Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

HSBC Credit Card — No statement, finance charges and late fee

in dec month i did't get neither physical statement not SMS msg. on next- day of due date a representative called me and said about the dues and said, we are sending our person to you do not deposit cheque because cheque collected in thay way take time. i gave check on 7th, but cheque was cashed on 13.

so they have charged me finance charges and late fee more then Rs-1000
i called the customer care. the person said we can only reverse the late fee not reversal.

i have to pay finance charges of about Rs 800. why should i pay. for that.

HSBC Credit Card — Levy of late payment and finance charges

I am an account holder of HSBC for the past 18 years or so. I also availed of a home loan from them which has been closed now. For the past 15 years or more I have been using HSBC credit cards very extensively. Some years back I was offered two gold cards- one master and one visa along with two additional cards on both. All four cards have been used extensively by me and full payment made on each bill within the due date with no record of default. I received the MArch bill for one of the cards which was due on 13th April., I have deposited a at par cheque for the entire amount of Rs 33, 570 on 11th April in the HSBC ATM. With several bank holidays in early April, the cheque was realised only on 15th April by HSBC. On my next bill on the same card I was levied a finance charge of Rs 750 plus service tax and two finance charges 668 and 3040 plus service tax on 21st April although full payment was received by them on 15th April.

On follow up they reversed my late fee but was adamant in reversing finance fee and happy to cancel all my four cards, though I was billing a huge amount on all the cards and making full payments every month for several years. My last bill on all cards put together was in excess of one lakh. This shows they have no customer service attitude for non defaulting customers. Now I have no option but to close my savings account as well as my investment portfolio with the bank

HSBC Credit Card — Unnecessary finance charges levied on my card

Hi,

I paid 140/- short of 28341/-. That is i paid 28200 well before due date. for that i was levied finance charge of rs1600/- which is ridiculous by HSBC Bank. Please register complaint against HSBC Credit Card.

Regards,
Sasanka

HSBC — Levy of late payment & finance charges

Register here or mail us your Complaint at [protected]@consumercourt.in .
Mobile Credit Card Consumer Court > Financial Services > Loan > Credit Card
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Levy of Late Payment & Finances Charges

[protected][protected][protected][protected]
I am an account holder of HSBC for the past 5 years or so. I am using this card from the past 5 years or more I have been using HSBC credit cards very extensively..The card was extensively using by me and full payment made on each bill within the due date with no record of default. I never received any statement from the last 5 years and am paying the amount which bank people told me and some time they send there man for payment but after paying the amount is still stand there every time they charged interest from the last 6/7 months am nt swiping the card for any purpose am just paying without getting any statment from them but the amount is still there.

On follow up they reversed my late fee but was adamant in reversing finance fee though I was billing a huge amount on the card and making full payments every month for several years. This shows they have no customer service attitude for non defaulting customers. Now I have no option because I dont hv too much money to pay them because they are showing every time the same amount so pls take care of this and do justic for me am very thanksful to you.
Neelam Misra
[protected]@yahoo.com, [protected]@rediffmail.com


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I am an account holder of HSBC(Card No. [protected]) for the past 5 years or so. I am using this card from the past 5 years or more I have been using HSBC credit cards very extensively..The card was extensively using by me and full payment made on each bill within the due date with no record of default. I never received any statement from the last 5 years and am paying the amount which bank people told me and some time they send there man for payment but after paying the amount is still stand there every time they charged interest from the last 6/7 months am nt swiping the card for any purpose am just paying without getting any statment from them but the amount is still there.

On follow up they reversed my late fee but was adamant in reversing finance fee though I was billing a huge amount on the card and making full payments every month for several years. This shows they have no customer service attitude for non defaulting customers. Now I have no option because I dont hv too much money to pay them because they are showing every time the same amount so pls take care of this and do justic for me am very thanksful to you.
Neelam Misra
[email][protected]@yahoo.com[/email], [email][protected]@rediffmail.com[/email] Smilies

HSBC-Credit card — IRREVENT CREDIT CARD MESSAGES

Sir,

This is to inform that I have been receiving creditcard statement messages on my mobile [protected].

The latest message received reads:

"Dear customer, statement for your creditcard ending with 3633 has been generated.Totalpaymentdue on 01DEC09,Total payment due Rs.349097 and Min payment due Rs.349097"

Iam not at all a creditcard holder of your bank and therefore should not receive these messages.Therefore kindly rectify the mistake and send the message to the actual credit card holder.
Complaints given over telephone earlier to your Local Branch could not rectify the mistake.
Awaiting your reply.

SAYEEDUL HASAN

dear
iam also victim of the same.

HSBC Credit Card — Finance charge levied

Hi

Extra finance charge for over Rs 1000 has been levied on my HSBC credit card even though the payment was done to on last date via check. Their argument is "check takes time to encash and it's been told to me earlier".
Firstly, It is nowhere mention that I can't pay by check on last date.
Secondly, They did the reversal in the past making a precedent against their argument.
Additionally, their net banking wasn't working earlier due to problem in their OTP device.

