Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

My hsbc credit card no [protected] expired on august 2016. hsbc send me statement for primary card membership fee rs. 804.90. last two year i havent use hsbc card. hsbc threaten me to make payment timely otherwise your name will be include in default list & will report me to "credit information bureau (india) limited (cibil) my email - [protected]@yahoo.com
Please let me know the procedure for cancellation.

Dear team,

Today i got call stating they are from hsbc (From the number [protected]). As per them, they quoted that i have not used my shopping points and it is about to get expired. They would be converting that amount and processing that as credit in my card. For this, as a verification, they verified the card number and date of birth. Later, they started asking for the cvv number and when i denied, they said the message will come from the bank and to confirm that number.
The message stated "onetime password (Otp) for txn on card xxxxx5964 for inr 2468.00 is *." when i said this is confidentical, they were forcing me to tell that number. I disconnected the call.

Team: please verify if this is phising and if yes, please take action so that others do not get victim

Hi,

My name is pintu kumar and i work in bangalore.
I have a hsbc credit card which i was using the past 8-9 years now. I never had any problem earlier and i use to make all payments before time. But this time hsbc has somehow lost my cheque payment.

So, this is a complaint regarding hsbc credit card payment for the month of may-2016, for the outstanding amount of rs. 25422/-.
The bill was generated on 18/may/2016 and the last date of payment was around 09/june/2016.
As usual, i made the payment from my citibank saving account using the online cheque method. The amount was debited from my account on 02/june/2016 and the cheque was delivered to hsbc on 03/june/2016 at the below address:
No 7, hsbc center, m g road, bangalore

Also, from the citibank side, it was verified and confirmed that the cheque has been delivered using the blue dart courier. This is the shipment details:
http://www.bluedart.com/servlet/routingservlet
Waybill no : [protected] reference no :[protected]
Pickup date 02 june 2016
From mumbai
To bangalore
Status shipment delivered
Date of delivery 03 june 2016
Time of delivery 13:00
Recipient mukesh

But, as per hsbc, they are telling that they have not received the cheque.
This i came to know when the next month bill got generated.
They have added the may month outstanding amount in june month with the late fine charges and interests added to it.

Even after continuous follow-up from past 2 weeks they are not ready to accept that the
Cheque has been already delivered from my side. This is the problem from hsbc side.
Now, they are asking to follow-up for stop payment request.

So, my complain is that its hsbc fault that they last the cheque. Its their responsibilities to follow-up with citibank. If any support is required from my side i am ready to help.
Also, i wanted all late fine charges and interests to be reverted back from my next bill.

Please find attached the email copy and other attachment for proof.
If you need any more documents proof please let me know.

I request you to please resolve the complaint as early as possible, because the next month outstanding is now already crossed 60, 000/- and they are keep on adding late fine charges.

Following are other details:
Hsbc website: www. Hsbc.Co.In
Hsbc phone number:[protected]Customer care)
Hsbc complaint number: [protected]
Citibank payment cheque no: 260483

More, details are mentioned in the attachment.


Please help...


Thank you!

Dear sir,
I am holder of hsbc credit card mentioned above. i took loan of rs 5999/-on 12emi. now their bills debit my emi also and add total amount of loan rs 5999/-is also shown added to my limit, thus showing my limit overdrawn and also they are charging overdrawn excessive charges and total harassment by calling me at least 10 times a day. i am a heart patient and these calls are total annoyance.
Please do solve my problem and oblige.
Please ask them to refund my excess payment charged by them due to there fictitious overdrawn limit which is false.
Yours sincerely,

Pushp raj dutta

Hello im arvind my account number [protected] in yes bank. My amount was deducted but it didnt credited on 1 june 2016. Please do needful call me [protected]. I went branch and registered complaint they told it will take 2 working days i am still waiting for refund please guide me how to raise my complaints i am already frustrated and i need ur help

I complained to the very top man. Instead of promising me my money, they are holding enquiries in a very casual bureaucratic way. I am informed, if the clients die banks try to keep the money by tiring out the next off-kins. Here I am not dead yet and look at the approach. Same old non-committal and no-solution answer, When banks cheat in this way, it is pathetic. U do not know where should one keep the money; may be in a safe deposit box? Anyways read my letter and the response of the top management followed by a big lull. What if some one needs the money urgently, I will let you kknbw if I get my money. if I do not write, I am in limbo Truly, what has this world become????????????????????????????????

