Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

Hi Sir,

I was using 2 credit card of hsbc, one primary and another add on. I was very active on both the cards, and made payments on time. At some point if time, I could not make payment and defaulted on both the cards. Later, I asked for settlement and paid seperate payment for the settlement of both the cards. Later when I went to open salary account with the bank, I was told that since one of card is still unsettled, I...

HSBC BANK THREATING ME TO NAME ME IN DEFAULTER LIST
My name is Dr.Radheshyam Sharma.I am from Nagpur.
HSBC bank had sent me TATA-AIG Policy(Policy No-mrp[protected]) on July 2008 on basis that if not suitable they will refund to me later.But on behalf of minimum charges bank sent me large amount.
I used HSBC credit card( just twice(16 Oct & 17 Oct 2008) & made payment on due date(14 Nov'08).
I already told them to withdral this TATA-AIG Policy within their defined limit day.
even then bank threating me to name me in defaulter list if I not pay accordingly them.
mobile no.[protected]
TATA-AIG Policy(Policy No-mrp[protected])
HSBC credit card no.-[protected]

HSBC offered me Free Creait Card more than three years back now after three year they have issued me a bill of Membership Fee for the current year. When I emailed to Customer Care and Nodal Officer Mrs. Sathya Srinivasan (Email: [protected]@hsbc.co.in) regarding cancellation of card and remove the fee, she replied 'you have to pay Membership fee. '

If I don't want to use card, Why should I pay Fee. My card ends with 2274.

I am not going to pay and advise others to cancel thier card if have one of HSBC.

sir, i have personal loan in your bank, sir i need my loan transaction report.Please send it to my address given below,

M.Manikandan
No:12, Gandhinagar 7th street,
Kodungaiyur,
Chennai 600118
Tamilnadu

sir my contact no[protected].Kindly do the needful.
My loan account no:[protected]

THERE IS STATEMENT DELAY SINCE 7 MONTHS.
ON RECEIVING THE COMPLAINT FROM BANK AUTHORITHY I AM PAYING THE AMOUNT FOR EACH MONTH.
EVEN AFTER COMPLAINING SO MANY TIMES ON REGARDING THIS STATEMENT DELAY TO CUSTOMER CARE BUT THERE IS NO RESPONSE FROM THERE SIDE.
THEY EVEN REDUCED THE CREDIT LIMIT WITHOUT ANY INFORMATION TO US.
I AM REQUESTING THE STATEMENTS FOR EVERY MONTH EVEN THE DELAYED STATEMENTS.
THERE IS STATEMENTS DELAY FROM YOUR SIDE AND I AM PAYING THE LATE FEE.SO, I AM REQUESTING THE AMOUNT BACK WHICH I PAID ON ACCOUNT OF LATE FEE.
I AM REQUESTING TO RESPONDE TO THIS PROBLEMS QUICKLY.
PLZ CHECK MY RECORDS.
CARD NO:[protected]

Hi,

I am unfortunately a HSBC Credit card customer. Some time ago, i had settled my account by paying amount of Rs.18, 273. HSBC didn't send me any settlement letter. More to my surprise they were still sending me statements. When i inquired with HSBC Customer care, they say that, i need to shell out an additional Rs. 6800, to settle the same. I'm confused. Should i settle the same. Based on my earlier experience, i feel i should not. Also, if they have reported this to CIBIL how should i rever the same.

Thanks,
Cordially,
Abey M

I am V Chaitanya holding a hsbc credit credit card "[protected]" which was closed few months back. I am having concern unsern under this. D.O.B "27 may 1984, card expiry " 03/09, present contact [protected].

I have already contacted hsbc closed cards depatement of chennai "[protected]/7 [nobody picking]", delhi "[protected] [told me to contact noida number]", noida[protected] [nobody picking], hyderabad[protected]/029 [Satish S SHENOY Assistant Manager not reachable]

I am explaining you my situation please help me to assist.

I took a loan of Rs 40000.00 under this card approximately in Dec2007.
I need to pay 4% minimum amount under this every month.

On 30/01/2008 I paid 1000.00 RS, on 29/02/2008 I paid 3500.00 RS & on 28/06/2008 I paid 8000.00 RS. Here I thought; since I have paid this much amount & no need to bother for 2 years. And I didnt opened the monthly statements that I am reieving in my mail at that time.

