HSBC Holdings
Reviews and Complaints

Hello,

Your sales executive from HSBC named Mr Hanish Hareendra approached us to apply for HSBC Credit Card. Based on the details provided by him, me & two of my colleagues applied for this HSBC Credit Card on 8th August 2008, necessary verifications were made from HSBC bank side & surprisingly we haven't heard anything from HSBC Bank. From the acknowledge receipt we understand that the Credit Card would be received within 3 weeks of time from the date of application.

1.Could you confirm as why it takes so much time for you to revert
2.Why no updates from HSBC for such a long time.
3.In case if the application has been rejected, i urge HSBC to handover all the documents submitted by me.

Let me know if you require the acknowledgement receipt number.

Dear Sir

I am your credit card holder for last six months, iam getting bill statements regularly for the card no [protected]
because of this i unable to know the due amount so please send the same regularly for the smooth relation ship.

Thanks and regards
Anil vellath

hi,

i received HSBC credit card but, i am unble to get PIN number, pls find and tell me the procedure of this information of PIN number.

yugandhar

Dear Sir

I had applied for HSBC Bank Credit Card about a month back. Verification call was made to me twice regarding this. However, Credit card has not been delivered to me till now. Details of application form are as below.
Verification Agent Name - Priyanka

Sales Executives name:Vinod

Regards

Vadivel

[protected].

Till now unable to contact HSBC Cc ---

Hence have decided to change my bank.

dear sir,
my name is b.appa rao. i am having ur credit card.my credit card no is [protected]. every month i am receiving my credit card stament.but this month i was not received my statement still now. so please send the e-statement to my mail-id immideately.
thanking u sir
yours faithfully,
b.appa rao
cell no:[protected]

ya its correct when you working your self respect always comes first and its always nice when your comapany support you.

I have a credit card account with HSBC hyderbad India since 2000.

Last month I end of deposting little extra amount in the balance.

I requested the back to transfer the additional paid towards credit card my savings account in the hsbc bank.

They said they will do it in next billing cycle.

So now my credit card balance is in crdit meaning, I have not use the card but I have deposited certain amount in the credit card account.

Now this month when the send me the statement, I see that they charged finance charges and interest on my credit balace.

Instead of giving me my money back, they has started charges finance charges, service etc on my money.

I tried to explain the customer with any luck.

This is worst bank in the world. worst custmer service. Big time cheaters...

I am your Credit Card holder which bearing number is [protected] issued date 09/05 and expiry date is 09/07, the above card has been expired on September, 2007 but i did not received a renewed card and also we are not getting the statement of a/c whenever i sent many letter but i did not get reasonable reply and they replied through email that i should contact your call centre but your voice mail is not giving suitable reply, so i could not be able to understand regarding this your largest bank is doing like this, that your customer can not speak my problems. Like this I have also another card which number is [protected] issued date 09/04 and expiry date is 09/06, It's also same condition. Kindly do the needful and help me. I have sent many email for changing of present address but your department is sleeping and did not take action till date. I deposit due amount every month as per your SMS. I have shifted from A-242, DDA Flats, Kalkaji, New Delhi-19 at present i am staying at H.No. 1868-A/12, 1st. Floor, Govind Puri Extn. Kalkaji, new Delhi-110019 I expect you that you will take action as soon as possible. It is most urgent. Once more i request you to take action. It is most urgent. C.L. Srivastava [protected] and Telephone #011-[protected] for verification My date of birth is 01-12-1960. Please click on the link below to go to the page. If you think someone you know would like to read it too, do mail it to them.

Check This Out!

Hi
This is Pratap Seepana i want to say
HSBC CREDIT CARD DEVISION MAKING PEOPLE FOOLS.. HYDERABAD-AP INDIA.. THERE IS NO CELL FOR CREDIT CARD DEVISION OF HSBC-HYDERABAD BRANCH AP-INDIA.

Here I got A problem from HSBC Credit Card,for that I made online Complaint On nov lastweek @2007,
Still the issue not at resolved and thay r not in a position to say the problem clearly
It is completely worest for HSBC,The customer care support is 200% failed and worest service i have never seen before

Sorry to say Don't apply HSBC Cards

Long time back HSBC peoples called me regarding life time gold credit card. I refused that. But continuously they called me up. They should complete 15 customers per month. So they sent out credit card with out any confirmation. I didn't open the cover also.

