Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

I had a HSBC Silver credit card, which has expired one and half year back. Since last three year i never received any statement from HSBC in spite of several written request from my end. The card I have last used on Dec 2005 only. Here is summary of my complain ----

1. One and half year back HSBC approached me for a settlement of Rs. 21, 000/- being paid in two equal installment of Rs. 10, 500/-. After collecting the first installment of 10, 500/- from me they disappeared without giving me any statement or proof.

2. Despite of several mail for statement and collection of the remaining amount, HSBC never respond. Now HSBC is claiming that employee is no more with HSBC and for his mistake HSBC can't be blamed.

3. Now after one and half year HSBC again calling me and remaining amount of Rs. 10, 500 which was unsettled that time mounted up to 50, 000/- as per HSBC calculation. HSBC are threatening me and asking for the full money otherwise they will send letter to my present employer. Even I have referred this to RBI Ombudsment. Then also HSBC is creating all kind of nuisance stating that employee who was dealing with me earlier has left HSBC so for his mistake Banks can't be blamed.

4. Legally my dues to HSBC should be near about 8, 000/- but with their malpractices they have raised it 50, 000 and pressurizing to accept me Rs. 21, 000/- one time settlement. That clearly shows they are charging an interest which more that 100% p.a.

5. Even they are calling my parents and neighbour and trying to damage my public image. This things are happening for last 2 yrs although despite of several request they are not settling the matter and producing a proper statement.

The name of the contact person from HSBC side is Archana and Prakash Babu (ph [protected] / [protected])

In this matter i am requesting you take appropriate measures and refer this to higher authorities.

Thanks

Usnish Dutta

Ph: [protected]

I had a corporate Power Vantage account with HSBC,

Since our company started banking with another bank, we had to change our salary account. On August 4, 2008, I visited the HSBC bank MG Road branch and filled in the required documents for closing my HSBC account, and I was told that my account had been closed ( I also submitted my debit card and cheque book).

However, now I have been receiving mails from HSBC saying that there is a debit in my account, and I need to fund it. Please note that I was unaware that my account was still functioning, and I was not provided any intimation about the same whatsoever. I even filed a complaint at their call center (complaint no. [protected]), and I was told that I would have to go to the bank and fund my account of the deficit (Rs.4000 and odd) and get this done. Since this is an error from the bank’s side, I think it would only be fair on their part to close this account and spare me any further inconvenience...

HSBC Bank,
Credit Card Dept.
Mumbai May 07, 2009

Dears Sirs,
Sub: Credit Card A/c. No. [protected] – Vanessa Ambrose
I Vanessa Ambrose am writing in with an urgent request to close my account with you with immediate effect and issue me a No Dues Certificate. The brief background of my case is stated below.

In 2004- 05 your Sales Executive catering to UTI Bank Ltd. (now Axis Bank Ltd.) employees at Fort Branch, Mumbai offered a Credit card where in it was specifically mentioned that :-

1. Annual fees were waived since this was a tailor made offer for all UTI Bank employees.
2. Credit Card would be automatically cancelled if no transactions are made within a year.

Purely based on the two points mentioned above I was convinced to apply for a credit card for which I submitted my latest salary slip and pass port copy. Since I had not used the card even for a single instance and assuming the above two points were genuinely conveyed I duly returned the card after destroying the same for cancellation (no acknowledgement on record) to your Fort Branch, Mumbai.

Meanwhile my family had temporarily shifted its base from our permanent address Dadar, Mumbai to Goa and I have been married in 2007 and now reside at Borivali, Mumbai. We are surprised to find that account statements for non payment of credit card dues were being regularly sent by post / courier to my Dadar address.

It is with deep regret I have to inform you that since the past several months my parents who are back from Goa have been regularly receiving phone calls at odd hours from your recovery agents. This is causing them severe embarrassment and mental torture as your agents speak in a very demeaning manner. My parents have time and often explained the situation to your agents and even provided my mobile no. I am now informed that the card stands blocked but the account status is still live (Finance charges - Min. payment due 16, 151.57/-) hence I need to go personally to a branch to get it cancelled. I am unable to do due to personal & health reasons. Besides this is completely unethical from a reputed organization as yours to demand outstanding dues from me without even availing the benefits of your credit card & the card being duly returned way back.

In view of the above, I strongly urge to issue me a NO DUES letter since not a single transaction has been made by me, and I am not liable to pay any amount to you. You may please verify your records at your end as well meanwhile ensuring that NO CALLS are made to me & my family with immediate effect.