Dear Mr Yogesh Sud

Thank you for your recent email, which I acknowledge on behalf of our Group
Chief Executive, Mr Stuart Gulliver. I am sorry that you have had cause to
contact Mr Gulliver in respect of the issues that you have faced.

Your correspondence has been passed to a Senior Manager in the appropriate
department of HSBC, who will investigate your concerns and provide a full
response as quickly as possible.

Yours sincerely


Alison Cribbes
Customer Relations Manager | Executive Complaints HSBC BANK PLC HBEU


From: YCSud
To: Stuart T GULLIVER/HSBH/[protected]@HSBC
Date: 29/03/2016 04:49
Subject: Torture by senior employees using the cover of rules and
regulations and never providing anything in writing and giving
incomplete information on purpose!


I deposited money in HSBC bank when I was visiting India. My hope instead
of carrying travelers checks back and forth. I will have easy excess in
both US and Indian currencies, but soon after everything went bad; my
electronic fund transfer papers did not arrive; my wife could not be on the
account till I go to India with her and the account just sat there. Every
time I tried to do something, because I had no checkbook, they refused to
let me have access to my money.

Now they have made my account dormant; I talked to several people several
times. The asked to fill KYC papers and mail them to Chennai. The form
would not print on my computer and they would refuse to send it to me. Then
they told me to draw the money I need to fill NEFT form which again would
not print. Mr. Som Nath, the politest and hardest of all his juniors
refused to send me the forms. Finally running around to everyone, luckily,
I found someone had the latest updates to adobe acrobat and managed to make a pdf file of the form and email it to me.

I meticulously filled the forms; attached self attested copies of my
Passport and PIO as required in the instructions and send it along with a
copy of all the papers HSBC gave me at the time of opening my account. In
fact they had miss spelt my address but glory to US mailmen, letter reached
me.

This time, I filled everything and my wife hand carried the filled forms
(mailed ones they lose) to the Greater Kailash-I Branch in Delhi of HSBC;
to my horror, they refused to take them saying either I should come or go
to their Branch in Washington to get my identity authenticated. So my wife
should bring the papers back and after getting them authenticated here, I
should DSL them at the cost over $100 to get my $800 that they are holding,
as if I have not already spent enough. I am 77 years old; I have banked all
my life, but never encountered anything like this. I went to complaints.com
and found this kind of torture is modus operandi of HSBC. They have
tortured others the same way. However, I am not going to take it lying
down.

When I call them, they ask all kinds of questions to validate me. They call
me at the number they have on the account and talk to me. They have sent
emails on my email address. They have sent mail to my postal address and I
have attached copies of those with the application. None of this is good
enough for the dummies. So many customers are fed up with this kind of
treatment but your polite guys are relentless and torturous; they show no
signs of any IQ to me beyond the stupid bureaucracy. Not giving full
instructions in writing and sending people back is simply ludicrous. They
do not understand the difference between bending the rules to accommodate a customer and breaking them for drug addicts in Mexico. If HSBC swallows my money in this way, I am not going to make it easy for them.

I am telling you as a chairman of business, . what is cooking in your organization. I am
hoping you have the talent and power to set it straight. For my problems, I
consider Mr. Som Nath to be the center piece of this stupidity and he still
talks about me going to bank for authentication and the DSLing the papers
to the head office at $100 (to hear later that they never got them).

For your information, this is what a few others are saying about the bank;
since any organization is people; HSBC has too many of them and they do
nothing beyond talking in a smooth way. May be this is what top management
wants; but if not, it is time to get rid of the rigid brainless support
staff out of the bank.

Sincerely,

Yogesh C sud

Sample of complaints:

I've had an HSBC account for the last 10 years and the only reason I
started one was because my father knew someone who worked at the local
branch. I just started college at the time and had to start handling money,
but after all these years this bank is still trying to leech off of me
after I stopped using them. For starters, I had a checking, savings and
overdraft accounts. And I regret every one of them with their slow customer
service, lost bills and lies. But the worst part is the overdraft they call
"Credit Select" because they will do everything possible to charge you a
late fee.

First off, they would not allow me to access my Credit Select online, no
matter how many times I asked them to. It's simply not listed in my account
summary where my checking and savings are. So there's no way I can check it
on my own time or make fast payments. Next, their bills have an
unbelievable uncanniness to get lost or arrive too late. My monthly due
date, if there's a charge, is on the 28th. And I wouldn't see this letter
until the 5th or 6th the next month. No other bank will ever do this except
for HSBC. So every time I have to make a payment, I have to call them up
and they say "That's too bad, you gotta pay extra." And this scenario has
happened well over a dozen times over the last decade and I've finally had
enough.