After 8months of my last transaction I recieved a call from hsbc chennai collections team & I was informed that I my account was closed because of no transactions for 6months & need to pay some amount for closing the card whre they have included late payments also in that outstanding. then I told that I have paid totally 12500 so far which I have suppose to pay approx 9600rs for 2 years. since I am not aware that there should be atleast 1 transaction monthly it happened in this way & requested to reconsider & decrease some amount. then they told me to pay Rs 25000.00 for account setlement. Then I have paid 25000.00 accordingly.

Later I found that my CIBIL SCORE WAS AFFECTED BECAUSE OF HSBC account has been under settlement & I was not able to take any education / personal loan.

Kindly help me how to to over come this. My request to HSBC is to consider my request & re-evaluate & update in CIBIL. I am ready to pay back the remaining amount as well but they are not responding.

Except this mistake from HSBC I am comfortable with their services. If they are able to give an option for over comming the situation. I am ready to apply a loan from them instead of others.

I can send you the mails that I sent to HSBC. Kindly let me know if you required.

My wife was admitted to AMRI Hospital Dhakuria on 28th April 2009 as an Maternity case and an ceassarian operation was performed on the same day. However, the nursing staff inside the OT passed certain unparliamentary comments on the patient, especially wen she was in a utter labour pain. They are like ' SHE IS A BAD PATIENT OF A BAD DOCTOR', SEEMS TO BE QUITE AGED AND DOES NOT SEEMS TO BE HER 1ST CARRIAGE.

Moreover, after she was transferred to the labour ward no proper diet was given to her. Moreover, the choice of the patient was never taken by the dietician. There were no sleepers provided to the patient. It was only on the day of inspection that the sleepers were provided.Visiting hours were not the same for everybody, people were allowed to stay beyond their visiting hours and were also allowed home made to be brought inside the ward. This practice was not allowed for all the patients including us.

Further, on the day of discharge i.e 03rd May 2009, the discharge summary was typed for seven ocassions because of errors.

In the same sequel the discharge summary of the baby was only termed as treatment summary, wherein the 'Discharge Summary of neonatal was missing. This caused severe inconveience for us as the Municipal corporation in Borough VIII Vivekenanda park refused to give the Birth Certificate. The Hospital accepted the error and issued an undertaking to rectify it. Continuing with the trail of errors the Hospital sent the wrong name for the baby's father to the Municipal Corporation it was termed as SONANDAN BHATTACHARYA instead of SUNANDAN BHATTACHARYA. This was again rectified with an undertaking.

All the above instances has caused severe inconvenience and trauma for the entire family especially my wife underwent a state of depression because of the misbehaviour of the nursing staff. All this happened when the hospital charged a premium amount as part of the cashless treatment through FHPL.

All these instances really calls for a stern action to be taken against the hospital administration and the nursing staff so that such instances are not repeated in future. I would definitely like to have a written apology from the Hospital.

Sir,

I am holding HSBC card from last 2 years and I have 70000/- outstading balance I am regular paying min amount every amount. But due to same personal problems I am not able to pay totoal amount of 70000/- in one time for that I am paying 1700/- as interest in my card every amount. So, I request the HSBC to closed my card and convert my total balance in 12 EMIs so, that I pay total amount. I made 3 times request to company but they refused.asking Me to pay full or min every month.

Sir, I am paying only interest and last payment charges and other charges every month Rs.[protected].

Please advice me.

waiting for your reply

Mrs. Neeti asthana
Card No. [protected]
Cell>[protected]

Dear Sir,

I am holding an HSBC credit card ending 8927. I have recieved July statement generated on 6th July for 10, 418.26 to be paid on 27th July. I have made a minimum due payment of 521 vide ICICI chequeno.170685 dt.25-07-09 which got realised on 29th July. The HSBC bank has levied a late payment fees of 400 plus service tax which i have requested to cancel it stating the cheque had been droped on 25th. Also the HSBC bank do not have a direct online payment mode. Late payment fees has been reversed.

Further to this i have made remaining amount payment of 9, 900 vide ICICI chequeno.170686 dated 01-08-09 which got realised on 4th August.

On 6th August the bank had generated the statement with finance charges levied on 10, 418.26 @ 3.30% permonth.

Finance charges are 336.36 plus 34.64 service tax for the last statement(period 06th June to 5th July) and 324.4 plus 33.41 service tax for this statement(period 06th July to 05th August).