Anticipating a prompt response,

Yours faithfully,


Vanessa Ambrose

Hello,

Actually my bag was stolen on 24th April ' 2009 at London UK with all my credit card. So after that misshap was happened I called up American Express, ICICI bank to block my card and they confirmed me the blockage of the cards. But when I called up HSBC on 24th April itself ataround 10:35 PM IST they told me that already three transaction has been happened and they told me that they hadblocked the card on 24th April at 10:39 PM and also told me to raise a dispute against those transaction along with the police complaint and fax the dispute letter and the polic coplain to their fax number and told me to call back them to get the merchnat name for those three transaction after 3 days .

So when I called them after three days I was shocked to know that my card was not blocked on 24th April 10:39 PM but was blocked on 25th April 2009 at 10:39 PM and along with these 5 more transaction has happened, and the lady was just arguing with me .

Please do let me know how can I tackle this case as they dont provide any refernece number while blocking the card and also please do let me know how can I rasie a dispute against all those transactions that I had not carried out as I am having valid police complaint for the same .

Thanks
Kanad Das

I was the user of a HSBC credit Card . I purchased a laptop with the card amounting to INR 60k . The EMI cycle I subscribed to was 9328 INR for 6 months . I started my EMI cycle on the month of November . The fist 2 months were charged correctly but from the month of March i sudden;y saw 2 EMI cycles on my bills . I have called up the bank more than 10 times and they have agreed that I have been charged wrongly yet they havent taken a step to make corrections .
Please Note : I have been facing this trouble since the month of March 2008 and yet there is no action taken . Instead of making a correction they have deactivated my card on a record of Bad debts .

I request for an immediate action to be taken so that this confusion can be cleared .
I have all the bills to be submitted as a proof . Please let me know what is the next step to be taken .
Hoping for a quick action .

Thanks and Regards,
Devleena Bhattacharjee
[protected]

Dear Sir/Madam
I Mr .Nilesh a credit card holder of HSBC bank would like to launch a complaint against a faulty HSBC watch. I redeemed my 750 POINTS against an HSBC wrist watch. The points were redeemed in Jan 2009. I recieved watch in the month of Feb2009 end. I have not used that watch. Now the watch is not working. I showed it to the watch company nearby, they told me that the battery of this watch is OK, but the machine is faulty. I am a reputed customer of HSBC & my payments towards the credit card bill is on time.. By redeeming such a cheap watch, doesnt suit the reputation of an esteemed bank like HSBC. Please consider this case, otherwise I will have to stop this credit card of HSBC forever.

Regards,
N.V.Deshpande

Hi..
I had a HSBC Credit card 3 yrs back. I paid all my dues correctly on time. I lost my card and I raised a complaint in the nearby police station in bangalore. Before closure, I had a service charge of Rs 200 in my credit card. Now the HSBC credit card personnel calls me everymonth and says that my credit card bill is Rs 20000. Last month it was 15000 Rs..

How can I take an action against this. They are not understanding the situation. I told them that whatever bill you are producing now doesnt include any of my purchases. They say OK, but everymonth they call me with new increased BILL amount..

This is very bad. Please help.


Regs
Jawahar

1. One cheque dropped in wrong drop box. But collected at right time by HSBC. Second cheques also to avoid delay collected by Local bank. Both the cheques for same month deducted from my account. My bankers are apologetic for the error, since first cheque could not be returned. HBSC says once paid before a statement of account, whatever the reasons and actions have been money cannot be transferred to next month. Wherein I am prepared to pay the difference, if any.
2. In the month of September, 2008 a letter was sent in confirmation to deduction of my bonus points and despatch of gifts. Neither the gifts have reached nor the points deducted have been redeemed. The HSBC says forget about it. It is an old case.
Yours faithfully,
Major(Rtd) Dewan Taldar
Gold Card No. [protected]

Dear Sir,

I am sajid b khan, was having HSBC Credit Card ([protected])

There was a pending amount(of Renewal fees + late fee n tax), my card got expired on dec 2008. still you have charged us this much amount.the amount was near 6000/-.

On 13th April i got a call from HSBC recovery office Delhi, asking to make a payment, After a long talk i got agreed to close the dispute n close the relation with the bank as told by the executive, He has committed that if i make a payment of 1500/- then after 2 days i will get the letter from them that i am having no relation with HSBC any more. Next day on 14th got the call from mumbai office that a guy will come to collect he amount he came n collected the amount n gave me a receipt. after that again i got a call from delhi asking for the status of payment.