Even after repeatedly calling and conveying the inaffordability of their charges, they are adamant of their charges. I have 4 yrs of banking relation of them, which I would snap immediately. I am making the current payment sans the finance charges. I won't be paying them any finance charges and charges on that amount subsequently. Please interevene I am really scared of their recovery agents. Please note they are doing this to their ex employee, I am really concerned about the common people.

pf declined

Hi...i was working in hsbc for seven years. After i left my pf form was submitted from hsbc. Bt when i check the atatus af my pf it shows that it is declined.my pf account number is APHYD[protected]. Thanks Shalom

HSBC Credit Cards — wrong billing

Dear Sir,

Its very much disappointed from your side. that today I recived a sms from HSBC Bank stating that there is a outsstanding of Rs. 1263.78 on my credit card and I need to pay that amount by 02-Aug-08

But you will surprise to hear that, I m not using any credit card of HSBC Bank, last year I applied for the same, at that time my address was changed due to that I did, nt recived my credit card, So I called HSBC Bank Credit Card call centre @ 23739696 and they blocked my card

and, now again whn i call in your esteemed call centre first executive Miss kenjal picked my call approx 02:00 pm(16/07/08), she listed my query and asked me that she would transfer my line to cancellation department for the same, but after 15-20 minutes there was no reply, so I dissconnected the call, again whn I caklled some guy name rajeev picked the call again this time he discoonected my call with in 2-3 minutes without resolving my query

again on 02:17-18 pm i called 1 gal name tapasaya picked my call, she give me surity that she will reverse my amount and handled my query in very well and systematic way

my details are following, kindlly give me a confirmation that my amount is revered on urgent basis

name : atul nagpal
old address : J-66, south ex-1, new delho-49
mobile no. [protected]
new address : A-25, okhla Ph-1, new delhi-20
credit card no(which miss tapasya gave me) : [protected]
card blocked on : 16/Jul/08, 2:19 pm

Kindlly confirm the same on urgent basis, otherwsie i need to take somne strict action against this

Regards,
Atul Nagpal
[protected]

HSBC Credit Cards — Collection calls without holding a credit card

I have been receving collection calls from HSBC bank regarding a card that was issued to me. They are providing incorrect details and wants me to confirm my details. When advised that I am not the right person and dont know how they have my phone number. The rep on the other side started abusing me and giving all kind of threats.
I think the bank needs to vrfy the details using the date of birth so that they can get to the right person.

HSBC Credit Cards — Mismanaged Services

I had a dispute with HSBC Bank Credit card for the false Cash Back Commitment, but they never entertained the same. They keep on imposing pressure on me to clear their dues, which i refused to pay until my dispute is resolved. Getting too much fed up with the things I finally decided to go for settlement.

I got a settlement letter from Bank in which settlement was going on for Rs. 6000. I did paid this amount on 11th December against the settlement.

But till now I have not received any confirmation from HSBC. I have also not received Zero Balance Statement as mentioned by Bank.

When I asked bank about this, they said they never went for the settlement kind of thing. This is really bad on bank's part. I guess i should now go to consumer court for the same.

I have a letter in my hand for settlement issued by bank, but bank is saying that they don't have any information.

I can be reached at[protected]

HSBC Credit Card — HSBC wrong billing

Dear Sir,
Credit Card account no: [protected]

I am a very loyal customer of HSBC credit card for more than 4 years. I have been very regular in making my payments. In the month of Aug 2008, i received call from HSBC call centre requesting me to transfer the Credit card balance of any other bank to HSBC. I transferred ICICI credit card balance to HSBC for the period of 6months.
I was regularly paying my outstanding to bank till Oct 2008, but suddenly my card was deactivated and reason told to me by your customer service executive was there was error from the banking staff, and I will have to pay my remaining outstanding of INR 7020/- immediately.
Hence i requested them to reactivate my card, but till date my card is not reactivated, now I have stared getting threatening mails that I will be blacklist . Now they are also unable to tell the reason for card deactivation. My question to you is : “Why is the error of your banking staff, not been taken into account, and a loyal customer is penalized for same.”
Please look into the matter, as I again repeat that I am ready to pay the outstanding dues, but want to know why my cards was deactivated?
This is last communication with bank.
Regards
Chandrakant.

gold creditcard — credit card extra charges

Hello Sir,
reference to comment from site i m sending my credit card no [protected], where bank charge me extra amount when ever i received bill i pend it before time but because of your
courier delay company charge me late fee amount . and again in feb month i have not purchase
any thing but i receive bill along with previous late fee amount. kindly settle my account for further
transaction it is creating problem to use icici bank credit card. kindly inform me on above email id
or [protected]my mobile no.


thanking you.

HSBC Credit Cards — Threat over phone without listening to my cause and neither sending any intimation to my Kolkata address

I am having this card for few years. Besides this we also had number of other relations with HSBC. Inthe month of April 09 I last spoke to somebody over phone from Bank may be Mr.Rajiv or so and intimated him my worst financial condition. In short since July 2007 I am facing tremendous financial crisis and along with my family of me and my wife with 2 children are in a very bad condition. I was jobless. After that I have also posted letter to HSBC via regular mail as well as through their collection represenattives and we need cooperation from the bank with regard to time for repayment. As I am trying frantically at this hour of recession and that too at this age of 40 to find a job which is very important for our survival and also slowly regain the strength to repay the dues. In the meantime I came for job searching in Bangalore last month and my wife along with my kids are still there in Kolkata, anybody can contact my residence and there is no hide and seek about it. Yesterday somebody rang me up from Kolkata threatening me that if by today afternoon I am not depositing 94000/ to the bank I will be taken into custody. Then I called him up twice and explained him my present situation and also intimated him that there is almost an arrangement at the verge of completion with reagrd to my livlihood and asked for cooperation. Even I explained him that see if I am taken to custody as I have no assets not only my family will be finished but also the chance of banks recovery would be over. But he refused to hear to me, e only said that by tomorrow if you pay 45000/ one go it will be over, I explained him rather requested him to convey it to bank my prsent incapability. Then after I arranged for some borrowed amount of Rs 5000/ for my wife so that she can deposit the same to HSBC my card account today, this I did just because I got almost an assurance of a job here in Bangalore. Then I called that number[protected], and tried to once again plead to that spokesperson to accept that payment and give me time so that again by next month I can make payment and so on settle the dues. But he refused. Instead he told me keep that money with you it will be of your help for fighting the case.
Now my question is what about humanity from the bank, what about my worst financial condition and what about my gesture of starting the repayment and also getting the chance to survive. I question the bank that if they take me into custody will the purpose of the bank be fulfilled. What the bank will get in finishing me and my family. Even I have told bank to send representative and get the clear picture from my house and even the shop which we have in Kolkata in almost dead condition and judge the seriousness of the situation. Still I am sure that Bank will realise my genuinity and help me and family to survive and thereafter get the cahnce to repay my dues. I honestly and genuinely plead before banks authority to help me out. I am confident of turning round and I commit to make payments in installments to bank from now on as I am getting a job.

