Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

dear sir,
let me get informed about the status of my credit card.I have applied before one month.
my ref.no.[protected]
my contact no.{mobile}:[protected]


regards
sanju sherif

Card No:[protected]

I have already inform to cancellation Tata aig gen insurance directly deducted from card with out my permission, Three to four times they send they are already closed there account, my latest statement march 08, 6th installment already deduct from my account, So these people does not about the money value. Please need your voluble information

Hi Support
My name is Clinton R Gyles,

I volunteered repossession on my motorcycle completed yesterday on 03/21/08.

MY ACCOUNT NUMBER IS[protected] AT HSBC Retail services

I am writing to you because I have made a transaction through Western Union MTCN:[protected] to get my loan out of collections and back into payment mode as I was advised from the collections DEPT at HSBC Retail service.

MY ACCOUNT NUMBER IS[protected] AT HSBC Retail service


I really do apologize my account went into collections department. I had fallen into bad times I have made a couple of payments prior to this the, closest month was December. Just shortly my loan defaulted.
I called the collections dept to try to fix this . When I called the first time I was told I was 121 days past but I did make a payment in December,
I asked what I could do to fix this the female told me to bring loan up to date and pay all the back payments up yo date $1, 280.90 I agreed .
I contacted the western union closest to me . They told me it was going to cost ex number of dollars.
So I called back HSBC Retail service Collections dept, to see if they would do electronic withdrawal from my checking and a different agent told me even if I made the payment of $1, 280.90 that my account would not be reinstated .
SO I asked to speak to a manager and then that person told me the same thing.
I was ok with this ... I said come and get the motorcycle ..
The repossessions company called and they said try to call the HSBC Retail service back and try to work something out.
I did then I was told the same thing the first time I called ..So I thought they were in fact giving me another chance and I went to make the payment of 1, 280.90 through Western Union MTCN:[protected] went and made the payment I thought this was awesome .Then I called to give the receipt number they put me on hold then came back on and told me even though I made the payment of 1, 280.90 and brought account up to date they said they are still taking the bike . So I demanded my money back and they said call western union .. I said I all ready did they told me to contact you. Then I asked for a manager again they told me THERE IS NO WAY THEY ARE GIVING MY MONEY BACK. and they still taking the bike...

I tried to make good on this loan why did I get mislead I was being very honest to HSBC RETAIL SERVICE
I stayed in touch with the repossession and HSBC Retail Service whiles I was applying for loans to pay the bike off. I had gotten now where because HSBC Retail service all ready put it in my credit report..
Can you some how put this note on my credit report ..

Hi
I had taken HSBC credit card which I had to cancel after they charged unfair interest charges and late payment charges inspite of paying the amount in full on time.
Now after I have cancelled the card, they have been sending me bills with late payments charges and interest charges.Now i have been complaining to the customer care, collection department and via emails and complain sections but to no avail.

The worst card you can have in your kitty and the most idiotic customer care.STAY AWAY FROM ALL HSBC things

Prakash

I hold HSBC Gold credit card (in fact two of them) and I had
set up an ECS to pay the total amount due directly from my bank
account on the payment due date. I find that recently in the case
of a rather large payment (about 1 lakh) they requisitioned ECS
from the bank 3 days before the due date. Anticipating their bill,
I had arranged sufficient balance 2 days before the due date, but
their early requisition took me by surprise and the ECS request
was dishonoured by my bank. When I learned this, I explained
to HSBC people and as per their instruction, I submitted a cheque
for the total amount due, which was duly cleared. However, HSBC
has charged heavy finance charges and are not willing to reverse
this. I believe I was not in fault and I am deeply disappointed with
HSBC for doing this. I am seriously considering going to the consumer court and fight it out. What do the members of this forum think?

