HSBC Bank/Credit Card
Credit Card Charges

This is with reference to my credit card no. (4384 5999 9089 3199), which is now been blocked by your Bank. I have been receiving bills from your bank claiming that there is non-payment of dues from my side to the bank.

I would like to bring to your notice the following facts which you can independently verify from your bank records:

I had not received my bill for a particular month because of which I did not make payment for the bill. On realizing that the payment is due, I immediately made the payment. Then I called the bank official to reverse the charges and they agreed that they will the same. On receiving the next month’s bill, I noticed that only ‘late payment charges’ were reversed and not the ‘financing cost’. I have made all the payments for the purchases I have made on the card. I called up the bank to reverse the other charges as well but they did not do so. This went into dispute and after which none of your officials have been able to understand my issue. The disputed amount initially was only around Rs. 400 but which has now increased to Rs. 4, 000. Many officials have called me but none has been able to answer to my query of why I should be penalized for the fault of the bank official. On the top of all this your bank official who calls me are not aware of the whole issue and every time I have to explain to them after which they just tell me that they cannot do anything on this and will get back to us. I have sent several mails on this to the email ids mentioned on the ‘grievance redressal’ of your website. I have not received any satisfactory reply to it and all the replies that I received are not within the time limit specified on the website.

Your bank officials have harassed and threatened me on phone to make the payment. On getting really tired on this I asked for amicable settlement to get rid of the calls instead of no fault of mine. But the lady made personal comments which I could not accept and asked her to call me later on which she never did.

I think the issue is not being attended purposely so that the charges go on increasing and I am scared of the threatening by your officials.

You will have to answer me the following queries:

1. If the fault was mine for making late payment, then why did the official confirm me the reversal of the charges on phone?

2. Why am I being penalized for the fault of your bank official?

3. Why were my queries not answered on time?

4. Why are your people calling me without doing there home work?

5. How can your official make personal comments like “Sir, payment kar do na, aap to bahot kanjoos ho. Do hazar rupaiye mein appka kya jayega”. This will be taken up very seriously by me even in the consumer court.

Request you to please look into the matter as soon as possible and reverse the charges since they are wrongly charged. Failure to get any response to this letter will force me to file complain under the Banking Ombudsman Scheme.

Regards,

Nirav Shah

Company: HSBC Bank/Credit Card
Country: India

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