So in October, I called them up to close down all 3 of my accounts. I paid
for all outstanding balances and brought everything down to $0. I
specifically made sure this was taken care of before November because I was
going on a long-term trip over a month. When I came back, it turns out they
sent me yet another bill for consecutive late fees after the account was
cleared and paid for on October 15th (due date October 28th). So two weeks
ago, I called up customer service and they say I no longer have accounts
and cannot access any data under my name so they said, "Don't worry about
it." Today, I took it to the bank and they say that I owe them $150... I am
sick of these leeches. If you open an HSBC account, you going to regret
wasting money on this bank.
_______________________________________________________+________________________...⇄

HSBC HK totally stuffed up, lied to me continually for weeks, kept me
hanging for weeks waiting for my own damn money, and when they finally were
forced to admit their mistakes offered an insulting sop for all my
troubles. Incidentally, during all this time I was caring for my mother who
was sick, and in and out of hospital (this was the reason I left HK and
returned home) - and yes, I did tell HSBC this was why I needed the money.
An extremely stressful and unpleasant time.
________________________________________________________________________________...⇄

Worried about death as an HSBC international client, let me tell you what
your family is going to have go through when you die.. HELL! Trying to get
HSBC Hongkong to send the right forms, give you a correct process, is like
trying to get blood out of a stone. They stop speaking English when you get
them on the help desk. They send the wrong forms and information,
everything has to be done by snail mail, you do not hear anything for
weeks, emails are just copy paste lip service, they do not accept UK
probate without you having pay thousands of extra pounds for having your
signature, passport, birth certificates notarized. Then the same documents
of the deceased.. and it takes them (so far) 5 months to tell you this.
They will not tell you what is the deceased accounts without paying 100hk
and it takes them 4 months to send you the form.

You then get no reply, so 5 months down the road they have returned UK
probate and a registered heirs documents as unacceptable, because they now
want all documents notarized. So a notary is more important to this bank
than the UK HIGH COURT. This bank will do anything to stop families from
recovering your assets should YOU DIE and we all die, every client dies.
Who spends 3000 pounds to recover an account that you do not even know has
any funds left. BEWARE INTERNATIONAL clients, this bank will destroy your
grieving family for fun and a few dollars. The newest now demands that as
international clients family we have to get Hongkong high court probate
documents and or have our documents sealed by the Hongkong high courts. All
documents and signatures including passports to be notarized by Hongkong
lawyers or HSBC bank staff (who will not do this). YOU have been warned,
bank with HSBC and your family will go through hell.
_____________________________________________________
In short HSBC top management derives pleasure out of torturing its clients;
there is not a single word of sympathy for pitting us through this. Some
employees who can't do anything agree with you, but that has no value. I
will suggest all my friends to close their HSBC accounts asap as long as
you are alive it may be lesser torture

************************************************************
HSBC Bank plc
Registered Office: 8 Canada Square, London E14 5HQ
Registered in England - Number 14259
Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority
************************************************************


[protected][protected]-

Guess what, HSBC's account manager, Som Nath, has refused to budge; I have to get the papers back; then I have to take them to an HSBC bank in USA; get all of them authenticated; DSL them back to them at cost of $100-200. After that, I must wait till they find another glitch. They are big time crooks. For God's sake, do not open an account with them unless you want to be leached and tortured and suffer an unrelenting stone wall. I will continue to send my complaints where ever I can get some help. It has become a project to extract my money from a bank that has been fined close a billion dollars for laundering money for drug dealers. See below:
http://www.reuters.com/article/us-hsbc-probe-idUSBRE8BA05M20121211
with title:

HSBC to pay $1.9 billion U.S. fine in money-laundering case.

Like so many before you, I warn every noble soul not to deal with HSBC.

If I write all they have done to me, it will become a thesis. Here is a compy of my complaint to consumer affairs in USA. Indian Government should investigate all the complaints and close this bank.

