HSBC Credit Card / annual fee reversal
Reny k philip
No.2, voc street,
Adambakkam – chennai – 600 088
October 22, 2012
Credit card grievance redressal cell
#96, dr. radhakrishnan salai
Chennai – 600 004
I have been issued a credit card bearing no. [protected] in august 2009 as a life time free card.
I have taken a loan against that card in 2010. to my surprise I found in the statement for the month of september 2010 that the bank has debited annual fees of rs.1050/- + st to my account.
When contacted, the customer care executive informed me that I have to close the loan and cancel the card. otherwise they should inform me that the annual fee will be debited if I take loan. if I have enough money then why should I take loan from the bank?
without my consent and not informing me the bank is debiting rs.1050/- + service tax every year in my statement. (rs.750/- for primary card and rs.300/- for add on card) is not fair from the bank’s part.
And in september 2012 also the bank has debited rs.1050/- + service tax to my account. I have received a message from the bank that my renewed card has been sent to my address. but the courier company did not deliver the card to my address so far and I am not in receipt of the card also. more over I am not interested to have the renewed card if it is not for free.
Hence I request you to kindly reverse the charges debited to my account i.e. rs. 3150/- + st (rs.1050/- * 3 yrs) and the interest charges on that amount. and also I request you to kindly cancel the renewed card which I have not received yet, if it is not a free card.
The balance amount I owe the bank is rs.9738/63 as on today which include rs.3150/- + st and interest. I have been paying the dues regularly which you can verify from my account.
Hence I request you to kindly reverse the fees debited to my account and cancel the renewed card and oblige.
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