HSBC Credit Card
Wrong charges & subsequent harsh treatment

Dear Sir/Madam,

Please note that I was holding a HSBC Credit Card - 4476921203466259 & there was a disputed amount of Rs.673 for which I did not do the payment. Details of the same is attached in the letter sent to HSBC by me on 09/07/07. Please refer the attached letter.

I got a transfer from Chennai & stopped using the HSBC Credit Card & sent the same back to HSBC. After discussing with Ms. Tanya on Helpline I paid the balance amount of Rs 1186. And closed the matter.

Now recently I applied for a loan & my credit history with CIBIL show that I am having a disputed amount of Rs 9936 with HSBC. Since, I was in a hurry to avail the loan I contacted HSBC & paid a sum of Rs. 9936 to HSBC Credit Card. I had to use the countelfile of the payment for getting my loan approved.

Now when I am contacting HSBC then there response is unbelivably IRRESPONSIBLE. Even after series of emails they have not even cared to give a call back.

The Principal amount has been wrongly charged the whole balance amount is wrongly charged.

I request "Consumer complaints" to take this case strongly with HSBC. HSBC bank is literally playing with the institutions like CIBIL and after all, us consumers are the sufferers.

My argument here is that even if the total principal to be paid by me was Rs. 1794 (as claimed by the bank) which are also wrongly charged, why should I pay Rs. 9936. All this time HSBC never mad e single attempt to get in touch with me, either over phone or email or address.

Always in such disputes the bank takes the initiative to settle the matter. Never ever the consumer is made to pay the full outstanding. A 'settlement amlount' is finalised & that only has to be paid. But. here when I took the initiative to close the matter, the Bank's response is extremely Harsh, Irresponsible & does not show a response of a professional body.

I hereby request for a immediate settlement of the following 2 matters.

1. Refund of the amount of money Rs9936 - Rs673 = Rs. 9263, immediately.

2. A Clearance Letter immediately clearing my name from CIBIL.

This is a long pending issue and I request for immediate settlement.

Thanks with Regards

Shubhranshu Sharma

HSBC Credit Card - 4476921203466259

Company: HSBC Credit Card
Country: India

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