Thread: HSBC credit card complaint

Hello,

Kindly provide us your full contact details with a valid email id and the phone no. of the agents.

About 6 years ago I owned a credit card (4384-5999-9602-4948) issued by HSBC Bank. I got this credt card cancelled more than 3 years ago (by calling the phone banking number of HSBC). After cancellation, I stopped getting any statements for this credit card. According to company guidelines, I cut the card into 4 pieces and discarded it. Now, after 3 years, I have started receiving calls from HSBC credit card collections department saying that approximately Rs 9,600/- has been spent on this credit card and that I need to pay them the outstanding amount. Over the last 6 months, I had received some calls from the collections department of HSBC requsting me to make a notional payment of Rs. 150/- and Rs. 175/- respectively, after which they would investigate my case in detail and close the case. Despite no fault of mine, I still paid Rs. 150/ in December 2008 and Rs. 175/- to HSBC in April 2009 just so that this matter be investigated. However they did not take any action on this case. I have tried explaining to them that (a) I cancelled this credit card 3 years ago (b) During the last 3 years I have never got any statement mailed to me (c) I do not possess this card as it was physically destroyed. I have been requesting them to investigate this matter that their end. However, they are not ready to address my grievance and instead, they are trying to force me to "settle" the 50% of the amount. The collection agent Mr. Akshay mentioned over phone that even after making 50% of the payment, my name will be blacklisted in the Credit Information Bureau (India) Limited (CIBIL) because of which I shall be unable to apply for any loans (from any bank in India) in the future. Over the past few weeks, I have received several calls from the collections department. When I told Mr. Akshay that I would report this matter to the Department of Consumer Affairs / Consumer Courts, he started threatening me with a lawsuit that HSBC bank would file on me. All this desp
I feel intimidated and threatened by the repeated phone calls being made to my mobile phone by HSBC representatives. I fear that HSBC bank might dispatch some recovery agents to my home who might harm me, my family and my property. I have suffered loss of peace of my mind and suffered an additional loss of Rs. 325/- in the form of payment that I made to HSBC credit card department to investigate and close this case. Moreover, I now face the threat of my name being blacklisted in Credit Information Bureau (India) Limited (CIBIL) because of which I shall be unable to apply for any loans (from any bank in India) in the future.
I would like HSBC Bank to investigate the matter over their end. They should accept the fact that since I cancelled the credit card more than 3 years ago and I stopped receiving any form of written communication from the bank (like credit card statements or special offers), I do not have any liability to pay them the outstanding amount on any spending made on the credit card 3 years after I made the cancellation. They should send me a letter signed by the concerned authorities with the bank seal / stamp and hologram) giving me a guarantee that all the outstanding amount on this credit card is being withdrawn and that I do not owe any money to the bank. Most importantly, they should give me a written guarantee (with the bank seal / stamp and hologram) that my name will not be blacklisted in the Credit Information Bureau (India) Limited (CIBIL). Also, they should give me a guarantee that it is their responsible to block this credit card to ensure that someone else should not be able to spend any further amount on this credit card.

Sir,

Im Ramesh Ramteke, from nagpur a govt employee. i owned a HSBC credit card - 4384599987571154 in yr june 2008. i regularly pay the bills. in month june 2009 they charged Rs. 3000 as annual charges. i spoke to customer care i requested to clear annaul charges as thier executive told me "No hidden charges" and "No Annual charges" will be in this card and as mentioned in their booklet.

i also requesting them from last 3 months to make full and final settelement of my account. but Collection department said to contact Customer care. also Customer care said to contact Collection department.

I want to make payment which is reasonable. but collection department only calling, giving miss calls from following nos. 04039807000; 04066502700; 04039807400;04040342000; 04039807500. Im not getting whether HSBC Bank got so poor to give miss call.. this is irritating and pathetic. not even think about that im dealing with a poor bank like HSBC.

I request you to please help me to get full and final settlement and to get NOC and me to Pay the payments.

Reagards.

Ramesh Ramteke
09823984377
harshel_hhh@yahoo.com

Dear Mr. Ramteke,

First of all, we would like to advice you, not to disclose your complete credit card number and other details to anyone/any merchant or on any website.

