Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

Reminder-10



I am in receipt of your monthly statement of account of credit card

Showing total payment due as Rs 15159.63 whereas undersigned is suppose

To repay last (12th) EMI of Rs 7120 of loan (Principal-Rs 80000 + Interest – Rs5440

Total Rs 85440), 11 EMI’s have been paid in time 12th EMI will be paid by due date

i.e 2nd November 2009.



In spite of my writing 9 reminders you have not settled the issue and again

Have shown excess payment of Rs 8039.63,which undersigned is not paying as

Legally I am not suppose to pay .



For your information I have moved grievance redressal cell for sorting out this

Matter, trust it will be settled in my favor.



AD Singh









REMINDER-9



Dear Customer Service Executive



I am in receipt of your reply to my Reminder-8 and I have gone through the contents of your mail.

I once again repeat for the sake of clarity that I have availed your loan offer for INR 800000 in

12 installments of INR 7120 ( This includes interest component of INR 5440. First of all I had never

Applied for a Platinum card , my gold card was upgraded to platinum card & at the time of conversion

I was told that EMI’s of loan amount will be converted to the Platinum card . I fail to understand

Why & with whose permission it has been converted into a single Transaction – How can you arbitrarily

Do so without the consent of customer ? I do not buy this arbitrary decision taken by you when you

Have charged intrest for 12 EMI’s . You have committed a mistake therefore , you take the corrective action.



I had never accepted the(SLOP) of 3 months offer given to me , you think customers are fools ?

They will repay the loan of 12 months EMI’s in 3 months EMI’s by paying intrest for 12 months.



I am repaying EMI’s of INR 7120 , 7 EMI’s I have already paid & remaining 5 will also be paid on due dates.

In my monthly statements you are charging interest on over due Etc etc. in spite of my follow up

Nothing seems to have moved at your end.

I am pained to know how customer are treated by you . I work for a company where customer satisfaction in

Above anything & we have got JD Power first prize for customer satisfaction



Finally I am advising you to set right the things failing which I will be compelled to resort to legal course

Of action .



Hope good sense will prevail



AD Singh

[protected]







Dear Mr. Singh,



Reference Number –[protected]



We refer to your email dated 29 May 2009 regarding your HSBC Credit Card.



We observe from our records that you have availed the Cash on EMI on your Gold Card (Equated Monthly Installment) for 12 months. However the same was converted into a single transaction when the card got up graded to Platinum card.



We observe from our records that a Special Loan on Phone (SLOP) of 3 months installment was offered to you on 02 March 2009 with the monthly installment of INR 21342.01.



Please note that we do not have any options regarding converting the entire outstanding into EMI (Equated Monthly Installment) as per the banks norm.



Please feel free to write to us if you require further clarification.



For an online demo on Internet Banking and more information on our wide range of products and services please visit our web-site www.hsbc.co.in



Yours sincerely,



Christine Wang

Customer Service Executive

The Hongkong and Shanghai Banking Corporation Limited







[protected][protected]-

*******************************************************************












[protected][protected][protected][protected]

From: adsingh [mailto:[protected]@jkmail.com]
Sent: Friday, May 29, 2009 3:11 PM
To: '[protected]@hsbc.co.in'
Cc: [protected]@jkmail.com
Subject: Grivance Settlement
Importance: High



Reminder-8





I regret to inform you that in spite of sending 7 reminders and personal follow-ups with your customer care representative the matter stands unresolved as on date.



I am in receipt of your statement for the period 11th April, 2009 to 10th May, 2009 showing the total payment due of Rs. 45,891.41 wherein finance charges, service tax etc. etc., have been charged.



Finally you may note that I had taken a loan of Rs. 80000/- in 12 EMIs of Rs. 7120/- each works out to Rs. 85440/- (Rs. 80000 + Rs. 5440/- interest part). I have already paid 6 EMSs of Rs. 7120/- and I am obliged to pay the remaining 6 installments of Rs. 7120/- amounting to Rs. 42720/- and not Rs. 45891.14 as mentioned in your above referred statement.



This issue has not been resolved inspite of reminders and personal follow-ups.



Please do let me know in case you do not agree to the above so that I can proceed for a legal action against you. Please treat this as most urgent.



AD SINGH



Dear Mr.Singh,



Reference Number[protected]



We refer to your email message dated 16 February 2009 regarding cash

on EMI of your HSBC Credit Card.



To maintain confidentiality and security of your personal information, we request that you do not mention your account or credit card number in any email, as it is an unsecured form of communication.



We regret for the inconvenience caused.



We regret that your experience were not reflective of the professionalism with which we ought to serve our customer.



Further we would like to inform you that at the time of card upgrade the cash on EMI of INR 80000 for 12 months EMI has been converted into single transaction, hence to convert the same in to EMI again we request you to revert in secured mode by using your internet banking facility or can contact our phone banking department to enable us to assist you further.



Please feel free to write to us if you require further clarification.



For an online demo on Internet Banking and more information on our wide range of products and services please visit our web-site www.hsbc.co.in



Yours sincerely,



Debika Mukherjee

Customer Service Executive

The Hongkong and Shanghai Banking Corporation Limited

[protected][protected]-












[protected][protected][protected][protected]

From: adsingh [mailto:[protected]@jkmail.com]
Sent: Wednesday, February 18, 2009 5:38 PM
To: '[protected]@hsbc.co.in'
Subject: FW: your card number ****9961 (KMM2808908I123L0KM)
Importance: High



REMINDER-7



Customer Care Executive



I am in receipt of reply to my Reminder-6

I have to state the following :



A)Loan of INR80000 was given to the undersigned in 12 EMI’s of INR7120 each,

Therefore total amount payable including intrest works out to INR 85440 &

I am suppose to repay the total amount in 12 EMI’s.