Sudhir

The due amount was not more than 5K. There were payments delayed due to my abroad travel and my relocation from Delhi to Hyderabad, there were huge interest rates and service charges when i was actually notifed after couple of months through a phone call. After this I have gone personally and closed the card with a full and final settlement at their office, they even gave a discuount becaue i was ready to make in one payment and close the card. I have even recieved the closure letter. All this happenned in 2003, after this i have taken home loans, car loans form a ICICI bank, Credit Cards form ICICI and Citibank who never found my name in the defualter List (SATYAM database). Now in 2008 another back which is offerring an NRI loan sees my name in SATYAM database under defaulter list. This is the most rediculous think to happen. Just because the consumer does not know what they do, they just spoil a customer's reputation here. Can some one please help me out. Is there a way to legally sort this out. How can only banks do this, what about customers facing problems with this banks.

I have made 14 international calls to HSBC customer care, some say they dont have my card number reflecting in the database, some redirect to some collection service, some does not have a clue and they agree the card was closed on a final settlement . Some ask me to write a letter and visit the HSBC branch.Appprecite any inputs my loan processing is held in abeyence because of this careless ness from a HSBC bank.

How do i come out out of this, my card number is ([protected], closed on 28th 2003 nov).

Please help, having lived in abroad, I am shocked to be notified after so many years, strange how other banks did not notify me if they had found this. I live in London now, cant even visit or sort this personally through a vist.

Many thanks for the help or suggestions.

From :
R. Mohan Durai
Credit Card No.: [protected]
No.1, Pillaiyar Kovil Street,
North T.Nagar
Chennai-600017

To:
The Manager,
HSBC Bank
Credit Card Division

Sub : Reg. Late payment fee

Dear Sir,

I would like to verify my credit card statement regarding late payment fee for the month of 15th Feb 08 to 14th Mar 08. But I have paid my due at Pondy Bazaar HSBC ATM centre drop box (opposite to Globus) on 4th Mar 2008 11 am along with the balance transfer request slip.

1) I want to know why it shows late payment fee of Rs.400.00 and service tax in the statement and also I need explanation for my Balance Transfer request.

2) Actually I have made request to make balance transfer to ICICI bank credit card for the amount of Rs.11, 577. The statement shows for the month of 15 Jan 08 - 14 Feb 08 you have charged BT processing fee and service tax and finance charge and some taxes. But there is no EMI coversion happens. Can you explain how I will pay my Balance transfer fully. I have enquired call centre they asked me to pay minimum balance. So I have paid my second minimum payment.

Clarify clearly how will I clear my balance transfer in future.

Further kindly reverse my Late payment fee in forthcoming statement and guide me where should I pay my dues without any delay. Refer ATM Centres.

Otherwise cancel my card and send final due statement.

Please response my above queries as early as possible.

Thanking you

Mohan Durai
[protected]

