Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

Dear sir,

My card was retained in hsbc atm, contacting customer care, Iw as told within 5 days it will be sent .more than a month lapses not received. again contacted on 9th april c.care told card will be delivered. the courier boy dtdc came to my house on 11 april from ghaziabad, asked to show my i.d, I am an employee of Govt. PSU-Bharat Electronics Ltd.Ghaziabad, shown my photo i.d, which is regarded in all govt. deptt. for all purposes . but he not recognised and denied to give me and gone back. I talked his incharge, and took delhi office no., made a complain but I was not delivered. I request u to dont send through that courier only send through Govt. P & T deptt. Speed post.

N.L.Karan - [protected]
card no -[protected]

Dear Madam/ Sir,

In 2005 HSBC Bank issued a credit card to me under some scheme offered by them.
I used that card 2-3 times in Gujarat.
I am a social Activist and during tsunami time I was transferred to Andaman - Nikobar. After 8 month I came to Ahmedabad and I have settled a credit card payment of HSBC for Rs. 7000/- in one shot. And I have got the settlement letter on their letter head dated 07’Dec.2007 (HSBC Bank).
Authorized Collection Firm Name: Archi Agency
Name of the collector: Ashish P. Phaikh
Receipt No. CPD3 0033415
Now I came to know that they had escalated my name in CIBIL DEFOLTER LIST, which I feel is not correct.
Please help me out to remove my name from the Defaulter list with an immediate effect. And I seek justice to get my name removed from the CIBIL DEFOLTER LIST.
Please help me.
Thanks & Regards
Ms. Amrita Trivedi
B/84, Kirtisagar Apartment,
Near Prerna Tirth Derasar,
Satellite, Ahemdabad
Gujarat – 380015.

Hi,

I am having some trouble with the HSBC Credit Card recovery deptt (Infovision). I got a call asking for payment of an amount due for Rs. 10, 000 on my HSBC Credit Card. When i asked for the details of my account as to what has been levied upon me for which i need to pay back, there is no information on it. They just say that i need to pay an amount of Rs. 10, 000 to the HSBC bank.

Initially, on Feb'09, they called me, and asked to settle an amount of Rs. 10, 000 on my Credit Card, and after quite a bit of talk they settled it for Rs. 4, 400. I paid this amount, and after a month (Mar'09), i again get a call saying that there is still a debt of Rs. 10, 000 pending on the same card. When i explain to him that i have already settled it at an amount of Rs. 4, 400 as suggessted by their Customer Care (HSBC - Infovision), they are not ready to accept it. On asking for the details of the credit card purchases, they just put a big 'NO' on it. When giving them the receipt number of the payment done, they say that i need to pay an amount of Rs. 7, 000 now (It sounded strange, as they were not having the details of my account and the amount i paid until i informed them).

Moreover, this card was with me around one and a half year back (Oct'07), and before closing it, i had paid the amount and asked for closing. HSBC did not close it, and i never received any communication on it (through e-mails or phone or letters) and now suddenly after one and half year they come back on it. I am confused what to do, as settling with the rest amount (i.e. Rs 7, 000) is not making much sense until i know what was it that was left and why i was not communicated before through mails on this and when they have already asked me to settle it before for Rs. 4, 400, then why they are coming back on it after a month. If this is the case, then i'll keep continuing to pay them without any details of what i am paying for.

Please help me regarding this as to what action should i take up on this.

I, Pooja Kharbanda having credit card number [protected] has applied for the cancellation of card on 31st Dec 2007 and called up around 10-20 times at cancellation department for cancellation of card but the status was not updated by them and card was not cancelled.

HSBC have charged annual fees of around Rs. 2000 on this card which was not told by us at the time of issuing the card and no bank is charging annual fees then how come HSBC charging annual fees and moreover the service is also worst.

I have already called up at customer service/ agency 10-20 times to cancel the card and reverse the amount but they have not taken any action, I am really pissed up with all these stuff, getting calls daily to pay this much amount.

I have not used this card even and the amount has been clubbed to around 6000+ after charging late fees on this annual fees payment. I called up many times to collection department to waive off the charges and clear my account but that is of no use and they talk very rudely and using abusive language.

I have forward this case to nodal officer also but not yet got any satisfactory response.

I am getting calls from collection department to pay this bill but I am not going to pay even a single penny as this is not genuine amount to be paid because I have not made any transactions from this card after I applied for cancellation of card.

HSBC is losing this to there competitors who at-least understand there customers and try there level best to solve there grievance and make them loyal and a part to there big family.

Now at present I am getting numerous HARASSMENTS and THREATENING CALLS from HSBC on the dues of my account. I am holding the amount asking them to release the itemized statement to check transaction of my card but they are not providing any details but I know it is the annual fees they have charged of Rs 2000 inspite of cancellation request given to customer services many times.

Even, they called at my landline no. and use very abusive language with my family members which is not acceptable on behalf of HSBC staff, they don't have courtesy to talk to the customers.

Keeping the above facts in view your goodself is requested to help me out of this problem as I am mentally very disturbed with this.

I request you to do the needful and clear my account by reversing the whole amount otherwise I will have to esclate this issue Banking Ombudsman for mental harassment.

This letter should not fall to deft ears. This is a plea from a bleeding customer.