Synopsis: I have a gut feeling HSBC won't return my money; these are excuses of the kind HSBC is notorious for making

My wife is in India for four more days and she took the application to the Greater Kailash Delhi Branch and they refused to take it because instead of self attestation (as called for in the instructions) they wanted verification by HSBC Bank. I have had enough torture and I can't take it any more. I have been dealing with it for nine years. You refuse to return my money; instead your guys keep adding more and more hoops. Your guys are able to call me on the phone registered on the account and speak to me and you still suspect fraud. Don't you think I know what you are up to. Any telephone directory will show my name and address. I am willing to donate this money to RBI or another charity in India as my gift to them. Will you allow that? I really do not want deal with you guys but I do not want my money to become HSBC income nor I want them to keep shaving of money so that HSBC can keep its income going. Most of the complaints that I read on the consumer affairs are horrific. Many of them stated the kind of torture you are putting me through; in the following example HSBC putt a UK family through Hell because their father has died and you put them through hell. Here are its contents.
Copy of the Complaint that parallels mine; some others are even worse!
steve of Amsterdam, Other on Aug. 29, 2015

Satisfaction Rating*

Worried about death as an HSBC international client, let me tell you what your family is going to have go through when you die.. HELL! Trying to get HSBC Hongkong to send the right forms, give you a correct process, is like trying to get blood out of a stone. They stop speaking English when you get them on the help desk. They send the wrong forms and information, everything has to be done by snail mail, you do not hear anything for weeks, emails are just copy paste lip service, they do not accept UK probate without you having pay thousands of extra pounds for having your signature, passport, birth certificates notarized. Then the same documents of the deceased.. and it takes them (so far) 5 months to tell you this. They will not tell you what is the deceased accounts without paying 100hk and it takes them 4 months to send you the form.

You then get no reply, so 5 months down the road they have returned UK probate and a registered heirs documents as unacceptable, because they now want all documents notarized. So a notary is more important to this bank than the UK HIGH COURT. This bank will do anything to stop families from recovering your assets should YOU DIE and we all die, every client dies. Who spends 3000 pounds to recover an account that you do not even know has any funds left. BEWARE INTERNATIONAL clients, this bank will destroy your grieving family for fun and a few dollars. The newest now demands that as international clients family we have to get Hongkong high court probate documents and or have our documents sealed by the Hongkong high courts. All documents and signatures including passports to be notarized by Hongkong lawyers or HSBC bank staff (who will not do this). YOU have warned, bank with HSBC and your family will go through hell.

Personal loan
25-feb-2016

Dear Sir/Madam,

I am Mr. Harichandra having a Personal loan Ac[protected] in HSBC bank. This loan is been from 10 months. When i had taken this loan no one explained or told me about foreclosure charges even thou I desperate said surely i will Pre close my loan account within 1year. Today i visited HSBC Bank MG Road Bangalore to pre close my loan account and i got this information as i need to pay 4% Pre Closure charge if i would have known this before i would have prepared.But now i cannot pay this due to Financial comment.

1) I have never bounced or missed a single EMI in this loan

2) I hold a HSBC Credit credit from 4 years and i have never been a defaulter not even once.

My humble request can you please waver this Pre Closure charge so that i can clear my loan amount ASAP by two days. Due to emergency i had taken this but not i feel hard to pay this. I want to continue the relationship with HSBC. Thank you for your wonderful service in the past.. Hoping for a good Response from HSBC now.


Feb 29-16

Dear Sir/ Madam,

Can you please respond to the below mail. Since i have a EMI coming up on 5 of March 2016 i want to close my loan account before the due date so please solve This issue ASAP. complaint reference no (KMM16838707V90756L0KM).


Mar 3 - 16

Dear Sir/ Madam,

Its been 1week since i have sent my request Please respond to the below mail. Since i have a EMI coming up on 5 of March 2016 i want to close my loan account before the due date so please solve This issue ASAP. complaint reference no (KMM16838707V90756L0KM).


mar- 10-16

Dear Sir/ madam,

The below issue is been raised long days ago and i have not been got any response from Hsbc. This shows negligence and poor criteria. i have called the call center 4 times they say i arrange a call back but not received that also. i am ready with the amount to pre close the loan account past 15 days. Please solve this issue ASAP. I am not in the condition of paying the Pre Closer charges. please read my whole conversation below.


Regards
Harish.K
[protected]
[protected]@gmail.com

Respected Sir,

I did a transaction of Rs 100.85 through MOPSOTHDRCARD (HSBC Debit CARD) for ssc cgl Registration no. [protected] and amount is deducted from my account but still amount was not received by ssc.nic.in, please help it's really urgent


Thanks,
Gandharav Katyal
email : [protected]@gmail.com

My credit no.- [protected] and i have no dues.


