HSBC Credit Card
Deducted Insurance Premium without Information and constantly misguided by their Customer care executives

Dear Sir,

I had taken a credit card from HSBC bank. A ‘lifestyle fee’ (some insurance policy), which I had never applied for, turned up in my credit card statement. I contacted the customer care regarding the same where they assured me that it will be taken care in the next statement and there would be no such dues against my card.

Even after this, the subsequent statements kept showing the due. On repeated requests to HSBC customer care, each time, I was assured that the problem will be sorted out in the next bill. However, the problem was not sorted out even after months.

After getting fed up of the disappointing inaction of the HSBC bank in this matter, I requested customer care to close my card. As usual, they once again assured me that the problem will be solved and I need not close my card. And, as usual, no action was taken.

Finally, I called up the HSBC customer care once again and insisted that my card be closed. It was informed to me that unless the issue gets resolved my application for closing of card will not be accepted. After insisting on a final date for solving this issue, the personnel asked me to contact after 3 working days. When I called after 3 working days, they told me that my complaint as well as my card closing request has been forwarded. I was once again asked to call after 3 working days to check the status of my application. After 3 working days, I checked the status of my application from your customer care and they informed me that the card has been closed and there are no dues against me.

Despite this, I am receiving messages for "outstanding payment against my card” even till date. On contacting their customer care, I am being directed to the ‘unreachable numbers’ of HSBC Debt Management Department. Even my mails addressing the issue were not answered properly.

When i had mentioned in my recent mail regarding "RBI Ombudsman " then they have registered the complaint. But now they are claiming that the policy was started on my approval.

These allegations are false. I have never opted for any insurance policy.

If I had ever applied for the insurance, I would not have been wasting my time, money and energy communicating so many times on phones, emails etc.

Secondly, if the policy would have be a part of the credit card package then there should have been any mention of the poIicy in or with the welcome letter and the other documents enclosed. In fact i had never received policy documents. Are these insurance schemes meant to extract money from the customers by cheating them.

On receiving my first bill, I reported the problem to HSBC telephonically but I was constantly misguided by their customer care executive that the problem will be solved in the next bill. Then Why was I given this assurance, if I, myself, had filled the form and applied for the insurance policy (as stated by the Bank personnel)? Even in one of my last telephonic conversations with HSBC regarding this matter, I was told that the card has no dues and it has been closed!

I have never used their card even once for the same reason.

I am requesting you to please look into the matter and provide me the appropriate solution.

With Regards,

Priyanka Kaushik

kaushik.priyanka@gmail.com

Company: HSBC Credit Card
Country: India

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