From
Mr. KAVIT PANDYA
120, 4th floor shiv-Sai Building
J.P. road, Andheri [w] Mumbai 400053
Contact [M] [protected]
E-mail:- [protected]@gmail.com
To, Date:-03/march/2008
The Officer in charge.
HSBC Credit card department
India
Special attention to:
[1]K.C.Mahesh-Manager, Credit card services HSBC, 610, Ambal House, Anna Salai, Chennai -600006.
[2]R. Shanker Narayan-Asst Vice President, Card services. HSBC, 610, Ambal House, Anna Salai, Chennai -600006.
[3]Ombudsman of RBI requires your special intervention in this case as this is habit of giving trouble to genuine & common man.
Sub:-Credit Card Number: [protected]
Hi to all of respected Dignities.
My problem is like this I am a credit card holder of HSBC from last approx 6 years & till date my no payment was due or not a defaulter or not a late payment master.
[1] As per your a/c statement of Dt. 7/June/2007 to 06/July/07 my credit balance of Rs.1354.50.
[2] As per your a/c statement of Dt. 7/July/2007 to 06/Aug/07 my credit balance of Rs.1354.50. & you have charged a Annual Membership fees and services tax charges of Rs.2000/+1000/-+247+123.60 =total Rs.3370.60 & on net comes after deducting from Credit of Rs.1354.50 my debit balance of Rs.2016.30
For your annual membership charges same thing was happened in last year too & I have opposed on that time too & with the result an assurance was given by your officer that in future too we will not charge you. On that condition only I have continued my card. But as a wrong practice again same thing was happened & with the result of this all this time wasted and pain full thing started.
So same thing was happened & again I have start to call your person on phone I have opposed & denied to pay your annual membership charges or cancel my card & do oblige on me. Your officer was too good on reply and he promised that your charges will be waved and your credit balance will remain Rs.1354.50 as it is. & all this changes you will get in our next bill.
[3] But on surprise again I got your statement of Dt. 7/Aug/2007 to 06/Sep/07 with adding charges of finance charges, late payment charges & service tax etc of Rs2477.67 as a debit balance. Which is one more wrong practice?
[4]On phone I talk with your person Indu on date. 29/Nov/07 Thursday at 10.30 am Hrs by approx 50 minutes, same way again I got assurance from her that she will do change immediately and she gave with promise that she will inform me on my e-mail:- [protected]@gmail.com & on my mobile [protected] too which she is noted.
[5] I got faulty statement again on 07/Oct/2007 – 06/Nov/07 in that they have shown reversal charges of Rs.2714.20 and closing balance comes as Rs.344.31CR instead of Rs.1354.50 as there was no use of my card from 7/June/2007 to till date. Hence my balance should reflect as same of statement Date:07/June/07of Rs.1354.50
[6] Same thing once again inform to your person Mr. Rajish on phone on Dt.14/Jan/08 at 17.10hrs explained same story as no changes in statement not inform on mob or by e-mail it take about a 1full hour, then he has given to Unnati a Senior officer talked about 1.30 minutes same way assurance. Don’t worry we will do it.
[7] Same thing once again inform to your person Mrs. Sweta Assistant Manager on phone on Dt.16/Jan/08 at 12.40hrs explained same story as no changes in statement not inform on mob or by e-mail it take about a 40 minutes. She assured that I will get changes in 4 working days.
[8] I got your new statement of date. 07/Dec/2007-to 05/Jan/08 in that shows Rs.344.31 CR only instead of Rs.1354.50 so I talk with officer Mrs. Sweta She told me don’t worry don’t pay a your debit of Rs.1201/- of this statement as you have all ready CR of Rs.1354.50 so even of your uses of Rs.1201/- you have balance of CR Rs.153.50 So in next statement you will get with this correction.
[9]In mean time I have made payment through your card & accordingly I have paid cheque of Rs. 4500/- as a part payment & same has been deposited in your bank.
[10] Lastly I have received a statement of Dt. 06/Jan/08-06/Feb/08 same opening balance & on above all again charged with late payment charges Rs.400/- & ST+ CESS 49.44
So now I am fed up with this bank & their system I have no faith in their system and their ethics. By this application I am requesting to all of your good self that I am sure that i will not get justices. Hence inform me by deducting your actual amount How much money I have to pay If so, So arrange some person who will come with your statement I will pay him your right due if any is there & importantly I will return my card.
I can understand how much it is painful to all of you to read this latter. So think for me that how much it is painful to write & to talk hours & hours on phone by wasting time & money too from last 7 painful months.
So thank you very much.

Kavit Pandya.
CC to
{1} Consumer forum, please provide me time for action against banking un lawful victimised policy.
{2} Grahhak Panchayat Samiti.
{2}Finance Minister New Delhi
{3}RBI
I have tried my best to show fact by date & statement wise but even though I am paying Rs.942.20 through my cheque no.649082 of Date. 18/03/08 of corporation bank versova branch. I[censored] will not correct your statement by revert my Rs.1119.10 (CR Rs.176.90 +Rs. 942.20 Cheque amount) then I have only one way to go legal I hope you will not give us chance to do so & same way you will disappointment me .
If you find any difficulty then please call me on mob [protected] or mail me on [protected]@gmail.com

