Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

HSBC Credit Card — Fraudulent Transactions.

Dear Sir,

I am holding HSBC credit card for past 9 years and have been in good records of the bank.

On 29th Apr 2009, I observed that there are 3 fraudulent transactions (all airline tickets) done on my card using internet which sums close to Rs. 37000.

I have requested the bank to block my card and am going to send the fax about the transactions to HSBC.

Could you please guide me how to proceed further?

Regards,
Shashi

I Manoj Kumar is a account holder in yr bank.I opened a account in yr New Alipore, Kolkata, India branch in 2006.I received my debit card on that time when i opened my account.But till now date i have not received my debit card pin number.I spoke to branch they said they have send but i did not received that.
I will be highly thankfull if you kindly look into this matter and do the needfull as early as possible.

Thanking you

yours faithfully
Manoj kumar
[protected]

CONSUMER: CHANDAN DATTA
MEMBER ID: BF02271007
MEMBER REFERENCE NUMBER: OTH02101964

Please be informed that Rs.7723 is shown as over due aginst a credit card. This amount is actually against renual charge, but not against any purchase. I have informed number of times that I am not interested to renue. Once somebody has confirmed me from call center that the amount will be waived off and a fresh new card will be issued. Even I have spoken to your collection agent, ( Mr. Neel) that I am ready to pay, just give me the statement once again.This is actually give an absolute bad taste about such a big organisation to put my record as a defaulter in CIBIL without any genuine guilt.
I would like to request to let me know that if I pay the renual charge, whether the record can be cleaned or not.
Waiting for your early reply.As I do not have the card number even, mentioned above some reference number.

Dear Sir,
I am interested to pre close the PL a/c no.[protected] kindly send me
the pre closer letter to close the a/c at the earliest.
Request not to impose any kind of pre closer penalty for the same.
Br
Satnam Singh

hsbc gold credit card — Against Charging Annual Fee in life time free credit card

Sir I am samarendra das.Recently i had applied for a life time free HSBC gold credit card (VISA).They had told me that no fees will be charged.But today i got the card HSBC gold credit card (VISA) Credit limit Rs39000 /-. While going through the documents i saw that one ANNUAL FEE Rs 2000 /- is there. But as per their words no fees should be charged to me.

They should not charge

CREDIT CARD WAS GIVEN AS LIFE TIME FREE.EVERY RENEWAL, HSBC CHARGES ANNUAL FEE & YOU HAVE TO WASTE TIME PLEADING WITH THEM FOR REVERSAL OF DEBIT ENTRY.

ANIL AILAWADI
JOINT.G.M, M.T.N.L
M-[protected]

CREDIT CARD WAS GIVEN AS LIFE TIME FREE.EVERY RENEWAL, HSBC CHARGES ANNUAL FEE WITH EXTRA CARD. SO STATEMENT PERIOD-5/12/08 TO 04/1/2009 THEY CHARGED - CARD MEMBERSHIP FEES AND ADDITIONAL CARD ANNUAL FEES. WITHOUT USEING THE CARD. I WANTED TO DISCONTINUE THE ALL CARDS WHICH WAS GIVEN WITH CARD NO. **** **** **** 6831.

Please cancel all cards.

CREDIT CARD WAS GIVEN AS LIFE TIME FREE.EVERY RENEWAL, HSBC CHARGES ANNUAL FEE WITH EXTRA CARD. SO STATEMENT PERIOD-24/12/08 TO 23/1/2009 THEY CHARGED - CARD MEMBERSHIP FEES AND ADDITIONAL CARD ANNUAL FEES. I WANTED TO DISCONTINUE THE SERVICES OF ALL CARDS WHICH WAS GIVEN WITH CARD NO. **** **** **** 5629.

Please cancel all cards.

I fully agree with the same, as I am also facing the same mental harassment.