B)When my Gold Card was upgraded I was informed by Bank representative that

All outstandings including loan will be transferred to the Platinum card

And remaining amount will be recovered in balance remaining EMI’s.



C)How can your Bank convert the remaining EMI’s into a single transaction

Arbitrarily.I am not at all agreeable to this . Moreover when I am required

To repay the loan in EMI’s with intrest why I am being asked to repay in

Lump sum.



D) I am in receipt of credit card summary of Gold card showing CR ofINR56960

(8 EMI’s of INR 7120). I am in agreement to repay the above amount in 8

Instalments.Statement is placed below for your ready reference.



E) I am also in receipt of Platinum card statement showing net outstanding of

INR67744.79 , which is totally incorrect & I am not at all agreeable to pay

This amount.Therefore, you are advised to recheck my account .



F) In your reply to my Reminder-6 you have suggested the undersigned to contact

Your phone banking department . I have suffered enough & I will not contact

Anyone further . I will repay remaining 8 EMI’s OF INR 7120 each on monthly

Basis.I suggest you not to charge any Finance charges etc on remaining EMI’s

In future . In case you are not willing to do so you may refer the matter to

An Arbitrator or to the court.



Arvinder Deep Singh

Contact-[protected]







MRA RVINDEDRE EPS INGH

XXXXXXXXXXX

XXXXXXXXXXX

XXXXXXXXXXX

PAYMENT SUMMARY

due

09 MAR 2009

.

' :3tafer.r.xe,ip1et riod

16JAN2009 To 15FEB2Q09

Prima+ eard number

54XX XXXX XXXX 7929

payrnent dde (Rs.)

0 0 0

Tota| Fayment due {Rs,)

000

Ac.fp.flntn umber

54XX XXXX XXXX7929

HSBC GOLD

Please make all cheques / demand drafts duly crossed, payable to "HSBc A/C

your 16 digit credit card number" and wflte your NAI'IE and CONTACT

TELEPHONE NUMBER on the reverse of lhe Instrument

Credlt }iriri.t {R9;} tl

200,00000

caah timit (Rs,)*

120.00000

+Cash lrmrt avaliabllity is subjed to the availabilitY of the total credit limit

Prease exartne your statement immed,ately. All contents of the

statement will be deemed to be correct and accepted by you, unless you

Inform us of anv drscrepanctes wrthrn the sard prescribed period For

details Dlease refer f"lost ImOortant Terms and Conditions.

t

contact detaits updatei Tel No. rT_rTT_rr-l

(PAYMENT SLIP to be detached and returned wrth cash payments)

S ] A N TS DME T H I NNT E W

0r 3 ir:oimur prrchiat ol Fs :,000

irrns and CcrJirons dPPl!

A[fOUltT {Rs;}

8,06?0 0 cR

8,062 00

7,120 00

7,120 00 cR

56,960 00

56.96000 cR

0 0 0

0 0 0

56,960 00

0 0 0

TRANS*EffION DETAILS

OPENING BALANCE

PURCHASES & INSTALLMENTS

lnterestR ate applicable: 3 10o,/po m (37 zookp a)

54XX XXXX XXXX7929 ARVINDER DEEP

PRINCIPAL DEBIT ADJUSTMENT

CASH ON EMI

4TH OF I2INSTALLMENTS.

INSTALLMENT LOANS

CASHONEN4-T6 0 0 1 2 - 3

41H OF 12 INSTALLMENTS

CASH ON EMI

TOTAL PURCHASE OUTSTANDING

TOTAL CASH OUTSTANDING

TOTAL BALANCE TMNSFER OUTSTANDING

TOTAL LOAN OUTSTANDING

NET OUTSTANDING BALANCE

DATE

1 TJAN

1 4FEB

1 4FEB

15FEB

ACCOUNT SUMMARY

of"€rring h,AlanqetR s.)

8,062.0c0R

TFr fies6A;e'a$S,errh sfddibfR :6;)n;

15,182.00

Payments & other credits (Rs )

7,120.00

Net Outstanding Balance (Rs.)

000

REWARD POINT SUMMARY

i::i:*' **{ii3t'tr'lr 'om

crudiX card

Rs. 250 G**$r Back*

on every Balance Tran#er'on-EMl transadion

on HSBC's Internet Banking

Offer vslid till 31 Msrch 20Og "-GrN rsi rli Ccridrtij r::ra pp y

balancE Earned Redeemed Closing balance

With eff&t from 05 March 2OOg, the Late Payrcnt Foes lvlli be /evlse{t 1o 50o' of Mhinwm

Arcut,t Due( subiect to a minimun ot Rs 4A0 & a maxirnun oi Rs 750 lnr month)

Message

l o f l

Dear Mr.Singh,



Reference Number[protected]



We refer to your email message dated 16 February 2009 regarding cash

on EMI of your HSBC Credit Card.



To maintain confidentiality and security of your personal information, we request that you do not mention your account or credit card number in any email, as it is an unsecured form of communication.



We regret for the inconvenience caused.



We regret that your experience were not reflective of the professionalism with which we ought to serve our customer.



