Hi,


I hold HSBC Gold Card which I have used only once(2 years back) because of the poor service like never getting a bill/ statement on time.
Now after two years I am getting a statement with due amount of 9k. They have charged me some yearly fees on my credit card, however when I got this card the executive person told me that it is free for life time. There are many such cases in my organisation.
HSBC has used the same trick to do business and earn money.

Please help.

Thanks,
Jayita

Dear Sir/Mam,

I have one credit card of HSBC Bank no. 4476 9299 9541 1102. I made some
purchase of 13,000 and requested to convert that purchase in EMI. 3 months
gone but no EMI converted. I called them again, they told me that due to
some internal problem my EMI not been made. My request submitted again to
ensure that this time my transaction will be converted to EMI. But still
nothing happen after making many phone calls my payment is gone to
collection agency. They are ready to convert this in 6 EMI. I made
processing charges and first emi also but no converted emi found in my
statement. Now in August 2009 I got a call from bank and they are ready to
convert my purchase in EMI. I got a letter of settlement(Ref No.
RS\CPD\NWOFF\NDH\ANM\INSHA-5\20082009\6) of Rs. 9000 something in 6 EMI's
because I already made some payments. After that I started to made payment
bank person come to collect the payment. They told me that only in this way
payment will be done, our person come there to collect the payment every
month and give you a receipt. In august and September two EMI's paid but in
October no one come from bank to collect the payment. Now in November I
again got a call about the payment, I called him up and made a payment of
my EMI. After that they called me again and force me to payment more than
my EMI because one moth skipped . I told them it's not my fault if your
person is not here to collect payment but now that continues calling me and
harassing me. Again started to dispatch my statement and its showing amount
Rs. 20,000 which is only due to adding interest every month while my amount
of Rs 9,000 already converted to EMI's .Their person abusing on the phone
every time. This is very ridicules, I gone mad every time.

Please help me to resolve this issue or suggest me about what to do.

Your sincerely
Pankaj Arya

Dear Sir,



This is regarding card no 4476929960243811.


I had an HSBC classic card long back which was closed by HSBC for non-usage
without my concern. They again issued a fresh card, to achieve their sales
targets, later at my old address in pune. Again this new card has been
issued on my name without my concern, moreover, I have never received this
card at all. Against this card HSBC is sending monthly statement at my old
address which is harassing the people living at address right now.

After checking with the HSBC customer care it was revealed that the charges
are annual fees levied on the card. Just for info, this card was given to me
as a life time free card and no mention of any annual fees…



HSBC is multiplying the annual fees month on month for a card which never
has been delivered to me.



As you can understand, the harassment I am going through. This is just
because, HSBC wanted to achieve its monthly sales target and they will go to
any extent for this.


Sir, Request you to close this card which is not received by me at all and
clear off the charges levied on the same. Unnecessarily people are getting
harassed for no fault of theirs..

I want a written document that the card has been closed and the wrong
charges levied on the same has been cleared.
I don't want any relation with HSBC card in future.

Waiting for immediate response...


Regards,
Amith Panicker

Sir/Madam,

This is with regards to the bill payment of my Vodafone Number - +91-9769482267.
I used my HSBC Credit Card (4476-9299-9108-4895) to pay the Vodafone bill of Rs
1036/- for the month of November.
The amount has been debited from the HSBC card (Transaction Id - 002147) but not
yet credited to my Vodafone account due to which Vodafone has barred my outgoing
call facility.

I've spoken to both HSBC and Vodafone Customer Care Executives with no avail .
Vodafone is not ready to take any action until and unless I send them the detailed
statement of my HSBC card for reference. But my card statement will be generated on
13th November and I will receive it only on 16th November.
It will be highly inconvenient for me to wait for almost 15 days to resolve this
problem.

Kindly let me know what action should I take to resolve this situation at the earliest.

Awaiting a response.

Thanks & Best Regards,
Ravi Valecha
Contact # 91-9769482267

The complaint below is self explanatory and despite it getting raised even
with the CEOs office in India has not got resolved even after 4 months. Also
even after acknowledging that the two issues raised in the report were
system failures caused by poor management at HSBC and perhaps deliberate
attempts to forcibly take money the bank has gone ahead with the shameful
act of cancelling my credit card. And this is when I have been HSBCs
customer for 18 years with an impeccable record.

It is the high handedness, willful neglect and planned fraud of HSBC bank to
make millions by harassing its customers.

The logging of complaint on this website is an attempt to make it reach the
offices of Sandy Flockhart, CEO of HSBC Asia Pacific, Stuart Davis, CEO India
and Stephen K Green, HSBC

To Ms. Naina Lal Kidwai CEO HSBC India

CC

The banking Ombudsman

Mr. Sathya Srinivasan, Vice President- Customer Service, Nodal Officer and
CEO Representative, HSBC INDIA CEO

Ms A S Sudha, Asst Vice President– Customer Service

Dear Ms. Kidwai,

It is not often that you would receive communication of this nature and nor
do I have the time or inclination to waste mine and your precious time.
However not sending this mail will perhaps be a disservice to both HSBC and
its millions of customers and hence taking time to do so. In the normal
course I may not be as busy as you are but perhaps as busy or more than
several of your DRs and with responsibility similar or bigger than them.
Hope this mail is taken seriously and acted upon.



The basic premise of this mail is that HSBC is willfully engaged in duping
millions of clients by illegally charging huge late payment fee and
financial charges. For this it knowingly includes charges where there should
be none. And in case of the remote possibility where the client may find out
about it and complain the process is once again willfully and knowingly
designed in a manner to coerce and push the client into paying through
delays and threats.