Pooja Kharbanda
[protected]

i had a HSBC credit card with 20, 000/ limit in the year 2002-03, but one evening when i went to patwardhan park at linking road khar west along with my family. i lost my entire valet which included pan card, driving licence, approx 3000/- rs. cash and also a citibank credit card. by the time i came to know it was 9:00 pm. & satuarday too, but still i went too hsbc branch at pali hill bandra and tried to cancell the credit card online. but the phone was kept on hold for 10 minutes. then i kept the phone n went to khar police station and the took my complaint by giving me a lost certificate. After tt i went to sleep tt night. But the same night somebody who found/robbed the card used at the petrol pump & n filled petrol for Rs. 3900/- approx.. Now the bank is sending me the statements since 2003 . so pls help me out in getting out of this mess.

ANAND PRAKASH
(Advocate High court)

Off: 2 satendra Bhavan new nagardas road andheri east Mumbai 400069
Resi: 603, Gemini CHS Ltd. 29, Mayur Nagar Aarey colony Goregaon East Mumbai 400065




SUB: COMPLAINT REG. THE HARRESMENT OF HSBC CREDIT CARD AGENT.

Dear Sir,


I ANANDPRAKASH, resident of 603, GEMINI CHS. LTD. 29, MAYUR NAGAR AAREY COLONI MUMBAI, and is ADVOCATE HIGHCOURT by profession and having office at andheri east, mumbai. I am holding a credit card of HSBC BANK, and there is some amount due in the card, which I already discussed with the bank and promised to pay as soon as possible.


But the agent of HSBC BANK named SATISH, has been calling me since many days from the mobile no. [protected] and 32711019 claiming that he is from HSBC BANK.
I told him humbly that I will pay all the dues and settle the account in next month as discussed with the bank.


On the 7th April 9, 2009 the same person claiming that he is local gunda and is using most abusive language and threatening for dire consequence if I don’t pay the the entire amount immediately. he is using word like “madarchod, kutta and public me nanga karke marega”. Today by evening he told that he will come tomorrow morning and “ gand marega” like that.

Since I am receiving these threat calls I have lost my peace of mind and my family life is totally disturbed. So I would like to request you register the complaint in the appropriate section under Indian penal code and take legal action as soon as possible. And save me and my family from this gunda.


I have been living in panic that’s why I contacted array police and explained all the matter to the police officer but after 2 hour he was ready to write NC COMPLAIN .
And in the mean time two unidentified person had visited my residence 10.30 night on 7th April 9, 2009 claiming false name .


On 8th April in the morning 9.51 a.m. some one claiming as a hsbc agent called up and again threatened me from the phone no [protected].

I say that I am living in panic for several days and lost my health and started feeling pain in my chest . here I am attaching the HEART REPORT of stress test.


Again at last I would like to request the authorities to register the FIR under appropriate section of IPC and take action against the criminals.




Yours faithfully DATE 08/04/2009

ANAND PRAKASH
(ADVOCATE HIGHCOURT)
[protected]/[protected]

To, HSBC Credit Card department

Dear Sir,

Ref. Card No. : [protected]
SUB: - HSBC Credit Card & your department of phishing system.
- Close this credit card account with immediate affect and clear your all unwanted charges.
- I never used your card and it’s not printed with correct name.
- You never change this name and allowed me to use this card.

Your bank is making fool o[censored]s and by force giving a credit card, later you don’t keep any promises as you did while phoning to force a credit card.
And if we try to contact you for some way then a phone call person will tell you to go to any branch and branch will tell you to call the phone line.
Finally without making any effort of giving any service, you just want to settle the account which has been created on paper for not giving any service.

It’s all started from Oct to Dec 2006, when I was getting a regular unwanted call for HSBC card for life time free. You keep forcing and disturbing me and I keep avoiding it.
Finally I agree for life time free card with add on card, credit limit up to 1.5Lac, with life insurance and medical insurance for 5 Lac and so on.
Your staff asked only copy of Rashan card & any credit card statement, later they wanted my running credit card photo copy in front & back, so I refused and asked them to cancel my application, since it was not possible for me to give such information and you can’t make my card without this.
But later you made it without any other proof.
And I got this credit card in August 2007.
This card was printed with wrong surname. HANDA and not my real surname HADA.
The limit was also very low (only Rs. 33000).
So I try to made call for this, but even after waiting for over 15 minute to 30 minute on customer care number, we can’t get any one online, but we are only listening your advertisements and mind that this is a paid line.
And when I got some one than they say that I should contact and nearest branch, and when we contact the branch, they said that I should contact the customer care number or contact online.
Finally I send a mail to online about the credit limit and the wrong surname printed on card.
This was on Aug 2007, and I got reply for the cash limit that you can’t help it, but no reply on wrong surname.
Later I send a mail to cancel the card since it is not up to my requirement, but no reply for that.
Month of Sept 2007, I traveled out of India for business. Later I was called by my wife to tell me that the HSBC has sent a statement for payment.
This was included
- Credit Shield Proc Fee, (every month)
- Repayment protection fee (every month)
- Service tax (every month)
- Late payment for above of every month
- Yearly payment for the card

I asked my wife to call them and tell them regarding the above all, and where it’s come from.
They were asking her to tell me to call and make request personally to wave it. It was not possible for me. (from international call to hold for over 30 minute)
She also told them that I have already requested this card to cancel, so how come suddenly this statement comes after few months?
They send again one more statement with waving all the charges.
Later we did not received any statements until Sept 2008 with opening balance of Rs. 1812.59, now this has started till date (Feb 2009).
All these while HSBC bank keep calling for so many kind of loan, and call can be 3 to 5 times a day.
Mind that my phone line was registered with DND, yet I get call from HSBC bank.