I was issued a HSBC gold credit card with add-on for life time free. After a year they charged me annual fee of Rs. 3000 which when contacted told me due to system upgrade this thing had happened. They reversed the charges that time and told you wont get charge me again for annual fee as its lifetime free card.

I also clearly stated that if I have to face annual charges next time then please cancel my card this time only as I don't wont to have further hassle. For which customer executive told me no its registered under LIFE TIME free card hence you wont have any annual charges. But second year they charged me again and upon calling them they refused to reverse the charges.

Now some people are calling me again and again that you pay the charges else come in Lok Nyalaya DELHI for which any way you have to spend money for travel and stay.

HSBC Credit Card — Unreasonable charges

Hello,

I have a HSBC gold credit card, which I am using from last 4 years. I have made a balance transfer of Rs. 15,000 from my other credit card to HSBC card on November 3, 2007. There was another transaction of Rs.12,240 on HSBC card on November 2, 2007 that was realized by HSBC on November 5, 2007. This delay is from the merchant's side.

However, HSBC claims that the transaction was made on November 5, 2007 (after the balance transfer) and therefore have levied finance charges of Rs. 1236. This is completely unfair and unreasonable.

Please help

HSBC Credit Card — No renewal of card after expiry but charges levied

Dear Sir,

I was so far holder of HSBC credit card (From last 2 years), I made all my payment promply, the details which bank also know.

On expiry of credit card in month of November 2008, the customer care representative assured me renewal of card. I kept on waiting for renewed card till yesterday.

Yesterday i got a shocking call from HSBC agent that your outstanding is Rs 3800+, if replied to the agent for what, bank has not given any statement to me since nov 2008.

Also my outstadning that i remember is Rs 800-900 and not more.

I called up customer care, they told me that your card has been cancelled, and the due amount is Rs 3900, that is due to non-payment.

I have never received final statement from them neither a communication saying that we are cancelling your card any pay your outstanding.

I know one thing that my outstanding was not more than Rs 800-900.

If bank wanted to cancel this, they could have said in simple pay your outstanding and we are cancelling your card

Request you advice and support to resolve such unfair and unehical acitivity of HSBC bank

Regards

Kaushik Patel

Hello,

I my name is Bhajan singh saini. I have HSBC credit card, which I am using from many years.
28AUG-2009 i recive a msg in my cell phone, In this msg stat ment is Unreasonable charges.Tha
msg is (Your credit card ending with 5631 has been despatched.total payment due 5339)
so plz explan these due payment

Dear sir,

i would like to inform you that i have holding a HSBC Credit card no : [protected] since 6th octomber 2006. Sir, when your representative comes to give a credit card he says there is a totally life time free credit card and i ask again and again for charges of life time but they says you do not have pay any single ruppes for life time. so i says ok you give the card only one condition its totally free for life time.

So, i have received the card and used some time and i never been default from my payment. i have not received your statment timely and i have pay on account payment to you to aviod a late payment fees and other charges etc then after i do not need to use your card and i have credited my excess payment amount sum of rs. 362.42 . in 14th aug-09 to 14 sep.09 statement.

But now we received the statement of 15th sep-09 to 14 oct 2009. you have charged for primay card memebership fee of rs. 700/- and service tax 72.10. so that i can call in hsbc helpline no : [protected] to Mr. Sushil regarding cancellation my card for wrongly commited to do not charges any singal ruppes for this card. so they have cheat me. so i tell him to cancelled the card by request no :[protected] and says to give the my excess payment sum of rs. 362.42 to me but they says we do not give your excess payment. i ask you why you do not give my excess payment.

please send me the cancellatin letter of my credit card with my payment of rs. 362.42.

