RE: Your HSBC credit card ***5902 (KMM3422865I123L0KM)
From: Saurabh Singh ([email protected])
Sent: 01 April 10:21AM
To: [email protected]
Dear Ms. Georgina Sum,
Kindly peruse all my previous mails on the subject (appended below this mail for your ready reference), in the past.
The problem started in Dec '08 and not in Jan '09. I did not receive my monthly statements starting then. I have cleared all my dues pertaining to any transactions that have been made until then.
However, I refuse to pay any Late Payment Fee and Finance Charges on account of wrong debiting of my account by HSBC.
Kindly go through my past mails appended below and you would know the contextt of the problem. Also, I would request if only one person was examining the problem as there is a different person each time replying to the mails resulting in prcious time and effort being wasted in making him/ her understand the problem all over again.
I am not asking for any favours, I have cleared all my dues pertaining to any transactions made by me. Even now, I am told that the Due Date for Payment of INR. 613.84/- is 03 Apr '09.
If you are not willing to understand and resolve the genuine complaint of a loyal customer, Please Freeze the Account pending the resolution of this problem as I am not willing to pay for unwarranted charges on account of deficiencies on the part of HSBC.
It's not the question of INR. 613.84/- only. It's the question of the bank accepting it's mistake, rectifying it and and taking adequate steps so that such a situation does not re- occur.
Therefore, pending the resolution of this complaint I request you to "BLOCK" my card immediately so that no further charges (Late Payment Fee, Finance Charges) are levied on the card on 03 Apr '09, again as that would mean an unending agony for me.
To put you in perspective, the outstanding amount due against my card as of today stands at INR. 1555.18/- which is entirely on account of Late Payment Fee and Finance Charges levied since Dec '08. In the last mail from HSBC written by Mr. Makhija yesterday, he informed me about reversal of charges amounting to INR. 941.34/- only.
My contention is that the problem started in Dec '08 and not in Jan '09. Inspite of not having received any statement I paid an amount of INR. 1506/- via cheque and since then have not used the Card even once.
Clearly, my intention has not been of misusing the card by not paying for it later nor have I refused to pay for any legitimate purchases that I have made. Infact, I have cleared all dues against purchases made by me (INR. 1506/-). However, I am outrightly against being held to ransom and arm- twisting by repeatedly being levied unwarranted charges due to non- resolution of the problem in a time- bound professional manner.
Madam, I am not seeking charity. All I ask of you is to examine the case in detail and then resolve the issue. Pending that, kindly "Freeze" my account and "BLOCK" my card so that you do not go about levying anymore Late Payment Charges, Finance Charges against my name as I am not going to pay such unwarranted charges that occured in the first place due to HSBC.
In the event of you not being able to resolve this issue, kindly let me know the way to escalate the issue further as I need to resolve this issue, once and for all.
From
The Desk of... Saurabh Singh
Mob No.- 9958726655
Complaint- Credit Card No.- 4384 5999 1055 5902
From: Saurabh Singh ([email protected])
Sent: 24 March 12:10PM
To: [email protected]
Dear Sir,
I have been using a HSBC Gold Credit Card No.- 4384 5999 1055 5902 of your bank. I did not receive my Credit Card statement for the month of Dec '08, Jan '09 and Feb '09.
I had called up your Call Centre and asked for the dues against my card and was surprised to be told that their were late charges levied against my card. I stated the same problem to them and was advised to make the payment for all the purchases that had been done by me.
I accordingly made a payment of INR. 1506/- vide Axis Bank cheque no.- 329994 dated- 19th Jan '09. Now, I have again been levied late charges/ finance charges and other misc. charges.
I have been a loyal and sincere user of my credit card throughout. I have tried to put across my problem many times to your Call Cantre executives but have not got a resolution to my problem.
May I therefore request you not to debit my card for any extra charges as I have not even used my credit card since Jan '09 for the fear of being charged extra.
I wish to reitrate that I have cleared all dues on account of any purchases that I have made using the card and that I do not owe anything to the bank on account of any purchases. May I therefore please request you to clear my name from the list of debtors.
Please acknowledge.
A Harassed Customer,
Saurabh Singh
Mobile No- 9958726655
Complaint- Credit Card No.- 4384 5999 1055 5902
From: Saurabh Singh ([email protected])
Sent: 30 March 16:21PM
To: [email protected]
Dear Sir,
Please refer to my mail (appended below) dated 24 Mar with regards to my HSBC Credit Card No.- 4384 5999 1055 5902.
I am yet to receive an acknowledgement of the same.
Kindly arrange for the early resolution of my complaint.