Please tell me why should I pay anything for :
- Not using this card for any reason
- Not buying anything from them as a loan.
- It was forcefully given to me
- It is a false surname printed on card
- After giving a life time free card, they are charging yearly fee and around Rs. 33.00 per month, just because you need a customer and need to make money out o[censored]s?

This march 2009, you have multiply the statement to Rs. 5, 507.65

Please stop all this, and cancel this account as I never used you card and this account.
Please don’t tell me to pay anything for such phishing business.

Hope to get some positive reply soon.

Best regards
Brijraj Hada

Now a days credit card banks started cheating their customers. Sir pl. go through the series of correspondence between HSBC bank and myself. details are attached with this mail.

Requesting your kind intervention to get me out of this mess.

prafulla d mahulikar

[protected]

******Attachement*****

[My Query]
----- Forwarded message from [protected]@bheledn.co.in[1] -----
Date: Thu, 05 Mar 2009 16:40:14 +0530
From: "PRAFULLA D MAHULIKAR " <[protected]@bheledn.co.in[2]>
Subject: Breaking relationship with HSBC credit card ([protected])
To: [protected]@hsbc.co.in[3]

I am your credit card holder from aug 2007. I feel sufocated with HSBC bank and have following complaint.

1) I am not getting statements whenever I use credit card, so that you can charge penalty.

2) Last 3 months and this months also I did not receive any statement(neither postal nor electronic media)
even giving complaint four times to 4 different HSBC caller's. They asks bill amount without statements.
Last time I dropped a cheque of 13000/- without bill and wrote a letter along with cheque. Checque has been
withdrawen but no reply for statement.

3) Your phone caller are aurogant people.

4) I will get a bill statement when there is no amount outstanding.

5) Even there is no grievences redressal email id on the statement. Most of the credit card bank like Standard
chattered are having. To find this address I had to login to your webside.

6) In view of above I do feel of getting cheated and would like to discontinue your credit card services.
I do not want to pay any amount because you would have charged lot of penalties and interests by your mistakes,
but as a gentleman I will not do that.

7) I am breking your credit card into pices and sending to you with hard copy of this mail. You pl.send bill
statement via any media.

regards

prafulla d mahulikar

==========

[Acknoledgement from HSBC]
----- Forwarded message from [protected]@hsbc.co.in[4] -----
Date: Thu, 5 Mar 2009 19:14:31 +0800 (HKT)
From: "HSBC INDIA NET" <[protected]@hsbc.co.in[5]>
Subject: Breaking relationship with HSBC credit card ([protected]) (KMM3170091I123L0KM)
To: "PRAFULLA D MAHULIKAR" <[protected]@bheledn.co.in[6]>

Dear Customer

This is an acknowledgement for your message received by HSBC India. We
will reply to your email shortly.

==========

[Reply from HSBC]
----- Forwarded message from [protected]@hsbc.co.in[7] -----
Date: Fri, 6 Mar 2009 21:22:07 +0800 (HKT)
From: "HSBC INDIA NET" <[protected]@hsbc.co.in[8]>
Subject: Your HSBC Credit Card ****6227 (KMM3182510I123L0KM)
To: "PRAFULLA D MAHULIKAR" <[protected]@bheledn.co.in[9]>

Dear Mr. Mahulikar,

Reference Number: [protected].

1) We refer to your email message dated 05 March 2009 regarding your
credit card statement.

We take this opportunity to inform that to enable our customers to
receive their statements on time, we use the "Business Post" facility of
Indian Postal Service, which guarantees timely delivery. However, due to
some unforeseen circumstances, there may be a delay in receiving
statements. We regret for the same.

Further, we request you to contact our Customer Service Officers incase
you do not receive your card statement within twelve days from your
billing date which is eighteen of every month.

A complete list of our phonebanking numbers is available at
http://www.hsbc.co.in/in/personal/phone.htm[10]

Alternatively, you can obtain your balance, minimum payment due and
payment due date by accessing any of the HSBC ATMs in the country.

We are glad to inform you about the E-statement facility which is now
being offered to Credit Card customers. We request you to register for
our internet banking services to avail this facility. Once this option
is selected you will receive your statement on the day it is generated,
thus avoiding postal delays and statements being misplaced. We will
appreciate if you would register for the same.

We have arranged to dispatch the duplicate paper statements from
December 2008 to February 2009 to your mailing address as updated in our
records and the same will be delivered to you within seven working days.

According to the statement generated on 18 February 2009 the total
payment due is INR 17, 531.05 and the payment due date is 12 March 2009.
We request you to effect payment towards the same to avoid the levy of
any incremental charges to your card account.

2) We would like to inform that in case you are not satisfied with the
service or response you can write to the address mentioned below with
your query:

Please write to

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

Email: [protected]@hsbc.co.in[11]

You will receive a response within a period of 7 working days of Mrs.
Srinivasan receiving your complaint.

OR

You may contact the Nodal Officer Team at the following contact number
between 09:30 AM to 06:00 PM, Monday to Friday.
Ph: +[protected]

Please quote the reference number (if any) pertaining to your earlier
contact with the Bank on the same issue, in all your interactions with
the Nodal Officer Team and above.

3) We request you to revert confirming blocking the card for security
purposes in case you have destroyed the same.

Further, in the interest of security and to maintain confidentiality, we
request you to not to mention your credit card number in any e-mail as
it is an unsecured form of communication.