Thanking you
kamlesh patel

dear sir,
My HSBC credt card number [protected].
This is to inform you that in respect of overdue payment, i have already made the full payment on dated
3rd August 2009, vide ckeque no. 861276 drawn on bank Of maharashtra, Dombivli (west).
at hsbc's Hutatma Branch (fountain branch. mumbai) of which acknowledgement receipt is obtained on the cheque deposit slip dated 3rd August 2009.As per acknowledgement slip a remark "Late for today's clearing, 3 august 2009, BOMTLR the honkong and shanghai banking corporation ltd. " is written. As per my account no. [protected] with Bank Of maharashtra, Dombivli west branch the entry of payment of Rs.14629.11/- has been made. Even though i am receiving from your HSBC Bank statements for payment. Therefore i am in very mental tention and disturbed mind. Please verify this and inform me early.
In this respect i have informed on phone no 022/66667070, 022/[protected], 022/67115658 and apprised Shri. Abdul Khan, Mrs.Silve, Shri. Kiran Dave staff of your bank in the past.
Also please cancle and discontinue my above accont and credie card immediatly.
Your's Sincerally,
YUVRAJ d.BHISE
20th november, 2009.

HSBC Credit Card — seetlement department huge amount charging

Dear Sir,
I have been using HSBC credit card for more than 2 years & i had done the payments everytime on time.Once i have dropped a cheque and it clearance took time.In next time these ppl cahrged with late fee.I asked them to revert back, they didnt agree and i asked to cancel the card.My card was cancelled.i got call from settlement department to pay 1k amount for the late fee which they didnt revert back.they said they will courier the papers from delhi to my bangalore address and i willbe getting it within an month.I agree to that and asked them to close the issue.
But these people didnt courier me anythng.Again after few days i got a call and same thing repeated.They said they will courier the required the stuff and i should pay 1k and close the issue.they agian verified my bangalore address and told me that within a week i will get the same.
The above incident repeated 1-2 times agian.
some 15 days back again they said the same thing and said this time they will surely courier everythng and i sholud pay 1k.
Now from yday they are calling me repeatedly and asking me to pay 6k amount.which has been accumulated now.1k + late fees for few months.
I told them repeatedly that till past 15 days these people were saying me to wait for courier and then pay the settlement amount.
now they are demanding for 6k.
i asked to verify with persons who had been calling me for from so many days.but they are ready to do that also.
Please help us.

Dear Sir / Madam,



I have received your credit card statement ([protected]) period 22 May 2009 to 21 Jun 2009



Dear Sir with regard to the subject I would like to confirm to you that your total outstanding amount 20, 694/- that was paid on dated 21 May 2009 from IDBI BANK A/C cheque number 979319 to your collection agencies Mr. Mahendra Singh chouhan (AARM Consultancy Services Pvt.Ltd.) and I have also torn out my credit card in four pieces & send it to Mr. Mahesh – Manager Credit Card Services, HSBC 610 Ambai hosue Anna Salai Chennai 600006.by First flight couriers ltd. on dated 12-Jun-09 that consignment number is R13134747 and the documents are also received there at your office on Dated 15-June-09 the receiver name is Mr. Arjun



But now thing is that Sir your statement period 22 May 2009 to 21 Jun 2009 shows outstanding amount 2750.71 towards the credit card, which I have already closed & cancelled on dated 09.06.2009



Dear Sir / Madam as per my and your record My Credit Card has already been cancelled the Cancellation request Letter Payment deposit slip are also attach in the trail mail



So please look into the matter and kindly do the needful I shall be grateful to you if you could favour me by waiver of outstanding Amt. 2750.71



Pls look into my case and help me. Outherwise I want to take a legal action against the bank






Thanks & Regards

Vinod Tiwari
Gernal Manager Sales
Tata Motors
Kamal And Co,
Tonk Road, Jaipur -18
Tele[protected], 6511454
Extn.34
Mobile [protected]
Mail ID- vinod.[protected]@gmail.com

I am also facing similar situation. I am holding HSBC card since 2003 and suddenly this year they have charged anuual fee of Rs. 700/-. I called up customer care and told to cancel card last month. However from past three days I have started receiving calls from HSBC to pay the amount with late payment charges. Even after clarifying with them, the calls are not stopping. Kindly intervene and have this malpractise stopped.

