HSBC Credit Card
Harasment post closure

Dear Sirs,

I used to operate an HSBC credit card bearing number 4476921207801329 till the month of Nov 07.

In Nov of against a total outstanding of Rs 105000/-(one lakh and five thousand only) on my card I had called an HSBC officer to ask him close my card as I was in the process of a transfer from Kolkotta to chennai. For this I had asked if I close the entire amount, what will be the discount on this closure.

The HSBC officer asked me to make a total payment of Rs 90000/-(ninety thousand only) and this will ensure the account will be settled as closed. He also assure me a letter will be sent from HSBC against the cheque realisation as this was the process.

I thus made a payment through an ICICI cheque for Rs 90000/- in Nov 09 & was waiting for the settlement letter. To my surprise in about two weeks I recvd a call from some phone banking officer saying why I wanted to close the card. When I stated the reason & asked him about the settlement letter, he said the amount was 9- for final settlement & not Rs 90000/- & asked me to make a payment for Rs - as final settlement.

Fully believing, I made a cheque payment on ICICI for Rs - after which there was no phone call, no settlement letter or no any news. In between Dec 07 & July 08 there was no news from any body on this. Then again in July 08, I recvd a statement showing that my outstanding was Rs 19706/- & the bank asked me to make immidaite payment.

On calling the bank & against my naration of what I was told, the officer said there was no closure done on my account & this payment must be done. I told him that the card was destroyed by me & was not in use since November so why should I pay any more. This harasment kept happening over the months. In Dec when the phone came from HSBC, I told them I will be going to court to complain this issue for which so phone officer from Delhi called up saying the legal way will take a long time, please pay Rs 5000/- & we will immidiately give the closure to this account.

I guess this time again the bank fooled me and collected Rs 5000/- from me saying in a receipt as Final settlement.

But even to this day the bank is still calling me & harrasing me on this. It is about time I am going for a Complaint with the "consumer forum" as well as the police ainst the FRAUD HSBC BANK.

Company: HSBC Credit Card
Country: India

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