,

HSBC is offering credit cards to customer but it is not providing in Branch Customer service neither is providing any Toll Free number in case ( though many ) of any complaint. When asked about the same they say to speak to the phone banking officer on phone provided in Branch.
They are also charging 100 Rs extra for making credit card payments in cash.

I feel this is wrong mean of making money and harrasing the card holder as we have to pay for visting branch just to speak to the phone banking officer to get so idea (not resolution) on credit card issue.
If we are making cash payment then why we should pay 100Rs extra. When asked they say this is Bank procedure.

I think if a bank cannot provide in person customer service then they should not be allowed to provide such service at all and should be fined accordingly for cheating cutomer as it was not mentioned in the application that if i make payment in cash will be charged 100 Rs extra.

I wish some serious action should be taken against banks to protect customer who is most of the time helpless and have to pay whatever bank charges.

Hi,

I had HSBC Gold Credit Card for almost 18 years and i had been a very good with the payment, until 2 years, I had major financial problems and i went in for a settlement for the credit card for an amount of Rs.80,000/- and i made a payment of Rs. 60,000/- towards the settlement letter and another 20,000/- after the due date. Unfortunately for my bad luck, i met with an accident (shoulder fracture) and i was completely down at home for 1 years, because of non-payment of balance amount, my credit card settlement as been reversed. Last year, i received calls from call center. When i mentioned the issue and told them that i had made the complete payment, they told me that it is not settlement and if i make a payment of Rs.5,000/-, i will receive a settlement letter in 3 days time, for which i made a payment of Rs. 5,000/-. I made the recovery agent to write on the receipt mentioning about the details, which he did. But unfortunately till today, i have not received the settlement letter. Till today, i have made Rs. 87,400/- towards the credit card. Now, suddenly since last 1 month, they have started to call me up and say that there is a balance of 3.25 lakhs towards my credit card and i need to make the payment. I dont know what to do. Would you guys let me know in details, what are my options and how i can solve this problem.

Regards,

Venkatesha Munivenkatachari
venkatesha.[protected]@gmail.com

Hello,

This is in reference to the letter dated 22/01/2010 issued in favour of account # 000000003035943434872 for an overdue payment of INR 19,956.00.
Name on Account: Sunil Kanodia

Can you please make an effort to explain me how a post dated cheque already issued in favour of HSBC bank and in HSBC's possession be overdue? Since the cheque is already with HSBC, why did your officials not deposit the cheque in time?

I have received numerous number of calls asking me to send a cheque of the above mentioned amount since it seems that there is an overwriting/misspelling issue in the previous cheque issued by me. Can you please explain how did HSBC make a decision on this rather than depositing the cheque and letting my bank(State Bank Of Indore) take the decision whether the cheque would be cleared or not? What is the reason behind not sending my original cheque and asking for another cheque? Why is it not possible for an international bank like HSBC to send me a VOID copy of the cheque back to me and take the new cheque?

Also, even if the cheque has a spelling mistake why did HSBC not deposit the cheque when I clearly mentioned to all the representatives I have spoken with in the last 10 days spending more than 16 hours of my time that any charges that may incur if my cheque were to bounce would be solely my responsibility? How difficult is it for your representatives to understand such clear instructions and stop harassing a customer who has been continuously making payment for more than 2 years without any bad credit history? Also, when your agent took the cheques from me 2 years back why didn't they make a complete survey of the cheques making sure that they were clean from any mistakes?

I have included CIBIL in this email communication to maintain a record with them as per your mention in the letter about my credit history being emailed to them.

Please revert back with appropriate answers helping me understand HSBC's policy in this matter. I would again suggest you to deposit my cheque # 723566 drawn on State Bank Of Indore and let them take the decision whether the cheque has any issue or not. If this is not possible then send me the original cheque or a void copy of the cheque to obtain a new cheque from me. Also please make a note that I won't be liable to make any late payment charges if you fail to reply in time since if the cheques are in HSBC's custody it is your responsibility to deposit them in time.

If I am still harassed by your representatives, I would be forced to file a lawsuit against HSBC to protect my human rights.

Thanks,
Sunil Kanodia

I had been using Hsbc credit card 4384..........96 for almost 3 years (with No Annual Fee) without any problem & I was quite happy with Hsbc's service.

Problem started when I received an additional credit card (4384..........51) in Sept06 & I was told that this is also free & no need to pay annual fee. I didn't want this card hence I didn' use it at all but Hsbc sent a monthly statement stating annual fee & service tax. I called their helpline and they assured that I will not receive any further statements with late payment. But I got the statement with these charges in next month & so on with same charges. It continued for 3-4 months during which I again called helpline to remind them but in vain. I continued using my original card for some time & then discontinued it later & there is no outstadning.