I waited for the letter for one week n then on Monday 20th I mail HSBC from my account stating the incidence, but till date they are asking for the proof which I have mail them on [protected]@hsbc.co.in from my gmail account, statement is reflecting the given amount but still there are trying to skip from it.

The calling guy name from delhi and Mumbai are as follow –
[protected] Deepak Choudary on 13th April 2009
[protected] Deepak Choudary on 14th April 2009
[protected] Angad Singh(Name of Collection), on 14th April, 2009

attaching the receipt copy along with

I heartily request you to kindly send me the letter which was committed by Deepak Choudary, regarding the closer of relation ship with the bank

Once again I request you to look into the matter and do the needful.

Your delight Customer

Sajid Khan.

Sir/madam, i am gold credit card holder of hsbc bearing No.[protected]. Since i am settled in Ambala Cantt (Haryana) there is no branch of hsbc in Ambala.I make my payments through checque on receipt of statement period ending 23rd of every month. Firstly the statement is rececieved late causing late dropping of CH in the drop box maintained by SKY Pack but 3to 5 dqays before the due date of payment.so the payment gets late some time by a day.As such so many charges are laid thereon, however those are withdrawn on pleading for timely droping of CH in drop box.But this month i have dropped the PNB ch.No. 702783 dated[protected] for Rs. 5311/-on[protected] in the same drop box at Ambala.The payment has been cleared by my bank on[protected].On[protected] i start getting calls from the csc hsbc and i informed each & every caller regarding the status of the payment made. it is of great surprise while i was making transection of material purchased from Bata Shoe Co through credit card it flashed a message on machine"DO NOT HONOUR" payment, as my credit card was blocked, for no fault of mine and in such a way hsbc for their own system failoure harrassed, tortured and gave a blow to my reputation.Which is inbearable., shall I lodge defamation case against the hsbc.perhaps i must.

Hi,

In 2006 We had received a proposal for Credit Card for all the employees of my organization. We were told by the HSBC Bank Agent that we will be given "Life Time Free Credit Cards" (No charges at all) and that the credit limit will be around Rs. 1, 00, 000 to Rs. 3, 00, 000.
However, when we received the cards, the credit limit was mere Rs. 20, 000. (I have other credit cards which have higher Credit Limits). So, I decided never to use this card at all. (I was least bothered as I did not have to pay even a rupee to use or not to use it).

In the mean time, I have not received any single statement about any charges, or any call or any E-mail notifying me about anything.

After 2-3 years, I received a call in the morning (26-27 April 2009) on other phone no. (I do not know how did they got this number?)(This is not on my name) stating that there are Rs 11, 300 due on my card. The caller was "Sayyad" from HSBC Bank. When I inquired about what these charges are about, he said he does not know that. This is "Legal" department. And I have to pay the charges. I said you must listen to my complaints before even asking me about the payment. He said that he does not time. When I said its OK, he can disconnect call. Then he clarified that he said "I (Amol) does not have time to wait and must pay the amount before 1:30 PM that day". Even after explaining that how I have been cheated, he kept asking for money. When I explained that I have never used the card, at that time, he gave exact details of all the expense (which were not available with him). The charges were as follows:
1) Annual Usage Charge: Rs. 750 for two years. (Not told to us at the time of issuing the cards).
2) Late fees on that.
3) Interest on that.

I explained that, it is clear that I have been cheated by HSBC Personnel. However, demand for money did not change. We talked about the minimum amount that I have to pay. I said I will give consideration.

However, I felt that I should not pay the charges and told him so. And then the person started threatening me that, I would be in 'Defaulter's list". I would not receive any loans and all. I said him that I have other bank's Credit cards as well. I have auto-debit for them. I have never been late for payments. So, I do not think this would affect me to such an extent.

Next day I again received calls with different name "Abanit", he impersonated as my friend and tried to talk to my family. However, when it was told to him that it is company's number, his language kept on becoming foul and foul. He even threatened saying that "he would cancel my US Visa".

I KNOW THAT I HAVE BEEN CHEATED AND I DO NOT WANT TO PAY THE CHARGES, NEITHER I WANT MY "CREDIT RATING" AT CIBIL TO BE AFFECTED AT LARGE. PLEASE HELP!!!

ALSO, (FOR ALL) HAVE DISCIPLINARY ACTION AGAINST THAT AGENT AND STRICT OBSERVATION OF COMPANY ACTIONS BY GOVERNMENT.

* Peculiar things about the whole incidence:

A) CONTACTING ME:
1) I was contacted on the phone which is in a different user's name. How and why should they call me on any other number.
2) For last 2 years, I did not receive any call, or any Statement by mail or E-mail.