HSBC Credit Cards — Account Settlement

I have a credit card with HSBC. I have been paying on time however recently I lost my job and due to recession I am unable to find another, so I am going out of the country to search for a job. I requested HSBC to close this account as I can;t pay anymore but they are continously adding interest and calling me. I cannot pay anymore. So please close this card.

HSBC Credit Cards — Balance Transfer - Hassles and harrassment

The history of my case goes like this.

I requested for a balance transfer from HSBC towards my CITIBANK credit card in the month of November-2008.

The request was raised on Nov[protected]as per the statement) for an amount of 22, 000.00 INR for six months plan.

The same amount was debited (along with the processing fee and the eligible taxes) onto my card.

The check for the mentioned amount was issued in the name of my CITI card as per HSBC updates, but the amount never got credited to my CITI account.

Still, as a faithful customer, I made 2 consecutive payments of 2K each, hoping that amount would be credited to CITI account.

As a result of my sincerity, I was being charged by both, HSBC and CITI, so I made the payment of total outstanding on CITI and I stopped making further payments on HSBC, as the amount in question was never used by me. I made several calls to HSBC reporting the situation, but all in vain. Pissed off with the situation, I stopped ma, king calls, hoping that after some 3 or 6 months, the check would automatically get cancelled, and HSBC will have their money with them. Meanwhile, I kept getting calls from their collections department who kept asking for payment towards the outstanding, on which even a fat interest had accrued. I again took time and pain in explaining the situation to them to which they assured me of appropriate response and resolution.

Now, after almost 9 months of this torture, I'm being tortured even worse by HSBC's recovery department, who (some guy named Tarun) are threatening me of legal actions, in case I fail to pay the sum.
So, in summary, I'm being traumatized to pay a hefty sum of around 17K as the settlement amount, post which, I'll be issued a settlement letter, and will be barred from any further relationship with the bank ever in future.

For me, the total comes almost close to 22K (as I've already paid 4K), which I've never used, and, I'm deemed guilty and punished 'no future relationship' (though it should be reverse instead) without even utilizing a single penny.

I would like to mention that I’m sick of the pathetic and ridiculous services of HSBC's multiple departments (customer care, collections, recovery), and I'm strongly going to publicize the bad treatment that I've been subjected to by HSBC.

I'd request all the people to think atleast a 100 times before getting lured into any of the HSBC's credit card services and products as I myself have had enough tortures and harrassments for all my life times.

HSBC Credit Card — Member ship fee and Late payment charges

I am one of the HSBC card holder and i am using this card last two to three years. I am getting this card on basis of life time free card.But in my nov month statement it contains membership fee as rs700.I called to executive and complaint regarding this now they are saying its not free card.

One more thing is last two years i am receiving the statement properly with same address.Last month (i.e nov) statement i received on 4th which is having the due date as on 03rd.I called to HSBC customer care centre and complaint about this they are saying that there is no proper address in thier records.I can not understand this.Even i can not able to hear they replies.

Currently actual my card out standing balance was around 3000 but they are demanding me to pay is rs4500.

Please help me how can i handle this.

HSBC Credit Cards — Undo Changes on the Closed Credit Cards

I had an HSBC credit card some 3 yrs back, due lack of proper services and undue late payment charges being levied on my card i stopped using the same within 5-6 months of issue.
I would never get the credit card statement in time, neither through snail mail, email or even SMS. On top of these they would charge me late payment fees. Due to all this i stopped using the card and opted for a StanC card.
I made whatever amount was due in my card and closed the account.
Now after 3 yrs I get phone calls from HSBC's recovery dept. that some Rs. 4000+ amount is due in my card and I'll have to make this payment to avoid listing as a defaulter. I have been told that it was actually the closing amount on my card which I had not paid and is now blown into this much amount.
At the time of the issue of the card I was told that this was 'free for life' card and there would be no additional fees at all whatsoever. Even the Terms and Conditions document did not mention of any Closing amount that would be charged in case of Card Closure.
Now the recovery dept. reps are asking me make the settlement with a lesser amount but I dont understand why I should pay anything at all for a service that I am not availing
This is a total RIP OFF on HSBC's part.

HSBC Credit Card — wrong billing done by hsbc.

Respected sir,

I was a HSBC credit card customer from last 4-5years.
Kindly refer my credit cards ending with ****8512 i was offered this card by HSBC as a life time free card now they have charged me with annual sevice charges of Rs.700/-& Rs.350/- for addon card.

The above mentioned charges i have not paid same and have informed HSBC to reverse the same. but still date they have not done the same stating that HSBC currently does not have any promotional scheme. Due to this i have cancelled the card after paying all the purchase outstanding of Rs.5760/- . Even after this they are still sending me bill by adding charges and late payment charges finance charges etc. & sevice charges etc.

Kindly refer my to my another credit cards ending with ***8516 as per my record their is no purchase outstanding left with this card. what ever outstanding HSBC is telling is the carry forward amount which you have credited in the subsequent month. In one month HSBC charges finance charge and service charge in subsequent month they reverse the same and again charge with finance charge and services charge for the same which again had mounted up in the range of 2thousand. If you go thru all the statement you can conclude. how can you charge finance charges for the principal amount which is being reversed time and again.

