Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

Dear Sir/Madam,

I had opened an NRE SB Account with HSBC, Trivandrum, which "disappeared" after few years. I believe my account has been subject to fraud. I wrote to the HSBC Nodal Officer, their replies were arbitrary and unsatisfactory, which simply stated "Your account has been closed". Since their replies were totally unsatisfactory, I filed an online complaint against them with The Banking Ombudsman, Reserve Bank of India, Thiruvananthapuram, with supporting documentation, on[protected]. Though I got a complaint number (online) I have not yet received any acknowledgement or reply from the Ombudsman till to date[protected],

My question is "WHETHER I CAN FILE A COMPLAINT, SIMULTANEOUSLY WITH THE CONSUMER COMPLAINT FORUM PENDING ANY REPLIES/DECISIONS BY BANKING OMBUDSMAN?"

Rajan G. Mathew

Hi

I am getting abusive and threatening call from bank. I have told them that I will pay the sattelment ammount in december 2009. They are also abusing to my team mate. My company may terminate me if this will be repeated. If I loose my job I will not be able to pay to them. I have taken loans from few bank. I am ready to pay. I am paying also. But HSBC is doing against law.



Please help.

Regards
Vishwa Raj
Mob [protected]

My Credit card A/c has been closed to which i received the letter from the Bank to withdraw my outstanding on my a/c. When check with customer service i was assured to get the payment in a weeks time, however since i din't received the payment i tried to reach the bank again i was surprised to know that there was no outstanding on my a/c. Iwas told the bank has transfered the funds as these were miscellaneous. I don't understand how can the bank debit customer's a/c without the customer's instruction or permission.

Dear Sir,
My name is Vivek Badoni ( on card Vivek Vadoni),i have lost my card before 2-3 months ago, then I have applied two times for new one.I have received the statement for new card but still iam waiting for card
My card no is-[protected] & account no is-[protected].
Waiting for your quick reply.
Vivek

Dear Sir,
My card no is [protected].When the card was issued to me the bank told me it was free of cost.but after one year they charged me some annual fee i called to the customer care of HSBC BANK and ask then to cancel my card.But they told me my card is totally free upto 2015 and request me to continue with the card .But 6 month back they send me a statement with some annual charges post on it. Same thing again i told to the customercare.But Every month they started to send me the charges with late fees. currently the amount is some arround 3300 and they issue me a leeter saying taht the recover agent comes to be to coolect the amount.Kindly suggest me what to do.

I was using HSBC Loan Account no.[protected] and I have already cleared the entire payment against full & final settlement letter DELLCRFEB-252 dated 25 April 2008 but No objection certificate is still awaited. All osudden I have received a letter from Mr. Shailender Babbar of M/s Jus Juris Law Firm, bearing Ref No. HSBC/ Del/Loan/O37-NPA/Nov-09/Lot-3/251, claiming the sum of
Rs. 130288.31 on account of outstanding loan. I have paid all the settlement amount (Rs. 100000.00 only) which was mentioned in settlement letter DELLCRFEB-252 dated 25 April 2008 , paid in 4 instalments of Rs. 25000.00 as per abovesaid settlement letter issued by your bank within stipulated time.
Bank stated in that letter that, the statement of the loan account reflect zero dues outstanding, after writing off the deficit amount. Further all pending legel cases on account of the abovesaid loan account will be withdrawn and the bank will not proceed legally to recover the pending dues. Instead of that statement, letter of abovesaid law firm, mentally harressed me and I have nowhere to go.
This is causing considerable strain to me as my wife & family are pressing hard for producing the same before them. Kindly send me NOC urgently @ 71, Chianr Apts., Sector-9, Rohini, Delhi-110085. Kindly also confirm the same to me on Mobile [protected]

Hi,

I have a credit card with HSBC. On Friday, 6th of November 2008, I tried to purchase Download Accelerator Plus (DAP) 9.3 Premium Edition from www.speedbit.com using my credit card. But the page subsequent to the one in which the payment details were furnished could not be opened due to some network problems. Hence I am not sure whether the purchase is complete or not. But when I called up HSBC's customer care I was informed that the monetary transaction is complete though the merchant i.e. SpeedBit has not yet claimed the money. I have mailed SpeedBit regarding the same but did not get any adequate response yet. I have not received the software at my address either. So I want to put the transaction on hold so that I do not end up paying for something that I did not get. Please advice if it is possible for me to put the transaction on hold by informing my bank i.e. HSBC.
Please let me know ASAP.

