During the month of July I have applied for a credit card with HSBC due to the pressure of a marketing person. But I have not received any credit card from the Bank. But they have sent SMS to me demanding some minimum amount of Rs. 40.84 from me. Immediately on 25.10.2008 I sent a mail to [email protected] stating the entire history of the case and requested them to cancel the card, as I felt that the customer service of the Bank was very poor. Again 4.11.2008 I sent another mail and requested them to cancel the credit card as I have not received the same and informed them that I will not entertain any liability if the card was misused.
They have not taken any action, but subsequently I have not received any communication from them through mail or SMS.
But during the month of January I have received a message stating that the card (No ending 0938) is going to be renewed and will be forwarded to me around April. I was surprised by this message and sent a mail on 27.01.11 informing the entire history and requested them not to send the card to my Chennai address as I have already transferred and also not interested in their card.
But again they sent one SMS on 03.06.2011 stating that the card has been despatched and I have to pay a total payment of Rs.1198.99 and a minimum due amount of Rs.140.84. This appears to be rediculous.
I have repeatedly informing them that I have not received the card and not interested in it anymore. It is very surprising that for a card not received by me and not utilised by me during the past 3 years and 6 months, they are demanding payment.
They are harassing me by making telephone calls. Every time I used to tell the same story to them. What is the technology they are using? Can't they verify, whether the card was delivered or not? Cant' they verify whether the card was utilized or not?
Is it there inefficiency or there method to increase the profit of their bank by torturing innocent people?
It shows very poorly on the performance of the so called foreign banks. It appears that they are here only to exploit the people.
I wish that by publishing this complaint, the general public can understand functioning and state of affairs of these Banks.
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