Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

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

Copy of the Complaint.


Sub : Loss of Cheque No. 243017 of Rs. 15,000/-
Ref : Hsbc Account no. –[protected].


I, Mr. Chirag Shantilal Kothari, aged about 31 years having place of office at 24, Kothari Building, Jakeria Road, Malad – West, Mumbai – 64., is a saving account holder of HSBC Bank with an Account No.[protected], which includes phone Banking and internet Banking...

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
>>

Hello sir,

This complaint is regarding the HSBC collection center. I have been getting real abusive calls from the bank's collection center (o[protected] & [protected]), for a card which is not mine and neither transactions done on it.

The calls became so abusive that I had to take the help of local police and most astounding fact was that the collection agent who was calling me changed not only his name but also the entire story in front of the police inspector. So now I am also not sure whether the card or the transaction amount actually exists.

Sir, please help me sort out this problem.

Dear Sir/Madam,
I AM AN HSBC CLASSIC CREDIT CARD CUSTOMER.MY CARD NO. IS [protected].SIR SINCE LAST 18 MONTHES OR SO HSBC IS SENDING ME THEIR STATEMENTS WHEREIN THEY ARE ASKING ME TO PAY FOR AN INTERNET TRANSACTION / PURCHASE WHICH I HAVE NEVER DONE.I HAVE ALREADY BLOCKED MY CARD AFTER RECEINING THEIR 1ST STATEMENT IN THIS REGARD AND HAVE ALREADY FILLED COMPLAINT WITH THEM BUT OF NO AVAIL.THEY ARE STILL SENDING ME THEIR FALSE STATEMENT AND MORE TO ADDING INTEREST @ 42% P.A.ON THOSE FALSE CHARGES.
KINDLY DO HELP ME IN THIS REGARD AND OBLIGE.
REGARDS,
VISHU D KAUSHAL
33,VIDYA PARK,AIR FORCE CENTRAL SCHOOL ROAD,JODHPUR-342011
(MOB NO:[protected])

After September 25th 2009, there were some transactions of about Rs.50,000 which has been done from my card. I informed the Credit Card deptt. as I know after the very first illegal transaction. I have filled all the dispute forms as asked by the service support center. The disputed amount took atleast 2 months to serve you. But before completion of two months, I am getting regular calls twice or thrice in a day for making a payment. I am now tired to give answers to collection department. Please do the needful.

To,
General Manager,
HSBC Customer Service,
Credit Card Services.



Subject: Prolonged delay in the credit card billing dispute resolution

Dear Sir,

I am disputing over the entire amount against my credit card which has rapidly mounted around the 9000Rs/- mark till date. I have been following up this case since October 2007 till date with minimal ‘CONCRETE’ response from the HSBC Customer Service department. Each instance I enquire for an explanation on the dispute (via email) , I receive an instant ‘Reference Number’ from HSBC. The reply to the dispute does not contain any kind of concrete analysis.
It all started from the month of October 2007 when I did not receive my statement for the month Aug – Sep 2007 at my official address due to some unknown reasons.But,I received a call from HSBC Collection department at Malad (West) Link road on the 3rd October,2007 requesting to make a payment of 4800Rs/- by the closing hours of 4th October,2007.We fulfilled this request on time & I am attaching a photocopy of the same for your review.From that month onwards we started receiving statement with Late charges,joining fees for the Primary & secondary card.I did speak to your office from Chennai & the executive promised me to reverse the late fees & other additional charges.But as you know,you speak to one person & next time the case needs to be explained from scratch.This process continued till I finally had to travel out of India.My card was blocked but still I was receiving the monthly statements.I replied several times via email & also requested HSBC to send an executive in person to settle the disputed dues during the specified time I would be in India.I did receive a positive response on email but no Concrete action.
This time I have lost my trust in HSBC & made a sincere effort on the 5th June,2009 to call the HSBC Customer Service Centre & settle this prolonged dispute once & for all. I was given different contact numbers. Finally, I spoke to a commanding Assistant Manager named Mr.Ajay Joshi on[protected].He assured me to retrieve the details of the pending payment against which I was accruing interest.Also,he said that if I fail to make a payment of 250Rs/- by the end of 5th June,my case will go to the legal department.I did make a cash payment as you can see in the supporting documents.As it was a old case,he said it will take 1-2 working days for retrieval of the data.I did remind him on the 9th June,but he said 2 more days.This added up to my frustration which compelled me in composing this letter.
HSBC being one of the most coveted & respected MNC Banking company in the
world, I wish to continue as a HSBC “satisfied” customer.Kindly investigate this dispute and provide me with a written analysis of the outcome.

