I was given a credit card by the HSBC Bank executives while I was employed as an Engineering Manager in a Software firm in India. It was given to many employees along with me and claimed that it’s
a lifetime free card.
1. Unfortunately the Wireless division of the said firm collapsed and most of the executives of the division moved out along with me.
2. The Bank then started levying the yearly fees to my account. I sent them multiple requests but there was no response by the bank.
3. I deposited the entire outstanding amount to the bank (except the yearly fees, plus the service taxes levied on top of it), trashed/destroyed the card and sent it over registered post to the bank
along with the request to close the account citing the above reasons for closure.
4. There was no response from the bank. So I sent one more registered letter to the Vice President of the Bank along with all the proofs. This was almost 2 years back. It was only then the mails
stopped coming.
5. One year back again the same problems started, but when I spoke to the executives and explained them everything. Things settled down and there were no longer problems.
6. This year again I started getting calls and the statements. Moreover there are threatening calls being made to my wife. And I am not even staying in Delhi anymore, where my wife resides.
7. Now after sending them multiple mails to their Nodal Officer, there is a reply from the department along with the statements which clearly show the amount manupulation being done by the credit
card guys. But again they have written to give them my number and clear the dues which are actually not there.
7. The telephone numbers from which the guys call are hunting numbers and while trying to call back, it says that the number does not exist. So the problem is that we can't even lodge a formal
complaint against the harassment/threatening calls.
My questions are:
1. When I had paid the entire outstanding amount and requested the closure of the account after trashing the card and sending it over the registered post, why it did not happen.
2. If the bank checks the records, they will not find a single entry of card being swiped/used. So how are the charges being levied on me.
3. Why is not the account being closed till date.
4. Why don’t the Credit Card executives send communication over written along with the entire statements as to where the card has been used and where the purchases have been made. They
cannot do it as the card does not exist from past 3 years or so.
5. Why do the Credit Card executives make fake promises when the Bank does not offer the fee waivers. And why doesn’t the bank take the responsibility/ownership of the statements made by its
executives.
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