Thanks
Best Regards
Saurabh Singh
Mobile No- 9958726655
Re: Your HSBC Credit Card*****5902 (KMM3411015I123L0KM)
From: Saurabh Singh ([email protected])
Sent: 31 March 10:07AM
To: [email protected]
Dear Ms. Mukherjee,
I am surprised on receiving your mail. Instead of going into the details of the points mentioned in my mail, you have sent a "One Size Fits All" mail asking me to pay INR 1555.18.
Madam, I have no objection to paying money on any legitimate purchases that I have made. However, in this case INR. 1555.18 is towards Finance and Late Payment Charges that you have levied on me inspite of the mishandling of my account.
Even now, you have chosen to reply after my reminder mail yesterday.
What kind of a customer service do you provide your clients? I have repeatedly called up your Customer Care executives regarding the resolution of my query, but to no avail.
I have written twice to you and elicited a response only today after reminders.
You have chosen not to resolve my complaint and are instead asking me to pay INR. 1555.18 (for which i have not made any purchases) by 03 Apr.
Today is 01 Apr '09, if you want to go ahead and levy any further charges against me for non- payment of this amount (INR. 1555.18), please feel free to do so. I refuse to be wrongly levied unwarranted charges on account of deficiency in services and then be arm- twisted into paying up.
I have been a diligent customer of your bank and have strived to remain as patient as possible in the given circumstances. However, if this is the way you treat your customers, please "BLOCK" my card forthwith and close my account. I do not wish to bank with HSBC any longer.
As far as paying INR. 1555.18/- is concerned, I will be approaching the Banking Ombudsman for the resolution of my problem. Pending that, please freeze the account, immediately so HSBC does not go about claiming an amount even more than the present one.
Please acknowledge.
Best Regards
Saurabh Singh
Mobile No- 9958726655
Dear Ms. Nair,
I had made only a part payment of INR. 1506/- as I was advised by your Call Centre executives to do so. I have repeatedly got in touch with your Call Centre executives and told them of non- receipt of the Bill and was accordingly advised by them that I should make the payment for the purchases made with the card only and any charges wrongly debited to my card would be reversed after that.
Now, why are you not understanding the root cause of the problem.
Please peruse my earlier mails on the subject and "BLOCK" my card forthwith. I do not wish to continue with such high handed behaviour on HSBC's part.
Pending a resolution of the complaint, kindly freeze the account at INR. 1546.94 only as I will not be making any payment on 03 Apr '09 till such time I have been given a redressal of my problem by the Banking Ombudsman, on the issue.
However, I would like to bring to your notice a discrepancy in the amount mentioned by you since you have mentioned an amount of INR 1546.95 while the previous mail from your office by Ms. Debika Mukherjee had given a figure of INR. 1555.18.
Thus there is a discrepancy even on this amount at your end.
Please do not have a " One Size Fits All" approach. Kindly understand the genuine problem of a customer and strive to atleast solve it.
Kindly acknowledge the freezing of the account immediately so you do not go about levying any further unwarranted charges on my account.
Also let me know the method of escalating the issue to the next higher level, so I could get a redressal of my problem, at the earliest.
Regards
Saurabh Singh
Mobile No- 9958726655
RE: Your HSBC Credit Card: 5902 (KMM3421379I123L0KM)
From: Saurabh Singh ([email protected])
Sent: 31 March 15:12PM
To: [email protected]
Dear Mr. Makhija,
The amount outstanding against my credit card as quoted by Ms. Debika Mukherjee of your office is INR. 1555.18/-.
Prior to this, I was informed in January by your customer care executives on the phone that purchases made by me were INR 1506/- which was duly cleared by me in January itself via cheque.
Since then, I have neither made any purchases nor used the Credit Card. Now as per your u/m mail, you have reversed late payment fees and finance charges amounting to a total of INR. 941.34/- while the total late payment and finance charges levied on my card were INR 1555.18/- as per Ms. Debika Mukherjee's mail.
Thus, there is still a discrepancy of INR. 613.84/- which needs to be sorted out. I would once again request you to clear the discrepancy at the earliest as I do not wish to see any debit against my name when I have actually not incurred a single penny of expenditure on my card.
I have been very careful in paying all my dues as per the payment schedule and all the confusion and inconvenience has been caused due to non- delivery of the expenditure statement to me in time.
Since that time, I have been following- up with your Customer Care executives regularly but the issue has not been resolved. The immediate fallout of non- resolution of such complaints in a speedy time bound manner means that the customer is harrassed whereas HSBC keeps on levying various types of Late- Payment and Finance charges.
Now, may I therefore request you to kindly reconcile the account at your end so that the discrepancy (INR. 613.84/-) is sorted out at the earliest and there is no debit amount against my name. Also, I would request you to ensure that no further charges are levied against my name on 03 Apr '09 on account of non- payment of these charges.
Please acknowledge.
From
The Desk of... Saurabh Singh
Mob No.- 9958726655
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