Also it is humble request to you kindly go through my tenure associtated with HSBC from last 6years and pls. let me know any incident of part payment made by us or late payment made by us. we use to operate 6credit card within our family. now due to your above nuissance we have to cancelled all our cc.

Also be informed i have cancelled all my credit cards associated with HSBC. You are kindly requested to take up the issue with HSBC and help me to overcome this mess.

regards,

Avadhoot Roge

HSBC Credit Cards — Illegal usage of charges and levying extra charges on the card

In may2008 , I have made the total outstanding amount of the card and dropped a letter to close the card , which didnt happen .. I left for onsite from my company and came back in May 2009 .. I received one statement from HSBC saying there is some 6000 outstanding on my account.. I immediately called up the helpdesk and asked whats this , I havent received any positive response from them and from then on they started sending monthly statements adding late payment charges and interest charges .. No that they also mentioned they cancelled my card , they still issued interest charges .. In december , I thought I cant take this much more and called them up again and asked if there is any amount which I can pay as full and final settlement . They said no , I have to pay entire amount . On december 31st , I have paid off the total outstanding amount of 8213 ( which was full of interest charges only ) and I paid 100 rs extra as they collected that as I paid in cash . And I imeediately informed the helpdesk to send me NOC and settlement letter .. Which I havent received .. And again , now I received a fresh statement with outstanding as 110 rs which they said as legal interest charges ... Now if i dont pay that amount they will again add interest and latepayment fees and in one yr it will go to some thousands .. This is not a good reply from the Bank and I never received any positive response from them .. Because of this , I am totally tensed and running short of money as one can understand paying 8000 rs only as interest is really troublesome ... Can you please help and help me get justice . Thanks in Advance .

Arun

Dear Sir/ Madam,

This is to inform you that your company HSBC cards is badly harrashing for uncredible payments. Earlier also I complained regarding this matter. Let me inform you that my actual credit amount on date january 2010 is Rs 12000 INR, and already made the payments of Rs 4000 INR and balance amount is only Rs 8000 INR. But as per your records I have to pay Rs 21000 for my card no.[protected] I dont on what basis your officals are asking me for the payments. Few months back I had a chat with your representative, and he said that I have to pay only Rs 6000 for the settlements but i dont know what happend to that promise, i never have back call on this point. Now I am getting frequent call to make the payments for Rs 21000.
On a serious note I am ending my complain that take proper action asap otherwise I will move this case to the consumer forum with the charges of false billing and mental harrashment. Dont take this matter lightly, I am really pissed off with your services, now its time for action, its better you do first otherwise i have to act.

Thanks,
Ajay Jaiswal

HSBC Credit Card — MEMBERSHIP FEE & LATE PAYMENT CHARGES

I had been a user of HSBC Credit card for two years before i sent a request for surrendering my credit card in july/august 2009(month not sure) through customer care. At the time of taking credit card the executive told me that this is free membership card and no membership fee shall be charge against it. But after one year o[censored]sage i was charged by Rs. 800/-(approx) for membership fees that i request for revert back that charges through customer care because my card was free & subsequently my charges in this regard was reverted back.

In the second year again HSBC charged Rs. 750/- (approx.)for membership fees, again i talk to the custmer care but they refused to revert back the charges by saying that this is not a free membership card & you have to pay the charged amount. I still wait for the customer freindly response from the HSBC & stop the payment of my last bill of Rs. 4100/- (approx).

After that i had a long conversation through my mail to the HSBC for near about 3-4 Months & 5-6 times. Meanwhile HSBC put late payment charges for my bill amount every month.

After so many conversation the executive adviced me to pay my actual amount of shopping. In March 2010 I paid the actual amount of my shopping bill.

Now again calls is coming from the HSBC to pay all the balanced amount i.e. membership fee & all other late payment charges & the executive visit fee for collecting the amount from me.

The executive from HSBC are using such a rough manner which is unbearable.

Kindly help me out from this issue.

Kailash Chander ([protected])
Credit Card No. [protected]

HSBC BANK CARD DIVISION — HARRASMENT

Respected Sir,
This is with referece to the wrong billing of HSBS credit card. Sir i am Kailash Chander Bhagat holding a HSBC Credit Card (Card no = [protected]) in which i requested a balance transfer facility for Rs 19300/-, which i received after two months of the request which is of no need and hence i opt to cancel the service and also submitted the Amount cheque with the corresponding HSBC Bank. I am also holding the Recieiving of the same. The issue had allready been allready more than 2 years and still i am getting the billing of the balance transfer with i have allready cancelled.
Hope you will pay heed towards my problem and try to solve the matter as soon as possible.
Thanks & Regards,
Kailash Chander Bhagat.
[protected]

HSBC Credit Cards — Harassment by the Credit Card Division of the HSBC Bank

I was given a credit card by the HSBC Bank executives while I was employed as an Engineering Manager in a Software firm in India. It was given to many employees along with me and claimed that it’s

a lifetime free card.

1. Unfortunately the Wireless division of the said firm collapsed and most of the executives of the division moved out along with me.
2. The Bank then started levying the yearly fees to my account. I sent them multiple requests but there was no response by the bank.
3. I deposited the entire outstanding amount to the bank (except the yearly fees, plus the service taxes levied on top of it), trashed/destroyed the card and sent it over registered post to the bank

along with the request to close the account citing the above reasons for closure.
4. There was no response from the bank. So I sent one more registered letter to the Vice President of the Bank along with all the proofs. This was almost 2 years back. It was only then the mails

stopped coming.
5. One year back again the same problems started, but when I spoke to the executives and explained them everything. Things settled down and there were no longer problems.
6. This year again I started getting calls and the statements. Moreover there are threatening calls being made to my wife. And I am not even staying in Delhi anymore, where my wife resides.
7. Now after sending them multiple mails to their Nodal Officer, there is a reply from the department along with the statements which clearly show the amount manupulation being done by the credit

card guys. But again they have written to give them my number and clear the dues which are actually not there.
7. The telephone numbers from which the guys call are hunting numbers and while trying to call back, it says that the number does not exist. So the problem is that we can't even lodge a formal

complaint against the harassment/threatening calls.