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

Yours sincerely,

Nabeela Ali
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited
===========

[My Query]
----- Forwarded message from [protected]@bheledn.co.in[12] -----
Date: Fri, 06 Mar 2009 20:02:20 +0530
From: "PRAFULLA D MAHULIKAR " <[protected]@bheledn.co.in[13]>
Subject: Re: Your HSBC Credit Card ****6227 (KMM3182510I123L0KM)
To: "HSBC INDIA NET" <[protected]@hsbc.co.in[14]>

Sir/madam

Your reply is not satisfactory due to following reasons:

1) You have not mentioned minimum ammount due and telling me to do something else to achieve that.

2) You smart enough to regret the delay in not receiving the statements (Actually it is sending and not receiving).
The term "DELAY" ensures delevery of statements late (how many days?), but I am confirming I did not receive from
last three months (delay cannot justified for 3 months). Whenever amount was to be paid 0.00 RS, I was receiving the
same . Can you give me audited documentary prove and explain me why? Your executives were also regreting the same way
during telephonic talk but because of your fault I had to pay the penalties. Now also I have to pay the penalty till I
receive the statement. earlier Iwas putting the cheque at least eight days before 12th of the month, but you were showing
in the next statement one day late with penalties for late charges. This is accumulative unhappiness I am expressing.
Small mistakes can be forgiven. I am also holding a responsible post in big organisation having M. Tech qualification.
I know very well what is buisiness, but you are doing it in dirty manner.

3)You are sending duplicate copy of the statements (again chargeable) of which I did not receive original one.

4) Everybody will not have sufficient time all the time to follow other alternatives of which you are taking due advantage.

5) Please take this mail as to do whatever neccessary to discontinue the card services. I do not want to renew it again
for which date is august 2009. Please do not send a card again to me, otherwise I will have to take this matter to higher
up including TV show "Paheredaar".

All the best for your business.

An unhappy customer

Prafulla D Mahulikar
===========

[Acknoledgement from HSBC]
----- Forwarded message from [protected]@hsbc.co.in[15] -----
Date: Fri, 6 Mar 2009 22:37:18 +0800 (HKT)
From: "HSBC INDIA NET" <[protected]@hsbc.co.in[16]>
Subject: Re: Your HSBC Credit Card ****6227 (KMM3183151I123L0KM)
To: "PRAFULLA D MAHULIKAR" <[protected]@bheledn.co.in[17]>

Dear Customer

This is an acknowledgement for your message received by HSBC India. We
will reply to your email shortly.

===========

===BUT REPLY NOT RECEIVED===

===========

[Again My Query]
----- Forwarded message from [protected]@bheledn.co.in[18] -----
Date: Sat, 21 Mar 2009 12:54:49 +0530
From: "PRAFULLA D MAHULIKAR " <[protected]@bheledn.co.in[19]>
Subject: Re: Your HSBC Credit Card ****6227 (KMM3183151I123L0KM)
To: "HSBC INDIA NET" <[protected]@hsbc.co.in[20]>

Sir/Madam

No reply yet?

After so much follow up I received long pending 3 months bill statement that too zerox copy.

Followings are the comments on the bill.

A) bill dated 19nov08 to 18dec08

1) I have not received the bill statement at proper time because you have not sent it.

2) I paid 13000.00 check blindly but bill was 13484.53. I could have paid entire ammount if I would have received
the bill as 13484 and 13000 no much different and avoided penalty and interest.

B) bill dated 19dec08 to 18jan08

1) I have also not received this bill statement at proper time because you have not sent it.

2) I was not awaire of old dues and thought I would have paid entire ammount because of non availabilty of old bill statement.

3) So whatever penalty and interest is not valid

4) 17 JAN finance and service taxes are duplicated, so your bill statements are biased and not errorfree.

C) bill dated 19jan08 to 18feb08

1) I have also not received this bill statement at proper time because you have not sent it.

2) I was not aware of old dues because of non availabilty of old bill statements.

3) So whatever penalty and interest is not valid

4) 12 feb and 18feb service taxes are duplicated, so your bill statements are biased and not errorfree.

In view of the above discrepancies and intentional neglegence from your end, I am not going to pay the
penalties and interest that you have charged in all three bills. I can pay only the amount I have used for buying.

Therefore you are requested to prepare and send me the original new bill for the amount I have used for
buying purpose reverting back all the penalties and interests.

regards

Prafulla D Mahulikar

[Acknoledgement from HSBC]
----- Forwarded message from [protected]@hsbc.co.in[21] -----
Date: Sat, 21 Mar 2009 15:35:06 +0800 (HKT)
From: "HSBC INDIA NET" <[protected]@hsbc.co.in[22]>
Subject: Re: Your HSBC Credit Card ****6227 (KMM3320302I123L0KM)
To: "PRAFULLA D MAHULIKAR" <[protected]@bheledn.co.in[23]>

Dear Customer

This is an acknowledgement for your message received by HSBC India. We
will reply to your email shortly.
==========

[REPLY FROM HSBC]
----- Forwarded message from [protected]@hsbc.co.in[24] -----
Date: Sun, 22 Mar 2009 18:37:28 +0800 (HKT)
From: "HSBC INDIA NET" <[protected]@hsbc.co.in[25]>
Subject: Your HSBC Credit Card**** 6227 (KMM3330252I123L0KM)
To: "PRAFULLA D MAHULIKAR" <[protected]@bheledn.co.in[26]>

Dear Mr. Mahulikar,

Reference Number[protected]

We refer to your email message dated 21 March 2009 regarding your HSBC
credit card.