B) CHARGES:
1) We were told that there would be no charges at all.
2) The credit limit was promised different and was given different.

C) LISTENING TO COMPLAINTS:
1) The person was not ready to help me out with my complaints. He just wanted money and that is all.

D) TIME TO THINK OR ACT ON THIS:
1) He was not ready to give me any time to think or complaint to the Customer Support at all. He said that he will send the person and he wants all money in cash in the afternoon.
2) Next day also same thing.
(If I was not supposed to have much time, how could he give me time on next day also.)

E) INFORMATION ABOUT CHARGES:
1) First he said he does not have any information.
2) Later he gave me all the details of charges.
3) All the charges are untold and false charges, late fees on these charges and interest on that.
4) Also, the amount kept on changing every time. Which was not clear why?

F) BEHAVIOR OF THE HSBC AGENT:
1) Impersonating ad using false and different names.
2) Not really ready to listen to my complaint.
3) Threatening language later on.
4) Use of Foul language even with females and shouting, arrogant and abusive language.
5) Calling continuously on that number for long time.

G) THREATS:
1) I would not get any kind of loan for next 7 years.
2) He will cancel my US VISA.
(This one is serious. Can these people do this? Even threaten about things that they can not do?)

I want help as I do not want to bear the loss because of being cheated and also do not want the credit rating to be affected.
Also, the behavior of these banks and agents to be strictly under observation and strict action against the agent.

Thanks!

dear sir my name is brijmohan sehrawat i have used a HSBC credit card no [protected] i have used this card last two years. i have purchase 20000 last year november 2008, or menay apnay total amount key 18 instalment banwey the menay 5 instalment pay bhe kar dey hain or ab wo mujh say total amount pay karnay ko bol rahay hain or unheounay mera intrest bhe kam nahe kiya hain main un ko every month 1304 rs key instalment pay karta tha after 5 instalment my total outstunding is balance is 18200 rs hain or ab wo mujh say 18200 rs pay karnay ko bol rahay hain jab mainay un say batt key main aap ko 13 month pehlay payment karunga to aap mera intrest cum karo to unehounay mujh say mana kar diya hain key wo intrest kam nahe hougay. mainay un say bola key aap mujh say instalment main he payment lo to unehounay mana kar diya hain marey marey job bhe chute gaye hain or main bahute pareshan hoon pls help me. main total payment 1 time main nahe kar shakta. pls help me.

Thanks & Regards
Brijmohan Sehrawat
From
Faridabad
contact no -[protected]

My card number is [protected].
I had payed my settlement amount a week ago in noida branch.

The concerned persons are mahendra chauhan ([protected]) and sudhashu ([protected]). They have being giving me all false promises with big talks that it will reach my office positively . Till date it has not.

These people also do not attend to my calls too.

what kind of service is this and you call yourself world's local bank? it is rediculous-----

what kind of action do you take against these kind of persons who are in service and have no commitment ? they are simply playing with customers and have no rights to do that.
Do your credit card recovery service lie on these kind of irresponsible people who are jeopardizing your comapny's name ?

Doubt these customer complaints have ever been taken seriously or they are just for the heck of it. If yes, then such people should be thoroughly grilled for their service level.

It was in Dec 2008 that i made a full and final settlement of the dues on my HSBC credit card. I even received a "Zero Dues" letter from HSBC dated 18th Dec 2008(ref:FFS/NI/NDH/WO/CPD/151208-1mc). 3 weeks back i received a call from a person calling from the no[protected] demanding why i had not paid up my dues. when i told him that i had cleared all outstanding and also have a letter from the bank, he demanded that i read out the letter. I was in the office and told him that i dont have the letter here. This agent then started abusing me in hindi saying that i had no such letter and i better pay up my dues. he also said he would call back the next day for the reference no of the Zero dues letter.I Immediately called the HSBC call centre in bangalore and lodged a complaint against this person. (complaint no [protected]). I am sure they are sleeping over the complaint.

Today i received another call from the same recovery agent this afternoon. He hurled abuses and was not even prepared to listen to what i had to say. then i was determined to lodge a complaint again. Holding HSBC credit cards are injurious to Mental health. It is not that They are doing us a great favour by giving us credit cards. We pay the interest also for the same. When we had the card it was a different torture. With the due date nearing, we used to get about 25-30 missed calls a day. One ring and it would stop. when we complained about this, they said that they were system generated calls( All these calls were from Chennai). Now when we dont have the card, we have to go through the same ordeal. WHY??