TO
HOD
HSBC BANK
NOIDA

SIR,
my client is customer o[censored]r bank and he have taken a home loan from ur bank in 2006 and after few month a bank person call him and told to him for taking insurance and bank will pay the premium of this insurance that is why he agreed for it but bank debited rs-157000 from his account as HLPP PREMIUM but he has not received any intimation letter for getting insurance of him and also not recd any reciept of rs-157000 and when he contact to mr sumit kapoor (loan senior ) and mr abbas his junior in loan deppt they told him that it was bank mistak and this amount will refund to you but it was almost three year gone but there is no action taken from bank and his complain no-[protected] on 24/11/09 and now he want to know finally about this matter and after it he will take u in the court.

Alok pandey
ADVOCATE DELHI HIGH COURT
MOB-[protected]

Dear Sir / Madam,

I have a Gold Credit Card of HSBC Bank. I logged in to My Internet Banking account on 20/10/2009 First time and noticed that there are two transaction on my name. First Transaction is of Rs. 40000/- and other Transaction is of Rs. 10000/-. Both the transaction are done in the Merchant Name "Tata Indicom Billdesk Mumbai IN". This transaction was not done by me and amazingly this time, I was travelling in Train. I have informed back about this and they suggested that I need file a "Disputed Transaction Case" with Bank. I did that and they temporarily credited back this amount to me. Now they are saying that they are taking this issue with the Merchant Bank and it will take 30-45 days. But through this compaint

https://www.consumercomplaints.in/complaints/abn-amro-c22407.html

I have come to know that the same case happened with a Customer Also in which the Credit Card was of ABN AMRO and the Merchant was same and the Bank is pressuring to pay the amount.

HSBC Bank gives a Security device which generates a six digit Code without which it is impossible to made a transaction. Also After Ist Aug, 2009, it is not possible to made any transaction without a Security PIN.

This is clearly the Fraud By Bank and I request you to please have a look into this matter.

Both the transactions were made on 20/10/2009.

Thanks and Regards,
Anil

On 5th November,2009 (yesterday evening) I got a message in my mobile no.[protected] that a statement for a credit card ending with 5331 has been despatched and a total payment of Rs.88975 is due on this card. I am surprised as I have never used HSBC credit card and never received any statement of HSBC credit card. Please clarify.

Sir, I have been getting myself and my family covered by the TATA AIG for the last several years. As the TATA AIG has some arrangements with HSBC Credit Card, all my payments were done through the HSBC. I have on 22nd December 2008 covered myself and my family under the "Healthcare Policy" of TATA AIG for a yearly preimum of Rs.8,890/-. This amount was debited to my credit card account with HSBC on 22nd December 2008 and on 29th December 2008 this policy was cancelled. TATA AIG refunded the entire amount of Rs,.8,890/- and this was credited to my credit card account on 1st January 2009. Therefore there is no due payable by me for the above policy.

However on 21st January 2009, HSBC claimed an amount of Rs,740.75 towards the 1st instalment of 12 instalments as EMI for the above. As I was not getting the credit card statements regularly I thought the policy was not cancelled and I continued to pay the EMI till September 2009. Incidentally when I was talking to the officer of TATA AIG on some new prodcuts I was shocked to understand that the "Health Care Policy" was cancelled within seven days and credit in this regards was given to the HSBC.

After that I started sending mails to the Nodal Officer, HSBC credit card division from September 2009 onwards. So far I have sent more than twenty mails and requested them to refund the EMIs collected from me since January 2009. HSBC agreed to the mistake committed by them but informed that they cannot refund the EMI as per their policy.

Anyway I am fighting for the justice. In the meantime I was shocked see the Credit Card statments wherein they have reversed all the latefee charges on one hand and added as payable. It is difficult to understand their statements.

I want to inform all the people who uses the HSBC Credit Card that please check all your entries and verify the fact. Do not totally trust the Bank as I have been doing for so many years. This is a great lesson I have learned.

I am also getting forty to fifty call from 9.00 am onwards from the call centre with lot of threatenings.

Please AWAKE, DO NOT FALL ON THE TRAPS OF THESE BANKS.

Krishnamurthy
04.11.09

HSBC = Harassment Se Bhage Customer

HSBC is the most unethical of all credit card companies.

First, they send their customers incorrect bills.

Then, when customers don't pay they threaten them about CIBIL

=================================================
From:
"[protected]@hsbc.co.in" <[protected]@hsbc.co.in>
To: Harish_PARAPPA/CCR_BGE/HBAP/[protected]@hsbc.asia; Veerendra_VIRUPAKSHAPPA/CCR_JAY/HBAP/[protected]@hsbc.asia; [protected]@hsbc.co.in

Subject:
Overdue on HSBC Credit Card

Dear Sir/Madam,

We note that in spite of our repeated reminders with regards to non-payment of your Credit Card outstanding, you have failed to clear the dues.

We would like to advise you that your adverse credit history with us is being shared and retained at Credit Information Bureau of India Limited (CIBIL), an initiative of the Government of India and the Reserve Bank of India, which may impact your ability to borrow or avail credit facilities with any Bank or financial institution in future.

