Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

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.

Dear Sir,

I have settled all the outstanding of HSBC credit card, even then my name is appearing on the civil list. I would request you to please remove my name. I am ready to furnish details of the settlement if required.

Anubhav Dhurka

Dear sir,
With respect to above-mentioned subject that I have not been received the said welcome letter, and repayment schedule of the said loan a/c therefore i am unable to clear ECS with in time. hence please send us the same as earliest as possible. Further after receiving the same i am unable to know the ECS date and other details and will manage the ESC timely.
Kindly do the needful as earliest as possible.

I applied for an hsbc credit card last may 2009 and i was notified that it was already approved. in fact, i was able to receive a pin for cash advance. It was delivered at my preferred address in my hometown, 108 Dumayat Binalonan, Pangasinan. However, since my office address was transferred in MuÑoz Science city, Nueva Ecija, I called up HSBC for a change of address since most of the time, I am at my Office, Cebuana Lhuillier Pawnshop- MuÑoz 2 branch located at D. delos santos st. Poblacion, MuÑoz science city, Nueva Ecija. They told me to provide a cedula bearing my home address in Pangasinan. I was able to fax it last 1st week of September. Since then, I've been calling Hsbc customer care for the status of my credit card because until now I wasn't able to receive the credit card yet and I am soooooo..... disappointed with your service and I want to cancel my application RIGHT THIS MOMENT!!!!.

I wish to apprise you by wrong and unlawful activities carried by HSBC Cr card division .There numbers are as follows.([protected], [protected], [protected] )

I am holding an cr card no 43845xxxx0146111.Ever since i got to know that i will be shifting my base out of this country i requested HSBC cr cards division to give me workable figure which could be settled in some period of time (Settlement of amount) ever since then cr cards division started to harass me and my family .My Enthusiasm
To settle this due within the time frame of 10 months was highly misread as weakness as
Monthly payment mode yield very handsome interest.

They are adamant in there approach and are forcing me minimum amount only and keep pressuring the same fact that effective 01 Jan 09 they have stopped settling any amount which was not intimated to me by any means. They had gone to extend of forcing my money out of my savings account directly inspite of no written ack to do so and my repeated reminders to banking division to not entertain any such activity .This shows illegal &unlawful and greed exhibited by HSBC bank towards there customer .I just want to retreat my point that i wish to have a amount against my outstanding which could be settled over a period of time. I have current proofs to show how other banks and car loans companies have considered my request since i am flying out of this country.HSBC is no unique bank who can force there own unique banking policies to there customers .Calling families and harassing them is completely not acceptable . I get calls from [protected], [protected], and [protected] which keep on harassing me and my family inspite of the fact that minimum amount due stands outstanding only for current month.

I request you to please help me out in this case. I am a responsible customer of HSBC and want to settle this loan but harassment and pressure tactics is used in my case which is not appreciated .Please suggest me a way out from this .

Looking forward to hear from you on this.

My ctc details are:
Akash Tiwari
[protected]
akash.[protected]@gmail.com

I recently applied for a personal loan from State bank of indore, Gumasta Nagar Branch and the bank rejected my application. For this case I have spoken to SBI & asked the reason, they replied as “you must be knowing it. We can’t tell you any thing you know it better.” After my repeated request to them for Giving me the proper reason for rejection they replied saying that ‘’we are not in a position to give you the same.
After repeated request the reason given to me was that the CIBIL report indicated that there was an outstanding amount of Rs.17102 approx on a credit card (Oct 2004 - Feb 2007) which was written off in July 2009.

1. The report furnished by CIBIL does not have details of the credit card nor the bank issuing the credit card.

2. I never used a credit card in that period. In fact, state Bank of India has issued me Golden Credit Card after that period and my repayment history is immaculate.

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.

If CIBIL is not willing to give me further clarifications on this outstanding amount, I am ready to drag them to court.

For your kind information please find below my personal details, if required


Name : himanshu gangarde
Pan No. : AHMPG1902C

Dear Sir

Myself Imran Y Madhupurwala is using hsbc classic credit card no:-([protected])

since Dec 2007. But this time card has been blocked in one of the hsbc ATM at C.G.

ROAD, AHMEDABAD on 10 Sep 2009 but when i tried to take it back but i couldn't and

when i talked to customer care they suggested me to use my ADD-ON CARD but it is not

usable so i have submited my card to bank and I met Mr. BHAVESH JANI(ASM) there

at HSBC BRANCH but he is saying that we cant unblock your card bcoz it is blocked

by higher department but when we are checking it on phonebanking no. our card is active

and has no problem. For last 15 days i m getting very irritating and i want the problem should get

solved faster.

Dear Sir /Madam

My sel[censored]mesh kumar arora I want to say that I don't have any credit card of hsbc bank but since last month i am receiving lots of calls for payment due of hsbc card when i told them that i dont have any card of hsbc they had disconnect the call immidiataly. One day i was surprised when a collection officer or a agency manger from hsbc visited my residence that time i was not in house the officer bribe my family for payment that day was 21st of sep.I am requesting you to pls look into the matter urgently.

