To,
General Manager,
HSBC Customer Service,
Credit Card Services.
Subject: Prolonged delay in the credit card billing dispute resolution
Dear Sir,
I am disputing over the entire amount against my credit card which has rapidly mounted around the 9000Rs/- mark till date. I have been following up this case since October till date with minimal ‘CONCRETE’ response from the HSBC Customer Service department. Each instance I enquire for an explanation on the dispute (via email), I receive an instant ‘Reference Number’ from HSBC. The reply to the dispute does not contain any kind of concrete analysis.
It all started from the month of October when I did not receive my statement for the month Aug – Sep 2007 at my official address due to some unknown reasons. But, I received a call from HSBC Collection department at Malad (West) Link road on the 3rd October requesting to make a payment of 4800Rs/- by the closing hours of 4th October. We fulfilled this request on time & I am attaching a photocopy of the same for your review. From that month onwards we started receiving statement with Late charges, joining fees for the Primary & secondary card. I did speak to your office from Chennai & the executive promised me to reverse the late fees & other additional charges. But as you know, you speak to one person & next time the case needs to be explained from scratch. This process continued till I finally had to travel out of India. My card was blocked but still I was receiving the monthly statements. I replied several times via email & also requested HSBC to send an executive in person to settle the disputed dues during the specified time I would be in India. I did receive a positive response on email but no Concrete action.
This time I have lost my trust in HSBC & made a sincere effort on the 5th June to call the HSBC Customer Service Centre & settle this prolonged dispute once & for all. I was given different contact numbers. Finally, I spoke to a commanding Assistant Manager named Mr. Ajay Joshi on 022-67115689.He assured me to retrieve the details of the pending payment against which I was accruing interest. Also, he said that if I fail to make a payment of 250Rs/- by the end of 5th June, my case will go to the legal department. I did make a cash payment as you can see in the supporting documents. As it was a old case, he said it will take 1-2 working days for retrieval of the data. I did remind him on the 9th June, but he said 2 more days. This added up to my frustration which compelled me in composing this letter.
HSBC being one of the most coveted & respected MNC Banking company in the
world, I wish to continue as a HSBC “satisfied” customer. Kindly investigate this dispute and provide me with a written analysis of the outcome.
Thank You for your time and attention to this matter.
P.S. AS THE CARD HAS BEEN CLOSED SEVERAL MONTHS AGO, I SHALL NOT ENTERTAIN ANY FURTHER STATEMENTS FROM HSBC HEREAFTER.ALSO, I SHALL NOT BE MAKING ANY FURTHER PAYMENTS TILL THE DETAILS OF THE PRINCIPAL AMOUNT ARE SPELLED OUT CORRECTLY.
Sincerely, Edward Fernandes
(HSBC Customer)
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