Now i have a total of 726.07 to be paid by this 27th August.

I have contacted HSBC executives twice and they havent been able to give proper explanation. They just say the bank rules are applied.

I understand that there is finance charge if the payment is partial. But i dont think it should be levied on interest free period of first statement.

Can anyone guide me if there is grievance cell or RBi can address this issue?

Thanks,
Rajesh

Dear Sir

I would like to inform you that I was HSBC credit card holder ([protected]) and without my confirmation a TIG policy was activated for me and when I got first month statement it was showing the due amount of 500/= RS and I called up the customer service center, about the due showing in a statement and I come to know about the TIG policy, I made a request the policy should be cancelled and I got assuracence that the policy will be cancelled and the money will be refunded to my credit account but every month I got statement with increment in due as late fee and I used to call customer service center every month and was getting same assurance even once the TL of the customer service assurance me that you will get statement with no due pending
I made one cash with draw from my HSBC credit account about 15000/=RS and paid that amount just within 3 to 5 days and I also deposit and transaction fee for this, that I guess was few hundred Rs., but few month back I got letter that if I will not pay the amount I will be consider as defaulter and my name has been put in defaulter list (need less to says I had already approached to consumer form for this fake policy but there was no action take.)
I would like to says it was all about HSBC customer service executive who misguided me always that no need to worry the money will be refunded, now I got again call from HSBC collection department that if I will pay minimum amount of 207 Rs then due amount will getting zero balance in statement and I deposit that cash but it was again fake, after few days again I got call that I need to pay something around 200 Rs but I denied that but they told me if you deposit 1800 RS final then you will get NOC letter & in statment that there will be zero in my balance statement and I agreed for the same.
On 25th July I deposit a cash amount of RS 1800(Ref: FFSNWOFFNDHSERCO[protected]) and I got letter showing my due will be reflecting zero amount in my next statement but the problem is my name is still in defaulters list & no NOC was provided in favor of me
Now I requesting you that I want my name should be removed from defaulter list and also Request you to NOC should be issued in favor of me as soon as possible
That will be your most kindness

Hi,

My name has been wrongly put by HSBC as a defaulter in CIBIL. I am using their credit card since last 1 year and is running well without even any late payments.
I mailed them about their mistake and asked them to revert back my name from there. In reply to that they are repeatedly asking me my CIBIL report which I have no clue how to get.
I got this mail from them.
Dear Mr. Jain,

Reference Number[protected]

Your HSBC Credit Card ***5790

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

We understand that your name has been updated in CIBIL by HSBC. Hence we
request you to revert with the copy of the CIBIL report to enable us to
assist you further .

Awaiting for your response.

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

They are sending similar mails when I told them that I do not have the CIBIL report.

I am really facing a lot of problems because of my name being in CIBIL. I am not sure how to get the CIBIL report and even after providing them with one they are going to do anything. I am very much clean as far as my credit history is concerned and for no reasons facing this problem.

Please help/ take actions in this regard.

Thanks.
Mayank Jain
DOB: 26/10/1984

PERSONAL LOAN[protected] Complaints - CHEAP AND ARROGANT BEHAVIOUR FROM YOUR COLLECTION AGENTS
View all PERSONAL LOAN[protected] complaints
PERSONAL LOAN[protected]
Posted:[protected] by CAROLINE ROSARIO DMELLO Send email