We, going by your past payment record with us, extend you a one-time facility to overcome your current accumulated over dues. As an exception and without prejudice, we are willing to offer you a one-time repayment on your credit card/ loan account. If interested, then please get in touch with the below officers between 9.00 am and 6.30 pm.

Dinesh - [protected]
Veerendra- [protected]
Harish- [protected]


Thanks and regards,

Bindu NALINAKSHAN
Manager- Agency Management. | Asia Pacific Risk
HSBC,# 84, 3rd Floor, Gandhi Bazaar Main Road, Basavangudi, Bangalore 560 004.
______________________________________________________________________________

Phone. [protected]
Email. [protected]@hsbc.co.in
______________________________________________________________________________

************************************************************
The Hongkong and Shanghai Banking Corporation Limited,
India Area Management Office,
52-60 Mahatma Gandhi Road, Fort, Mumbai-400001, India

Incorporated in the Hong Kong SAR with limited liability
************************************************************
=================================================

Hi,

Recently, i had applied for personal loan of some decent amount to PSU bank. My personal loan has cancelled as my name is present in CIBIL Defaulters list.

Can you please help me out, how do i take off my name from Defaulters list.

For your information, I have paid the full amount to HSBC Bank on 25 July 2009.

Thanks in advance.

Hi,

Kindly find below the Credit Card grievance.I had already talked to customer care in the month of June in Pune who had agreed to reverse the card charges and cancel the card.The customer care executive names are Abid and Deepak.
I have not been receiving any card statements there after which proved that the card was cancelled.

Kindly look into this matter with high priority else I will be forced to log a complaint in the consumer forum and the RBI site for the harassment which is done.


Thanks,
Smita Rao.


[protected] Forwarded message[protected]
From: smita rao <[protected]@gmail.com>
Date: Mon, Nov 2, 2009 at 7:13 PM
Subject: Credit card Greivance
To: [protected]@hsbc.co.in



Hi,

I have received a new HSBC card([protected]) even when I didnt ask for.The card had some initial annual charges.Even when I didnt want a new HSBC card then too the card was sent down to me and now the customer care are harassing me for paying the due amount for the card charges which has incremented to some 6000rs.I havent used the card a single time for making any of my payments.

Please cancel the card and revert all the charges else i will have to log a complaint in the consumer forum for the harassment.

A girl called preeti from Delhi call center called me and spoke to me in unprofessional manner.If the customer care does not have the mannerism to talk kindly give them the appropriate training before recruitment.

If such things keep on continuing I will be forced to log a complaint against HSBC in the Consumer Guidance forum.
Kindly take a strict action against this.


Thanks,
Smita Rao.

Hello,

When I was working in Satyam, HSBC approached me and after all the address check sent me a credit card. Apart from this card, even without asking for any card they again sent another card which I never activated. When I called up the back they said its free for life time.

After 3 years, a person from HSBC called up and said there is an amount of Rs.8500 pending on my card and that the card is also blocked (By then I was working in Accenture). So, I asked him for what transaction this amount is charges for that he said it as ANNUAL FEE CHARGE!.

I was perplexed and asked him, why you did not intimate me that the card is a chargeble card for that he said it became chargable after 2 years. Again I asked him why there was no intimation about it from their end for which they have no answer.

Further now these people are forcing me to pay for it and also they say that they can give discount o[censored]p-to 60%.

Initially I was appreciating HSBC for their service but now after this experience I advice others not to go for HSBC cards any more because this bank is of highly cheating and they try to get money from customers by sending cards even though not asked for and charge annual fees without intimation.

My advice is all corporate people should wake up and re-consider their view o[censored]sing HSBC cards anymore. This is one of the worst ever banks I have ever seen.

With Regards,

GOPINATH

My brother, who held credit card accounts with HSBC, died this October and I notified the bank about it the very next day; asking to block all his cards and also that all the balances/ accounts would be cleared once I get hold of the Death Certificate (DC) from the respective Government body (which takes atleast a month in India). But the bank's executives/ collection agents didn't understand a single word I said to them and have been repeatedly calling me every day asking for my dead brother.

I don't expect HSBC to grieve with me at my loss, but what I expected, from a bank that holds such an eminent reputation, was that they'll treat this case with a little bit of altruism and sensitivity. My brother had accounts with other esteemed banks and once I notified them about the situation they haven't harassed me and have been very understanding, unlike HSBC bank.

And what's even worse is that they have all the information updated on their system.. it's just that their executives are lazyasses and don't want to check the accounts before making the call. As such it's difficult for a family who have lost their loved one, on top of that there are such banks as HSBC, which won't spare a chance to SCRATCH YOUR WOUNDS and let you live in peace...

SHAME ON YOU !!!