Recently I have received one SMS regarding 4670 Rupees outstanding. They didn't send any communication letter and call. I called the customer care people they told HSBC won't give life time free credit card. They will charge manual fees and what ever charges applicable.

I am very disappointed with their service. It is very worst!

HSBC is full fraud. Please dont go for it. Equally bad next category is ICICI.

There is no credit card which is free. All credit card work based on annual fees/service tax only. Read terms and conditions carefully. Its a RBI rule to have annual fee on a card. Bank gracefully reverses annual fee/service tax to encourage/indirectly cheat us to use credit card. Even RBI doesn't ask the bank to do this. So, be careful when someone says free card. Free card is never a free card until you use it.

If you ask the bank people clearly, they would say "based on conditional card usage annual fee will be reversed".

Always use credit card from bank from which you have debit account. you will have more control on them atleast.

When ever i got the HSBC Credit Card it is a LifeTime Free card they told , But now I'm being billed annual fees, service taxes, etc. I am trying to cancel the card, no one is properly response from the customer care. How can I get card cancelled and all fees condoned?

HSBC CREDIT CARD DEVISION MAKING PEOPLE FOOLS.. HYDERABAD-AP INDIA.. THERE IS NO CELL FOR CREDIT CARD DEVISION OF HSBC-HYDERABAD BRANCH AP-INDIA.

regarding card cancellation issue. regarding balance transfer issue.

i have a issue with hsbc mentioned below after making complaint this conversation happend with the hsbc bank customer care dept.

1>i asked cc what is the status of my tata-aig complaint return complaint status-(6sep), he told that it has canceled fine,so i told that there is no intimation regarding that cancellation, after that i asked about the balance transfer which i asked to transfer 6000 Rs to citi bank on 18-20 of sep.

2>He told that it didn't happened because i called the customer care dept on 2nd regarding tata-aig issue and asked them to cancel the credit card if u r not resolving this issue.after that there is no intimation to me regarding the cancellation of card.

3>if that is the case i got the credit card bill on around 11-15 of this sep. why don't u people mentioned in that letter itself that i requested for cancellation and why u people informed that this card is under cancellation procedure.

4>leave it if that is the case when i contacted the customer care dept and when i logged a complaint on tata-aig insurance(sep-18-20) issue why u didn't inform me and also when i asked for balance transfer how he agreed for balance transfer and i got a call from chennai for balance transfer they taken both citi and hsbc card numbers. Even when u called me ,that time also u didn't ask about the cancellation issue .he told that the cancellation procedure wll take 7 days procedure if that is the case after 2nd sep (sun) and the bill generation is on 11-sep(tue) means totally 7 days are there to mention in the bill itself which u send to me ,but u didn't mentioned in the bill itself. so mistake is from ur side only check the voice interaction of my account once ... after some time i was asking these questions he disconnected the call. ny how i got to know,

5>this means they r making me fool i understood every thing ..

My name is Linda Vu I am a student at University of Greenwich. I was recommended by a friend to invest my student loan into a mini cash individual saving account (ISA) in HSBC.
On 29th March 2008, I opened the mini cash ISA and invested £3, 000 in cash. After I received a letter which confirmed that the account was successfully opened and that the total amount invested came to £3000.

About six months after, I decided to a visit a different branch of HSBC to check my balance as I have never received any statements since the account was opened. On the screen, it indicated that I only had around £1000 in the account, which I had deposited into my account a few times in the time I opened the account till 6 months later. It showed that the £3000 I had invested had not been deposited or withdrawn.

With this on my mind I went to the branch I opened my account with in Dartford and ask to speak to the manager but was told he was too “busy” to see me. The person who spoke to me replied that the money that I invested when opening my account was not there. She then said that the manager would get back to me regarding the issue.
I returned a few days later as I had not been contacted about the issue and therefore asked to speak to the manager only to be told he is too busy to speak to his customers. I was then told to talk to another member of staff who said that they will be investigating by checking all the account, speaking to the person responsible for opening the account “Tom Kazza”, and by checking their CCTV security system.
I was then told that the manager will definitely contact me within the next two days.