Regards
Umesh Kumar Arora
[protected]

Dear Sir,

I am getting bills for Hsbc credit card no [protected] outstanding of Rs. 5000/-.i have not received the Hsbc credit card, all though I have applied for the same one year back have not used the hsbc credit card also after getting the bills when i enquire with hsbc, they confirm that card is not used, one time fees , and late payant charges has been levied on the a/c. now they are not ready waive of the charges, kindly assist us for same.

Yours Faithfully

Ramkrishna Yadav

Dear Sir,

Trailing mail was sent to HSBC bank related to my credit card over charges, but in reply they are still demanding for undue charges. Kindly look into this regards, as for the same I have reported my problem number of times to bank, but no action from their end. now core center is my final approch for the same.I request you to please go through with my complete mail and their reply.

Regards
Shashank Wahal


Dear Mr. Wahal,

Reference Number [protected]

We refer to your E-mail dated 20 September 2009 received through
[protected]@hsbc.co.in regarding your HSBC Credit Card account.

With regard to the outstanding dues reflecting in your card account, our
records reflect that the total outstanding dues reflecting in your card
statement, we are either in receipt of part payment or no payment within
the payment due date. Hence, your card account has been levied with late
payment fees and finance charges.

Whenever the Bank offers credit facility to its customers, we offer
Card Service Guide detailing the repayment process, tenure and
periodicity of repayment

Your card account has been closed by bank and there is an outstanding of
INR 5,853.40 as on date payable on your card account. Please make
payment towards the entire outstanding at the earliest to avoid further
levy of charges on your card account.

We request you to contact our nearest Debt Management team at
[protected]/[protected] for an amicable settlement towards the card
outstanding.

We would like to inform you that our Debt Recovery department does not
embark upon a settlement plan without providing a letter to the customer
detailing the terms and conditions of the settlement offered.

In the interest of security and to maintain confidentiality, please
never mention your account number or your credit card number in any
E-mail as it is an unsecured mode of communication.

A complete list of our Phone Banking numbers are available at


http://www.hsbc.co.in/1/2/personal/internet-and-self-service-banking/pho
ne-banking

Yours sincerely,

Aveek Ray
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited

[protected][protected]-
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Dear Sir / Madam,
Subject: Complaint against credit card statement & Payment.
I was holding HSBC credit card with No: [protected], which I discontinued in Sep08, due to poor service and extra charges from your bank against my issued credit card, for the same I reported to your customer service cell as well, but no satisfactory service and reply was received . I need my complete reimbursement with in trust charges which are being charge by bank from customer I payment is not made on time. My details of poor service of your bank are as follows.
• From 13th April to 12th May08 statement was showing Rs/- 8945.14p due on 3rd June08, for which I dropped my HDFC bank cheque in CP HSBC ATM drop box on 1st June08, but on 10th June 2008, I received a call from your recovery call center, that payment not received by bank. I provided all details to caller lady with cheque no, amount, location and date, But she suggested to pay Rs/- 500.00 in cash to avoid late payment charges against my payment, same was done by me, through cash to recovery agent against cash memo slip on same date.
• Next month I received my next statement, and I was shocked to see that, statement was showing Rs/-8945.14p as opening balance, Rs/- 500.00 as received payment, some fuel refund, other purchases of Rs/- 7500.00 and late payment fee with finance charges along with service tax, but no were My cheque credit was mentioned which I had issued to HSBC credit card with Rs/ 8945.14p on 1st June 2008????? Immediately I called up to your customer care call center, there I spoke with Mr. Suraj and informed him all my details, he assured me and confirmed that all extra charges will be reversal, after his assurance and confirmation, I paid only Rs/-7500.00 as it was spend by me against my credit card and was actual amount.
• After that, next month (with due date 4th Aug) I received another statement in which, my Rs/-8945.14p cheque was showing credited on 21st June????? For late cheque depositing in branch, why should I pay extra charges to your bank???? Due to same, I call up to your customer care cell, on 19th Aug and spoke to Ms Sanya, when I complained for all above said, First she disconnected the phone, then I called up again Spock to Mr. Sohil, he was not able to convened me against my queries, then I asked him to call his manager on line, then my call was kept on hold for 25 minutes but manager did not attended my call.
• Then again on 22nd Dec I called up to your customer care center, and told Mr. Shyam (the name was told me) to call his manager on line as I want to clear my pending queries as I was receiving calls from your recovery center, then again I was kept on hold for 20 minutes but again manager did not attended my phone call????????
• I was surprised to see statement, which I received after few months in June09 month end, with Rs/- 4832.18, as out standing against my credit card???? Followed with lot of calls from your recovery call center (agents) with threatening (Phone no:[protected] &[protected].
• For the all clarifications and for complaint, I approach to your CP main HSBC bank, there 45 minutes I waited in queue after taking coupon, because on customer care counter hardly three person were sitting out of Six counter and four were chatting in bank corridor, when for same I shouted, then one lady attended me for just two min, by watch and gave me address and phone no of your Noida recovery cell center.
• I reported the same case there to Mr. Anil Adhikari (phone no: [protected]) personally from scratch on 22nd Aug 09, he assured me, that with in 72 hrs, I will receive my account closer latter with NIL balance, but before that HSBC bank relation ship manager Ms. Pooja Shukla (Phone no: [protected]) will call me on 24th Aug on my Mobile to do some query checks. But when on 24th Aug I did not received the call then on 25th I called up to Ms. Pooja, she also confirmed me that Mr. Govind is doing the checking against my card and with in 24 hrs I will be informed with latter, I am sorry to inform you since 26th Aug till 16th Sep I tried to contact Mr. Govind (phone no: [protected]), But he did not picked up my phone, and finally on 17th Sep I was lucky that in evening at 07:30PM he attended my call and Informed me that it is not possible to close the account, unless I will not pay some amount as penalty, when I refused for the same and complaint that I will report the same to HSBC head office and consumer court, he replied to whom so ever, I wont to do complaint, it does not effect on bank.
After being festered, I am writing to you, and if my problem is not solved by you also, then definitely I will approach to consumer court and will ask for reimbursement with in trust charges @ bank in trust rate.