Further we would like to inform you that at the time of card upgrade the cash on EMI of INR 80000 for 12 months EMI has been converted into single transaction, hence to convert the same in to EMI again we request you to revert in secured mode by using your internet banking facility or can contact our phone banking department to enable us to assist you further.



Please feel free to write to us if you require further clarification.



For an online demo on Internet Banking and more information on our wide range of products and services please visit our web-site www.hsbc.co.in



Yours sincerely,



Debika Mukherjee

Customer Service Executive

The Hongkong and Shanghai Banking Corporation Limited

[protected][protected]-

*******************************************************************

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If you are not the addressee you may not copy, forward, disclose or use any part of it. If you have received this message in error, please delete it and all copies from your system and notify the sender immediately by return e-mail.



Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions.

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"SAVE PAPER - THINK BEFORE YOU PRINT!"






[protected][protected][protected][protected]

From: adsingh [mailto:[protected]@jkmail.com]
Sent: Monday, February 16, 2009 5:22 PM
To: '[protected]@hsbc.co.in'
Subject: FW: your card number ****9961 (KMM2808908I123L0KM)
Importance: High



REMINDER-6

Customer Service Incharge



Further to my Reminder-5 , I have received Card statement Showing a debit balance of INR 67744.79.

I am not only shocked but equally concerned how customers are being dealt by HSBC . I am trying to

Settle the issue by paying all legitimate dues , perhaps this is being taken as my weakness . In my last

Five reminders I have very clearly mentioned my grievance by giving all facts & figures – I regret to note

That no one has even bothered to read & provide help .

I am making last attempt to make you understand issue pending as on date :



1- I took loan of INR 80000 to be repaid in 12 EMI’s of INR 7120 (INR 85440 in 12 months)

2- I have paid 4 EMI’s of INR 7120 last being on 1st FEB 2009, therefore , I have repaid total

amount of INR28480 leaving a balance of INR56960 .

3- In card statement a debit balance of INR65195.75 is shown whereas it should be INR 56960.

4- Loan of INR80000 was given in 12 EMI’s & intrest for 12 months has been charged in EMI’s

On what account Finance charges of INR 2268.48 and Service tax of INR280.38 has been charged ?



I want to clarify once again that I have to repay INR 56960 in 8 EMI’s of INR7120 & not a penny more.

Therefore for the last time I am advising you to rectify mistake at your end and confirm the status to

The undersigned, failing which I shall take the matter to Grivance cell & claim damages for harassment.



Please reply to enable me to take further course of action.



Yours Sincerely

Arvinder Deep Singh

Contact- [protected]








[protected][protected][protected][protected]

From: A D Singh [mailto:[protected]@jkmail.com]
Sent: Saturday, January 31, 2009 4:24 PM
To: [protected]@hsbc.co.in
Subject: Re: your card number ****9961 (KMM2808908I123L0KM)
Importance: High



REMINDER-5

Customer Service Representative

On reciept of Statements of both cards ***7929 and ****9961 for the perion Oct-08 to Dec-08
& also the latest Platinum card Statement showing credit of INR 8062 and INR 5520
I will revert. In the mean time I am depositing an amount of INR 22281.92 as worked out in
my Reminder -3 (placed below for ready reference) .
Trust my latest Platinum card statement will show all the adjustments & I will be charged 5th EMI
of outstanding loan only as all other outstandings have been sorted out & am not using card till such time
I recieve statement with necessary corrections / adjustments.
Yours Sincerely

ARVINDER DEEP SINGH
[protected]

Your card number ****9961and ***7929 (KMM2830908I123L0KM)
Date:
Sat, 31 Jan 2009 13:48:59 +0800 (HKT)
From:
HSBC INDIA NET <[protected]@hsbc.co.in>
To:
A D Singh <[protected]@jkmail.com>




Dear Mr. Singh,

Reference number[protected]

We refer to your message dated 30 January 2009 regarding your HSBC
credit cards.

Our records reflect that the outstanding on your gold credit card was
transferred to your platinum card. For statement dated 10 January 2009
there was an outstanding of 101,532.20 and the due date for the same is
02 February 2009. At present there is an outstanding of INR 87500.76 on
your card number****9961.

We have dispatched paper statements to your mailing address from October
2008 to January 2009 for both your cards. The same will be delivered to
you within seven working days.

We have also dispatched e-mail statements to your personal e-mail id
[protected]@jkmail.com for the said period. The same can be viewed by you
within twenty four hours.

Once you have received the same, please feel free to write to us if you
require further clarification.

We also wish to clarify that due to our system upgrade in November 2008,
the outstanding for statement dated 15 December 2008 on card
number****7929 was reflecting as INR 79262.19 as the same includes the
cash on EMI installments yet to be paid to your card account however the
amount that needed to be paid was INR 8,062.19.

An excess credit of INR 8062 was transferred from ****7929 to ****9961
on 17 January 2009. Hence there us now an outstanding of INR 87500.76 on
your card number****9961.

Please feel free to write to us if you require further clarification.

Yours sincerely,

Georgina Sum
Customer Service Executive
Hong Kong and Shanghai Banking Corporation Limited
[protected][protected]

A D Singh wrote:

REMINDER-4

Customer Service Executive

What I want is mentioned in my Remider-3 dated 29 th February 2009
clearly in simple English , Read once again you will know what is required from your
Bank.
Perhaps you do not want to resolve issues raised in Reminder-3 , you are sending
vauge & meaning less mails to me.
I once again advise you to understand the issue in totality & settle it.Once you
will understand the issue you will know whole fault & negligence has taken place
at your end & instead of accepting your fault you are not sending proper reply &
information.
Please look into & reply issues raised in Reminder -3 immediately to enable me
pay my dues before due date i.e 2nd FEB, 2009.