I was not surprise at all when the manager failed to contact me which made me have to go to the branch for the third. Again I was told the manager was yet again busy so I had to speak to the sales manager who said that the £3, 000 transaction was not made on any accounts in that branch on Saturday 24th of March 2008, their CCTV camera did not go back 6 months and that they do not accept cash on a Saturday. The sales manager also indicated that the person responsible, Tom Kazza, was new at his job. Questions were going through my mind such as “why was he allowed to open mine or any other customer accounts and take our money?” and “Who else has he done this to or is going to pull this stunt again?”
She also said the letter of confirmation I had shown is not regarded as proof and wanted my account statements to prove I had that amount in my account.

After being told this, I took a trip to the police station to inform them that Tom Kazza or HSBC has stolen my money, I showed my evidence that I had £3, 000 in my other account and the letter confirming £3, 000 has now been credit to your account.
I was told by the police that HSBC do have the CCTV that goes back to the time my account had been open. In order to open mini cash ISA, I would have needed to deposit money onto it, so therefore how could I possibly open my account on the 24th of March and have a letter confirming I had opened it and the amount I put in prove not to be enough evidence. I was told that in her opinion it was enough proof. I was then advised to go back to the branch to get a letter, which should say that no transaction of that amount was made, and bring it back to the station so that they could investigate the matter.

The HSBC branch in Dartford has been very unhelpful leading to a very distressed and an unhappy customer. Each time I went there, I was told the branch manager was too busy to see and that he will contact me and unfortunately happened three times

When the new manager Hayley Lowe finally investigated the matter she sent me a letter confirming there is no evidence £3000 was credited into my account, of course I was extremely angry so I called up the head office where they said further investigation will be required. I then went into the branch to talk to Hayley to understand what investigation she had done, the only thing she done was talked to Tom Kazze who said “he remembers me and that I did not credit no money in” and that no account within the branch received the £3000, however to open a ISA account you need at least £1 in order for your account to be opened, of course the manager said you don’t need to put no money in, this is when I asked for a leaflet which she went and got, read it, and annoyed “yes you was right you do need to put £1 in but you don’t really” what kind of response is that? I then demanded for another investigation as Tom Kazze or another member of staff has taken my money.
I gave her my Halifax statement to prove I had £3000 in my account during the time I opened my ISA account. During the three weeks after the interview, the senior manager Rebecca Kemp called me up saying they are investigating the matter and can look at their CCTV the date I opened my account.

The 11th of November I receive a letter from Rebecca that “the declaration letter handed to you at the time of opening your account had incorrectly stated the subscription amount and, have fully investigated the matter, I can confirm that we did not receive any funds from yourself on the day opening the account” I imminently called her up to see what they did to investigate that Tom Kazze has taken my money, she replied she has evidence that I did not cash in no money via investigating Tom Kazza again in front of he’s manager and looked at the accounts, this is the same investigation they did before, I keep on repeating you said you was going to check your CCTV, Rebecca replied “we feel we have enough evidence from Tom admitting he’s done a faulty on typing in £3000 and checking all of the account” this is not a fully investigation that he’s taken my money and I have not been treated fairly as a customer as I replied many time did you check your CCTV as that’s the evidence I did give Tom Kazza £3000 in cash, Rebecca kept on saying “for the final time we have done our fully investigation!” this is not including the CCTV. I kept on asking “but have you checked your CCTV” and she said “for the final time we have fully investigated the matter” then rudely hung up the phone on me! She would not answer my question as she has not investigated the issue fully. I am a very unhappy customer who has been distressed and emotional for the last 2 months as they have not been treating me as a individual, refuse to give back my money that I invested in and I feel as I am being discriminate due to my age of being 20. Tom Kazza has taken my money please help!

Please contact me on [protected] or email me on LV_@hotmail.co.uk for more information. I will be happy enough to do interviews.

Thank you

Dear sir,
I am using HSBC CRE.CARD NO.[protected].(R.M.SHAH ADVOCATE.)
As per your sms and your letter Dt.24thdec2009 and statement of account I came to know that, you have annually charges me for my above credit card bearing above said No. I was in state of shock and surprised as I am not using the said card.Your officially head head already informee me that this is a life time free card without any kind of annual charges.So how can you are charging me annualy for free card.if you are going to charge me than kindly cancell the card and with zero balance send me the statement.
I have done so many time request to your bank please cancel the unavoided charges but still date they have not cancell my claim ammount.
further please note that if you don"t delete the annual charges and extra charges than i will be constained to take a strict legal action against you and your BANK. for which you will be liable for all the cost and expenseses.
MY MAIL ID IS: rajendra_advocate1@rediffmail.com.in
thanks
R.M.SHAH
ADVOCATE

HSBC is by far the worst credit card company out there. My wife and I recvd a card 2 years ago with a 400.00 limit used it for Christmas that year and have never used the card since I have been making minimum payments for two years and the balance is still the same. They recently raised our interest rate which raised the payment and now they wont quit calling us. Their collection dept constantly hounds us but I refuse to pay any more. I will pay these cards off at the end of the year and cut them up!