Now after almost 2 and half years I started getting calls from Hsbc Delhi for clearing so called outstanding of Rs. 23000 odd (piled up due to late payment fees). Delhi people are calling like crazy & literally harassing me & my family members for wrong outstanding.

Today when I called to their Mumbai helpline to sort out issue they asked me to call on [protected] where I talked to somebody Praveen who was very rude & was not ready to hear me. He had no reply to my below questions,

1) How can Hsbc charge for the card sent without asking me?
2) Why Hsbc is charging (fees & taxes) for the card which I never used?

I would like to request Hsbc to stop sending the wrong starements & remove so called late payment & service tax charges. I reiterate that I enjoyed using my first Hsbc card for 3 years but Hsbc lost a client like me due to wrong approach to earn profits by sending me unwanted additional card.

I dont mind start using Hsbc card again if charges are removed.

I had credit card no. [protected] of HSBC Bank. I received this card in the month of January’2007. After getting the card I had not received a single statement. When I made my first transaction on this card I was unaware of Billing date and due date. After some days I enquired about my due date from customer care, then I came to know that I’m late, due date of payment was overdue. I paid the amount of my transaction immediately by cheque no. 936836 drawn on Bank of Baroda, which was cleared on 06.12.07. After payment Bank made a call for late fee and interest charges, I told them that I was not aware of my due date that’s why my payment was late and I requested to waive these charges. I told that not providing the statement at right time is your fault, so I’m not liable to pay any unfair charges. But Bank increased that charges every month. I sent my card back to you. Then I received a call from your Head office that I waived all charges levied on you and now Bank send a new card to you please use it as new card. I received a card again in the month of February’2008 and made a transaction of Rs. 20000/- and paid by Cheque No. 949328 drawn on Bank of Baroda which was cleared on 05.04.2008. I paid my dues before due date. After the transaction I received my first statement in which all old charges demanded again, I did not paid that unfair charges and same as previous charges increased by time. Finally on 25.09.2008 I cut the card in four pieces and sent it again after writing many letters to the bank. In the month of February’2009 I came to know that my CIBIL profile has been made negative by the bank. Bank told me nothing about this. Please solve this matter as soon as possible.

Hello Sir/Madam,

I am Mr. Mangesh Shingare & my HSBC Card No. is 4476 xxxx xxxx 1915.
I m using this card for last 2 years or more.

I was regular payer of the bills of my all cards including ICICI, & HDFC also which i am using till now.

I had not received the bill statement for HSBC since November 2008.

After that neither I used this card nor I received a bill statement for the same.

Then I got call from payment recovery agency of HSBC bank on 2nd weeks of November 2009 when I was in Delhi.

That lady from the payment recovering agency told me that my payment of HSBC bank is pending for past one year.

She also had a track of my HDFC card payment. She found that my HDFC payment is going regularly but HSBC payment was due for one year.

I told her that I have not received the bills. Moreover I have not use this card for more than 12 months.

I check my details of that particular month from her. I came to know that Rs.1800.00
was pending in the month of November 2008 as the final installment of insurance policy of TATA AIG.

Then she offered me a the settlement of this card at the payment of Rs. 2,525.00.
As I was in delhi, it was not possible to collect letter from her.
I asked her to send the SMS confirmation that my card due will be Nil & card will activated if I will make a payment of Rs. 2525.00 for this card.

She sent me SMS & I asked my office assistance to make the payment of Rs. 2525.00 to HSBC bank. I have done the payment on 15th November 09 & which got credited to HSBC bank on 18th November 2009.

One month after the payment, I started receiving call from HSBC call centre for minimum payment due. I called the payment recover agency & concerned person told me that in the next month my card will be settled to nil as my december month bill was generated on 16th November 09 (My payment of Rs. 2525 was credited on 18th November).

I was waiting for the same. After a one month, there was no change in my card bill statement.

Customer care person of HSBC keep on calling me every day. I sent them all details.

I have given them the phone no of that agency & cell nos. of that concern person.
But, HSBC customer care officer told me that they can't consider this as settlement as I don't have any letter from HSBC.

Now, I need following clarifications from bank:
a. I don't have letter, but I have SMS from the cell no of payment recovery agency. HSBC officers are calling everyday. But why can't they make a single call to the agency to whom they have given authority to follow up with the people to collect the payment?

b. After 1st January 10, these bank officers are calling me every day. But why was there no phone call or payment reminder on my cell from December 2008 to December 2009. Are they waiting for reach late fee & finance charges to Rs. 6000.00?

c. Is it the new way to cheat the customer? 1st of all don't deliver the bills to that address for many month. Then make settlement through the agency with false promises. After that harass the customer on technical reason & ask them for one more settlement?