Dear Sir,

I have HSBC credit card. I had done some purchases around a month back. I dont use credit cards very often. I did not receive any credit card statement whatsoever and when I tried to call the customer care for enquiring about the amount due they dont provide me because I am not through their cumbersome and overly sophisticated verification system. After I provide all my personal information and then they start asking me information like what is the credit limit of your card, what is the amount of last two transactions etc. When I say them that I dont remember these information they tell me that verification process is incomplete and they cannot provide me any information.

Added to this they do not have any email id where I can formally send an email asking them to reveal my amount due information. There is no way I am able to convey them the frustation I am through. Tomorrow after several months if they come back with huge amount that I need to pay then whose fault is it. Definitely not mine!

Is this the new tactics adopted by HSBC to churn out money from its customers? I am frustated by the kind of services provided by HSBC and therefore I recommend no one become a customer for this bank.

Thanks,
Roshan

my name is sabitha.t.m. and my credit card number is [protected]. now my card is in the cancelled status. i already sent so many mails to the customer care executive of hsbc and also i called them several times. but now onwards my complaint is not rectified.
i have paid all the amount dues that i used through hsbc credit card. i didn't tell any consent to the tata aig for there insurance.

here is attaching the reply from hsbc.

From: HSBC INDIA NODAL OFFICER [mailto:[protected]@hsbc.co.in]
Sent: Monday, March 23, 2009 2:53 PM
To: Majeed, Sabitha
Subject: Your HSBC Card Account Ref:[protected]KMM3337604I123L0KM)

Dear Ms. Sabitha,

We refer to your email dated 19 March 2009 addressed to our Nodal
Officer, expressing concerns on your HSBC Credit Card Account.

Having investigated with the department concerned, we would like to
inform you that Tata Aig Policy premium has been debited based on your
verbal confirmation.

Should you have further clarifications, please do not hesitate to write
to us.

Assuring you of our best services always,

Yours sincerely,

Mahesh T
Officer Customer Service
Hong Kong and Shanghai Banking Corporation Limited

Our Credit Card Tariff has changed w.e.f. 1 April 2009, for further
details please follow the link
https://www.hsbc.co.in/1/2/personal/credit-cards

BUT now onward they sent me the bill. i got the last bill today amounted 6630/-

if it comes in the CIBIL site, it will afect my future, without my fault.

kindly do the needful.

hope you will rectify my issues and reimburse the amount and if my name is in the cibil site, kindly request you to remove it from the site,

I have got a mail from The UN International crises board commission UK with HSBC Draft Scan copy...Pls confirm me this is fraud or right

I WAS HOLDING HSBC CLASSIC CREDIT CARD NO.[protected] AND USED IT FOR SOME YEARS TILL SEPTEMBER 2009. THE COMPANY WAS CHARGING ANNUAL PRIMARY CARD MEMBEERSHIP FEE OF RS.700/-. THEREFORE I DECIDED TO DISCONTIUE WITH THE CREDIT CARD PROVIDED BY THE BANK AS THE FACILITY WAS PROVIDED BY MANY OTHER BANKS WITHOUT CHARGING ANY ANNUAL MEMBERSHIP FEE. ACCORDINGLY I CLEARED ALL THE OUTSTANDING CREDIT BALANCE WITH HSBC AMOUNTING TO RS.24439 THROUGH SBI CHEQUE NO.966347 DATED 26/09/2009. THE HSBC BANK CONTINUED TO SEND CREDIT CARD STATEMENT SHOWING RS.700 AS ANNUAL PRIMARY MEMBERSHIP FEE. THEY ALSO CONTACTED ME OVER PHONE (ONE NITIN) SEAVERAL TIMES REQUESTING ME TO MAKE THE PAYMENT. I MADE IT CLEAR EVERY TIME THAT I AM NO LONGER INTERESTED IN USING THEIR CARD (WHICH I HAD CUT INTO PIECES) AS I AM GETTING THE FACILITY FREE FROM OTHER BANKS. HOWEVER THE HSBC BANK IS CONTINUOUSLY SENDING ME CREDIT CARD STATEMENTS SHOWING TOTAL PURCHASE OUTSTANDING AS ON 19 OCTOBER 2009 AS RS.5105.10.

IN THE ABOVE PREMISES I WANT THAT THE BANK SHOULD PROVIDE WITH THE STATEMENTS FROM OCTOBER-NOVEMBER 2008 ONWARDS TO SUBSTANTIATE THEIR CLAIM THAT I HAVE EVER USED THEIR CREDIT CARD TO MAKE ANY TRANSACTIONS. IF IT IS NOT PROVIDED WITHIN A PERIOD OF 20 DAYS FROM THE DATE OF THIS COMPLAINT I SHALL BE BOUND TO TAKE FURTHER NECESSARY ACTION UNDER THE LAW.