HSBC Credit Cards
Harrassment for non of my mistake

Ref: HSBC Credit Card Reference 130720093956 (KMM4339402I123L0KM)‏

Bangalore, 10th July

Mrs. Sathya Srinivasan,

Nodal Officer,

The Hongkong and Shanghai Banking Corporation Limited,

No. 96, Dr. Radhakrishnan Salai,

Mylapore,

Chennai - 600 004.

Re: Case 4803307 - HSBC credit card No. 4384 5999 9434 4611 – Name: Manish Arora

Sub: Incorrect charge on above mentioned card and inability of customer care department to handle this issue appropriately

Respected Madam,

I applied for Balance Transfer facility in July. But due to amount approved was (Rs.12K) less then what I had applied for (Rs.16, 500), I called up HSBC customer care to request them to cancel this request and the draft. They informed me to do not accept the courier, which had already been sent out.

Issue Summary:

In July, I didn’t receive the draft and I informed HSBC customer care about the same. Later on, even after submitting request for cancellation and no accounting/usage of draft, I kept getting charged on statement.

History:

I called up HSBC customer care and on many occasions received calls from them (almost every month in 2008 until November), every time I explained them above mentioned complaint and asked them to investigate it and cancel the charge.

In November month, I received a call from HSBC recovery department from Delhi and we negotiated to settle this charge for a service, which I never availed. And I had to pay Rs.1, 000/- to get rid of this issue and harassment. I was assured by the collector that he will have the NOC letter sent to me. Thereafter, I stopped getting monthly statements or further calls from bank.

Harassment continues after six months:

A couple of weeks back I get a call after six months from HSBC recovery department in Bangalore. And it was very surprising to know that instead of settling this charge they are calling me again and I had to go through the same harassment again and explain him the whole history of this issue.

Yesterday, again I received a call telling that he is from HSBC legal department, threatening me to appear into Chennai court on 15th July or pay principal amount as out of court settlement. In case of failure they will issue a warrant against me.

I request for a proper investigation:

In stead of working towards the closure of this issue appropriately, when asked, customer care has kept harassing me and asking me for money. Because there should be an account payee draft in my name and I have not even encashed it.

I request you to please investigate the issue and clear the charges on above said account.

My relationship with other banks:

I had used many facilities of other banks such as Citibank, HDFC, SBI and Manhattan and I always have been a loyal customer of them. And mainly with Citibank, I had many loans, two credit cards, savings account and a personal loan account is still active. I always made payments to them on time because I know that I am using their service. And I never got any such debt chasing calls from them.

Enclosures:

I attach a copy of a) last HSBC card statement received, b) copy of receipt for payment of rs1000/-, c) request form for balance transfer facility and, d) email communications with HSBC customer care agents.

Awaiting a reply from you:

I would be more than happy to help HSBC bank in their investigation to provide with any further information from my side.

If HSBC customer care does not stop follow up calls or any further harassment, I shall be forced to file a case in Consumer Court against HSBC for this mental harassment I am going through.

I would really appreciate if you could please look into the matter immediately and ask other relevant departments to stop calling me and harassing me every time.

Thanking You,

Yours truly,

Manish Arora

Company: HSBC Credit Cards
Country: India

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