Thank You for your time and attention to this matter.

P.S. AS THE CARD HAS BEEN CLOSED SEVERAL MONTHS AGO,I SHALL NOT ENTERTAIN ANY FURTHER STATEMENTS FROM HSBC HEREAFTER.ALSO,I SHALL NOT BE MAKING ANY FURTHER PAYMENTS TILL THE DETAILS OF THE PRINCIPAL AMOUNT ARE SPELLED OUT CORRECTLY.


Sincerely, Edward Fernandes
(HSBC Customer)

Dear Sir/Madam,

I am HSBC customer for the last 7-8 years and hold credit cards (Master and VISA). For major transactions within India as well as abroad, I prefer to use HSBC cards. I always keep track of my purchases and payments.

I had received a bill of RS.19,143.23 against my card VISA Card ending with 2356. Due to official commitments, I paid 2 days late. Since you have realized the money after the due date, in my current statement you have levied Rs.1552.35 as late payment charges and other charges.

Looking to my long association with HSBC and regular in payments in all my past transactions, I would be glad if you can reverse the imposed late payment charge and other charges including taxes of Rs.1552.35. The last date for payment is given as 16th January 2010.

Assuring you of prompt payments in future.

Looking forward to your reply

With Regards

K G Ayyar
[protected]

Hi ,

My father held an HSBC credit Card . He passed away on 25th of Nov '09 . he had dues of some 11000 odd INR . Not being too sure about the amount i paid 11k online . I had also explained the situation to the call center guy who had made a call to make the payment .
Once i recieved the next statement , i came to know that some 6-7 hundred INR was still left , These guys had put late paymentcahrge and service and finance charges and the amount of some 17 - 18 hundred INR .

I called uo the call center of HSBC thrice .Twice they hung up on me . Even after expalining the situation those guys came up with questions how can you forget the amount that had to be paid , not understanding that it was just few days that i had lost my father and still i had made the payments .

I dont think that i am liable to make any payments .Still i went ahead and made the payments . All they would do is black mark his name in CIBIL . anyways he would not be taking any loans or credit cards .

But i am amazed that even after being an MNC they operate like this .. It would be better to interact with a local bank . Atleast this kind of behavior is expected from them and hence it would not be a shock.

Regards,
Sheenam

Sir,

For some reason i did not pay the amount of HSBC credit card, i used approx 35000 (Thirty five thousand)

After 2 years they have chanrged 88603(Eighty Eight Thousand Six hundread and three)

i have paid this amount in aug 2009, But at the time of payment they told me , we will update the status in CIBIL with in 20 days

Today also they did not update my status

They sent No due letter to me

Can you suggest me how can i proceed legaally to update my status

Thanks

[protected]@hsbc.co.in , [protected]@hsbc.co.in , http://www.consumercomplaints.in


HSBC Credit Card



No Bills from 4 Months - Harassing by sms and phone calls. My credit card limit was 16000
Hi,

I am holding two HSBC credit cards no. [protected] (Primary &Sub) in favor of shishu pal Singh & Roshni Yadav I didn’t receive the bills from
Aug’09. And now they accumulated the interests and service charges and everything and made a big amount. Two month back they sent me a sms asking to make payment before they will file a case against me for which I replied back asking how much is the amount. I can’t pay without sending bill for 4 months.
I didn't get any reply. I got the call & sms from HSBC after one month and the first sentence they told me. You will have to pay amount charged by us.
Without intimating what and details. I told you people didn't send the bill and accumulated the amount. I will pay the amount I used and little more. They asked me to pay highly charged. I told I pay 14600 & interest /- it is my full & final amount on closing time & telephonic discussion I used if okay come and collect money immediately with NOC & full & final they told we will get back to you. But I didn’t receive any call from them and suddenly I called him for outstanding & bill “somebody replied me the will sent all bills in email ID provided by us. They keep on harassing. I didn’t want fraud. I called many times but unfortunately call disconnected by executives. They didn't reply. I am unable to pay bigger amount. Please save me from bank harassment.

In these words my intention is settlement not complain

your co-operation will be very highly appreciated in this regards


Thanks

Shishu Pal Singh
Mob - [protected]
Current Address. U-64/14, Ground floor, DLF Phase – III, Gurgaon (H.R)
Please avoid all previous address.
Credit cards no. [protected]