Dear Sir /Madam,
1. I was having a Credit Card No.4476 9212 0523 7302 from HSBC Bank with validity period from May to May. This card was cancelled by me in 2005 after clearing the Out Standing Payment as on date due to non-wanting of this facility.
2. In month of July, I received a Credit card Statement (CCS) from HSBC Bank was showing out standing Amount of Rs. 20371.68. I shocked to see this as neither I was using this Credit Card nor I left any out standing with Bank.
3. I contacted Bank on Telephone, they assured to look into matter and revert back soon, However I did not received any message from Bank even after a month. Meanwhile I received a letter dated 05.08.2009 from HSBC stating that they have reduced my Credit facility, which was ignored by me as I was not Using this facility and Credit Card was cancelled by me as well as its Validity was over in May. So there was no ground left to take this matter seriously.
4. In Month of August- I received another copy of Credit card Statement issued from HSBC, stating Net out standing Balance of Rs. 11634=00. Surprisingly, In this statement Rs. 10, 000 was deposited by cheque No. 433078 by some one. it shows that Credit Card facility is misused by some one even after Validity is over.
5. When I again approched Bank on telephone soon after receipt of this statement, they informed me about the Balance Transfer of Rs. 25000 was made from HSBC Credit card Account to HDFC Credit card No. 5243 6811 0055 4610 on 20.10.2008. This is also instance of misused of unvalid Credit card.
6. I written a letter to HSBC Bank on 01.09.2009 stating to investigate following points.
(A) If Credit card was cancelled and Validity of the card was up to May, How it become live?
(B) How Transection of withdrawl of Rs. 25000 in favor of HDFC Credit Card No. 5243 6811 0055 4610 on 20 .10.2008 become possible? Why can n't you catch this HDFC CC holder.
(C) Who deposited Rs. 10000 by cheque No. 433078? Why cann't you catch culprit though you have enough evidence of Misuing the Credit card?
7. Meanwhile, HSBC bank send me a Fresh Credit Card in September without any notice/request from me, Which was not accepted by me and send the courier back.
8. Surprisingly I received Credit card Statement of Credit card No. 4476 9299 8905 3373, Which I never owned, in month of October stating out standing Rs. 772.10.
9.They go on sending me Credit card statement every month then after but not listening my request and ignoring the fact.
10. I received last letter from them dated 18.10. stating They have investigated the matter and confirmed that Balance transfer was opted by me and cheque payment toward the same is signed by me.
Despite the Fact, I have cancelled the Credit card facility well before in the year How they allow the transaction in the same Account even after expiring validity of credit cards?
Why they are not approching HDFC credit card holder who has shifted Rs.25000 from this credit card? Why they are approching Some one who has deposited Rs. 10000 by cheque.?
I would like to request your good offices to high light the issue in front of HSBC Bank and to resolve the issue to getting me justice.
Thanks & Regards,
B L PATEL
Baroda
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