Look forward to your immediate response to my issues Not a vauge mail please.

Arvinder Deep Singh
[protected]


Your HSBC Credit Card ****9961 (KMM2824689I123L0KM)
Date:
Fri, 30 Jan 2009 13:55:33 +0800 (HKT)
From:
HSBC INDIA NET <[protected]@hsbc.co.in>
To:
A D Singh <[protected]@jkmail.com>




Dear Mr.Singh,

Reference Number[protected]

We refer to your email dated 29 January 2009 regarding outstanding of
your HSBC Credit Card.

To maintain confidentiality and security of your personal information,
we request that you do not mention your account or credit card number in
any email, as it is an unsecured form of communication.

Our records reflect that the entire outstanding of your HSBC Gold card
has been transferred to your HSBC Platinum card after upgradation of
card. Hence " PRINCIPAL DEBIT ADJUSTMENT " of INR 79262.19 reflecting
on 05 January 2009.

We wish to inform you that as per 10 January 2009 statement your credit
card outstanding is INR 101532.20 and payment due date is 02 February
2009.

We request you to confirm if you need any statement for your HSBC credit
card.

Please feel free to write to us if you require further clarification.

Yours sincerely,

Tanmoy Goswami
Customer Service Executive
Hongkong Shanghai Banking Corporation Limited




A D Singh wrote:

Reminder No-3

Customer Care Executive

This has reference to my previous mails on this subject (attached below for your reference)
None of the issues raised by me have been responded in any of you mail, perhaps you have
conveyed what you had to without even reading my mails.
I am pained to know a Bank of your stature treats its customers the way I am being treated .
Any now , I am once again advising you to look into the grivances raised by me & if you are
not in frame of mind to understand PLEASE consult you superiors for advise .
To summarise I put forward the following brief for sorting out the issues at your end :-

1) Please note out standing amount on INR80000 loan works out to INR 64080
after adjustment of 3 instalments paid by the undersigned by due dates .This has been agreed by
You & I have recd a statement of account of My previous Gold Card showing
Total loan outstanding as INR 64080.I fail to understand as to how an amount of INR79262.19
has been shown as Outstanding Debit in my Platinum Card Statement . You need to check & confirm
the above to the under signed immediately.
2) Therefore , I am supposed to pay 4th EMI of INR 7120 by 2nd February , which I agree to pay and
Thereafter remaining 8 instalments on monthly basis-this is what was agreed while accepting this loan of
INR80000.
3) In addition to 4th EMI of INR7120 , I am required to pay INR15161.92 towards puchases after adjustment of
INR117.06CR . Hence total payment to be made by the undersigned works out to INR 222 81.92 by 2nd Feb 2009.

Please confirm the above as I have not recieved revised Platinum Card satatement ,in order to deposit INR 22281.92
by 2nd Feb 09.I am running out of patience therefore, I request you to please make the necessary corrections at your
end by transferring the correct amount from Gold card to Platinum Card.Incase you are not in position to do so please
let me know sothat I can resort to other available options.

Yours Sincerely
Arvinder Deep Singh
[protected]
[protected][protected][protected][protected][protected][protected][protected][pr...⇄
ubject:
Your HSBC Credit Card: 7929 (KMM2803845I123L0KM)
Date:
Wed, 28 Jan 2009 14:57:39 +0800 (HKT)
From: e
HSBC INDIA NET <[protected]@hsbc.co.in>
To:
A D Singh <[protected]@jkmail.com>




Dear Mr. Singh,

Reference Number:[protected]

We refer to your email message dated 27 January 2009 regarding your HSBC
Credit Card.

We regret for the miscommunication.

Our records reflect that the monthly instalment is INR 7120.00.The
amount of INR 8062.00 is reflecting as adjustment.

The amount of INR 7120.00 has been debited as Third OF 12 INSTALLMENTS
on 15 January 2009.

Please feel free to write to us if you require further clarification.

Yours sincerely,

Rohit Makhija
Customer Service Executive
HSBC India.

HSBC INDIA NET wrote:

Dear Mr. Singh,

Reference Number [protected]

We refer to your email dated 28 January 2009 regarding your HSBC
Platinum Credit Card outstanding.

Our records reflect that excess credit of INR 8062.00 has been
transferred from your Gold card towards your Platinum card and the same
is reflecting as credit in your Platinum Card account on 17 January
2009. Further we take this opportunity to inform you that you will be
able to view the same in your next month card statement.

We request you to make payment against rest of your card outstanding
which is INR 87500.76 within the due date 02 February 2009 to avoid
incremental charges being levied towards your card account.

Please feel free to write to us if you require further clarification.

