HSBC
Offered free card, and started charging anual fee from the next year onwards

HSBC offered free credit card, at the end of first year (couple of years ago), they have charged annual fee, after calling and reporting the same, they have reverted back that fee and told that they will not do this again.

Again after a year, they charged (a year back) annual fee, since I was not using this card due to first year annual fee charges, I was looking at the statement, and directly dumping into the dust bin. Second time also they charged the annual fee and when I saw it after 3 months they had added the interest and late fee and etc.. and increased that amount and it got doubled. When I called up the customer care via phone, this don't know what happened they have reverted back only the annual and was expecting me to pay the interest and late fee that they have charged. When I said I have n't used why should I pay??? they didn't listen and kept on adding that and after a year now they have made that amount more then Rs. 10, 000/- and their recovery agents started calling now. When I called up customer care (phone line) they have told that the card is closed and they can't help it. And they referred to talk to Collection department, looks like this collection department is different then that of recovery agency, and then I called up collection department, looks like they also don't have the details. All they can say again call customer care. They don't have any email address using which one can communicate and get these issues sorted.

Since HSBC itself don't have a clear picture, when I called up customer care, or collection department or when the recovery agent called, they all had one info which says that they are adding every month late fee and interest charges to the previous balance.

Company: HSBC
Country: India

  <     >