HSBC are scam artists!

I was amazed to hear my story over and over. I am so mad at this company, HSBC put me over the limit by charging me an outragiouse fee and it hasn't stopped from there. My account is getting out of reach because they fee me to death month after month, I have never been late, great customer but they bully me & do not work with customer s at all, their tone, demeaner and lack of respect it disgusting. They have their had out for tax dollar---"A Bailout" I can't work enought ours to pay for these selfish, unaccountable, greedy bailouts as theydestroy me finacially. I could scream I'm so mad

I have alwalys paid my bill every month 2 months ago my wife lost her job and we called all of ower bills they all have been working with us we could file bankrupthy but to us that is not the answer but ower first call to HSBC creditcard(mastercard that is what they told us to do, we want to pay the bill only with smaller payment just until my wife goes back to work, we tried the 2nd time they said they could not help us maybe we need to write the better busniess, because that was not right for them to tell us to file bankrupthy when we are trying to pay we are not dead beets John Piper

HSBC has been a great cc for me, but I do agree that their paper statements arrive very very slowly. If you contact HSBC, ask to speak to a representative in the billing dispute department. They are more knowledgeable and understanding than the first initial customer service rep whom you speak with in the beginning. I finally recommend that you sign up for internet banking thru HSBC card services because from there you can see your account, and the history of transactions rather than waiting for several days before seeing your statement. Besides, it's FREE to do online!

~Good Luck

Just now I got mail from HSBC. I applied - and received a card 14 months ago. I used it a few times - always paying off each month, to keep it clear for a big purchase, or emergency. Well, it's Christmas time and what did HSBC send me? Without any warning - what so ever, they canceled my card for inactivity over the last 3 months! Just like that - NO warning at all. But after visiting this page and reading these posts, good riddance!

Company's Website Quote... WHAT A LOAD OF BULL!

Unparalleled Service
As a part of the HSBC family, Card members are guaranteed worldwide recognition and acceptance, convenience and buying power. Our credit cards are designed to help manage everyday life. From the unexpected expenses, to those special opportunities that come up when least expected. HSBC works hard to develop accessible, dependable, innovative financial service products - and customer relationships that last. (Quoted HSBC Website www.hsbcchargecard.com)

This Company, HSBC, has no Concept of what a Valued Customer is all about! After 2 Years of an Excellent Credit History with this Company (All Payments paid on time), and a Credit Score of 730 they still rely on some obscure computer program to upgrade a credit limit of $600 to a reasonable credit line that is Beneficial for my Needs.

When requesting new credit cards, be prepared to have your request ignored for weeks at a time, and upon your follow up, to find out where your Card is at, be prepared to have it explained to you that "It is not their Fault" and "The Mail System seems to have lost your request". Also be prepared to receive your Credit Card, "weeks later", and have the Personal PIN # changed to some Unknown Entity that is not what it Should be, Per Your Request. When you do go to retrieve or change said PIN, be prepared to have to rely on “Snail Mail” as opposed to a Modern Day, 21st Century Internet Interaction PIN Submission Capability, leaving you to submit documentation, over the course of the next several weeks, to try to rectify HSBC's Account Representatives Mistakes when they were taking your information over the phone!

Upon requesting Personal Intervention form an Executive Officer, or a Supervising Manager be prepared to be bounced from an EXTREAMLY Frustrating Automated Phone System to Operator, to being Hung Up ON, to Operator, , to another Operator “Posing” to be a Supervisor, only to be transferred once again to an Actual Supervisor who has No Actual Management Problem Solving Capabilities, and is unable to make Educated Decisions Concerning the needs of their Customers, balanced with their Inability to Provide Reasonable Customer Service! Your only opportunity to find an individual with Administrative "Rights" to access, and override "Their Master" (Their Decision Making Computer), and Someone that Remotely Cares about your particular situation, is to write a letter that will be "Dumped into some Obscure P.O. Box Mail Stop in Salinas CA"!