My questions are:

1. When I had paid the entire outstanding amount and requested the closure of the account after trashing the card and sending it over the registered post, why it did not happen.
2. If the bank checks the records, they will not find a single entry of card being swiped/used. So how are the charges being levied on me.
3. Why is not the account being closed till date.
4. Why don’t the Credit Card executives send communication over written along with the entire statements as to where the card has been used and where the purchases have been made. They

cannot do it as the card does not exist from past 3 years or so.
5. Why do the Credit Card executives make fake promises when the Bank does not offer the fee waivers. And why doesn’t the bank take the responsibility/ownership of the statements made by its

executives.

Goto Consumer court and file a case against the Bank then only they will learn a lesson.

Never opt for credit cards from International banks. Always buy from an Indian/nationalised bank.

HSBC Credit Cards — SUSPENSION OF SERVICE WITHOUT INFORMATION

Card No.[protected],as per bank no payment recd. for nov.2010,whereas payments made on 30/11/10 thru drop box cheque & cheque details viz.bank name cheque no. ammount & date of drop informed to bank,even then bank suspended all services on the card without information to me.Resulting in harrasment at the outretail outlets.

First instance of delayed payment,previous record clean.

When bank can ask about the payments details & has every right to suspend services,only thing is they have duty to inform customer about no usage of the cards.

HSBC Credit Cards — Heavy charges

Hi, i am Lakshmi kanth,

I have taken a HSBC credit card, while taking the card, the credit card sales executives didn't give proper information about annual charges, they immediately charged 2000 rupees as annual charges. I told that i never pay... i informed them about cancellation. Now they are telling that i have to pay 30000/- (Thirty thousand rupees ).. you please take a necessary action on these people...

My card number is [protected]

Thanks
Lakshmi Kanth.

http://www.consumercomplaints.in/complaints/hsbc-credit-card-c303342.html



It is matter of great regret that HSBC Credit Card & TATA-AIG are charging unlawfully Rs 3906.00 in place of Rs 99 only for r a cancelled policy from TATA-AIG.

Cancelled TATA-AIG Policy No-OOHC[protected].

Please note that I did cancel the above mentioned policy within 3 to 4 days of its inception. As per Tata-Aig, only Rs 99/- should be levied on me.

But unfortunately you have charged the total policy amount + the cancelled amount as follows:

In statement (12 Sept to 11 Oct 09)

1 October[protected] Rs 317.25

In statement (12 Oct to 11 Nov 09)

[protected]-- Rs 3489.75

Actual Expenses made by me:

17 Oct 09 Kopal Comp[protected]Rs 1000/-
20 Oct, Old Tata-aig policy[protected]Rs 358/-
31 Oct 09 Amber[protected]Rs 2294/-
2 Nov Amber[protected]----Rs 469/-

Total Amount------Rs 4121/-

If you will add Rs 99/- for cancellation charge of the tata-aig policy, it should come out Rs 4220/- only.

But they charged me once again extra Rs 3489.75 for the same above mentioned cancelled Tata-Aig policy.

As a result of your wrong entries, you billed me Rs 7702.79---- (Rs 4220/- (the valid Amt) + Rs 3489.75 (the wrong & unjustified amt for the cancelled tata-aig policy) - Rs 6 . 96 (excess Amt paid for Oct 09))

This is shows their lack of concern for the customer & ways of exploiting the poor customers.

Despite I called repeatedly you people & Tata-Aig no body is sorting out the problem.

Complaint Reference No (HSBC[protected]

Complaint Reference No (TATA-AIG[protected].


So I request you kindly sort out the issue & reverse the wrong entries if you really believe in Fair & honesty in business.


My Name- Simadri Kumar Sahoo
HSBC CARD No- [protected]
Mobile No-[protected]


Note- Even if I PAID Rs 4220/- which is the valid amt for the last statement, you people have charged interest rate in December 09 statement., which is nothing but exploitation of a poor customer.


In nutshell you have charged me ( Rs 317.25 + Rs 99/- + Rs 3489.75 ) for the cancelled Tata-Aig policy –OOHC[protected].



Request to kindly go through my Credit Card statements & look into the matter as it is pending for the last 2 months.


Regards
Simadri Kumar Sahoo
[protected]

http://www.consumercomplaints.in/complaints/hsbc-credit-card-c303342.html



It is matter of great regret that HSBC Credit Card & TATA-AIG are charging unlawfully Rs 3906.00 in place of Rs 99 only for r a cancelled policy from TATA-AIG.

Cancelled TATA-AIG Policy No-OOHC[protected].

Please note that I did cancel the above mentioned policy within 3 to 4 days of its inception. As per Tata-Aig, only Rs 99/- should be levied on me.

But unfortunately they have charged the total policy amount + the cancelled amount as follows:

In statement (12 Sept to 11 Oct 09)

1 October[protected] Rs 317.25

In statement (12 Oct to 11 Nov 09)

[protected]-- Rs 3489.75

Actual Expenses made by me:

17 Oct 09 Kopal Comp[protected]Rs 1000/-
20 Oct, Old Tata-aig policy[protected]Rs 358/-
31 Oct 09 Amber[protected]Rs 2294/-
2 Nov Amber[protected]----Rs 469/-

Total Amount------Rs 4121/-

If you will add Rs 99/- for cancellation charge of the tata-aig policy, it should come out Rs 4220/- only.