As per statement dated 18 February 2009, your outstanding was INR
17531.05 and due date for the same was 12 March 2009.

Your account has been levied with a late payment fee due to delay in
receipt of this payment. This has been illustrated in the Credit Card
Services Guide shared with you at the time of card issuance.

?With effect from 05 March 2009, the Late Payment Fees will be revised
to 50% of Minimum Amount Due( subject to a minimum of Rs. 400 & a
maximum of Rs. 750 per month?.

As a service gesture, we have reversed the late payment fee of INR
800.00 along with the service tax levied and the credit will reflect in
your ensuing statement.

We are sorry that we cannot reverse the finance charge levied towards
your card account, Interest - free credit is available if the entire
billed amount is settled by the payment due date. If part payment/no
payment is received by the due date, the outstanding amount from the
date of the statement attracts finance charges at the rate of 3.1% per
month for Gold credit card and 3.2 % per month for Classic credit card
respectively.

Additionally, all new transactions also attract a finance charge from
the date of posting into the account once the account uses the extended
credit facility. The finance charge is debited on the last day of the
billing cycle and is applied using the "average of daily balance"
method.

Your Credit Card statement is generated on 18 of every month. While
generation and mailing of the statements are controlled at our end,
there may be instances when you receive a statement late to your mailing
address due to unforeseen postal delays. If you do not receive your
statement within 12 days from your billing date, please contact our
Phone Banking Service on the telephone number on the reverse of your
Credit Card.

HSBC also offers e-Statement facility for credit card customers;
statements will be available on your secured Internet Banking id for
your view anytime. You can view your statement without any delay on the
day it is generated.

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

Yours sincerely,

Priyanka Chatterjee
Customer Service Executive
The Hong Kong and Shanghai Banking Corporation Limited
==========

[MY QUERY]
----- Forwarded message from [protected]@bheledn.co.in[27] -----
Date: Sat, 28 Mar 2009 14:46:18 +0530
From: "PRAFULLA D MAHULIKAR " <[protected]@bheledn.co.in[28]>
Subject: Fwd: Re: Your HSBC Credit Card ****6227 (KMM3183151I123L0KM)
To: [protected]@hsbc.co.in[29]

pl. send me this month statement after reverting penalties and interest charges.
I am ready to pay whatever I have spent only. Already I was victim for your penalties
and interest charges and paid too but came to know late regarding your style. I am
presently at outstation and will be most of the time.Your mr. vishal called me from
this no[protected] and used unparliamentry words. This is not healthy sign.
If this issue not closed this month then I am going to take up this issue any level
including tv channel. you have not given pointwise replies whatever mails I have sent to you.

Neither I have approched for your credit card and nor now I am interested.
somebody from your side stood in front of 2000 employee company gate and gabbed this
aportunity. i will not allow this in future.

regards
=============

[ACKNOLEDGEMENT FROM HSBC]
----- Forwarded message from [protected]@hsbc.co.in[30] -----
Date: Sat, 28 Mar 2009 17:27:41 +0800 (HKT)
From: "HSBC INDIA NET" <[protected]@hsbc.co.in[31]>
Subject: Fwd: Re: Your HSBC Credit Card ****6227 (KMM3392188I123L0KM)
To: "PRAFULLA D MAHULIKAR" <[protected]@bheledn.co.in[32]>

Dear Customer

This is an acknowledgement for your message received by HSBC India. We
will reply to your email shortly.
=============

[REPLY FROM HSBC]
----- Forwarded message from [protected]@hsbc.co.in[33] -----
Date: Sun, 29 Mar 2009 15:57:32 +0800 (HKT)
From: "HSBC INDIA NET" <[protected]@hsbc.co.in[34]>
Subject: Your HSBC Credit Card ****6227 (KMM3400195I123L0KM)
To: "PRAFULLA D MAHULIKAR" <[protected]@bheledn.co.in[35]>

Dear Mr. Mahulikar,

Reference Number:[protected]

1) We refer to your email message dated 28 March 2009 regarding payments
and fee that are incurred on your HSBC Credit Card.

We take this opportunity to inform that late payment fee is levied due
to delay in receipt of payment. This has been illustrated in the Credit
Card Services Guide shared with you at the time of card issuance.

?With effect from 05 November 2007, the minimum Late Payment Fee on HSBC
Credit Cards is INR 400 or 30% of minimum amount due (the higher of,
subject to a maximum of INR 600)?.

Further, the minimum payment due each month is 5% of the closing balance
indicated on your statement.

Finance charges will apply when there is part payment / non receipt of
payment against the outstanding balance and this charge is calculated on
the total value of the outstanding balance from the date of the
transaction at the prevailing rate of interest as decided by the bank
from time to time and these charges are debited to the account on the
last date of the billing cycle using the ?Average of daily balance
method?.

All new transactions will also attract a finance charge from the date of
transaction once the ?extended credit facility? has been availed.

As a one time service gesture, we have reversed the late payment fee of
INR 400.00 levied and the credit will reflect in your ensuing statement.

We regret our inability to reverse any further charges levied as the
same is due and payable. Please make complete payment towards your card
outstanding on or before the payment due date to avoid levy of finance
charges and late payment fee.

For a full listing of our revised tariffs you can visit the below URL:

https://www.hsbc.co.in/1/2/personal/credit-cards/credit-cards-service-gu[36]
ides-and-tariff-sheets

2) We would like to reiterate that non-receipt of statement would not
affect cardholder?s obligations and liabilities as mentioned in the
cardholder agreement. Hence the incremental charges on your account are
valid.

