Case History:
I purchased a HSBC card xxxx-xxxx-xxxx-0165 (and an add-on card xxxx-xxxx-xxxx-8492) in july. The expiry date of both the cards were july and card Limit was 15, 000.The main card (ending with 0165) is against my name and add-on card (ending with 8492) is against my wife's name.
I was working in Bangalore when I purchased this card. I quit the bangalore company in December and joined a company in Mumbai and presently residing in Mumbai.
I never used both the cards (main card ending with 0165 and add-on card ending with 8492) and not even done any single transaction on both of them.
Complain:
Now, I am getting calls from recovery department, HSBC about paying balance of about Rs 46, 000 against a card no. xxxx-xxxx-xxxx-0948. They are saying that there is some transaction on this card (xxxx-xxxx-xxxx-0948) after July. But this card (ending with 0948) is not the one which had parchased earlier.
When I verified the HSBC department, they said that HSBC delievered a replacement card xxxx-xxxx-xxxx-0948 after the expiry of my card (main card ending with 0165 and add-on card ending with 8492) to the Bangalore (old company) address. But as I had already quit the company and shifted to Mumbai in December, I didnot received this replacement card (xxxx-xxxx-xxxx-0948) after expiry of my cards (main card ending with 0165 and add-on card ending with 8492).
I want to know why HSBC delivered the card without verifying my identity and knowledge. I know that as the Telephone No./mobile No./email Id updated in HSBC record was invalid after December, then they should not have delievered the replacement card.
I can understand that the replaced has been misused by somebody. But why should I pay the pending amount as this is a fault of HSBC.
I will not pay the amount pending against the card (xxxx-xxxx-xxxx-0948) as I am not responsible for all this irregularities. I request you to please look into this matter.
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