Reny K Philip
No.2, VOC Street,
Nilamangai Nagar,
Adambakkam – Chennai – 600 088
[email protected]
OCTOBER 22
To
The Manager,
Credit Card grievance Redressal Cell
HSBC
#96, Dr. Radhakrishnan salai
Chennai – 600 004
Dear Sir,
I have been issued a credit card bearing No. 4476 9299 8930 6581 in August as a life time free card.
I have taken a loan against that card in 2010. To my surprise I found in the statement for the month of September that the bank has debited annual fees of Rs.1050/- ST to my account.
When contacted, the customer care executive informed me that I have to close the loan and cancel the card. Otherwise they should inform me that the annual fee will be debited if I take loan. If I have enough money then why should I take loan from the bank?
Without my consent and not informing me the bank is debiting Rs.1050/- Service Tax every year in my statement. (Rs.750/- for primary card and Rs.300/- for add on card) is not fair from the Bank’s part.
And in September also the Bank has debited Rs.1050/- service tax to my account. I have received a message from the Bank that my renewed card has been sent to my address. But the courier company did not deliver the card to my address so far and I am not in receipt of the card also. More over I am not interested to have the renewed card if it is not for free.
Hence I request you to kindly reverse the charges debited to my account i.e. Rs. 3150/- ST (Rs.1050/- * 3 yrs) and the interest charges on that amount. And also I request you to kindly cancel the renewed card which I have not received yet, if it is not a free card.
The balance amount I owe the bank is Rs.9738/63 as on today which include Rs.3150/- ST and interest. I have been paying the dues regularly which you can verify from my account.
Hence I request you to kindly reverse the fees debited to my account and cancel the renewed card and oblige.
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