3) Please note that whenever the Bank offers credit facility to its
customers, we offer a Card Service Guide detailing the repayment
process, tenure and periodicity of repayment. However, if you do not
adhere to repayment schedule, a defined process in accordance with the
laws of the land will be followed for recovery of dues. The process will
involve reminding you by sending you notice or by making personal visits
/ phone calls and / or repossession of security, if any.

Our collection policy is built on courtesy, fair treatment and
persuasion. We believe in fostering customer confidence and long-term
relationship.

In order to avoid the collection calls, as an effort of the bank in
recovery of dues, we request you to please effect a minimum payment
towards your credit card outstanding balance regularly.

The total outstanding in your card account is INR 17, 863.50 as on date.

Please feel free to write to us for further clarification.

Yours sincerely,

Nabeela Ali
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited

I have made all the payments of my HSBC Credit Card (Visa) but the Bank keeps on sending me reminder month after month with escalating interest. The last payment made was in Oct. 2007 for Rs. 20, 300/- against my all dues for my credit card. On calling their Phone banking no.[protected]/ 67115687/ 67115639/ 67116251 no satisfactory answer has been given to me. Every contact person has been redirecting me to some other no. including[protected]/ 67116115/ 67115682/ 67115650. Finally I was given the no. of some Gaurav Mehra and his cell no. [protected]. The no. just keeps on ringing and no body picks up the phone. I do not know what to do?

P.K.Saith
Cell: [protected]

Hello All,
My name is Meera Adolf Timmins, I have a personal loan with HSBC loan #[protected]. I closed my salaried account with HSBC in January '09 and hence requested HSBC to draft the EMI from my HDFC account.
The date for the ECS is 5th of every month, however due to the change HSBC decided to take out the money from my HDFC bank on the 1st causing my other cheques to bounce and this is happening every month due to which I am incurring charges month on month.
When asked HSBC Bank why has the ECS date changed, they informed me that since the bank from which the EMI is withdrawn is no longer HSBC the date has changed to the 1st of every month and this was all done without prior intimation.
I then requested for a copy of the original contract for my reference and sent several emails to the HSBC customer service department and also to the nodal officer; however everyone in HSBC Bank has failed to resolve the issue.
I request for your assistance in resolving this issue with HSBC Bank and getting a reimbursement for the charges that I have to incur due to the negligence and incompetence of HSBC Bank.

I also would want HSBC Bank to remove any negative reporting done to the credit bureau with reference to this loan as I am in no violation of the agreement and to cease and desist from contacting me until the above issue is resolved.

After series of plea to the HSBC Customer care team and the HSBC dispute department to sort out a credit card dispute is in vain. The HSBC credit card that I was holding is since 07/2004 having Card number: 4384 XXXX XXXX XXXX. (Expired on 07/2006 )

1) Jun 2005 - I moved to USA and used to access my HSBC credit card account thorough online banking. However after some days HSBC made compulsory use of secure digital device for login into online banking. When I requested HSBC Customer care team to send me the device at my USA address, I was said this can not be delivered to USA address. So I was not able to login to online banking for my credit card. Hence I requested customer care to cancel my card as I was not able to see the transactions in my account. I also ensured that there is no outstanding with my credit card account and was confirmed the same from customer care. Also I was confirmed the request has been taken care and the card will be cancelled.

2) Jun 2007 - When I came back from USA, I called up bank to issue me a credit card and to my surprise there was an outstanding of amt Rs. 112944.00 and following this I received a letter from HSBC to pay the dues. After my discussion with customer care team, I was advised to send a written letter to bank mentioning my concerns.

3) 07 Aug 2007 - I submitted a written application to bank mentioning my concerns.

4) 31 Aug 2007 - I got a response from Bank which was not true for my account and was advised to contact Mr Himanshu Bhattacharjee on[protected] towards settlement of outstanding dues. I called up Mr Himanshu and after waiting for 3 months and calling many times, I was said, this is very old a/c and it is closed and will receive a call back from HSBC. But no one from HSBC called me.

4) Finally I registered a complaint with Banking Ombudsman regarding this issue but did not receive any satisfactory response as they wanted an written evidence to prove my request for cancellation of my card. (P.S - I have cancelled 3 credit cards so far but do not have any written evidence. I used to call customer care and the request has been taken care of.)

5) 04 Feb 2008- Received a letter from HSBC saying the renewal card was delivered to my mother (She has never been to Thane, Mumbai in her life) which is not true and 3 transactions were mentioned in the letter and those transaction dates are in month of Aug 2006 which is after expiry of my credit card which I was holding.

Here is my concern-
 I requested customer support team to cancel my credit card after I reached abroad and I was confirmed that the card has been cancelled.
 If the card was cancelled, then why the renewal card was sent to my address?
 None of my family members was staying at my address during my absence in the above mentioned periods (Jun 2005- Jun 2007), so the question is how it was delivered to my mother at my mailing address though she was not available here.
 Also When I received my HSBC card for the first time, I was asked for Photo ID card by the courier person. Then why the renewal card was delivered without seeing my photo id?
 Also I updated the bank my USA address along with telephone number before canceling the card. But the bank never contacted me at my USA address or called me. Only when I came back to India and called up bank, I came to know there is an issue.


6) 25 Feb 2008 - Banking Ombudsman advised to approach some other forum for this issue.