But they charged me once again extra Rs 3489.75 for the same above mentioned cancelled Tata-Aig policy.

As a result of their wrong entries, you billed me Rs 7702.79---- (Rs 4220/- (the valid Amt) + Rs 3489.75 (the wrong & unjustified amt for the cancelled tata-aig policy) - Rs 6 . 96 (excess Amt paid for Oct 09))

This is shows their lack of concern for the customer & ways of exploiting the poor customers.

Despite I called repeatedly HSBC & Tata-Aig no body is sorting out the problem.

Complaint Reference No (HSBC[protected]

Complaint Reference No (TATA-AIG[protected].


So I request you kindly sort out the issue & direct them to reverse the wrong entries if they really believe in Fair & honesty in business.


My Name- Simadri Kumar Sahoo
HSBC CARD No- [protected]
Mobile No-[protected]


Note- Even if I PAID Rs 4220/- which is the valid amt for the last statement, HSBC have charged interest rate in December 09 statement., which is nothing but exploitation of a poor customer.


In nutshell they have charged me ( Rs 317.25 + Rs 99/- + Rs 3489.75 ) for the cancelled Tata-Aig policy –OOHC[protected].



Request to kindly help me to sort out the issue as the matter is pending for the last 2 months.


Regards
Simadri Kumar Sahoo
[protected]

HSBC — wrong recovery of credit card

sir
i have no cradit card but bank says i can issue a add-on card no [protected]
and recovery agents haras on phone also i can apply a bussiness loan in hdb finencial than give me a control number no[protected], hdb bank says i can't provid the loan because you have difault in cradit card

Sir, your agent came and offer a free Credit Card for Government servant and being a government servant I have been issued a credit card Account No.[protected]. Now I have received a bill where Opening Balance of Rs. 1179.78 +Finance Charge Rs.37.13 +Service Tax Rs.4.59 + Late Payment Charge Rs.400. and Service TAx Rs.49.44 totalling Rs.1670.94 shown as due to be paid by 10th November. In this regard it is stated I have not requested to renew my card and ur agent had assured me that without my consent card will not be renewed. Sir, i[censored] see my card history, I have never used ur credit card. so there is no use of renew it. It is requested you to kindly remove this amount of Rs.1670.94 from my credit card Account No.[protected] and not renew it for further period as i am not willing to extend it.
Expected a favourable action in due course.

HSBC Bank — CHARGE OF ANNUAL FEES ON CREDIT CARD

Dear Sir,
wrt the above subject, i am holding credit card of HSBC bank, where they have charged an annual fees of RS. 700/- plus taxes.
where as while taking the application from, it was committed by their executive that it was a life time free card, and now they are charging for the same.
request your help in this regard.

Although when card issued it has been said that it is free for life time, but after one year they charged rs 700 odd amount as annual charges, after repeated request the same has been unnoticed and the same is accumalated till date is around 3000/-

HSBC Credit Cards — ANNUAL FEE

Hallo,

I have been issued a credit card from HSBC (card no.[protected]) as a free card. At the time of applying for the credit card as well as at the time of telephonic verification, I had orally confirmed that the cards were life time free cards. However, recently my card account has been debited with annual charges. When contacted, the officials in HSBC now say that HSBC cards are not life time free cards and it is subject to annual charges and that it has been mentioned in the tariff card of the credit card service guide.

It is a matter of common sense for me that when all the other banks are offering life time free cards from around five years back, why would one customer go for a paid card? The point is that at the time of issue and verification of credit card I have been cheated by telling that the cards are life time free.

It is true that when we do not have the chances of getting a free card in any other bank then we would go to a paid card. My credit rating is such that a free card issued by CITIBANK with a limit of Rs.48000 a few years back has now been increased to Rs.162000 due to my excellant repayment capacity. In such a case why would I go for a paid card account after knowing that it is a card subject to annual charges!
Please advice me for further action.

Thanking you,
K. GURURAJ.

Credit Card — Primary Card Membership Fees

I have Credit card no [protected], in the Name of Raj Sharma, You had charged Rs 700/- as a primary card membership fees. as it was life time free card, so you please reverse the said charges, if it is not possiable to reverse pl cancel the card, I do not need this one card.

an early action in this regard will be highly appreciated.


Raj Kishore Sharma
House No 199, Block : 21
Kalyanpuri, New Delhi-110091
Phone No : [protected]

Annual Charges
Sir, your agent came and offer a free Credit Card for Government servant and being a government servant I have been issued a credit card Account No.[protected]. Now I have received a bill where Opening Balance of Rs. 1050.00 Service Tax Rs.108.15 totalling Rs.1158.15 shown as due to be paid by 25th Septmber. In this regard it is stated I have not requested to renew my card and ur agent had assured me that without my consent card will not be renewed. Sir, i[censored] see my card history, I have never used ur credit card. so there is no use of renew it. It is requested you to kindly remove this amount of Rs.1158.15 from my credit card Account No.[protected] and not renew it for further period as i am not willing to extend it. pleas cancel my credit card.
Expected a favourable action in due course.

ANNUAL FEES CHARGED
HSBC Credit Cards


ANNUAL FEE
Hallo,

I have been issued a credit card from HSBC (card no.[protected] as a free card. At the time of applying for the credit card as well as at the time of telephonic verification, I had orally confirmed that the cards were life time free cards. However, recently my card account has been debited with annual charges. When contacted, the officials in HSBC now say that HSBC cards are not life time free cards and it is subject to annual charges and that it has been mentioned in the tariff card of the credit card service guide.

It is a matter of common sense for me that when all the other banks are offering life time free cards from around five years back, why would one customer go for a paid card? The point is that at the time of issue and verification of credit card I have been cheated by telling that the cards are life time free.