Thanks/
Manoj Gawad

dear vijay borse,

Do neglect their calls, don't afraid to their phone, or when they came personally to meet you, means to threaten u else abuse u, be derar & too abuse them. & the final result would be they will call you & ask u for settlement. While making full & final settlement, take all the proper papers from bank.
Take the advise of you friends, lawers, police if any. Full & final settlement came to u at 75% less amount o[censored]r total debt. So be derar & Best of LUCK.

pl.note : The recovery agents does not have any authority to threaten u, its a legal offence.

Original or fake documents
Plz confirm and tell me

The HSBC gold card no [protected] issued to me in 2006 was Life time free card. On completion of one year In Sep 07 HSBC charged me Annual fees which I was not aware I paid the entire amount except the annual fees and request HSBC to wave it office but by the time the next bill was generated with Late fees and service charges, in returned I informed HSBC to cancel the card When all other bank offers card free of cost WHY the hell should the customer pay annual fees. The annual fees was reversed in the subsequent bill but the late fees and service charges were not reversed. The same charges got increased every month with late fees.

This issue should be brought in to the notice of Consumer form that Banks are harassing customer even if it is banks mistake.

Why HSBC on realizing there mistake has reversed the annual fees why the other charges not reversed. I have crushed the card and deposited it at the HSBC ATM after that.

Why should the customer pay there hard earned money when he is not at fault. Last year I have written a letter to HSBC and they apolozised on my email id [protected]@sify.com.

HSBC Credit Cards — Harrassment for non of my mistake

Ref: HSBC Credit Card Reference[protected]KMM4339402I123L0KM)‏

Bangalore, 10th July 2009

Mrs. Sathya Srinivasan,
Nodal Officer,
The Hongkong and Shanghai Banking Corporation Limited,
No. 96, Dr. Radhakrishnan Salai,
Mylapore,
Chennai - 600 004.

Re: Case 4803307 - HSBC credit card No. [protected] – Name: Manish Arora

Sub: Incorrect charge on above mentioned card and inability of customer care department to handle this issue appropriately

Respected Madam,

I applied for Balance Transfer facility in July 2007. But due to amount approved was (Rs.12K) less then what I had applied for (Rs.16, 500), I called up HSBC customer care to request them to cancel this request and the draft. They informed me to do not accept the courier, which had already been sent out.

Issue Summary:


In July, I didn’t receive the draft and I informed HSBC customer care about the same. Later on, even after submitting request for cancellation and no accounting/usage of draft, I kept getting charged on statement.

History:

I called up HSBC customer care and on many occasions received calls from them (almost every month in 2008 until November), every time I explained them above mentioned complaint and asked them to investigate it and cancel the charge.


In November month, I received a call from HSBC recovery department from Delhi and we negotiated to settle this charge for a service, which I never availed. And I had to pay Rs.1, 000/- to get rid of this issue and harassment. I was assured by the collector that he will have the NOC letter sent to me. Thereafter, I stopped getting monthly statements or further calls from bank.


Harassment continues after six months:


A couple of weeks back I get a call after six months from HSBC recovery department in Bangalore. And it was very surprising to know that instead of settling this charge they are calling me again and I had to go through the same harassment again and explain him the whole history of this issue.

Yesterday, again I received a call telling that he is from HSBC legal department, threatening me to appear into Chennai court on 15th July or pay principal amount as out of court settlement. In case of failure they will issue a warrant against me.


I request for a proper investigation:

In stead of working towards the closure of this issue appropriately, when asked, customer care has kept harassing me and asking me for money. Because there should be an account payee draft in my name and I have not even encashed it.

I request you to please investigate the issue and clear the charges on above said account.

My relationship with other banks:

I had used many facilities of other banks such as Citibank, HDFC, SBI and Manhattan and I always have been a loyal customer of them. And mainly with Citibank, I had many loans, two credit cards, savings account and a personal loan account is still active. I always made payments to them on time because I know that I am using their service. And I never got any such debt chasing calls from them.