I will be canceling this card Very Soon but I wanted to inform the General Public that it is My Opinion that ANY interaction with HSBC is not an experience that is Beneficial nor Fair to YOU, the Consumer, and is only beneficial to their Business Plan. They will take your Money and leave you "Standing At The Dance, and Out In The Rain”!

I bought a motorclcye and my payment was 150.00 which I could afford. I miss a month due to some issues and they rised my pament to 385.00 a month a reported me on my credit. I tried to change my payment date and they say they cant change that for me.So now I'm also paying 30.00 more a month because I cant pay when they want be very, very careful of these people they will not work with you.They will also call you at work. I spoke with them today about the account and let them know that is why our a country is so bad off .

sir,

i want to you to cancelled of my extension card named to ricardo noya which i forgot his card number since he did not use the card even once.
why do i have to pay for the membership charges to his card? he did not even activate his card. please do reply as soon as possible. i dont want to pay the charges of my extension card. thnx.

I have been receiveing calls from a group that says they are calling on behalf of your Company; HSBC. They say that they can lower my interest rate on all my C/Cards that are not max'ed out. But they never tell me how they got my work phone number or if they have other information of mine.
Is this a true Company that is calling on your behalf?

plz sir
this is plan Tata AIG MahaRaksha. closed not give me plan
my Address Hira h parmar 122 sai nath housing soc near manjalpur township 2
bhatkuwa manjalpur baroda 390011 but this is my a/c close im going to usa

I was a SCB credit card holder, i had outstanding amount on the credit card and the same was settled with SCB and received the confirmation mail from customer care . I have a receipt issued to me by SCB for the same. I find that my name appears in Satyam online defaulters list and am not able to apply for any credit facility from any banks.
Recently i applied for HDFC car loan, Personal Loan and the application was rejected, i was not given a reason for the same but on persistent inquiry i was told that my name appears in Satyam Online Defaulters list. Even after doing a settlement with HSBC my name has still not been removed from the list.

Beware!

my outstanding payment is 6819 after interst and late payments its goes to 7819 i spoke with bank officer he is ready for settlement waveoff interstrate and asked me to pay actual amt that is 6819 but he warned me that my name will be appear on cibil list for just not paying 1004. i wanted to know is it true for just rs.1004 my name will be on cibil list

hi to all worker of sattyam iam frm my gf was working in sattyam her name is farise if any one have her number plz send as a sms on [protected]

I WANT NOW MY NAME IS DIFALTER LIST OR NOT

my quest is that how could i chk whether my name appears in defaulter list or not?

i have a hdfc hsbc citi bank doucthe icici abn and sbi card holder but in the mean time i m lost my job and i m presently working in private co.salary was 8000/.but above card is outstandig in last 5month .i want time to pay outstanding the amount but many banks harras me and they told me i dont given time .kindly help me once again i requet plz give me time also these bank are threding me and my family so what i do.

my credit card @ account ballence statement e mail kar do

Hi I Used to have a HSBC credit card. Because of some personal reasons i dint make the payment for 6 months. I got a call from HSBC asking me to pay 13000 instead of 26000 and make the settlement which i did. Afterwards i got to know that my name is in the defaulters list, so i called up the same executive and verified. She said if i make the total payment my name will be removed form the defaulters list with in 15 days. I made the payment but It's been more than two months and i still dint get any information regarding the removal of my name from the list. I have been in constant touch with the executive everytime she is saying it will be done in a day or two and she even forwarded all the mails related to my issue. For collecting the payment they call u up everyday and bugg you but y dont they act in the same pace in this kind of situations. I just want to how many days it would normally take to remove the name from the list after making the payment. Can i take any legal action on the bank for what has happened to me please suggest me soon.