To sort out such kind of Banking complaints, you will have to send a written complaint to the Head Office of the concerned Bank and wait for the response for near 15 to 20 days. The HSBC Bank's head office address is:
C/o Managing Director, HSBC Bank,
52/60 Mahatama Gandhi Road,
Mumbai, Maharashtra - 400001.
Fax. No. 22-22670703.

Hi,

can anybody provide me the Email address of C/o Managing Director's, HSBC Bank, so that i can register my complaint.


Thanks and regards,
Tirth

Hello,
I am a HSBC credit card holder with ‘add-on’ card being used by my brother-in-law. He rented an apartment in Kansas (USA) and paid for insurance through internet. He left the apartment after few months. However, the insurance company renewed the policy and managed payment from HSBC without informing him. He complained to the insurance company and they have promised refund of the amount. My question is-How HSBC paid the amount to the insurance company without authentication from me or add-on card user. They are charging me overwhelming interest as I refused to pay the amount. I have got number of calls from them for payment and everytime I have explained that I did not authorize the payment. Now, they are threatening me that they will report to regulatory authorities and in worst case scenario, I will not get loan from any bank.

i was promised that i will recive my replacment credit cards in 10 working days, ( abdoun branch, amman jordan ) . along with some old statment i requested .

how ever it took almost one month to recive only the credit cards ,and valid only for 3 months. i made sure to your bank that iam always traviling and i need the validity for one year. it realy dosnet make any logic to me that your branch send me 3 months only , and then i have to go through your complicated steps again a month from now ????????????

mr ghaith alnabulsi ( abdoun branch ) , advised that ,this is the way it is , i either take it or not .your staff ms sayedah from jabal alhussain branch , till now she hasent sent me my statment ,although 3 urgent emails and calls were made to her . i would like to advise u that i also paid for those copys.

iam so disapinted at your service , i feel that hsbc just wasted my time , waiting and waiting . the only staff which realy tried to help me mr ghanma.but of course he had no athourity .

i realy would like to ask you a qustion
what makes your bank diffrent than the local banks ??????????????????????????

huwaidi ibdah
huwaidi@jordanaviation.jo
director of capacity and systems
jordan aviation airlines

hi Sir, MAm ,

This is to inform you that for th past 3 years am using HSBC credit card services ,
From the begining am geting your statements properly , but for the past few months
am getting following issues


I made my payment before my due date itself , but still there is some late fee
shows for the same ,
And there is fee for 350/- (NSF FEE1 ASSESSMENT) , Am not understanding what is the
process ?
There is charges for 989/- for statement ? Why should we need to give this fee for
statements ?Its respective banks responsiblitys . Why do you want customers to
suffer like this
Being in Banking service there is no proper mail id to communicate our problems ?IS
this your services level ?
It seams poor services is going on your bank , and provide me a clear justification
on this .
You can reach me @ 09841511295 for any clarification on this
Regards,
Shajahan

Dear Sir,

I have had hold your credit card no 5548 **** **** 3108

last more than one yera i have not recieved any statement/invoic efrom your end

suddenly i recieved statement dt 26th oct 09 which claims exaggareted amount

when i checked the statement the adress mentioned was wrong.

i.e. pincode no is wrongly mentioed

i called up your collection dept 0n 022- 6666 7070
during NOv but never got any response from the Dept

i called up 3-4 times but invain

i am really feel that i have been mentally harassed by your bank

pl do th eneedful so that image of your bank remanins good

B Rgds
NIlesh Rathi
0986 7373 672
mumbai

I had an HSBC credit card some 3 yrs back, due lack of proper services and undue late payment charges being levied on my card i stopped using the same within 5-6 months of issue.
I would never get the credit card statement in time, neither through snail mail, email or even SMS. On top of these they would charge me late payment fees. Due to all this i stopped using the card and opted for a StanC card.
I made whatever amount was due in my card and closed the account.
Now after 3 yrs I get phone calls from HSBC's recovery dept. that some Rs. 4000+ amount is due in my card and I'll have to make this payment to avoid listing as a defaulter. I have been told that it was actually the closing amount on my card which I had not paid and is now blown into this much amount.
At the time of the issue of the card I was told that this was 'free for life' card and there would be no additional fees at all whatsoever. Even the Terms and Conditions document did not mention of any Closing amount that would be charged in case of Card Closure.
Now the recovery dept. reps are asking me make the settlement with a lesser amount but I dont understand why I should pay anything at all for a service that I am not availing
This is a total RIP OFF on HSBC's part.