Enclosures:

I attach a copy of a) last HSBC card statement received, b) copy of receipt for payment of rs1000/-, c) request form for balance transfer facility and, d) email communications with HSBC customer care agents.

Awaiting a reply from you:

I would be more than happy to help HSBC bank in their investigation to provide with any further information from my side.

If HSBC customer care does not stop follow up calls or any further harassment, I shall be forced to file a case in Consumer Court against HSBC for this mental harassment I am going through.

I would really appreciate if you could please look into the matter immediately and ask other relevant departments to stop calling me and harassing me every time.

Thanking You,

Yours truly,

Manish Arora

My name default list of CIBIL

I applied for personal loan in HDFC bank .My personal documents verification all are ok but CIBIL not ok .I payed my due with in the date & i surrended my credit card in bank with bank recieved seal .That time i given a request letter to issue the No due certificate .There is no responace i calld to the customer care 100 time & above to issue the no due certificate the told me to call the card recovery department .Each and every time in customer care giving different no to call Here am listing below[protected],[protected],[protected],[protected],[protected],[protected],[pr...⇄ This month each and every day am calling to this all numbers they not responding.I meet the hsbc bank card section excecutive Mr .Karrupaya in coimbatore they thought me iam not incharge for that go to chennai credit card recovary department .I look at chennai credit card recovary department 2 times but they not responsing .I look at RK Salai branch Miss .Subha they thought me to mail the hsbc to remove the name .I mailed there is no responce .Am not getting the statement for last 11 months i informed to customer care .They not responding .Now my balance is zero .Please help to remove my name in the CIBIL .No other bank like fraud hsbc.Please help this is life .

My name default list of CIBIL my card no [protected] global classic visa

I applied for personal loan in HDFC bank .My personal documents verification all are ok but CIBIL not ok .I payed my due with in the date & i surrended my credit card in bank with bank recieved seal .That time i given a request letter to issue the No due certificate .There is no responace i calld to the customer care 100 time & above to issue the no due certificate the told me to call the card recovery department .Each and every time in customer care giving different no to call Here am listing below[protected],[protected],[protected],[protected],[protected],[protected],[pr...⇄ This month each and every day am calling to this all numbers they not responding.I meet the hsbc bank card section excecutive Mr .Karrupaya in coimbatore they thought me iam not incharge for that go to chennai credit card recovary department .I look at chennai credit card recovary department 2 times but they not responsing .I look at RK Salai branch Miss .Subha they thought me to mail the hsbc to remove the name .I mailed there is no responce .Am not getting the statement for last 11 months i informed to customer care .They not responding .Now my balance is zero .Please help to remove my name in the CIBIL .No other bank like fraud hsbc.Please help this is my life matter .I feel that goverment having any other control on credit card issues.customer are being harrassed by hsbc bank.My kind advice to all dont take credit card .

It seems to me that HSBC wants to close the operation and they have started harrassing customers and earn whatever they can before they colose Credit Card Business.

I have the similar cases where they do not own up their misdeed and instead start blaming you. I have made complain to the nodal officer and plan to take them to the court for such haarassment.

Please be in touch and let me know the out come of the case.

Regards
Vijay Kumar
[protected]

HSBC Credit Card — Recovary Department Harassment

Hello Sir,

I am getting call from recovary department asking to pay the amount which I already paid in HSBC bank.

On 11th April, 2009, I paid the total balance amount 48098/- (cross checked with bank for total amount) at HSBC bank in somajiguda, Hyderabad. I asked for the closing letter which they told, they will send through post. I have the payment receipt with me. On the same day i informed to the recovery department about my payment (As per bank employee suggestion).

After 6 month I got call from recovary department saying, there is a balance around 600 (late fee charges) and it become around 6000 after 6 month and asking to pay.