For an online demo on Internet Banking and more information on our wide
range of products and services please visit our web-site www.hsbc.co.in

Yours sincerely,

Sourav Bhattacharjee
Customer Service Executive
HSBC India
[Fwd: Your Letter No-CCT/SE/[protected] DT 21St January 2009 (KMM2794982I123L0KM)]
Date:
Wed, 28 Jan 2009 11:26:01 +0530
From:
A D Singh <[protected]@jkmail.com>
To:
[protected]@hsbc.co.in




Dear Ms Christine
Just now I have recd Credit Card Statement of gold card showing a
credit balance of INR 8062,
This gold card has been converted into Platinum Card , I requested for
the revised Credit Card statement
for the platinum card incorprated with credit balance of INR 8062 .
You may please refer to my mail forwarded with this mail for your ready
reference.
Please send me revised Platinum Card Statement with a) Showing Credit
balance of INR 8062
b) Charging 3rd instalment of cash on EMI on outstanding balance

Thank you
Arvinder Deep Singh
[protected]


Subject:
Re: Your Letter No-CCT/SE/[protected] DT 21St January 2009 (KMM2794982I123L0KM)
Date:
Tue, 27 Jan 2009 17:47:32 +0530
From:
A D Singh <[protected]@jkmail.com>
To:
HSBC INDIA NET <[protected]@hsbc.co.in>
References:
1



Dear Christine wang

Please note EMI on INR 85440 works out to be INR 7120 not INR 7210 as mentioned by you.
Please also confirm that in revised statement being sent by you following care has been taken :-
a) An amount of INR 8062 credit has been adjusted.
b) Third EMI of INR 7120 has been charged in current month statement being sent by you
not the entire debit balance INR 79262.

Shall appreciate your immediate confirmation & awaiting for the revised statement in order pay before
due date i.e 2nd February 2009

Yours sincerely,
Arvinder Deep Singh

HSBC INDIA NET wrote:

Dear Mr. Singh,

Reference Number ?[protected]

We refer to your email dated 27 January 2009 regarding query on your
card account.

We observe from our records that you have availed Cash on Equated
Monthly Installment of INR 85440.00 as on 08 October 2008 and the
Monthly Installment payable is INR 7210.00 and the remaining outstanding
to be paid is INR 64080.00 in 10 Installments.

We wish to inform that INR 79262.19 is shown Principal Credit Adjustment
not Debit adjustment.

Our records reflect that the outstanding balance for January Statement
2009 is INR 8062.00 which is in credit.

Please note that we have made arrangement to send the email statement
for January 2009 to your email id at [protected]@jkmail.com and the same
will reach to you in 24 hours.

Please feel free to write to us if you require further clarification.

Yours sincerely,

Christine Wang
Customer Service Executive[protected][protected]-
*******************************************************************

Dear Sir/Madam,

Please note that I was holding a HSBC Credit Card - [protected] & there was a disputed amount of Rs.673 for which I did not do the payment. Details of the same is attached in the letter sent to HSBC by me on 09/07/07. Please refer the attached letter.

I got a transfer from Chennai & stopped using the HSBC Credit Card & sent the same back to HSBC. After discussing with Ms. Tanya on Helpline I paid the balance amount of Rs 1186. And closed the matter.

Now recently I applied for a loan & my credit history with CIBIL show that I am having a disputed amount of Rs 9936 with HSBC. Since, I was in a hurry to avail the loan I contacted HSBC & paid a sum of Rs. 9936 to HSBC Credit Card. I had to use the countelfile of the payment for getting my loan approved.

Now when I am contacting HSBC then there response is unbelivably IRRESPONSIBLE. Even after series of emails they have not even cared to give a call back.

The Principal amount has been wrongly charged the whole balance amount is wrongly charged.

I request "Consumer complaints" to take this case strongly with HSBC. HSBC bank is literally playing with the institutions like CIBIL and after all, us consumers are the sufferers.

My argument here is that even if the total principal to be paid by me was Rs. 1794 (as claimed by the bank) which are also wrongly charged, why should I pay Rs. 9936. All this time HSBC never mad e single attempt to get in touch with me, either over phone or email or address.

Always in such disputes the bank takes the initiative to settle the matter. Never ever the consumer is made to pay the full outstanding. A 'settlement amlount' is finalised & that only has to be paid. But. here when I took the initiative to close the matter, the Bank's response is extremely Harsh, Irresponsible & does not show a response of a professional body.

I hereby request for a immediate settlement of the following 2 matters.

1. Refund of the amount of money Rs9936 - Rs673 = Rs. 9263, immediately.
2. A Clearance Letter immediately clearing my name from CIBIL.

This is a long pending issue and I request for immediate settlement.

Thanks with Regards

Shubhranshu Sharma
HSBC Credit Card - [protected]

Dear sir,

I was on the payroll of Dell International Hitec City Madhavpur, Hyderabad from 08th March 04 to 07th May 06. I contributed towards my EPF as per the rule. My EPF no with Dell International was KN/24960/9534. Thereafter I joined HSBC Banjara Hills, Hyderabad on 08th May 06. My EPF no with HSBC Hyderabad is AP/37897/17941. I had requested for transfer of my EPF from Dell to HSBC in May 06. I have not yet received any confirmation regarding transfer of my EPF from your office.

On a personal enquiry from EPF office Hyderabad in August 09 I was told that there has not been any transfer from your office to Hyderabad office and the same is not reflecting in my statement of EPF account. I had sent my representative to the Bangalore office and he was told that an amount of Rs. 8278/- has been transferred on the 25th of December 06 vide cheque no. 127503. However he was also told that the amount transferred is incorrect and it should be more than Rs.30,000/- My personal records show that I had contributed around Rs.18500, the company also must have contributed as per the rules. Therefore the amount should have been more than Rs.30000.

I have been corresponding with the Bangalore office by emails/ telephone/ registered letter in the past but there has been no response. May I request you to kindly look into the matter and transfer the correct amount to my HSBC account no AP/37897/17941. I will appreciate if the things could be sorted out at the earliest since it is long outstanding.