It would be great help if you go by enclosed statement figure wise & give your honest report.
Now I want to put a case for mental harassment & for that Rs. 1, 00, 000/-

I received tons of calls for someone who had my number befor me. I told them all that I had a new number and that person was not here and likely had never lived here. Each promised to take my number out of their system and none did. I finally found a different number and called them and asked to speak directly w/ a supervisor who found me their internal do-no-call list. (I'm already on the national do-not-call list, but it doesnt' cover things like collection calls.) If you call 877.394.4722 and jump through a lot of hoops, supposedly they will stop calling you. I'll wait and see if this actually works. They couldn't tell me how long it would take, but they said I would be receiving confirmation in the mail that my number had been removed.

I had applied for an HSBC credit card almost a year back and they tried to deliver the credit card on two occasions to my office address. But since I was not available at my office it was returned. This was informed to me by a Tele banking representative. After that they never got in touch with me and I also have forgot about the entire episode. Almost aftre some 6 to 8 months later i started getting calls from HSBC personal loan division saying that they would like to give me personal loans based on my HSBC credit card.I turned down the offer saying Iam not holding any cards from HSBC. Later i got an SMS saying its my HSBC credit card statement(luckily the it was a 0 balance statement). On getting this SMS statement I tried to contact HSBC phone banking centre, but they said they are unable to help me as i did not have a card number. I asked them to search for any information with my name, but this request was turned down. I again got another SMS last week with 0 balance. Though both times it was 0 balance, Iam not at all comfortable getting statements in my name for a nnon existent card. And if they can send statements for non existent card, i fear they might send me non zero balance statements also in future. I wanted to know why this is happening even after their representative informing me at the first place that the card is being returned to the bank.

Hi,
I have a HSBC account in mumbai and on 14 march 2008, I have deposited a DD issued from Deutsche Bank PUne branch in my HSBC Mumbai account at Chembur Branch. I was shocked to see in my bank statement that the cheque was send to IDBI bank for clerance.
I dont understand how this mistake has happen. and when I tried to contact customer support they gave me information that as it was outstation DD it was send to IDBI. Till now I have not got any payment.
Support told me that my DD will be cleared by 26.
who is responsible for delay.
If we have any payment delay Bank charges for that.
what about when due to bank I am getting delay in payemnt

Sir/ Madam,

HSBC had no habit of respondn to the complaints. I had pesonaly handed over a cmplaint t o the Executive of HSBC bank of Greater Kailsh I, New Delhi. Regardin my payment of Rs. 66900-00 + Rs. 3500-00 = Rs. 70, 400-00 prior to dead line adspoke to the help line executives. Thehelp lineexeutives after veryfing hadareed rect and issue me a fresh payment coupon buteyhdfailed to do so. After giving sufficent time I had been to the HSBC bank pesonaly a surendered my credit card executive of the bank executive was apoligitic as she very wel understood the confusion HSBC credit card executives had created.

I had demaded the excesive ammount which I had paid ie. Rs.75-82 and a penality of Rs 3500-00 and sent my cmplaint t Nodal officer, PO Box: 5080 of HSBC, Chennai -600028, Diect Response cell, HSBC, Mumbai, Country Director, HSBC, Umang Tower, 2nd floor, Sector A-22, Mind Space, Goregaon West, Mumbai 400062 and acopy pesonally handed ove to HSBC Bank Executive, Grater Kailash I, New Delhi. The first complaint was on 10.09.2007 and last complaint was on 27.11.2007.

Instead of HSBC pay back my mone plus penality which I had impose butsending faulty credit card statements. HSBC deserve to be penalised for their careless atitude towards their customers. TG Vijayaraj

HI,

I want to make a serious complaint against HSBC. I own
a HSBC Visa Credit Card. I made the payment on this
card on March 1st, 2008. I made the payment in cash in
a HSBC ATM. After that I received calls that I didnot
make the payment. I faxed the copy of the ATM deposit
slip to HSBC chennai office as proof of payment. Till
date I have been receiving harassing calls from HSBC
regarding the payment. I have the payment proof as the
ATM Deposit slip. From HSBCs side, I dont have anything
written, it is the call records that will proof this.
I want to sue them for a hefty amount for all the
harassments.Please advise.

