HSBC
HSBC Credit Card - Not recived renewal card but still annual fees levied on the card

I was holding the HSBC credit card (4476 9212 0319 2681) and I made the entire payment of my outstanding in June. Typically, I do not use BTs or Min due payments (you can check this in records).

After that period (June) I had stopped using the HSBC card because of the following reason -

I was not receiving the bills on regular basis, everytime I have to callup the call center to ask about my Due date and Outstanding Balance. I had also logged the complaint twice but no improvement and finally I have stopped using the HSBC card.(you can refer the call log entry)

Since June I had not received any statement neither any call nor the renewal card.

Suddenly in April (after 3 years) and May I had received the statement from HSBC on my email id (mailtoswatiagarwal@yahoo.com) with some outstanding balance related to late fees and finance charges.

Suddenly, on 24th May, I had received the call from Collection Department (Nilesh) and on 5th June, I had received the call from Recovery Department (Santosh). I had explain the entire situation to the both the persons and demanding the answers to the following questions but they are failed to give me the answers.

1 - Why I had not recieved any statement since June if there was any outstanding? (As per my understanding, there was no outstanding as I made the entire payment in June)

2 - If there was any outstanding, why didn't I receive any reminder call or email till Apr?

3 - My email address and Phone number had not changed since if HSBC can reach me now then why not before? why HSBC had wait for three years?

4 - Why Recovery Department is giving me the threat that he is going to send my name in CBIL, without completing the research from their end?

5 - I don't have the statement of June I had asked regarding the statement from collection, recovery and call centre but all of them are saying that they can't provide me the statement. Why its not provided to user? How I can prove that I had made the entire payment in June without the statement.

6 - My card is issued in 2005 and expires in and I have not received any renewal card till today and even not get any call from HSBC regarding the same

Company: HSBC
Country: India

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