Is this process, To whom i need to compalaint about this. What is my next step ? They are talking all stupid words and as every body knows the recovary department is out sources and they are ready to do any thing.

Please suggest how to handle this.

HSBC Credit Card — HSBC Recovary Department Harassment

Hello Sir,

My Card Number is [protected] which is expired before my last payment.

I have all proof including bills.

I am getting call from recovary department asking to pay the amount which I already paid in HSBC bank.

On 11th April, 2009, I paid the total balance amount 48098/- (cross checked with bank for total amount) at HSBC bank in somajiguda, Hyderabad. I asked for the closing letter which they told, they will send through post. I broken the card and put it into the box along with my closing application date 11/04/2009. I have the final payment receipt. On the same day i informed to the recovery department about my payment (As per bank employee suggestion).

After 6 month I got call from recovary department saying, there is a balance around 600 (late fee charges) and it become around 6000 after 6 month and asking to pay.

Is this process, To whom i need to compalaint about this. What is my next step ? They are talking all stupid words and as every body knows the recovary department is out sources and they are ready to do any thing.

Please suggest how to handle this.

Hi,

One of my Office colleague was a constumer of HSBC credit card, he used the limit and shifted to Mumbai now one day he asked me my mobile number in Orkut, so I scraped it without knwing that HSBC collections agency is tracking him for months, I got lots of calls from the agency who said that my colleague whom i hardly know personally(Just office affairs) said that as I am in delhi i'd be paying his bill of 19000 rs. I called m colleague and asked abt this and he said that he didnt tell anything like this. The agency is calling me to pay his bill, now my concern is why would i pay his bill?. They are putting pressure on me by using filthy language and torturing me mentally. This is really something which is wrong. Did HSBC asked me before alloting him a credit card? Then why are they asking me by lying that my office colleague said i'd be the one who's responsible for the dues.

HSBC is a real bugger.. they delivered my credit card to someone else when I was abroad and when my house was locked. Now they claiming that I have used the card and put me in the CIBIL defaulter list. Stay away from HSBC...

Yes, best advise I can give anyone is to stay away from HSBC India.
My case is similar. I held an HSBC card a year back and now I got a notice from the bank asking me to pay around INR30k. I don't know from where it came from! The bank representatives are not willing to explain how the amount they are talking about got accumulated in the card I cancelled a year back! This is my second bad experience with HSBC Cards. I cancelled the card because of a similar such incident earlier.

my c/c no [protected] naresh gupta in this month bill charges of anuval fees 2000 n 1000 pl ser tax please reversal this charges and cansale the add on card also its not in use since long time

[protected] hyderabad

I am Mahavir Chouhan I have applied for the HSBC Credit Card from My company CMC ltd Delhi in month of april 2008 after 15 days I tranferd to CMC Ltd Kolkata and in month of may I got call from HSBC bank to pay the Balance . I dont know who received my credit card so I bocked my credit card and I hace all ready submit two time letter behalf of I din't receice my credit Card They din't do any thing now I send to my name in civil please do needful

Mahavir Chouhan

[protected]

Dear Sir/Madam,

Iam your existing customer of personal loan. My loan no. is[protected]. Now, i would like to change my address and i want my loan track sheet...I dont know' whom to contact'?Pl help me.
My contact no. is [protected]. Pl do the needful...

MY PERSONAL LOAN ACCOUNT NO.[protected]
I HAHE CHANGED MY RESIDENT/COMMUNICATION ADDRESS IS AS FOLLOWS:
PLOT NO 100, ESHWAR NAGAR, RAMNA MAROTI ROAD, BEHIND JATTEWAR SABHAGRUH, NAGPUR-440009.