I have got the NOC but it is not updated in the cibil report. So, I request you to update the Noc in the cibil report.

I am 76 years old and I live in USA and visit Mumbai in winter months.Last year I presented my wife's death certificate to HSBC to remove her name from joint NRE account.They said the death certificate, issued by state of New Jersey showed her name as Meera Makhijani as against account which showed her name as Mira Makhijani.I went back and got the cerificate reissued as Meera also known as Mira.They still will not remove her name.from the account.

Please Help

I took loan of 1320, 000 (thirteen lakhs twenty thousand rupees) in 2004, 29 September on floating. Now till 2015, April I paid my emi diligently without any delay but last year itself from may I have been submitting my request of loan settlement as soon as possible and the emi itself accounts to approx 19 lakhs. Now the bank executives are not giving any assured solution instead harrasing me by prolonging the process and sending the letters of amount to pay which itself is increasing till date (12, 62000 rupees) . I submitted my plea of reducing the amount to be paid as my mother is cancer patient and I have currently no other source of income to survive upon. I want end such matter as soon as possible as it is really affecting my heath and increasing stress . Already I have suffered from a lot if harrasment from HSBC bank, Delhi & from their Mumbai branch as well.

Dear Sir, I have submitted all documents and all enquirers completed but received no any information from bank and otter sides .So please provide credit card or any solution about this matter . thanking you. regd Dipender yadav

Ref.No.[protected] I am HSBC credit Card Customer from last 6 year, on 25th June, 2015 I lost my Credit Card in China and it is used for fradulant transaction, For which I have made a complaint in 24 Hours with Credit Card Dispute Form, But till today my amount is not reversed in statement & amount goes on increasing every month with interest.

I have a credit card with HSBC, I have not crossed the credit limit stipulated by HSBC Credit cards division, but I was charged over-limit fee of 500/- and service tax of 14.5% on the over limit fee. This is even unfair practice. Please let me know if there is a way to avoid this unnecessary penalty on my account. this is my HSBC Cred Card # [protected]

Dear Sir,
This is for your information that, I have a credit card of your bank and the card number is [protected]. There is serious problem about the delivery of the account statement of the card to my residential address, which is given below:

Flat 11E, 11th Floor, Annapurna Apartment
224A, Acharya Jagdish Chandra Bose Road,
Behind Krishna Building,
India. 700017.

I used to get the account statement of my credit card by BLUE DART courier and the only courier company who never find my address to deliver the statement to my registered address. But the fact is that in the same address, my wife Mrs. Falguni Majmudar is getting her statement regularly on time by another courier. Enclosed here is the delivered envelope of Mrs. Falguni Majmudar.

So, I am requesting you to change the courier company BLUE DART for delivering the statement to my registered address to make it regular and hassle free as the statement of the credit card is very essential to me and it should be delivered to me on time every month.

Thanking You
Parag Majmudar

I had HSBC credit Card in 2008 and I was not using it, but there is written off amount of 40K is shown on my latest CIBIL report.
I went to HSBC branch in Basavangudi Bangalore and enquired about it and ask to close the it. THey asked me to first update the KYC details of my account. I have submitted application form alongwith the other documents.
but it has been more than 10 days and they are still no updating the details and they have now no information of it.. they are saying that I have given request only for Phone number update only.
I called to different customer care number and all provide me different process. someone says that I can make the payment with KYC update, someone say that I need to first update the KYC. all the HSBC customer care personal have different information on same thing.
after 10 days when I am checking with Branck about my KYC status update they are denying and saying I have not given such request. They have lost me application for or what.
I am helpless now and no idea how to go ahead with it. I need to close the credit card account by paying the requried amount asap. and it is reflecting in my CBIL and I am not able to take any Loan.

I got a call from HSBC customer service, that I have an offer to convert any amount into EMI and offer is available till Nov 07 2015. So I made a jewellery purchase of Rs.70, 000. And when I called customer service for converting the purchase into EMI, they say its not possible for converting to EMI and they say they cannot do anything. Now I should be paying more interest unneccessarly. I wouldn't have bought it if I was not offered the EMI option in the first place. What should I do now?

Dear sir, I got personal loan from citi bank. My loan account no. Is[protected]. I have made complete payment of all instalment timely but still in my cibil report they shows dues. I am attaching all documents regarding this matter.