Dear Members Of Complaints Board,
Myself Abhay Agrawal Age 29 yrs, working in a MNC as an Area Sales Manager – Gujarat. I had one complaint against HSBC Credit Card.
I had applied for HSBC bank Gold Card, two executives have visited my office (at Indore) and bank has sent me two different Gold Card. But I had chosen one Gold Card 4384 5999 9876 4863. I broke second card & drop into HSBC bank cheques collection box. At the time of form filling Sales Executive has committed me that this card is life time free card. I received card on 30th August with credit limit of Rs 50, 000.
From 1st Sept’04 to 30th August’05 there were no problem, I was using card smoothly & paying timely. My billing cycle was 7 to 6 every month. On 7th August’05 to 6th Sept’05 statement bank has charged 2000 Annual Fees & Appx Rs 141 other charges. I called to customer help line and after discussion with tele Officers he assured me that we will reverse amount in next statement, please deposits balance amount & use card without any hesitation (as per statement due amount was Rs 6141 so I paid Rs 4000 by cash 8 * 500 = 4000 on 22.09.05). As per bank difference between dues & paid was Rs 2141.
Next month I only use Rs 569 facility from bank, but in next statement annual charges has not been reversed and total outstanding went to Rs 2884.75. I again called to customer help line, again officer assured me that this will reverse 100% in next statement, pls pay balance amount. I paid Rs 570 (which actually I was used and have to pay as a genuine customer) by cash on 18.10.05.
But in next statement again Annual Fees was not reversed and total dues amount went up to Rs 2395.67. This time I called on customer help line & asked about discontinue my card facility. Tele officer advice me just broke the card & drop it on cheques collection box of HSBC bank, your facility will automatically discontinue. I did exactly same.
But statement is coming continuously and dues amount is growing every month. In between I shoot mail to HSBC customer care helpline also, but nothing has changed. And as per latest statement total dues amount is appx Rs 6800.
Now collection agents are coming to my house (Indore) & calling regularly, they are using abusive language with my family & parents. I am also using ICICI bank credit card from 29th march and in span of last four year, not even a single time I faced any problem with ICICI. I am very regular about payments and using Credit Card as an additional facility provided by bank.
This is just cheating with customer, coz at the time of Form fill up executive claim something, and in reality bank did differently.
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