Name appearing in Satyam Online Defaulters List

Few days back I had applied for the personal Loan in HDFC Bank,
from there I came to know that my name appears in Satyam Online Defaulters List, As per bank in 2003 I had a satilment with some credit card for RS.3.5 Lack and the payment was made. I totally disagree with this information. in 2003 to 2005 May I wasv working with a company Digitally Equipage India Pvt Ltd and at that time My salary was around Rs. 3000/- only as that can be seen the detail of credits in my bank ICICI Acc. Nom [protected], at that time I was not having any credit cards. from the year June 2006 I am having ICICI bank Credit card only. from 2006 june I am having a good record with ICICI bank,
I dont know from where my fake information comes in defaulter list,
Please gauide me what should I do regarding this

sir,

i applied a credit card in your bank i got all verification from your bank side, but still i didnt receive any status from your bank...

just i want to know the status of my credit card...

you please ask any one of your people to call me for the following no [protected]

thank you sir

Miss Rebecca Gross
Abidjan Cote D Ivoire
West Africa

Dearest,
Please i am sorry for the inconvinences and embarrassment this may look like but i wrote it with the heart of tears and sorrows as an orphan,seeking your understanding and help in the name of GOD I am Rebecca Gross the only daughter of late Mr and Mrs Williams Gross.My father was a very wealthy cocoa merchant in Abidjan , the economic capital of Ivory coast, my father was poisoned to death by his business associates on one of their outings on a business trip . My mother died when I was a baby and since then my father took me so special. Before the death of my father on 20th may 2006 in a private hospital here in Abidjan he secretly called me on his bed side and told me that he has the sum of .USD $10.5m left in fixed / suspense account in one of the prime bank here in Abidjan ,that he used my name as his only daughter for the next of Kin in depositing of the fund. He also explained to me that it was because of this wealth that he was poisoned by his business associates. That I should seek for a foreign partner in a country of my choice where i will transfer this money and use it for investment purpose such as real estate management or hotel management .Dear, I am honourably seeking your assistance in the following ways:
(1) To provide a good bank account into which this money would be transferred into .
(2) To serve as a guardian of this fund since I am only 19years.
(3) To make arrangement for me to come over to your country to further my education and to secure a resident permit in your country. Moreover,dear, i am willing to offer you 15% of the total sum as compensation for your effort/ input after the successful transfer of this fund into your nominated account overseas. Furthermore, you indicate your options towards assisting me as I believe that this transaction would be concluded within seven (7) days you signify interest to assist me.
Anticipating to hear from you soon.
remain bless,
Yours Faithfully,
Rebecca Gross

i need to work in bank HSBC in dubai telephinist operator

Miss Rebecca Gross
Abidjan Cote D Ivoire
West Africa

Dearest,
Please i am sorry for the inconvinences and embarrassment this may look like but i wrote it with the heart of tears and sorrows as an orphan,seeking your understanding and help in the name of GOD I am Rebecca Gross the only daughter of late Mr and Mrs Williams Gross.My father was a very wealthy cocoa merchant in Abidjan , the economic capital of Ivory coast, my father was poisoned to death by his business associates on one of their outings on a business trip . My mother died when I was a baby and since then my father took me so special. Before the death of my father on 20th may 2006 in a private hospital here in Abidjan he secretly called me on his bed side and told me that he has the sum of .USD $10.5m left in fixed / suspense account in one of the prime bank here in Abidjan ,that he used my name as his only daughter for the next of Kin in depositing of the fund. He also explained to me that it was because of this wealth that he was poisoned by his business associates. That I should seek for a foreign partner in a country of my choice where i will transfer this money and use it for investment purpose such as real estate management or hotel management .Dear, I am honourably seeking your assistance in the following ways:
(1) To provide a good bank account into which this money would be transferred into .
(2) To serve as a guardian of this fund since I am only 19years.
(3) To make arrangement for me to come over to your country to further my education and to secure a resident permit in your country. Moreover,dear, i am willing to offer you 15% of the total sum as compensation for your effort/ input after the successful transfer of this fund into your nominated account overseas. Furthermore, you indicate your options towards assisting me as I believe that this transaction would be concluded within seven (7) days you signify interest to assist me.
Anticipating to hear from you soon.
remain bless,
Yours Faithfully,
Rebecca Gross

Take your complaint to the news papers. Believe me HSBC will resolve everything asap. They will contact you immediately finding out bad publicity to the bank. It is in their best interest to close this matter with you.

I left Dubai from 2007 January 5th itself. Me also holding a Credit card from First Gulf bank. Unfortunately i forget to close that card. Now my friends said to me that, my balance is 6408 Dhs and they are giving 3 days time to refund it. Other wise, they are going for legal action. I sent minimum 6 mails to the bank and i called more that 4 times to customer care. They are least bothered about this. So be careful, if taking credit card from Dubai. Its not a credit Card, its a Cheat Card.