CHEAP AND ARROGANT BEHAVIOUR FROM YOUR COLLECTION AGENTS
This is to inform you that I had taken personal loan from HSBC BANK- a so called reputed bank with downmarket and cheap collection executives who DO NOT KNOW HOW TO SPEAK TO LADIES AND THEIR REFERENCES AND WHO DO NOT UNDERSTAND THE MEANING OF THE TERM -REFERENCES AND MAKE THEM OUT TO BE GUARANTORS!!!
I have been making regular payments of my loan installments till about 2 months ago and since I was unable to make further payments I requested the DOWNMARKET CALLERS to arrange for a settlement of my loan account.The account was settled after a cash payment of Rs 9000/-was made by me and I was supposed to receive the settlement letter immediately.After a few days to my surprise one of the rogues called me up demanding Rs 9000/-again if i wanted the SETTLEMENT LETTER..I asked them to wait for a few days as I couldnt pay up on that particular day.They sent their GOONDA to my residence and he kept harassing us every morning and evening for 2 days continuously.Later that night I got a call-from the worst possible DOWNMARKET CHEAPSTER speaking to me like I was of his calibre.
His name-Mr Ajay Naik Mobile number [protected] operating from UMANG 2ND FLOOR
CONVERSATIONAS FOLLOWS-KYA BANK MEIN KAAM KARTI HAY TU????AUKAD NAHIN HAY TO LOAN KYUN LIYA?????????I said please tameez se baat kijiye-aap kaun hain??????????
MAIN??????KYA KAR LEGI MERA NAAM JAANKE??????????JO HAY GHAR MEIN WOH KAM GIRTA HAY KYA??????????DOOSRI SHAADI KAREGI MUJHSE??????/
Again i said badtameez -tameez se baat karo-He answered screaming like one GOONDA abhi ka abhi paisa rokda de kya?????bahut tameez se baat kiya terese-
And another GOONDI called VAISHALI-sitting on the 2nd floor called up both my REFERENCES AND STARTED THREATENING THEM-PAISA LENE TUMHAARE GHAR AADMI BHEJ RAHI HOON-AUKAD NAHIN HAY -UTHA LOONGI TUM LOGON KO AND THE WORST POSSIBLE ABUSES also to my references.
Both belong to national collection agency.
KINDLY SEE THAT NECESSARY ACTION IS TAKEN AGAINST THESE PEOPLE-
AND AFTER THE SETTLEMENT LETTER I DO NOT WANT TO DEAL WITH THESE GOONS BECAUSE I WAS UNDER THE IMPRESSION THAT I AM DEALING WITH HSBC BANKS WELL MANNERED EXECUTIVES
PLEASE SEE THAT THEY DONT REPEAT THIS OR I WILL HAVE TO GO TO CONSUMER COURT AND SUE HSBC FOR DEFAMATION AND SECONDLY FOR HARASSMENT AND DOWNMARKET BEHAVIOUR WITH CUSTOMERS.
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This complaint is regarding the HSBC collections department, Basavanagudi, Bangalore(At least, that is what they claim to be!).

I hold a Credit Card with the HSBC bank and I was unable to pay the dues for around 1.5 months as my nature of job involves extensive travelling, mostly to remote schools in the country. The incident happened yesterday while I'm still away at work at a place in Kerala, where there are no HSBC banks around. My job trip would end in 3 weeks and I would be back at Bangalore in the 2nd Week of August '09.

It all started with Mr.SANTOSH KUMAR, claiming to be the Manager of the HSBC Collections Department, Basavanagudi, Bangalore calling me up yesterday afternoon. He stated that "as it is the month end and they have to meet their target, I have no other choice but to make the payment for this month without fail".
As I was helpless, I told him that I would be able to make the payment once I'm back at Bangalore to which he said that I need to make some other alternative to make the payment. However, I could not arrange for any other alternative mode.

When I gave Mr. Santosh an option to send a person to collect the amount at Kerala, he collected the address details of the place where I was staying. And, I assumed that they would send someone. After this conversation, the calls kept coming in constantly from 4 different numbers(2 official numbers & 2 mobile numbers), one after the other till night, each of the other persons trying to persuade me to make the payment as they had changed their mind about sending a person to collect the money.

To my surprise, I received smses from their Mobile number stating " WE HAVE RECEIVED THE CONTACT DETAILS OF YOUR FAMILY MEMBERS FROM OUR SKIP TEAM. IN CASE YOU DO NOT ARRANGE FOR THE FUNDS, WE WOULD CALL YOUR FAMILY". [Is this Justified? How can a Bank get in touch with your family members? Isn't it against the RBI Directive?]

However, to my surprise, I received calls today from my parents who live in a different city & my spouse currently working in an other city stating they had received calls from people claiming to be associated with HSBC bank and that they were pressurizing them to make the payment on my behalf.


1. How did the Bank get their contact numbers? Their phone numbers are fairly new & the numbers were never mentioned in any of the bank documents? [I strongly sense my service provider leaking my recent call records to the Bank]
2. Can the Banks call the family members when you are still in touch with them?
3. How can the Banks intimidate, harass your family members?

Please suggest what should I do? I never mentioned that I would not make the payment.