It is true that when we do not have the chances of getting a free card in any other bank then we would go to a paid card. My credit rating is such that a free card issued by ICICI BANK with a limit of Rs.60000 a few years back In such a case why would I go for a paid card account after knowing that it is a card subject to annual charges!
Please advice me for further action.

dear sir (customer service executive),


i find from my statement that primary card membership fee to the tune of Rs.2000 has been charged on Oct 21st, 2009 though i was told it was absolutely free by your staff. please refer your email dated 10/06/2008 addressed to me confirming to reverse the annual fees year on year. hence i request you to reverse this primary card membership fee. my card no. is [protected].





kindly do the needfull.

yours sincerely,
stella fatima.

sir/madam,
I was having HSBC VISA CREDIT CARD ending with 3345, Bank is forcing to become member for next year and pay annual charges, it was requested to the bank that i am not in position to become member and pay annual charges, but bank is continuosly creating mental torture to me to become member and pay money, i fear the bank bank will charge more as interest in future,
i request you to look into the matter.
thanks
regards
ajay srivastav
mob. [protected]
Gurgaon -122001(HR)

HSBC Credit Card — Annual Charges

I am using HSBC Credit 4476-xxxx-xxxx-5564 since May 2009, while providing the Credit Card it was clearly told to me that the primary and add on card is completely free for life time and I will not have to pay any annual charges.

In Oct 2009 I made complete payment of total outstanding due with me and there onwards there is nothing due from my end and even next month I received zero balance statement from HSBC. From there onwards I haven't made any transaction using HSBC Card.

Suddenly in the first week of Jan 2010 HSBC sent me a statement with Annual Fees for primary and add-on card. I immediately informed them and asked to cancel the credit card immediately. But the bank in reply saying that the charges are mandatory and needs to be paid before cancellation of card. That means HSBC is fooling its customer this way. Please Guide..

HSBC Bank — Credit Card Annual Fee

HSBC issued a credit card to me in 2006 saying that it is life time free credit card.

Last week I got a call for outstanding of Rs.2700 towards annual fees of Credit Card. I never used / swiped the HSBC credit card for even once in my life time. As per my knowledge after 6 month if we dont use it, its get automatically blocked. But when I got a call from them, I was shocked by hearing the outstanding towards nothing purchased by me or not any transactions.

Its very rediculuous to the tone and behaviour of HSBC executive when they speak with their customer and use very slang language.

I mailed them saying that I wont be paying you a single rupee towards your annual fee because according to your executive they have issued a card to me for life time free card.

But right now they are harrashing me like anything by calling me and by sending mail to me.

I am tired of all this things now.

And want to complain against HSBC and their Management team.

Thanking You

Yogesh Devji Joshi
MBA Finance
[protected]

dear sir (customer service executive),


i find from my statement (11Feb 2010) that primary card membership fee & additional card Membership fee. Rs.2000 & Rs.1000 has been charged. though i was told it was absolutely free ( Lifetime) by your staff. I am using your card past 3 years. Sorry to say this you people reduce my card limit 3 months back, you people sell some travel package of Rs.6500/-(approx) for that i received hundreds of call from your executives, for above charges, i have not received a single call towards annual fee charges. ( iam Not going to pay annual fee ) Hence i request you to reverse this primary card membership fee and Additional card fee immediately, Send NEW STATEMENT and also i request you to retain my old credit limit.My card no. is [protected].(Gold Card)
Call me on [protected] - [protected] after 10 AM

dir sir

wrt the above subject, i am holding credit card of HSBC bank, where they have charged an annual fees of RS. 700/- plus taxes.
where as while taking the application from, it was committed by their executive that it was a life time free card, and now they are charging for the same.
request your help in this regard.

HSBC Credit Card — HSBC Credit Card Membership fees

Hi,

I am a long time customer of HSBC credit card, the new way to fetch money from customer has been started by HSBC credit card team.

Firstly they charge Primary Membership Card fees from the member in the monthly statement. When at the time of giving the card they say it as Life time free membership card.

If its goes unnoticed the person will pay for the charges. But if the person is aware then only will the customer call back the call centre to reverse the charges or else its benefit of HSBC.

This is the new way HSBC has started, to take the money from there customer. So people please be aware to check your statement thoroughly before making the payment.

HSBC — annual fee charged against the life time free card commitment

I was offered a Gold credit card life time free in 2005 when i used to reside at Mumbai / Thane. I had used the same card for almost 3 yrs with minimum transections & making all the payments on time. Since day on day uses for the said card went down due to its very limited requisits i hardly than used to make a use of it. The credit card as u know is there to take care of our credit needs when ever being required.

In 2009 August i shifted to Gujarat and there was no usage of the said card for months to gather. In the month May-june 2010 i came to know that the said card outstanding was showing balance of Appx Rs 5000. I had contacted the customer care for the same where i confirmed with them abt my outstanding purchases which was not paid by me. Their customer care executive confirm me that there was no purchases out standing but the o/s amt was of the Annual fees levied. I had an argument with them regarding how this charges were applicable to me as for more than 4 yrs my cards statment didnt had any annyal fees as the had commited me the life time free cards. Now again in the month of Sept 2010 they had issued another statment which now showed the o/s amt of Rs 7000 for the interest cost over the previous amt on cumulative basis. I again had called up the HSBC customer care where they said that th said card is already blocked since Jan 2010 and now i need to pay the amt of outstanding to get rid off such adding of charges to my ac. I was suggested to called up the collection dept on[protected] to further seek some help from them. I had called up on the same number on 06/10/2010 and had a word with Ms. Renuka and had gone through all the story. She was like the waive off for the same was not possible andi have to pay off this amt as the same will creep up on month on month basis. But i than refused to pay off the same letting her know that there was not a single penny o/s from my end as far as the pruchases on the credit cards are concerned and the amts of annual fees were purely levied as i was not using that card.

