Subject: Bogus Claim of HSBC against credit card never applied nor received/used by me.
Sir/Madam,
I would like to bring to your notice the following facts for your consideration which are continuously causing harassment to me and to my family. I would also like you to read the mail trail communication from A S Sudha, Asst Vice-President - Customer Service HSBC, assuring me that the case pertains to another customer .


  1. Within 3-4 days of my joining the IBM India Pvt ltd Gurgaon office in 2008, I received a statement from HSBC on my official address of IBM at Gurgoan that an amount of Rs. 2,50,000/- is outstanding against my credit card (which was neither applied nor received by me).

  1. It is very surprising to note that I received the above said statement on my official address i.e. IBM India Pvt Ltd. at Gurgaon within 3-4days of my joining IBM office. I fail to understand how things can move so fast that I applied for the credit card, got it, used it and received the statement from HSBC in my office within a short period of 3-4 days asking me to deposit the amount of Rs. 2,50,000 alleged to have been spent by me using the credit card (which was neither applied nor received by me).

  1. The fact remains that I never applied for the credit card nor I received the same and as such there is no question of using it.

  1. I have consistently replied through emails to HSBC denying their claim of my applying/receiving/using the credit card.
  2. Thereafter, I started getting E-mails from HSBC followed by threatening phone calls.
  3. After considering my replies sent by email the bank (HSBC) finally treated the matter closed and regretted for the inconvenience caused to me vide email received on 21.11.2008 from MS AS Sudha Asst. Vice-President-Customer Service. The relevant para of the email is reproduced below.
    “We have checked our records and it seems that the calls received by you pertain to another customer whose number might have changed and not intimated to us. We understand your concerns and are sorry for any inconvenience caused to you due to this recent unpleasant experience. ”

  4. It was further confirmed from an Email dated 22.11.2008 from Tanmoy Goswami Customer Service Executive, HSBC India which is reproduced below.
“We wish to inform you that as per the revert from the concern department no HSBC credit card is linked to your e-mail id. We request you to ignore the call received from HSBC regarding your credit card.”
  1. As a result of para 6 and 7 above I thought that the matter stands closed. However, on 17.01.2012, a Sikh gentleman named Kishan Singh (of GS Finance, Jhandewalan, Bike No.HR29Y8332, Mob No. 8860864402, time 11:10 AM, as written by him in visitor’s register of the DDA apartment) knocked at my residence door and started questioning my wife on the issue in my absence.

9. I fail to understand how he got my residential address and started harassing my wife. Further, my wife received a phone call today (21-JAN-2012) from Miss Chhavi, phone number (+911409804013), from HSBC office threatening her and causing my entire family harassment and mental tension.
From above, I feel that due to the above claim of HSBC India, my family members and I are being subjected to unnecessary harassment, mental torture and agony since 23.10.2008.
Due to the above facts I am suffering from anxiety, depression and other related ailments.
You are requested to kindly look into the matter and instruct HSBC to stop harassing me and my family.


Enclosure: Previous Email.
Also to refer that the required correct mobile number of Mr. Kapil Sharma in the below mail trail is 9811157397.


Thanks & Regards,
Jatinder Arora
Sun Certified Java Programmer
Sun Certified Web Component Developer






Subject: Your concerns regarding HSBC Credit Card
To: arora_sd@hotmail.com
From: sudhasadhanandhan@hsbc.co.in
Date: Fri, 21 Nov 2008 11:55:55 +0530


Dear Mr. Arora,

Re- Your concerns relating to a HSBC Credit Card
Reference 201120081821

We refer to your email of 17 November 2008 addressed to Mr. Rahul Varma regarding calls received from HSBC.

We have checked our records and it seems that the calls received by you pertain to another customer whose numbers might have changed and not intimated to us. We understand your concerns and are sorry for any inconvenience caused to you due to this recent unpleasant experience.

We request you to give us your contact numbers where you have been receiving these calls to enable us put a permanent hold on all the calls being received by you. A reference to the recent most call received by you with the details of the date and time and the number from which the same was received (if possible) would also be helpful trace these calls. We have noted the number that you had provided to us earlier of Mr. Kapil Sharma (981157397). However this has only nine digits because of which we are unable to proceed further.

We fully appreciate that you would like this matter resolved as soon as possible. HSBC is committed to serving the best interests of all our customers. In view of this, we have put rigorous complaints handling service standards in place for handling any complaints fairly and speedily.

Should you require any further clarifications, please do not hesitate to write to me at sudhasadhanandhan@hsbc.co.in

Assuring you the best of services, always

Yours Sincerely,

A S Sudha
Asst Vice-President - Customer Service