Dear sir,

I had a HSBC Visa card while I was living in India and closed the account upon leaving. In May of 2008 I received a final settlement from HSBC which I paid in full and instructed that the credit account was terminated at that point.
About three months later I recieved another statement for an outstanding amount. I have tried for over 16 months to find out what the charge is for. I have paid hundreds in phone calls, countless emails. I even went the the head HSBC office in Singapore to settle the issue.
I cannot pay a statement unless I know what I'm being charged for.
I just keep going round and round and every month recieve a new statement with addational interest charges.
Can anyone please help me resolve this issue.

Best regards,

Jack Steinmetz

Dear All,

I have been a HSBC customer in Bahrain for several years now and although their services are not the GREATEST the convenience of having hem close to where i live is what makes me stick on.

Although i have now had enough of HSBC and no longer will bank with them.

One morning almost a year ago i received a phone call from the cred card collection department asking me for the payment, i was confused as i have a standing instruction to debit my account. I was told by the not so KIND gentelmen that i DO NOT HAVE AN ACCOUNT with HSBC. First i thought they were joking and i commented "how do i have a credit card with HSBC but no account???" i went to the bank and found out that they did not have any record of my account- gone- vanished- where ??? they had no clue. Thanks to the highly qualified and compitent staff they deleated my account !!!!! with my money missing , more like STOLEN by HSBC.

after 2 long weeks they reinstated my account and said it was lost during system upgrade... NOT an appology nothing.

Now they have blocked my credit card although i have paid in FULL , been to the branch 4 times and called over the phone 7 times no resolution, they dont even know what the process is not one of them and i spoke to a few.

conclusion close my account return their credit card and never ever bank with them.

GOOD RIDENS TO BAD RUBBISH!!!!!!!!!!!!!!!!!!!!!!

pranesh

Sir\ Mam
This is to inform you that
My name Abhishek Jain. I got some issues in my CIBIL report because of Credit card no 4476 9299 9259 7663. which is showing outstanding amt of Rs 88256.I got this info. from your bank including credit card no. while visiting nearest branch of HSBC bank for enquiery.
Plz note I am writing this mail today,because today only I saw my CIBIL report and got to know abt this problem.Before to this It was not brought to my notice from bank by any way or communicated. (As I left the hyderabad on Sept 2006,so not aware with any communication on that address)

Kindly request you to treat it on priority, I would be happy to help and co operate to bank in any form.

For Back ground purpose:

I have applied for credit with HSBC bank in yr 2006 some time.But then I transfered to pune from hyderabad in Sept 2006 from Satyam Computers.

So i didnt received above mention credit card(4476 9299 9259 7663) any time. So I want to know then why this outstanding amt is pending against my name even i never used that card.

Abhishek Jain

9850391639

Pune

respected sir,

anki needu n
credit card number 4384599914632954


namste

i have been using the credit card. card was issued to me a free card with out annual fees. on 25-3-10 i was received a telephonic call stating that your card is overdue by 1006/-. to ny surprise i was shocked to note after receipt of my monthly statement that a sum of rupees2000/- was charged as annual fees. in this regard i submit that sir i am using the card for many years with out any charge and now without my knowledge and any enquiry i was penalised by charging rs2000/- as annual fees. since the card was issued to ne was a free card,iam allowed the card without any fees. kindly make use of your good offices and waive the annual fees of rs2000/- charged to my credit carf. when i called the phone banking officer today at 16.45hours they expressed their inability to waive it off hence the conplaint

kindly do the justice

my mail id is ankineedu10@gmail.com

thanking you sir

anki needu
hyderabad
9440215294