Pls let me konw wat to do against the same as these amts are going to creep up day by day.

I need to get a help from ur side.

Regards,

Chirag
[protected]

HSBC Credit Cards — Bluffing the Customer

Hi,

This is Dilip kumar I'm holding an Credit card with HSBC from 3 years. Recently they had called me and offered card to card balance transfer and they said that it is an life time payment facility and they have clearly mentioned that I no need to pay monthly minimum amount and can pay the ammount any time.

Now they are saying that I need to pay monthly minimum ammount which is being generated. I Questione d them that ' it is a lifetime payment offer that you have provided for me and how can you say that I need to pay now monthly minimum ammount, when it is a Lifetime benefit.

I'm not understanding the Lifetime payment here.

Could you please help me on this as they are bluffing with me now.Please do the needful.

Regards,
Dilip kumar.

Please allow me to introduce myself my name is Michael Mason-Mahon and I am a shareholder of HSBC Plc. I am based in London yet I am a very regular visitor to India.

At HSBC Annual General Meeting of Shareholders 2010 I did address my concerns with the Board of Directors concerning what HSBC India has been doing and is doing in India to our customers.

I may be able to help you. I can assure you that I will do all that I can to help you. I have been very successful in the people that I have taken up their cases with HSBC. Now they will not let me help anymore Indian's. You may wonder why, ask the Chairman of HSBC Plc Mr Flint why.

Please go to this site. This is an interview that I did concerning HSBC.

http://www.youtube.com/watch?v...


If customers UNITE in India and decide to leave HSBC India in support of their fellow Indian's, who are making complaints about HSBC India then this may make HSBC Plc take action.
They talk about their Global Footprint and their Integrity. Please look at the following sites and see what the Indian people are saying about HSBC behaviour towards them.

http://timesofindia.indiatimes...

http://www.indiaconsumerforum...

http://www.consumercomplaints...


http://www.consumercomplaints.in/?search=HSBC+Bank

Now ask yourself is this the Bank for you in India.

So if you would like to contact me and send me your phone number I will call you personally.

Kind regards
Michael

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

HSBC Credit Cards — Blocking of Salary/Savings Account

This is to report an illegal blocking of my savings/salary bank account by the HSBC Credit Card department.Inspite of me agreeing to pay and requesting for bill statement and credit report, my savings bank account has been blocked without my approval.They have also not responded to any of my mails, despite several reminders.I have been subjected to mental harrasment and no information from the HSBC Credit Card collections department.

I have already reported the crime to Kolkata Police.Kindly suggest the future course of action as I am the sole eraning member of the family.I have financial commitments towards my son's education and mother-inlaws treatment and I need my salary every month.

Sandeep,

Can you pls email me? I want to understand this since I am planning to opt for HSBC Home loan.

Home Loan from HSBC — Interest on HOme Loan

Dear Sir, following letter sent to HSBC on 24th. No reply. They confirmed by phone that my EMI is Rs.11,744/-. Now their letter days that EMI is Rs.12,262/-. HSBC is really punishing me because I am their customer. I seek the help of consumer forum.

[protected]

Attn : Mr. Subhojit / Ms. Nisha,
>
> Please refer the telephone call of Mr. Subhojit on 20-1-11 at 1:40 Noon
> further received call from Ms. Nisha on 21-1-11 at 11:55 am.
>
> Ms. Nisha confirmed me on phone that my home loan interest rate
> is 10.75% which is applicable from[protected].
> The EMI is : Rs.11,744/-.
>
> Also she confirmed that she will send the statement and the letter as per
> my request.
>
> Received the following just now by courier:
> (1) Letter Ref. No. CRU-CCU[protected] dtd[protected].
> The letter days my home loan interest rate is 10.75% and which is applicable from
> 15th Dec., 2010. Happy to inform you that the EMI amount is not mentioned.
> Since I am not a Bank Personnel, it is difficult for me to calculate the EMI
> of my home loan based on 10.75% floating rate. Hope you will send me
> a letter which is with my EMI amount.
>
> (2) Statement Ref. CRU-CCU[protected] dtd[protected] is attached.
> Ms. Nisha conformed by phone on 21st January that my EMI will be Rs.11,744/-
> But the statement signed by Ms. Neha Mayekar says my EMI will be Rs.12,262/-
> from February, 2011.
> Within 24 Hrs. there is an increase of Rs.518/-?????
>
> If each and every call of your staff and each and every letter issued by HSBC is
> contradicting, what should I do??? Since I am a very normal Indian Citizen,
> and international Bank is cheating the bluffing an Indian Citizen is not at
> welcome. I think at least RBI will help me for this issue. For the last 2 months
> I am approaching HSBC for this same problem.
>
> thanks and best regards,
> Seli Mathan
>
Mobile :[protected]

U can file a case aganst HSBC

Dear Sir.

I fully agree as i am also told the same thing. They have charged me inspite of me cancelling card. I think the bank should see that we customers are not troubled this way as we trust HSBC Bank and why the annual fee is charged where as the cards are issued free of cost.

I wish that the matter is taken serious so that the customers of HSBC credit card are happy using your card. I am dead sure that the bank will do the needful and restore their customers.

thanking you

Radha Jayesh Soni
[protected]

My name is sateesh Basutkar I have been trying to reach to a higher authority of hsbc pf department but no one is helping me I have applied for pf in hsbc they asked me to submit joint declaration form and I have submitted but all the three guys are not responding now through email and phone I want file a complain on these three people can u help me

Call me on [protected]
Or email [protected]@yahoo.co.in

HSBC personal Loan — silver coin not received

i request you to kindly arrange to issue silver coin for the personal loan availed from HSBC Bank and my silver coin redemption serial number is PS3496.
MY EMAIL IS [protected]@YAHOO.COM