I HAHE NOT RECEIVED ANY LETTER FROM MAR 2009. REGARDING MY LOAN.
YOUR COLLECTING EXECUTIVE VISITING MY RESIDENCE FOR PAYMENT.

sir i gt personal loan frm hsbc (pragati finace ) i need a preclosure letter of my loan so whom i need to contact i make a call customer care numbere there is a no response sir so please let him i need a preclosure lettere my contact no is :[protected]

Pragiti finance — Cheating

Dear sir,
pragiti finance of janakpuri had taken 10000 RS from me and said me that he will provide me a loan but he has cheated me.

Sir pragiti finance has cheated me by taking 10000 RS But they are not giving my loan amount

Sir,
I take apersonal loan from your kochi branch at Kerala my A/c no:[protected].
I want to know my repayment details and balance EMI's. plese snd me details t my mail adress. sunil.[protected]@gmail.com

Thanking you,

Yours faithfully

Sreevidya P

my loan a/c no. is[protected] and it is complited i need NOC and cheques i given to u. pls respond soon I need NOC urjent. ur indore branch is not co-oparating. I am not satisfied. HSBC is very irrisponsible and fails ever to provide good service as i noticed. they should take care of customer support.

sir I take a personal loan from HSBC (pragati finace) for 36 months. I want a letter of my o/s loan, I continuously call to customer care but there is a no response, so please let him i need ur contact no. preclosure lettere my contact no is :[protected] otherwise mail me . my ID is [protected]@rediffmail.com.

Matter is very urgent ...

Nilam

Hi,
I am facing the same problem. Even in my case, I had been committed by authorized person of HSBC, named Sachin Mohun. And when I deposited all the money they didn't close my account and every month they are still sending me statement with increasing amount. I just want to know "Is there any law for them". They are bluntly lying people and steeling our money. Why don't media and government do anything for this all after many deaths and suicide cases of poor and innocent people.

Manish Gogna

you are pappu..

Subject: Forgot personal loan account number.

Sir my complaint:

My name is D.V.S Ramesh. I have taken a personal loan from HSBC in 2007 May. My EMI will be from HDFC bank. I want to know my personal loan account number. What I have to do. I am providing my contact details below

Mobile: +91-[protected]

Email: ramesh.[protected]@gmail.com

Kindly tell me the proceedure

Sir my complaint:

My name is Manikandan. I have taken a personal loan from HSBC . My EMI will be from Bank of India bank. I want to know How to change my address. What I have to do. I am providing my contact details below

Mobile: +91-[protected]

Email: [protected]@yahoo.co.in

Kindly tell me the proceedure

This is the replay I have received from HSBS grievence cell-

Dear Ms. Aggarwal,

We refer to your email dated 11 June 2009 addressed to Ms. Sathya
Srinivasan, Nodal Officer HSBC-India, expressing concerns on your HSBC
Credit Card.

Our record indicates that your card account was levied with the annual
fee of INR 700 on 18 October 2008, due to the non payment of the same
charges were accrued on your card account.

We wish to inform you that a Lifetime Free Credit card would depend on
the corporate tie up between HSBC and different companies. Therefore,
we regret that we are unable to offer a Lifetime Free Card to you as of
now.

Hence cardholder is liable to pay the annual fee levied on the card
account as mentioned in the card service guide.

Referring to your query on non-receipt of credit card statements, we
assure you that dispatch of statements is given core importance by the
Bank, to ensure that the customers receive their statements on time.
Card statements are sent to all our customers regularly through the
Indian postal service, a system that works well.

Here, we draw your attention to Point 4 (E) under the .Billing. Section
of the Credit Card Services Guide, shared with you at the time of
issuing the credit card, which explicitly states:

Non-receipt of statement would not affect the cardholder's obligations
and liabilities.
Our records indicates that your card account was invalidated from
further usage with effect from 19 February 2009 and there is an
outstanding of INR 4, 553.78 as of date. We request you to make the
payment towards the same immediately inorder to avoid levy of charges.

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

Assuring you of our best services always,

Yours sincerely,

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

They are asking me the money for the card which I am not having. Please tell me where I can log a complaint against these credit card providers. If anyone has any idea please do let me know.