Please find the following mail I sent to the HSBC after facing so many hassles. I cancelled my HSBC Credit Card and also closed my savings account. There was no transaction happened using HSBC Credit Card. Still I keep getting SMS and calls from HSBC to make a payment to tham, but they don’t have any explanation for what I have to make payment
This is regarding the Credit Card issue I am facing from the day I applied for it. I am an employee of *** since *** and I am holding my salary account in HSBC.
One of your executives met me in my office regarding HSBC Credit card and I applied for the same. During that period I received a call from your bank asking me for a balance transfer (of amount 25, 000/-) from another Credit card to HSBC Credit card and I was assured no extra charges for this and I will get 3 months time to repay the amount.
I accepted the request and after that I didn't here anything form HSBC for more than 2 months and all of a sudden I got a courier from HSBE and found a cheque (Number: *****) of 25, 000/-, but by that time I had already paid the due amount for the other Credit card (ICICI).
From HSBC customer care I came to know if I use the cheque I will have to pay around 650/- extra as a processing fee which was never communicated to me earlier. Since the cheque was delayed by 3 months I had no use no use of the cheque as I had already paid the due amount of my other Credit card. So I wanted to cancel the cheque. Your Customer Care gave me the impression that I cannot do that. On being asked what if I would have used the HSBC Credit card for an amount of 25000/- and won't have paid the amount for more than 2 months what would have the bank done. I got the answer that they would put a fine for not paying the amount.
Then I asked why they have taken more than 2 months time to send me the cheque. If I wouldn’t have paid the amount to ICICI, who was going to pay for the fine? Why there was no communication in between to assure me that I am going to get the cheque and why they hid the information that a processing fee would be charged.
After listening to all these the executive told me that if I have to cancel the cheque, I will have to go to the branch office. The branch office is very far from my office as well as from my home. It's not possible for me to take a half day leave just to cancel the cheque.
I asked for the option whether I can hand over the cheque to the HSBC executives who come every week at our office. That option was also not accepted. I asked to wave off the processing fee so that I can use the cheque for my future Credit card use. But that option also was not granted. I was very frustrated and said that I am not going to use the cheque. The executive replied back that I still have to pay a fine amount and the executives comment that if I didn't want to use the cheque why did I accept the courier was really disgusting and I decided not to discuss the matter with the customer care further.
I spoke with one of your executive who comes at our office on a regular basis to help the customers. He complicated my problems further saying that I must have applied for it otherwise HSBC does not accept telephonic request (remember, I didn't call HSBC, rather HSBC called me up) for such kind of balance transfer. I was unable to convince him that I didn't submit any form for such kind of request. Moreover, you confirmed me later that telephonic request is possible for such kind of offer (and all Credit card executives keep calling their customers for such offers).
Even if I would have submitted the request, why did I receive the cheque after more than 2 months? What's the use of the cheque now? I want to cancel the cheque, but again no help was offered regarding this matter.
Today I got another call from HSBC that I have to pay some minimum amount as I have received the cheque. I don't understand why I have to pay a minimum amount though I haven't used the cheque.
I have discussed the matter with our finance department and couple of times I have discussed the matter with you. As per your request I have stated all the difficulties I have faced with HSBC.
I would request you to look into this issue and take necessary steps to cancel the cheque. I would also request you to cancel my credit card. I don't want any further hassles using HSBC credit card.
“One of the most HSBC tortured user”