Waiting for your favorable and necessary action with concern staff listed in my above details.
Regards
Shashank Wahal
Credit card no: [protected]

Hi,

I had Credit Card dues with HSBC Bank but now everything is cleared but still my name is not removed from the CIBIL. I have contacted the HSBC Bank asking for No Due Certificate but no response. Please let me know when it can be removed.

do let me know if you require any further details.

Thanks,
Yuvaraj

I got call from HSBC recovery department that there is some amount due with my card. For more information i called the call center and i got the below information:
My old car number was [protected]
and there is no amount due on that.
It has expired and closed. After that HSBC dispatched a new card [protected]. I didnt get the card and the same confirmed by Call center. The due amount is on the new card that i didnt get.

Dear Sir,

I have below complaint with HSBC bank, G.K. I Branch New Delhi.
1. I maintain a salary account with Zero balance facility with above bank branch from November 2008. The account was open by them by reference from my employer .
2. Till 7th September 2009 they treated above account as salary account with Zero balance facility but on 8th September they debited my account for INR 1103/- as a levy for non-maintained of Average quarterly balance of INR 100000/- per quarter.
3. Due to above effect since balance in my account went below the amount for which one of my cheque was issued- it bounced & they further debited & charged me INR 303.30
4. When I contacted their call centre & Nodal office in Chennai – first they asked to liaise with my HR dept. –which I did but according to him –till date he has not received any communication from HSBC about the removal of our company from the waiver list.
5. I presume that it is duty of HSBC bank to inform us about if there is any change in status of the account. Since November 2008 till August 2009 - every month my account has been credited with salary. So, it was treated as Salary account by HSBC as they did not levy any charges for non-maintained of Average quarterly balance of INR 100000/- per quarter.
6. A letter was sent by HSBC to me on 2nd of September about the charge without mention of change of status of account, however they have charged me for quarter – April- May –June 2009—it is total breach of contract as a customer. I should have been informed on onset of the quarter from which above change was done and not at the end of it as it .

This is arbitral and total mistake of HSBC part & hence, request you to take this issue with HSBC bank and credit INR 1103/-(for charges of non-maintenance of quarterly balance) + INR 303.30 (Cheque returned due to charged above & balance gone below the cheque amount)= Total INR 1406.30

Also, penalty of INR 5000/- must be imposed as non-adherence to banking norms so that it can be a lesson for them in future.

Thanking you
Janak Prasad

This is regarding my credit card (VISA) that I have been using for 10years. I had made a online payment to them using my husband's HSBC bank account. However past 4 days their call centre has been giving me missed calls continuously and harrasing me during working hours also. Further their helpline customer service were also of no use. 2 people Jisha & Pradeep John - didnt help, where rude. I had requested for the customer service heads email id and phone number - however they gave me the email id of nodalofficer and not the person's individual id. Am not sure how to deal with this situation. Do suggest

Dear Sir/Madame

I was holding a HSBC credit card about 4-5 years back. They recorded a transaction of about Rs.1,500/- which was errornous and reported by me for the same.

After that since i did not receive any response from their end, I cut the card into 4 pieces and sent it back to HSBC stating that i did not want to continue with their card.

Since then i am receiving monthly statements showing unpaid amount. They keep adding interest and penalty charges every month. This phenomenon is happening every month since last 3-4 years accuring a total unpaid amount of about Rs.16K. THERE IS NO ACTUAL TRANSACTION SINCE LAST 3-4 YEARS (EXCEPT THAT ONE ERRORNOUS TRANSACTION)

Recovery agent Mr. Bhagwan Swarup is called from [protected] at odd hours and harassing me using very very foul language. I have even taken recording of this call.

He has even called my home and used abusive language with with 8 year old daughter. Infact she was so disturbed that it took us about a week to settle her down.

Please guide me as to how we can complaint against this person.

Rgds

Niral Dave
Mob: [protected]