HSBC credit card was offered to me as "Lifetime Free Credit card" which meant there was no annual or renewal charges for this card. You can refer to all your transcation record history and confirm that I have never paid any yearly or renewal charges on the same. I have used your credit card for a long time and I have a very clean payment record. I have never delayed or defaulted on any payment due on this credit card.
I was shocked when the bank charged annual fees for this credit card since all other banks in the market were offering this free credit card facility. I immediately called the bank's credit card department and expressed my concern. I was informed that this fees was wrongly charged to me and assured that these would be reversed in due course. However the bank failed to fulfil its commitment inspite of repeated correspondence and assurances to this effect. Finally I requested the bank to discontinue the credit card after having settled all my bills on the same.
Can you please check your records and confirm if the outstanding amount on my credit card is on account of any bills due and not paid by me.
If not, I am not liable to any annual charges and interest levied by the bank due to the reasons mentioned above. Hence I request you to reverse all these charges immediately and confirm your action. I have a clean credit record history and the civil right to maintain it. I would like this matter to be raised to the highest level in the bank if cannot be resolved by you at your level. I would like the concerned authority to take up the matter on priority basis and revert back positively to me. In the event the issue remains unresolved I shall be forced to take stern action against the bank and if required seek compensation for the mental harassment and my reputational damage.
PLEASE CONFIRM YOUR ACTION AND IF THIS MATTER NEEDS TO BE ESCALATED TO THE HIGHER AUTHORITY, PLEASE DO SO SINCE THE MATTER NEEDS TO BE RESOLVED ASAP.
Awaiting your response???
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