Thanking you.

Yours sincerely,

Abhijeet Rawal Taneja

Dear sir,
I Sonti Gope holding a cr card of HSBC Bank(No-[protected]).In the month of august 09.i got a SMS from bank informing me that my total outstanding is rs 1100 appx.I gave a call to customer care for the details.Bank comformed me that its the yearly renewal charges.I told them that this is a free card to me for last 4 yrs.I have never paid any yearly renewal charges but the customer care executive other side was not in a mood to understand me.Finally i deceided to cancelled the card on immediate basis.Since i used this card for not more than 2 times in whole history so i don't receive any card statement.Even i forgot my cc limit and my employer name when i applied my card.Now in the month of october 09 i again got a SMS from bank that my total outstading is rs 2176/-.i called the customer care but they are not at all ready to inform me the details because i forgot the cc limit and employer's name.They told me that now my case is in collection and provided me a no.[protected].I hade a word with mr Rohit at this no and he told me that i have to pay the bill.Plz hepl me out from this situation because bank is not in a mood to grant my request nor he is providing me any details.Requesting u in anticepation.

Dear Sirs,

I used to operate an HSBC credit card bearing number [protected] till the month of Nov 07.
In Nov of 2007,against a total outstanding of Rs 105000/-(one lakh and five thousand only) on my card I had called an HSBC officer to ask him close my card as I was in the process of a transfer from Kolkotta to chennai.For this I had asked if I close the entire amount,what will be the discount on this closure.
The HSBC officer asked me to make a total payment of Rs 90000/-(ninety thousand only) and this will ensure the account will be settled as closed.He also assure me a letter will be sent from HSBC against the cheque realisation as this was the process.
I thus made a payment through an ICICI cheque for Rs 90000/- in Nov 09 & was waiting for the settlement letter.To my surprise in about two weeks I recvd a call from some phone banking officer saying why I wanted to close the card.When I stated the reason & asked him about the settlement letter,he said the amount was 92000/- for final settlement & not Rs 90000/- & asked me to make a payment for Rs 2000/- as final settlement.
Fully believing, I made a cheque payment on ICICI for Rs 2000/- after which there was no phone call,no settlement letter or no any news.In between Dec 07 & July 08 there was no news from any body on this.Then again in July 08,I recvd a statement showing that my outstanding was Rs 19706/- & the bank asked me to make immidaite payment.
On calling the bank & against my naration of what I was told,the officer said there was no closure done on my account & this payment must be done.I told him that the card was destroyed by me & was not in use since November 2007 so why should I pay any more.This harasment kept happening over the months.In Dec 2008 when the phone came from HSBC,I told them I will be going to court to complain this issue for which so phone officer from Delhi called up saying the legal way will take a long time,please pay Rs 5000/- & we will immidiately give the closure to this account.
I guess this time again the bank fooled me and collected Rs 5000/- from me saying in a receipt as Final settlement.
But even to this day the bank is still calling me & harrasing me on this.It is about time I am going for a Complaint with the "consumer forum" as well as the police ainst the FRAUD HSBC BANK.

Sir,

Ref: my credit card no. [protected]

Your statement period for month of sep 2009 to oct 2009 shows balance outstanding of Rs. 0.23 only.
After getting the statement I was surprised to know that you have charged an amount of Rs.400 plus service tax as late payment charge. The balance outstanding was 23 paisa only and while paying the amount, I have rounded off the payment amount ignoring 23 paisa.

Hence, late payment charges doesn't apply. And i will not pay any amount. If at all you insist for the same, I will not continue this credit card facility. Your immediate action in this regard is required.

Regards,
Ishwar Bhat
mobile: [protected]

My hsbc credit card no is [protected] nd my name is Vinod Bhatia.I settled my credit card a/c.in 42838.36 on 6 installments of RS 7140 2 b paid till 20th dec 09 by a Sr.officer Mr.s.k.Chaudhary with no.[protected] who sits in ur lajpat ngr.branch,new delhi.An Executive named Shamsher ali with no [protected] who also sits in the same branch A-137,Lajpat Nagar,New Delhi took 1st cheque on 25june with cheque no 001437 of 5000 2 initiate this settlement process.

Then on 13th july09 i received an acknowledgement letter with ref.no-RSCPDNWOFFNDHCRMINSHA[protected] STATING that the settlement hs been 2wards ur a/c of 42838.36 provided the said pmt is made on or before 20th dec 09 in 6 continous equated monthly installments.

Then on 29july09 again the same executive Shamsher Ali tuk another cheque oof 7140 with cheque no.000671(central bank).After that on 28thAug09 a different executive named Sanjay with no [protected] who sits in noida branch,u.p. tuk another cheque of 7140 with cheque no593346.He ws sent by sr.officer of noida hsbc branch Saurav Aggarwal with no.[protected].But what he did he din t put that cheque into the drop box,lost that cheque nd sd us 2 cancel that cheque on 7sep nd 2 deposit cash in the bank nd we depsited cash of 7140 in punjabi bagh branch on 16 sep.Then fr sep installment i depsited 7140 cash in the same branch punjabi bagh on 29 sep.

ON 14 oct i received a statement between period 7thsep09 to 5thoct09 in which is showing the balance of 92,719.But the executive told me that u wnt receive any statement within this this period,u ll receive only 1 letter on the completion date of the settlement stating that ur a/c hs been settled.I dnt knw why they sent this statement,what does it mean?
I am so worried,plz help me out asap.
HOPE 2 GET IT SOON.
WAITING FOR REPLY.
THANKS.

