This complaint is regarding the charging of an amount of Rs 71, 000 on my expired HSBC credit card.
On 9th May, two executives sent from HSBC bank informed me that I have an outstanding amount of Rs 71, 000 against my credit card no 4384-5999-0974-0226 (expired on Oct) and forced me to pay the same within short time. I was not handed over any document related to this.
Let me clarify the points on the transactions and payments made against my credit card.
I got the credit card during the month of October. I made purchases and I used to receive the credit card statements which are delivered to my residential address. I used to make the payments against each statement always on time. I used the card till end of 2006. But suddenly they stopped sending statements to my address (Last statement was sent in December as far as I remember, with outstanding amount of Rs18, 000 or Rs 20, 000). Still I was paying some amount per month till mid of 2007. To ensure that I don’t have any balances against the card, I personally met bank executives in HSBC MG Road branch, Bangalore. They gave me a customer care number and I verified and confirmed the same and I was told that I would get the statement of no balance against my credit card soon in my address. But I did not receive any single letter from them.
Suddenly, after two years, I am charged an amount of Rs 71, 000.This incident has really shocked me as there is nothing due. And during these two years, I didn’t receive any credit card statement nor any communication either in person, mail or phone.
Feeling helpless, I went to HSBC office on 16th May, (Basvanagudi, Bangalore) and I met Sundar (manager of the bank). He told me to give Rs17, 000 (initially he was bargaining) against my credit card and he promised me to give the settlement letter of zero balance within two days. Accordingly I gave a cheque of Rs 17, 000 the same day. But now almost 1 month over and I have not got any settlement letter from them. If I call him, he says that you will get it soon, don't worry... Also I requested him to produce me the statement against my credit card, but he was not able to produce that. Now daily I call him 15-16 times for the settlement letter and he receives the phone once in a day (sometimes does not receive) saying that you will get it. This incident makes me feel like a mad man.
But I don't have any documents (statements) to produce for this case, as for long time I have not received any statements or documents from them. Even Sundar (manager) has promised me on 16th May, that he would send through email a receipt of the cheque that I gave. But till date I have not received.
I want to mention here that I was staying in my brother’s (Diganta kalita) house till September. And I used to get statement from bank in my brother’s house (till 2006). Though I have shifted to my new house, I check my brother’s letter box every month to collect the electricity bill (as brother is in abroad now). But I have never got any documents from HSBC bank for more than two years.
RELIEF: I need the excess amount back (in case, it is excess). Also I need the settlement letter of zero balance against my expired credit card.
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