I even told them that if I had to cheat them then I would have spent Rs. 25000.00 & not just Rs. 1,800.00.

I have sent nos of email to HSBC customer care & HSBC nodal officer. But there was no proper reply from them.

Today also I phoned the agency before writing this mail. But that lady was on leave for the day. Her colleague told that the card will be settled if I have paid the amount told by her.


What are the legal procedure I should follow?
To whom I should sent the notice?

Kindly sent your suggestion or advice.

Regards,
Mangesh Shingare

I have a credit card of hsbc for the last three years. Till date i have not defaulted in payments for the amt which i have used. I pruchase some item and convert the same into EMI and pay the amt every month promptly by cash. However I had to go out of station for my office purpose and I have asked my friend to make the payment till november What ever the amt that i have to pay I used to get SMS and the due date and I paid the amt promptly . In december when i went to make the payment I saw that hsbc is charging cash payment for credit card of rs 100.00 which was a shock to me. when i checked with the call center and checked my statements i have been charged for 4 times of cash payment charges. I have clearly informed that i was unaware of this and have asked for reversal( which was for the first time in this). they customer care executive including the service manager were very rude and did not even bother to understand the cm situtation but only kept on telling that they cannot reverse the amt. they never tried to understand my situtation. Pl help and make sure that the officers first understand the cm situtation and then act

Dear Sir,
mere paas hsbc ka classic credit card hai. jiska no.[protected] Manish Saxena ke naam se hai jiski due date 28th of every month hoti hai.
last 4 / 5 month se main cheque 18 ya 20 tariq ko hsbc bank ke Barakhamba Khamba road branch main drop box main dalta hun . magar mere a/c main cheque present 4/5 tariq ko hota hai . jiske karan next bill main late payment charge add kar dete hai . request karne par ek baar late payment reverce kar di magar ab har month
aisa hone laga hai . custumer care main call karne se kehte hai cheque ki stop payment karwa kar cash deposit karwa do.Sath hi cheque pick up charges bhi laga dete hain. custmer care ka no. [protected] bhi nahi milta