I Sandip Roy Chowdhury holder of HSBC Card no. [protected] received statement dated(14.07.09 to 13.08.09) with amounting Rs 17678.20 with due date 4 th. Sept.09.
I paid:
Rs 1000 on 01.09.09 & Rs 16678 on 12.09.09 to clear off the dues and asked the bank to cancel my card.
As requested i did not received any statement till date..
But today I have received a SMS stating that an amount of Rs 1309 is still due and needs to be paid by 4th. Nov.09.
I request you to please take up the matter.

I had a HSBC credit card which expired on Nov -06. Whatever dues pending till card expiry where paid by me well within time. HSBC irenewed the card even though i was not interested and charged a annual fees. Since i did not want this card I never used this card. But HSBC sarted charging a let fees and interest charges on the annual charge. I never made any purchases on this card. But HSBC continued to charge interest and late charges on annual charges.
Their recovery agents started harassing me sometimes from Delhi and now from Mumbai. Last year they asked me to pay Rs. 350 as settlement and close the issue. Due to repeated phone call from their recovery agent i paid the money to get rid of the same. Now again they have started harassing me. Their Phone no. is [protected]. They are threatening me also.
Please help me in the same.

Dear sir/medam
This is rupak jyoti nath holding hsbc credit card no [protected](classic). I want to inform you that in my Oct'09 bill statement there is some excess amount which is beyond my calculation. After lots of attempt, today i have talk to the phone banking exceutive about that but it has not been cleared by that lady even she confused me. So my request is that plz help me out of that because my due date is on[protected]. I will be highly obliged. Thanking you.
with regards
Rupak jyoti nath
cell no.[protected]
New Delhi.
Date.[protected].

As per telephonic discussion, I have submit the due amount.But the final settlement letter not received till date. Although I had not received any bill/call. Please confirm the closure of my account.

Biswajit Basu
J - 3, Priya Apartments
D-block, Vikas Puri
New Delhi - 110018
Card no - [protected]

I AM HOLDING CREDIT CARD NO. [protected].

LAST DEC'08 I HAVE MADE BALANCE TRF OF MY ICICI CARD TO ABOVE HSBC CARD ON 12 MONTHS EMI BASIS. THEY HAVE SPLITTED THE AMOUNT IN 30000 AND 8000 APPROX. WHILE DOING BALANCE TRF THEY TOLD ME SOME INTEREST WILL BE CHARGED BY THEM ON THE AMOUNT AND TOLD ME THE EMI AROUND Rs.3000/-

BUT THE HSBC CARD ADDED Rs.30000/- IN MY PURCHASE ACCOUNT AND NOW THEY ARE CHARGING THEIR INTEREST AROUND 42% ON THE SAID AMOUNT. I AM REGULARLY PAYING THEIR AMOUNT IN MIN DUES AMOUNT TILL DATE I HAVE PAID MUCH MORE AMOUNT THAN WHAT I HAVE UTILISED FROM CREDIT CARD.

NOW I WANT TO DO SETTLEMENT, BUT THEY ARE DENYING FOR THE SAME. PLS HELP ME OUT.

WARM REGARDS, ADITI

Dear Sir / Madam,

I was holding a credit card from HSBC Bank, which i have settled in the year 2007. Still i am receiving statements and messages against my credit card which i have settled long back.

I am continously following with the concern department from HSBC Bank to clear the dues against my name and resolve this issues.

After so many follow, i am not receiving any confirmation from the...

I recently applied for a car loan from State bank and the bank rejected my application.
After repeated request the reason given to me was that the CIBIL report indicated that there was an outstanding amount of Rs.16,332 approx on HSBC credit card vide no [protected] (Oct 2004 - Oct 2006) which was written off in July 2009 as per CIBIL report.
HSBC was not sending any statement (hard copy or e-statement) inspite of my several request and then i requested bank to closed my card after full outstanding payment.
Trust me I am going through a mental trauma as I have landed up in position where I have no clue about me being a defaulter in any of the banks.
We seek justice to get our names removed from the defaulter list with an immediate effect.
If HSBC is not willing to give me further clarifications on this outstanding amount, I am ready to drag them to court.

I am having a PLOC account with your HSBC bank, this account have been started 2 to 3 years back and till date in my account there is NO default happened.

I had received a letter from your end 2 to 3 months back stating that "You had failed and neglected to respond to all our previous remands related to payment of your overdue account" If I had not made any default in my account how this can happen and it have been written in the letter that this information will be updated in CIBIL. Then I called the number given in the letter and asked your people about this, they told me that this letter have been send to you by mistake, you can ignore the same.

Yesterday also I received one similar letter from your end dated 26/09/2009, when I checked with your team member (complaint no. [protected]) regarding the letter it have been told to me that "It might have happened by mistake" How a mistake can happen twice and it is a system generated letter also. How you can send such type of letters to the customers if there is no default in his account and stating that your details will be updated in CIBIL, if I don't have such track record.

Hi Sir/Madam

This is Ramprasad Kongara
My card Number are Showing on CIBIL Report([protected] ,[protected] 1955,[protected] 3124)

Today I called to customer care They are saying 2 Credie Cards only issued on my name (
[protected] ,
[protected] 1955
)

.Bu cibil showing extra credit card on my name.[protected] 3124)
This card showing 17539 balance how it possible ..Please let me know,

alredy I given a mail for you,last week no reply from your side, what happening from your side.
I asked the customercare exceutive about[protected] 3124) ,that person saying you donot have any information about this is card, if you donot have any information about yhis how you register complain againt me with CIBIL..

