I took a HSBC Credit card last year from a HSBC Agent. It was a gold card with a limit of ~55000 Rs. On 21st August when i was working in my office, somebody stole my credit card from my purse and misused it. He/She used the entire credit limit with in 2 hrs.. and i got a call from HSBC head office and they asked me if I made all these purchases. I said "No, I am in office since morning". HSBC Executive told me that i should immediately go and file a DDR/FIR and i will not be liable for this amount as it's a cheating case. I left my office and went to the nearest police station and reported the incident. They filed a DDR and told me to collect it the next day.
I called up HSBC people again and asked for the Merchant's names from where this person has made the purchases in the hope that i may get some clues about criminal's identity. Accordingly, I went to "Sidhu service station" where this person has got petrol filled in his vehicleand asked for any receipt. They showed me a receipt where in they noted down this person's vehicle number. Also, the signature on the credit card receipt was not matching my signatures.
After few days, as guided by HSBC executive, I went to HSBC bank Chd branch and filled their complaint form with a copy of DDR and a letter to Head with the incident details. Till this time, i was hearing the same thing from the executives that it's a cheating case and company will do the investigation and i will not have to pay the amount.
After few days, I started getting threatning calls from HSBC bank and also from their recovery department. They used abusive language with me and told me to go to the bank and pay all the amount to them. I told them that it's a cheating case and i have sent a complaint letter for the same to bank already. I called HSBC bank many times to inquire about the status of my complaint but never got a substantial response from their side..
Now after 3 months, they are calling my father everyday and threating him that they have sent 2 summons (which we never received) and now they will come to my home and arrest me or else i pay all the money to them which i never spent. Being a girl, I am very scared and even my family is.
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