I have been reading all the greviences on this forum. Mr Mahendra Mahadev Sakpal has also written about being harassed by an agent from the same number more than 3 months back. i wonder if HSBC really takes these complaints seriously. In todays competetive world a little courtesy will take them a long way.

Dear sir/madam,
I am Anirban Bose, I have been using HSBC credit card ( Card No: [protected]) for the last two years. The card is going to expire this month (i.e. April 2009). I took this card because they said this is a free card, I don't need to pay anything for using this card. But the last statement they sent included a Rs. 700 membership fee and Rs. 72.10 service tax. When I called up their customer care they said this is not a free card so I have to pay the amount.
I need your help to come out from this problem. Don't know why do these banks give unnecessary bluffs to general public.
Thanks & regards,
Anirban Bose
Kolkata, West Bengal, India

sir,

my name is sudheesh, Iam holding a hsbc credit card classic

In 2007 i got a call from hsbc credit card section for issance of hsbc lifetime free card, representitive told me that its a lifetime free credit card there is no joing fee and annual fee, and no other hidden charges after that i confirm with hsbc customer care they also told me its life time free card.one year used last year they sended one statement and they put Rs 700 for annual fee, i called their customer care ask for this fee, at that time they tell sorry they made mistake then this amount reversed.now this year they put Rs 700 without proper communicationas primary card membership fee, again i called custmer care at that time they told me that hsbc is not yet given life time free card so you should pay this amount, he shouted me for paying amount, wat can i do.his name is prasad from chennai hsbc credit card section.banks are cheting normal people .i am a normal man, i am facing finacial tight.in this time what can i do, to whom i will contact to solve the problem. they told me verbaly i cant record so please take a action.

sudheesh

Hello HSBC,

I am credit card holder of your bank and while getting this card i had been told this is completely free for lifetime. I did not used this card because i was not in Country, when i back i saw some bills regardingoutstanding payments on my card. I called for an enquiry to Customer Care HSBC and they told me this card is closed from there end and i need to consult Collection Dept which is in Mumbai, i called that Mumbai branch they told me this not in there Collection Branch and provided new number of Pune Agency, i got three number from Pune Agency, I called these numbers, two numbers are wrong number and one number is keep on ringing but no one picks up the call, please find below numbers

Mumbai numbers
[protected] gaurav

[protected]Reshma

[protected] hemant

pramod /avinash/ swayam

Pune numbers
66011422
66029779/5
66029737/1

I just frusted, please stop these bills to me as i have not used this card i am not going to pay single penny for it.


Regards,

Manoj Mudholkar
[protected]

My name is Chirag Dilip Bhavsar. I was offered a credit card by HSBC bank, the only reason i opted for this card was that their were NO ANNUAL CHARGES. But my recent statement that i received from them contained the information about annual fee being charged to me.
Please help me and guide me with what approach should i take. Below metioned are the details of charges.

April 6, 2009 April 6, 2009 NSF FEE 1 ASSESSMENT 350.00
April 6, 2009 April 6, 2009 SERVICE TAX ASSESSMENT @ 10.30% 36.05


Thank you,

I attempted to withdraw 11k from my hsbc power vantage account on 17april around 00:14 hrs using a Bank of Baroda ATM located at the bowenpally branch near sikh village. The ATM came up with an error message stating that "Sorry we are unable to process this transaction at this time". Assuming that there is a fault with the machine I tried using different machines however I was unable to do so as the ATM's stated that i had exceeded my daily cash withdrwal limit. I checked my internet banking and found out that the 11k actually debited my account however i did not recieve any cash and I do not have a reciept as i chose not to recieve one while withdrawing the money. I am not confident that either banks will be helpfull in getting my money back asap. The problem is that I am supposed to travel to nepal in a few hours and I do not have ample money on me at all. I need this issue to be sorted asap

i am a HSBC CC customer for more than 4 years now, The bank follows up with the customer for there payements regularly, even if the payment is not been made before the due date there used to be many follow up calls to make the payyment. For the past 4 months i have not received any statements from the bank nor have received any follow up calls from them. I have made purchases of Rs 900 (nine hundred ruppes) approx and for that neither i had received any statements nor any follow up calls from the bank. after 4 months during the month of April 2009, I receive calls from the collections dept asking me to pay rupees 2715 for which i was really surprised. The bank customer care is not in a position to justify why the statement was not mailed & no follow up calls were done to me. The statement that they have now couriered to me after MULTIPLE CAlls to HSBC customer care is also not legitimate about the various charges.

Please help me, I am being penalised and harrased from the bank for no fault of Mine.