Thanks,
Anirban Dutta
[protected]

Dear Sir/Madam This is regarding a payment made to HSBC bank for my Credit Card No: [protected]. Where I have transferred the payment of Rs. 10000 from my ICICI Bank saving account (No.[protected] on 4th Dec 2007 but the same was not credited to my HSBC Card. Now its has been almost for than 3 months and during this period I have made numerous calls to HSBC Customer care to solve my issue. I have provided them all the details like payment ID No., Bank Account No., besides this I have also written many email at "[protected]@hsbc.co.in" but nobody has responded to my complaint (Complaint No. [protected]). I have been making many ccalls to them but every time they put my call on hold and after that they give me the same answer that "I will get a call from HSBC" (which I never got). Every month I recieve a show cause notice from HSBC regarding non-payment of dues. Now when I called up the customer care today to know the status of my complain then the reply from the bank is " Your card has been closed and to know the status of your complaint call at collection centre at[protected]. Now I am very upset with the service of the bank and neither I know where my amount of Rs 10000 is???? also HSBC has rated my credit rating as negative which would make disqualify me from taking credits from other banks and financial institutions. I am sending the the copy of the email written to HSBC from time to time, pls find the same below in order of dates. Sir, I have full faith and respect in justice. Pls help me out. The Bank is charging a Huge interest every day and I am financial not so well to bear all this charges. Pls look into my case and help me. I want to take a legal action against the bank to get back my normal credit status and my credit card. EMAIL NO. 1 from Saleem Khan hide details Jan 1 to [protected]@hsbc.co.in bcc saleem.[protected]@asianppg.com, [protected]@gmail.com date Jan 1, 2008 9:24 PM subject Kind Attn: Manager (Debt Management) HSBC Credit Card mailed-by gmail.com Kind Attn: Manager (Debt Management) HSBC Credit Card No. [protected] Dear Sir, This is in reference to your repeated notification regarding payment for my HSBC Credit Card No. [protected]. I would like to inform you that I have made a payment of Rs. 10, 000 on[protected] through Visa Card to Card Transfer from my ICICI bank Saving account (No.[protected], Payment ID:[protected]. The amount was successfully debited from account on the same date and the payment was made to the HSBC on[protected]. After checking with, and as per, HSBC bank. I have registered a complaint with ICICI Bank (on[protected] vide Complaint No. SR[protected] regarding the status of fund transfer from my account and it was told to me that amount was successfully transfered to HSBC on 4th Dec 2007. I have also filed a complaint with HSBC Credit Card Division (Complaint No. [protected]) to resolve the same issue but till date it has not been solved and neither I have recieved any feedback from HSBC on the status of my complaint. Now everytime I call HSBC Credit Card Division to know the status of my complaint I got same reply that "The request is been forwarded and you will receieve a call from us within 3-4 days". Now it is almost a month time and the payment is not being credited to my account and HSBC is charging day to day interest and late payment fees on my card every month. Neither I feel that the bank is interested in resolving the issue in time. Also, Pls take care of the interest and late payment charges that is being levied on my card. Request you to do the needfull. Regards, Saleem Khan REPLY RECVD FOR EMAIL NO. 1 from "[protected]@hsbc.co.in" hide details Jan 1 to [protected]@gmail.com date Jan 1, 2008 9:31 PM subject [Ack] Case 4473763 Kind Attn: Manager (Debt Management) HSBC Credit Card mailed-by hsbc.co.in Dear Customer We refer to your email to [protected]@hsbc.co.in. We request you to please allow us 5 working days, to investigate the matter and we would comprehensively revert to you with the confirmation of action taken. In the interim, we would like to thank you for bringing this matter to our attention as it is feedback such as yours which enables us to improve our services. Should you have any clarifications in the interim, please do not hesitate to write to us [protected]@hsbc.co.in quoting the case reference number. For queries relating to lost cards, please contact phone banking immediately, at the respective cities. HSBC would not be liable for any transactions done between the time of the card lost and the time of reporting. Warm Regards HSBC EMail Helpdesk[protected][protected]- ******************************************************************* This e-mail is confidential. It may also be legally privileged. If you are not the addressee you may not copy, forward, disclose or use any part of it. If you have received this message in error, please delete it and all copies from your system and notify the sender immediately by return e-mail. Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions. ******************************************************************* "SAVE PAPER - THINK BEFORE YOU PRINT!" 2nd REPLY RCVD TO EMAIL NO. 1 Dear Mr Khan We refer your message dated 02 January 2008. We apologise for the delay in response. We observe from our records that as on date we are not in receipt of your payment of INR 10000 towards your card account. Hence we request you to liaise with our other Bank where you hold a Savings account for further assistance in this regard. Alternatively: Please send a (scanned copy) through "[protected]@hsbc.co.in " the other bank statement as an attachment, the same in attention of "Rukmani M" to enable us to forward the copy of the other bank statement to the concerned department. We trust the above clarifies your concern. For further queries we request you to call our phone banking numbers or if you have registered for Internet Banking, we request you to send us a secured message through the 'email us' option in order to enable us to assist you in this regard. A complete list of our phonebanking numbers is available at http://www.hsbc.co.in/in/personal/phone.htm Warm regards Rukmani M Customer Service Officer HSBC India. - Hide quoted text[protected][protected]-- ******************************************************************* This e-mail is confidential. It may also be legally privileged. If you are not the addressee you may not copy, forward, disclose or use any part of it. If you have received this message in error, please delete it and all copies from your system and notify the sender immediately by return e-mail. Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions. ******************************************************************* "SAVE PAPER - THINK BEFORE YOU PRINT!" EMAIL NO. 2 WRITTREN TO HSBC from Saleem Khan hide details Jan 10 to [protected]@hsbc.co.in date Jan 10, 2008 7:21 PM subject Re: Case 4473763 Kind Attn: Manager (Debt Management) HSBC Credit Card mailed-by gmail.com Dear Rukmani Please find the attached bank statement of my saving account (ICICI Bank). It has been very clear from the statement of account that an amount of Rs 10, 000 has been debited on 3.12.2007 for Visa card to card transfer (To HSBC Card # [protected]). Pls do the correction at your end. Thanking you, Regards, Saleem K. - Show quoted text - REPLY RCVD TO EMAIL NO. 2 from "[protected]@hsbc.co.in" hide details Jan 10 to [protected]@gmail.com date Jan 10, 2008 7:28 PM subject [Ack] Re: Case 4473763 Kind Attn: Manager (Debt Management) HSBC Credit Card mailed-by hsbc.co.in Dear Customer We refer to your email to [protected]@hsbc.co.in. We request you to please allow us 5 working days, to investigate the matter and we would comprehensively revert to you with the confirmation of action taken. In the interim, we would like to thank you for bringing this matter to our attention as it is feedback such as yours which enables us to improve our services. 2ND REPLY RCVD TO EMAIL NO. 2 from "[protected]@hsbc.co.in" hide details Jan 14 to [protected]@gmail.com date Jan 14, 2008 12:54 PM subject Re: Case 4473763 mailed-by hsbc.co.in Dear Mr Khan We refer your message of 10 January 2008. We regret for the delay in response and for the inconvenience caused. We have noted the concern and wish to inform that we have raised the complaint against concern department regarding the payment with reference to the complaint reference Number # [protected], hence we will write to you after 5 business days regarding the status. Further we also request you to quote the above mentioned reference number to enable us to assist you in this regard. AND SUCH KIND OF EMAILS ARE THE ONLY REPLY I KEEP GETTING EVERY TIME I SEND THEM EMAIL.