TransactionId PaymentDate ChequeNo amount
SB6881563 5/5/2008 68656 7500
SB7134957 26/05/2008 68660 9500

I payed 17000(seventeen thousand rupees) with above details

I called this number number of times no response from this numbers
67115658 Kiran bhven
67115689 Gavrov methata
67115639 Pranov Chowrasiya

I attached a CIBIL report statement please check it out..
Iam eargly wating for your reply..


Keep in touch
RamprasadKongara
Cell:[protected]

My credit card had a total outstanding of Rs 110,700 as on 4th September. The due date was 26th September . On 25th I got a call from the customer care asking me for the payment. I wanted to settle the entire amount, so I asked them to send their executive. 26th, 27th and 28th were holidays, hence the executive was supposed to come on 29th. The executive however did not come on 29th. So on 30th , I called up the IVR system and came to know from the automated response, that the total outstanding was now Rs 111,700/-. I assumed that it would be due to late payment charges, hence I issues a cheque of Rs 111,700/- on 30th September, which due to bank holiday on 30th and 2nd Oct, got cleared only on 3rd October. Today when I called up the customer care to verify if my credit card balance was zero or not, I came to know that my balance was Rs 3600/- on account of finance charges.

My statement is generated on 4th of every month, so why were the finance charges levied when I had made the total outstanding payment on 3rd itself. Also, nowhere in the terms and conditions does it mention the duration for which the finance charges will be applied. Also, why should I pay Rs 3600/ because their executive did not turn up on the decided date. Also , why did the IVR system show the total outstanding without the finance charges if there were supposed to be any on 1st October. How come in one day i.e between 1st and 3rd October , suddenly there were finance charges levied.

Its extremely stressful to have these conversations with the customer care guys since they are rude and extremely non customer friendly.

I had maintained premium credit card No.[protected] in the name of Rajiv Bhatnagar and generate some 985 redeem points. perior to this I was a very good payment maker, but in the last billing I was adament to make the payment to the bank, where they have charged the late payment chages where I have no fault.
In April'09 there was a out standing of Rs.0.18 paisa for which no bill was sent to me even till date I never received the hard copy of the bill and I always make the payment on the basis of SMS only. So in april might be because of ignorance I had issued the cheque lesser by 0.18 paisa, which was again generated because of latepayment charges and service tax thereon. after that bank had charged the compound late payment charges and insited me to make the minimum charges of Rs.200/, but why ?
The bank had charged late payment charges 2 to 3 times but never send the hard copy of the bill on my mailing address : N-2,IInd floor, Kalkaji, New Delhi-110019.
Since the bank has stopped me to use that card without making the socalled payment and continueing harrassing me from their Mumbai talycaller for the outstanding payment.Now my request is to the concern authorities to please revive my card with levying any chages on that and reimburse the earlier paid late payment charges charged by them without providing the hard copy of the statement.
Hoping for the justice.

Rajiv Bhatnagar([protected])

I am a NRI who availed a home loan from HSBC and recently (on 23rd Septemebr 2009) whilst on vacation visited HSBC, Kochi to request early closure of my home loan with the bank by debiting my NRO a/c (into which I had already transferred monies to cover the outstanding). The request was graciously accepted and as a customer advised that it will be actioned within 10 days and should also be expecting a call from HSBC as standard procedure to action closure. Pending this I did receive a call around the 1st October 2009 (I continue to accrue interest still) suggesting a better interest rate if I continued the loan (an anti-attrition call, disguised as a good customer reflection) which I declined and then to my dis-belife I get a letter (by which time I'm back from vacation) advising that I now need to submit/mail them a cheque, wherein, I forecast and compute the accuring interest amount as well from 1st October 2009 till date of clearance.

On calling the help line desk at HSBC to find out what was the reason that my written request wasn't actioned and after going to a maze of questions to authenticate the customer, I was advised that the reason why the letter wasn't actioned was because the signature verification failed. How strange, they accept the request, they call you to dissuade you not to early close and then when they fail in retaining, they claim that they can't action the request because the signature did not match.

I respect regulations and accept need to authenticate but does banking have not longer any space for good customer behaviour and where does then 'KYC' and "CRM" and face to face interactions come into play. What confidence do I have that if I mailed/submitted a cheque as requested, they would action this:-
1) citing signature mismatch again
2) advising that my computed amounts varries from what they compute as on date of action (as I'm in no control of the date when they would receive a cheque I mail from my country of work or when they receive it in their mailroom et all)

or some new creative reason.

Least expect this from HSBC and if this is what they service standards are for customers they classify and tag as PREMIER..

How do I get a fair treatment and feel confident about the banking regulations/environment in India and prevent from such abuse? What recourse to I have in stopping this abuse

Dear Sir,
Last Year i got a promotion call from HSBC bank credit card division regarding the balance transfer. in telephonic discussion they take information regarding the balance transfer & issued the check without my confirmation & charged the amount of 14k as BT amount.But till date I am not get the checque/DD of BT amount. Many times complaint in the bank but all vein they not provided any information.On telephonic complaint to customer care they give detail of checque recieving date but on that day my whole family was out of station i.e 31 oct 08.Now they every month charged the late fees & amount become more the 25 k.
PLz do the needfull.