7) Sept 2008 - I moved to USA and came back in March 2009,

8) March 2009 - I received another letter from HSBC for an outstanding amount of Rs. 229, 209.77 from the bank.



To put a note to this I just wanted to inform that I do not have any outstanding dues from any bank so far.

 I had 2 Personal loans from Citibank and Standard charted and Loan accounts closed successfully after the payment.
 I had Credit card with ICICI, Citibank and Barclay. However now I have cancelled these credit cards after this issue with HSBC and there is no outstanding. Also I do not want to go through the mental harassment like this by using these credit cards.
 I have a home loan with ICICI bank and installments are being paid without a delay.
 Also in USA I have a very good credit score (780)


I would appreciate if you could look into this matter and advise what should be my next step.

Dear Sir,
I was a HSBC Credit Card Customer, I had got a call from you're executive for a balance transfer, I conditionally agreed if I get it before my due date, I will accept it, I did not received the same on the time, so I dint use it. after then I immediately got the Statement, I went personally to the bank to say that I dint use the Balance Transfer Cheque, this is not the first time I am telling this complain to you, Please resolve this ASAP.

Regards
Ankit Shukla
+91 [protected]

To,
The Authority,
Consumer forum
Sir,
My name is Pranab Ranjan Das Gupta and I had a credit card of HSBC bank (card no: [protected]). Due to some personal reason I cancelled the card on 22/07/2008 and I have the proof and I never bought anything by the card and i payed rupees 279 for cancelling the card as the bank personal demanded . But till now HSBC bank is sending me huge bills .Last bill is of rupees 8525.25 on 15th March and previous bill is of Rs. 7385.13 of 15th January. I contact with your local branch several times they told that my account is closed so don’t worry & to ignore the bills. But the billing amount is increasing day by day so I again contact to HSBS B.B.D Bagh branch and meet Mr.Arnab Chowdhuri; he said the same thing .
I mailed them several times, called their helpline nos. but nothing happens, from customer care several phone nos. are given but any of them did not worked, any bank personal did not helped me and constantly harras me.
Sir I am mailing you from my son’s mail id (my confirmation details are: billing address: 44, park street, kolkata 16.phone no. of my home is[protected], and my d-o-b is 05/12/1949)
So my earnest request is that please checks my matter immediately and and tell me what will be my next step.
Waiting for your quick reply.
Yours,

Pranab Ranjan Das Gupta

I had a credit card & have made the full & final payments in the month of November. Due to Diwali the bank had not collected the cheque from the drop box & due to holidays the cheque was not cleared by the bank. I had informed the bank & told them I am closing the card as I have paid all the outstandings barring the late payments charges & the bank charges. The bank told that they are not willing to close the card & offered us that if we intend to continue the card they will waive off the bank charges to half & we denied as we had flatly denied to continue with card. We have made subsequent complaints to the call center & the banking greviance officer but they are not giving us a proper reply.
KInldy sort the matter out.
Thanks

RE: Your HSBC Credit Card: 5902 (KMM3421379I123L0KM)‏
From: Saurabh Singh ([protected]@hotmail.com)
Sent: 31 March 2009 15:12PM
To: [protected]@hsbc.co.in

Dear Mr. Makhija,

The amount outstanding against my credit card as quoted by Ms. Debika Mukherjee of your office is INR. 1555.18/-.

Prior to this, I was informed in January by your customer care executives on the phone that purchases made by me were INR 1506/- which was duly cleared by me in January itself via cheque.

Since then, I have neither made any purchases nor used the Credit Card. Now as per your u/m mail, you have reversed late payment fees and finance charges amounting to a total of INR. 941.34/- while the total late payment and finance charges levied on my card were INR 1555.18/- as per Ms. Debika Mukherjee's mail.

Thus, there is still a discrepancy of INR. 613.84/- which needs to be sorted out. I would once again request you to clear the discrepancy at the earliest as I do not wish to see any debit against my name when I have actually not incurred a single penny of expenditure on my card.

I have been very careful in paying all my dues as per the payment schedule and all the confusion and inconvenience has been caused due to non- delivery of the expenditure statement to me in time.

Since that time, I have been following- up with your Customer Care executives regularly but the issue has not been resolved. The immediate fallout of non- resolution of such complaints in a speedy time bound manner means that the customer is harrassed whereas HSBC keeps on levying various types of Late- Payment and Finance charges.

Now, may I therefore request you to kindly reconcile the account at your end so that the discrepancy (INR. 613.84/-) is sorted out at the earliest and there is no debit amount against my name. Also, I would request you to ensure that no further charges are levied against my name on 03 Apr '09 on account of non- payment of these charges.

Please acknowledge.


From

The Desk of...Saurabh Singh

Mob No.- [protected]


Your HSBC Credit Card: 5902 (KMM3421379I123L0KM)‏
From: HSBC INDIA NET ([protected]@hsbc.co.in)
Sent: 31 March 2009 14:46PM
To: Saurabh Singh ([protected]@hotmail.com)

Dear Mr. Singh, Reference Number:[protected] We refer to your email message dated 31 March 2009 regarding your HSBC Credit Card.

We have reversed the below mentioned charges along with service tax thatis levied to your card account which will reflect as a credit in your subsequent statement.
Late payment fees[protected]---- INR 800.00
Finance charges[protected]----- INR 141.34

With regards to the above, your request regarding blocking of card has not been processed as we have arranged to reverse the incremental charges.

We are glad to inform you about the e-statement facility which is now being offered to Credit Card customers. Once this option is selected youwill receive your statement on the day it is generated, thus avoiding postal delays and statements being misplaced.