I have been a customer of HSBC since 1992. Having closed the FCNR and
savings account several years ago, due to poor service, I continue to use
the HSBC Credit card for the ease of managing and maintaining just one card
instead of several. I am perhaps not a large card spender with a monthly
payout ranging between Rs 30K to 60K only.



At times there have been problems with my card. On most of the occasssions
these were due to lack of fool proof, robust or customer centric processes
at HSBC. The worst case being when my card was barred without any intimation
and I realized it in the middle of the night at a petrol bunk after the
vehicle had been filled. With not enough cash on me to settle the bill I was
fortunate to be carrying ICICI Credit card that day which in the normal
course is not on me all the time. What scares me is a situation if I had
found my card barred somewhere in the middle of Africa and not enough cash
to settle the bill. Perhaps I would not have been alive to write to you.



On almost all the previous occasions I had been able to get the matter
resolved mostly with the intervention of the then Head of Quality Anil
Castelino. But the recent experience, prolonging for almost 4 months, is a
nightmare and disgusting experience which certainly does not befit the name
and status of HSBC.





Part 2 of the complaint. Part 1 is in another mail already sent.



It all started with

1 wrong debit of AIG insurance premium which should not have happened in the
first place, verified by HSBC, and

2 wrong debit of annual charges even after they were reversed and confirmed




The above resulted in uncalled and incorrect Financial and Late payment
charges. With Anil having moved to a different role getting this resolved is
proving to be an impossible task. The officer Ms. Sudha, perhaps one of the
most rude & mismatched, to the role, person who should be managing this
extremely important and sensitive position she is in, and Mr. Sathya, from
the CEOs office, once again the wrong person in an important position are
epitomes of apathy, disdain and lack of customer centricity. I am yet to
come across anybody as procrastinating and unresponsive as Mr. Sathya S.
More than a 45 days and tens of reminders have not elicited even an
acknowledgment from him, leave alone a detailed response. I am seeking
reasons for the above two faux pas which have been acknowledged by HSBC.



The unprofessional interaction with Ms. Sudha was a painful experience
lasting a little over a month. She obviously has no time to waste talking to
clients, even in extreme circumstances, and happy to let the things be what
they are. My last conversation with her more than 45 days ago was only the
2nd in 45 days of two and fro. My request to seek information on the contact
person and his details to whom I could escalate the matter was responded
with The excalation matrix is on the HSBC website. Go there and find it out
for yourself and you take do whatever you want. And these golden words were
delivered in a menacing, most uncourteous, rude and threatening manner.



Post the above call I managed to reach Mr Sathya S and have been stuck with
him since close to 2 months now. So much so that despite my request for a
call and my insistence that I will pay further bills only after his calling
me up and explaining Why did the things go wrong? and a comfort plus
assurance that this will not recur Mr. Sathya S has not felt any need or has
not been able to find time to call and resolve.



For me spending these 25 min to write this mail and many more I have already
written to many agents & 10s of calls is a huge investment which is not
worth it. I would have rather spent this precious time on something
important, productive and fruitful. After all chasing HSBC and telling its
10s of employees that there processes are broke is not the aim of life. I am
here to add value to my family and society and not teach HSBC how to manage
its business. And all this waste of time for charges which in the first
place should not have appeared.


With the experience so far I am not sure if I will get to hear from HSBC but
my next payment 65K is due on December 2nd and it is not going thru till the
matter is resolved to my satisfaction.


Regards
Atul Sood
98 100 52859

Since I did not make the payment the bank chose to cancel the card instead
of addressing the issue, solving the problem and taking action against those
responsible for this harassment

Dear Sir/Madam,
I had a credit card from HSBC I was not pay my payment on time after some time I got a call from HSBC center and told me you paid XXXX amount in 2 equal installment and I paid according to that I have both reciept and zero balance statement also but My name appear in CIBIL continue and HSBC not provide me any type of no-dues certificate.

So I am not able to take any type of baking benefit because of HSBC fault.

Thanks
Ved Prakash Godara
Mumbai

I have an HSBC Business Account, personal account and savings account. From HSBC to HSBC accounts regardless of the branch it takes a matter of minutes i.e. I can move money from my business account to my personal account (salary) and its instant.

Dear Sir/Madam,

I am a HSBC Platinum Card holder of your bank and having good relations with the bank for the past 6 or 7 yrs.
In my April bill statement (my bill generation date is 2nd of every month) my outstanding was Rs 6500 and a Credit amount of Rs 7000 which was reversed by Make My trip on 4th April.
I contacted your customer care on next day to check whether this amount will adjust against my outstanding or not and your executive told me "Sir your don't have to pay a single penny this month because this amount will adjust"
So, I did pay the amount of Rs 6500 on my due date of 24th April. On my next bill the late fee charges has been levied and on 4th May I again contacted your customer care and this time your executive given me the reversal of Late fee as well as the service charges.
But from 6th May I'm receiving the calls from your collection department regarding the payment of Rs 9150. I explain the whole issue to them they told me to contact Customer care for the same. I contacted Customer care and I got response from Prabhasni and Mehak that they will update my account and I will not get any more calls.
But I still receiving those calls from your collection department and now I'm very frustrated because I never received a single call from any bank's collection center because I'm regular pay master.
I request you to please see this matter and please see this will not make any bad image in CIBIL records otherwise I have to cancel my card after paying my full dues.

I'm not mentioning my CC No because of security Issue your can check my records from my Name and Registered Phone no. given below.

Best Regards

Prashant Bareja
+919891999970