It's agreed. HSBC Retail is a full time theif...scammng people with late fees, holding payments, charging extra, individuals can't even pay off an account. Shouldn't this be ilegal? Does any one ever see justice with this group. I actually have proof...on statements and in writing from customer service...where the payments were held in order to charge late fees. One payment authorized over the phone was held for approximately a month in order to charge a late fee. I paid a larger payment in the meantime, thinking that the authorized payment would not go through. Did a stop payment on the $180 that never sappeared on the statement. One month later, HSBC tries to process the $180, calls it a return check and charges extra. Customer service responds with "we had incorrect banking information". Right...and pigs fly and HSBC is honest as the day is long. What can be done with this crooked group?

I wrote the above story. I then went to the Federal Trade Commission website and filed a complaint. I suggest that each of us file a complaint. They have to be held accountable.

I too have a horror story and I plan on taking them to court. I bought a flat screen supposedly with no finance charges or interest due until 2011. After about a year of them taking $20 out of my account monthly I receive an email that I am late in my payment. I called and asked how could I be late when they take the funds out automatically? The agent told me that after one year I needed to go online and set up the automatic withdrawals from my bank again. I did so and he dropped the $39 finance charge. Then a couple of months ago I received another email about a late fee. This is what hsbc now says to me: last september I had non-sufficient funds and so they compounded $200 in interest since then. Well, after speaking to four people (two supervisors) I got them to admit that there never were non-sufficient funds. I read them all my bank statements and every month for 18 months they have taken %20, and never once was there under $2000 in my account and certainly no nsf charges. So, the supervisor says to me: well then it was a technical error and now you owe $400 in finance charges. I told him I was not responsible for their technical problems and I wanted his name. He didn't want to give it to me, but finally he did. Then I said I wanted the address to send them the pay-off, He didn't want to give me that info either. Eventually I got the address out of him and said I was send them the pay-off of $1300 which is what we owe. He said no, you owe $1900. So in one afternoon I was told there were finance charges of $200, then $400, and finally $600! I am speaking to an attorney about this and have told my bank not to release any more funds to them.

I am contacting the Attorney General in my State and suggest you do the same. This company cannot continue to get away with these dishonest practices!

They have done the same thing to us. It is driving me crazy. We bought a computer at Best buy. We got the 12 months no intrest plan. I maid the first 10 payments on time and always paid more then my statment required I was almost done paying it off. But we fell behind on the next two payments. I got a letter in the mail saying that our ballance had gone from $330.00 to almost $900.00 due to the intrest they added for the whole year and finance charges and late fees. But if I called them by the 9th they would offer me a deal to get it back down to the $230.00 balance. So I called them imediatly. We set up a payment plan were they would submit checks to my bank on the 4th of every month.(that was the day I had called them on) And my accout would be paid in full in 4 months. I checked my account daily to verify the charge and by the 10th there still was nothing. so I called them and got the same run around you all did I have talked to over 50 people ! I was told the same thing that my check had been returned for nsf and that I had recevied the $25.00 return fee and the 35.00 late charges also And that they had sent it back threw. I called my bank and no checks had ever come threw on my accoutn. so I called them back and finally after talking to about 8 people one women told me I had to send her proof of how much money I had in my account. I have also asked to talk to a manager every time I call and have been transfered to other people not one of them managers. They have also flat out fefused to let me speek to a manager. Then I found out they had done the same thing they were missing one number on my accout. By this time they had already sent the payment threw 4 times and charged me all 4 times. They then took back their offer of the price reduction becouse the first time my check they wrote out was returned on the 10th one day after the deal expired.. So now after paying them for 4 months $104.00 I still owe almost 900.00 I have sent letters and faxes and never heard any thing back from them. I am so tired of dealing with them. I dont know what eles I can do. PLEASE if any one knows what we can do let me know. This has got to be against the law. Cant we do some thing?

I am working with HSBC Retail Services through a Yamaha motorcycle dealership here in Colorado and I am disgusted at their unfair practices!
In September, a check was sent to them in payment of my monthly bill, not due until October 11th. They claim they did not receive the check until October 11th and slapped on a $35 late fee. I was angered at this but blamed snail mail and didn't complain too much about it, however I had the foresight to phone in my next payment on November 8th - not due until Nov 11th. I used my debit card and requested that the payment be processed immediately. Confirmation number in hand, I felt secure that I had taken care of my business - that is, until I received my bill for December - an ADDITIONAL $35 late fee on top of a $15 pay-by-phone processing fee! Why the hell am I being charged another late fee. My $129 payment is now $214!
I hate HSBC Retail Services and the shady, underhanded, loan-shark mentality that they have.
There is NO website available for them that posts an e-mail address and al complaints are to be handled in writing - like they'd ever respond.
I NEED to know what to do. I want them out of business and I would like everyone to unite and fight these practices.