>>
>> Respected Sir/Madam,
>>
>>I have the following queries regarding the card issued to me on 7 th
>>December.
>>
>>I had been a customer for HSBC Gold Credit card for the past 6 yrs.
>>
>>
>>I am having serious problems and concerns over the card delivered to me
>>on 7 th December .
>>1. I had received a courier from Blue dart on a Plain blue cover
>>without any seal of the bank any prior intimation to the card holder .
>>2. Despite o[censored]pdating my secondary address so many times, the
>>Anonymous blue cover that reached me had a false second address
>,without
>>the From address on it.
>>3. It was an Unsolicited (renewal) card sent to me without any
>prior
>>notification. Neither I requested for a renewal card.
>>4. The card was in activated state without the approval of the card
>>holder.
>>5. The cash limit notification was sent to me on 20 th nov thru SMS
>>.
>>6. When there was an increase of credit card Limit , the increase
>>was also done without my notice long time bank.
>>
>>
>>I felt the bank HSBC has not followed any of the rules mentioned below
>>while delivering this card to me. Please let me know if there is any
>>other rule I have missed out or not valid in my case.
>>
>>Now as per the RBI guidelines (In italics )
>>
>>According to the rules of the RBI ,
>>
>>In RBI/[protected]/100
>>DBOD.FSD.BC.23/24.01.011/2008-09
>>
>>3. Issue o[censored]nsolicited Cards
>> Attention of banks is invited to paragraph 6.1 (a) of the Master
>>Circular on Credit Card Operations of banks dated July 1, 2008 wherein
>>banks have been advised that unsolicited credit cards should not be
>>issued and that in case an unsolicited card is issued and activated
>>without the consent of the recipient and the latter is billed for the
>>same, the card issuing bank shall not only reverse the charges
>>forthwith, but also pay a penalty without demur to the recipient
>>amounting to twice the value of the charges reversed.
>>In addition, the person in whose name the card is issued can also
>>approach the Banking Ombudsman who would determine the amount of
>>compensation payable by the bank to the recipient of the unsolicited
>>credit card as per the provisions of the Banking Ombudsman Scheme, 2006
>>i.e for loss of complainant’s time, expenses incurred, harassment and
>>mental anguish suffered by him. Further, there have been instances
>where
>>unsolicited credit cards issued have been misused before reaching the
>>person in whose name the card is issued. It is clarified that any loss
>>arising out of misuse of such unsolicited cards will be the
>>responsibility of the card issuing bank only and the person in whose
>>name the card has been issued cannot be held responsible for the same
>as
>>indicated at item (4) – Column (4) of the Annex
>>
>>
>>
>>
>>RBI/2008-09/39
>>DBOD.FSD.BC.6/ 24.01.011/ 2008-09
>>Master Circular - Credit Card Operations of Banks
>>
>>
>>6. Protection of Customer Rights
>>Customer’s rights in relation to credit card operations primarily
>relate
>>to personal privacy, clarity relating to rights and obligations,
>>preservation of customer records, maintaining confidentiality of
>>customer information and fair practices in debt collection. The card
>>issuing bank/NBFC would be responsible as the principal for all acts of
>>omission or commission of their agents (DSAs / DMAs and recovery
>>agents).
>>6.1 Right to privacy
>>a. Unsolicited cards should not be issued. In case, an unsolicited card
>>is issued and activated without the consent of the recipient and the
>>latter is billed for the same, the card issuing bank shall not only
>>reverse the charges forthwith, but also pay a penalty without demur to
>>the recipient amounting to twice the value of the charges reversed.
>>b. Unsolicited loans or other credit facilities should not be offered
>to
>>the credit card customers. In case, an unsolicited credit facility is
>>extended without the consent of the recipient and the latter objects to
>>the same, the credit sanctioning bank/NBFC shall not only withdraw the
>>credit limit, but also be liable to pay such penalty as may be
>>considered appropriate.
>>c. The card issuing bank/NBFC should not unilaterally upgrade credit
>>cards and enhance credit limits. Prior consent of the borrower should
>>invariably be taken whenever there are any change/s in terms and
>>conditions
>>
>>Now After receiving the anonymous courier I had kept it in my drawer
>and
>>due to my busy schedule I really did nt bother to open the cover as I
>>was had not requested a credit card from the bank . I simply ignored
>the
>>cover and placed it in my drawer.
>>
>>
>>After a weeks time I received a call from the customer care that there
>>were Illegal transactions that happened during the card lost time. Only
>>then I checked with bank to find out the courier I received was a
>credit
>>card and by the time I could block the card a huge transaction has been
>>made on this card. Yes Someone has misused the card.
>>
>>The transaction details are mentioned in my attachments.
>>
>>I am a credit card holder of the most privileged bank of the world from
>>2004 , I ve been using this card since then maintaining a good history
>>.Since then I ve not experienced such a bad incident.
>>I ve already filed an FIR regarding this. I am also attaching the FIR
>>COPY along with this Fax/Mail .
>>
>>I am serious about the wrong transactions that has happened during the
>>loss of the UNSOLICITED renewal card sent to me.
>>
>>And I will not be liable to pay this Huge transaction amount.
>>When the transactions had happened I was very much present at my office
>>, and the signature done for any approval of charge slip does not
>belong
>>to me.
>>I am ready to take up any legal proceedings, to avoid this liability .
>>I will also forward this as a complaint to the Banking Ombudsman if
>>required. However I will be paying the outstanding amount for other
>>valid transactions done on my old card the year end .
>>
>>I request you to forward this issue to the concern department so that I
>>don t get any calls for these transactions, from the bank as I am not
>>responsible for any of the below transactions done.
>>
>>Also , The customer care , division of HSBC gives wrong information and
>>they say that I am liable for any transactions and they did not even
>>give me a proper guidelines like “To File FIR”.
>>
>>They simple had to say one thing “ You are liable for any transactions
>>made before the report of lost card.” If I am not freed from this
>>liability I am ready to go ahead and file a suit for the above reasons
>>against HSBC.
>>
>>I am disturbed mentally and psychologically because of this huge
>>transaction done on my name .
>>
>>Hence request your intervention in solving the matter ASAP
>>
>>Attached is my credit card details
>>Name : Manikandan B
>>Old Card no : [protected]
>>
>>The fraudulent Transactions
>>
>>18 Dec 2009 1,61,690 rs Srinidhi Jewellers Bangalore .
>>[protected] 300 rs Mysore time , Bangalore
>>[protected] 1995 rs Mysore time , Bangalore
>>[protected] 158 rs Total hyper market –AIR Bangalore
>>
>>I request that HSBC credit card department to give full co-operation in
>>the inquiry by the police and not to call me any more for payments
>>regarding the above transactions.
>>
>>
>>Thanking you
>>Manikandan B
>>