We look forward to your continued custom.

Yours sincerely,
Rohit Makhija
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited

Dear,

I am getting continuesly missed calls from HSBC Credit Card Division for last 2 days. The numbers are as [protected], [protected], [protected], [protected], [protected], etc. I don't understand what to do? Everytime I am feeling mental harassment. How to recover from this trauma. I had not imagined before that I will come across with this kind of indecent practise from the bank. We had taken the card & they are regularly charging back on us for late payment & other service charges but that does not mean that they will interfare in our personal life.

I strongly urge for a seveare action to be taken against these practices as we are loosing our identity in front of stangers.

Thanks & regards,

Nrusingh Prasad Mishra

Blue dart of Visakhapatnam calls me up & asked me to where they have to deliver the card. They are calling me on the latest no. of mine that is of hyderabad and address is mentioned of Visakhaptanam. But the fact is from Visakhaptanam, i have been transferred to Bangalore and then to Hyderabad. I have updated all my details too and i'm receiveing the statements in time there is no dues from my side. Then today when i call them again, HSBC call centre says that they are not able to reach at the address given by me.What they think o[censored]s are we fools to listen to statements.
SEE THE AUDOCITY OF THE COMPANY, THEY WANT ME TO GO TO THEIR BRANCH COLLECT THE CARD. THEY DONT WANT TO WORK THEY WANT US TO GO BEHIND THEM.
I SUGGEST PLEASE DONT GO WITH THIS COMPANY FOR ANY TRANSACTIONS. THEY ARE FOOLING PEOPLE LIKE THIS.

Dear Sir/Madam,

I am Sujay Sarkar credit card holder of your HSBC Bank & my card no. is [protected].

I want to settle my account, I received a call from Mr. Avnit (Delhi[protected] he told me that you have to pay Rs. 5000/- to settle your account on that I asked him to collect the amount from Indore on that he said that it is not possible to collect it from Indore, either I can receive the letter from Mumbai, Delhi or Ahemdabad. Then I told him that he can collect the amount from my brother who is in Ahemdabad and hand over the letter to him. After that an executive gone there to collect the letter but without any letter, on that I asked Mr. Avnit why the letter was not handed over then he told that it would take 1 day to reach the letter in Ahemdabad, & he said that you pay Rs. 3000/- now & pay remaining Rs. 2000/- after receiving the letter, on his commitment I asked my brother to pay Rs. 3000/- to the executive from Info vision having receipt no. 0566352 on 28/01/2009. But after that several days gone I didn’t receive any call or letter from Mr. Avnit.

On 21/03/09 again I received a call from Mr. Avnit[protected] he told me that I can collect my letter from Indore Branch from Mr. Devesh Mehta. When I reach there and gave Mr. Mehta the remaining amount of Rs. 2000/- he refused to take it & told me that I have to pay full amount Rs. 5000/- on that I explain him that I had already paid Rs. 3000/- & remaining amount of Rs. 2000/- to be paid on that he said that I should talk to Mr. Avnit.

22/03/09 Mr. Avnit called me and said that I have to pay full amount of Rs. 5000/- because my letter got expired on that I asked him why I will pay full amount when I had already paid Rs. 3000/- & if my letter got expired why he didn’t let me know & why he made me false commitment on that he started shouting on me and starts misbehaving which I never expects from HSBC Bank executive, he also threatened me that they will file a case against me under section 138 & said that if you will not pay this amount then you should be going to pay 10000/- to 15000/-.

On 28/03/09 again I received a call from Mr. Avnit and again he started shouting on me & said that why you will not pay the full amount on that I said Mr. Avnit if this incident happens with you what you would do on that he transferred the line to Mr. Jatin, he told me that you will pay Rs. 2000/- but you will get your letter after 4 days, which I refused to do.

Now Mr. Avnit from Delhi is harassing me every day from[protected] to 8 times daily). I never expect such an incident happens with a bank of high reputation. Now I am helpless, kindly suggest me what should I do.

Thanks & Regards
Sujay Sarkar
[protected]

sir,
i am a B.tech student from Roorkee..I had tryed to withdraw amount of a Rs. 3000 from HSBC Bank ATM situated in Pvr Priya Delhi from My PNB Debit cum ATM card On 21 st Of June 2008..My transaction is decline at first attemp and i had not get any money however the amount is deducted from my account .
i had already complained 2 -3 times to my branch office IIT Roorkee..In starting time the authority tells me it takes 1 to 2 months to resolve problem..but till i didn't my money back..after that i recomplained so many times..they are giving no response an replied that i had already emialed your problem to head office so i can do nothing..they give the no. of their higher authority and ask me that u have to contact yourself.
i am a student and the amount of Rs. 3000 means something to me..
so, pls sir can you kindly suggest me now what i have to do.
Lalan
Roorkee
+91-[protected]

Hi Sir/Madam,

This is with ref to my PF ammout withdrawal, My company HSBC HDPI (Kolkata) has submitted all the necessary doc to withdraw the PF amount.
My PF account # AP/HYD/37897/16785

I am going through a financial turmoil. Its been more than 2 years that i quitted HSBC but I have not
recieved any amount of the providend fund...I would be really thankful if an action is taken immediately on this case...

Name : Shubhadip Dasgupta
Compnay Name : HSBC HDPI (Kolkata)
PF account : AP/HYD/37897/16785

Kindly update on this, waiting for your reply.

Regards,