Sir/Madam,

I had an issue with HSBC Credit Card regarding my convertion of outstanding to EMI. Below are the details,

I requested HSBC Credit Card to convert my outstanding amount to EMI in 2002 and they said it will take atleast 5 working days.
After 2 days I confirmed from the credit card department whether the request has been processed or not and they confirmed me that it is still under progress, than I requested them to stop the process and I settled the whole amount.
After a month I received a statement from HSBC saying that I have to pay the pre-closure charges for the EMI conversion.
I spoke to the concern department for many times (around two years I had talk with them) to revert back the pre-closure amount, since i have not taken any EMI.

But they made me as a defaulter list in the CIBIL. Later both HSBC and myself came on the same page and I settled some amount and they promised me that they will revert the defaulter list from the CIBIL. But they have not done. Now I could not able to take any loans from bank.

My point is all the credit card holders are facing many issues like this because of improper process of the bankers, than why CIBIL should consider about the credit card defaulters. Before posting to CIBIL, CIBIL should enquire about the issues from the both side and should clear the issue.

Or the loan issuer bank should check for other transaction with other banks, mobile/telephone bills, Insurance, EB bills.

Now I have settled down all the amount and have clearance mail from HSBC, is it possible to remove my name from the CIBIL's defaulters list. Or what should I do to get this issue short out?

My details

Name: Selvaraj Lingusamy
DOB: 20-Oct-1977
Address: 125, First Floor, 6th Street, First Sector, K.K.Nagar, Chennai-78

Please note I was holding HSBC Gold Credit Card [protected] (Issued from Pune Branch) in name of Akhil Jain which got expired in 2006.
I couldn't pay the overdue amount on card for long time and ultimately paid the whole amount of Rs 53, 900 on 30/01/2009.
At the time of payment assurance was given that my name will be removed from CIBIL Defaulter list automatically as bank updates CIBIL on monthly basis.
...

Sir/Madam,
i was holding card no.[protected], it was closed after settlement for Rs:92, 000. with ref No:FFS/SI/HYD/NW0/171207/AS dated 26 december 2007.
but surpisingly still i am getting statements.

Please look into this asap.

Note : i am attaching relevant docs.

Sir,

My name is Able Alias, I have holding HSBC Credit card since last two years. When I took this credit card, the HSBC Agent told me it is absolutely a free credit card, its have no annual fee and joining fee. But last year[protected] they have charged more than 1000 rupees as annual fees, when I got the statement I have called the HSBC customer care agent and asked my complaint about annual fees charged against my free Credit Card, then they had waved off the annual fee amount. But this year also they have charged the same annual fees amount (Rs.1644.92 with late payment 400.00+Service Tax 41.20+Finance Charges for this statement 41.31+Service Tax 4.25). This year also I have called the HSBC Customer Care Agent, but they told me, the company policy changed, so that the annual fee should not be waved off, you should pay the annual fee amount, they waved off only the
late payment Charge Rs 400/-. So I have paid Rs 1204/- on 23/07/2009.

My Details-
Name - ABLE ALIAS
Primary Card No – [protected]
Date of Birth –[protected]
Card Expired on -06/09

Please consider this letter as my complaint against annual fee charged against my Free HSBC Credit Card and take necessary action.

The HSBC Credit Card is cheating & Fooling me, They hadasked me to convert to emi on conversion they will reward me with Bonus points. It has now been 3 months, I am sick & tired of complaining but they are not interested to solve the problem.

Please Help

Dated 13-7-09, at 20:18 Hrs, I rcvd an SMS from VM-HSBC stating payment due of Rs. 59, 265/- to be paid by 03-Aug-09. I'm not a customer of HSBC and that I have been using my phone since Sep'08. It was the first SMS I ever rcvd from HSBC.

This was very distracting. I tried to find the call-center number the night I rcvd msg but the number listed on the page was not correct. Next day I found the number and had a chat with the CC agent (That must have cost me around Rs. 50) to learn that he cannot confirm/help and adviced me to write a mail.

On reply1, HSBC.co.in had to offer regret. I then replied with expression of the loss I incurred (both emotional, time and money) for the unsolicited SMS.

On reply2, HSBC.co.in thanks me for feedback. Not a word on the losses.

I wish to pursue this to a logical and legal conclusion and give an opportunity to HSBC.co.in to learn a lesson and improve/sensitize its service standards.