If anyone reading this has a way of contacting these criminals online, would they be kind enough to respond to this posting. I am working on a Teaching Assistant salary and can't afford this robbery.

I am having the worst experience with HSBC Retail Services. I bought a dog which I returned and the place I bought it from never gave me a full refund and since I financed it, HSBC kept sending me bills which I thought were already reimbursed. Then they charged me a late fee of $29.00. So I figured out the problem and sent them the check after the company I bought the dog from figured out they never reimbursed me. HSBC "LOST" the check. So tomorrow I am having the post office make those idiots sign for my package. They are scam artists.

MY husband and I have a best buy credit card which is held by HSBC bank. I thought it would be great if I could start receiving online statement notifications instead of a paper bill. The last paper bill that I receiv3ed was in June 2007. From July-October, I have yet to receive anything in wither a paper form or email notification.

I have made regular payments and to our surprise we received a collection letter from HSBC. When I called and was transfered to some place in India - the csr first thanked me for my payment and then yelled at me for being irresponsible because I am now in collections. My original payments for best buy was $29 a month, but I would pay $30. Apparently when we bought our computer from best buy the payments went up to $33 a month. So for 3 months, I shorted HSBC $3 a month, bringing a grand total of $9. For that $9, I am now in collections for $149.

When I called on 10/31/07, I spent 3 hours on the phone with over 6 people explaining and reexplaining that I haven't received any bills but still paid. They each told me that HSBC just sends out statements as a courtesy and it's my responsibility to know my amount. I have called every month since July complaining to HSBC regarding not getting an statements or notifications. When I mentioned that the csr(s) each said that I never called because they would have had a record of it. On October 31, 2007 I mentioned over 10 times that I wanted a manager. Each time, they either said that they don't have one, the manager's on the phone, and I have one supervisor flat out refuse to give me a manager telling me that I WILL ONLY DEAL WITH HER!
After 3 hours of getting a run around, I was back to square one, with the supervisor threatening to report me to all the credit reporting agencies and in essence because of shorting HSBC $9 - They not only have reported us but have taken away our promotional rate from Bestbuy. I am stressed out, my husband and I are fighting and I can't sleep. Can you help me? Does anyone know what to do?

Unable to connect customer service through my mobile, even through i gave my credit card number correctly.

My name is Linda Vu I am a student at University of Greenwich. I was recommended by a friend to invest my student loan into a mini cash individual saving account (ISA) in HSBC.
On 29th March 2008, I opened the mini cash ISA and invested £3, 000 in cash. After I received a letter which confirmed that the account was successfully opened and that the total amount invested came to £3000.

About six months after, I decided to a visit a different branch of HSBC to check my balance as I have never received any statements since the account was opened. On the screen, it indicated that I only had around £1000 in the account, which I had deposited into my account a few times in the time I opened the account till 6 months later. It showed that the £3000 I had invested had not been deposited or withdrawn.

With this on my mind I went to the branch I opened my account with in Dartford and ask to speak to the manager but was told he was too “busy” to see me. The person who spoke to me replied that the money that I invested when opening my account was not there. She then said that the manager would get back to me regarding the issue.
I returned a few days later as I had not been contacted about the issue and therefore asked to speak to the manager only to be told he is too busy to speak to his customers. I was then told to talk to another member of staff who said that they will be investigating by checking all the account, speaking to the person responsible for opening the account “Tom Kazza”, and by checking their CCTV security system.
I was then told that the manager will definitely contact me within the next two days.

I was not surprise at all when the manager failed to contact me which made me have to go to the branch for the third. Again I was told the manager was yet again busy so I had to speak to the sales manager who said that the £3, 000 transaction was not made on any accounts in that branch on Saturday 24th of March 2008, their CCTV camera did not go back 6 months and that they do not accept cash on a Saturday. The sales manager also indicated that the person responsible, Tom Kazza, was new at his job. Questions were going through my mind such as “why was he allowed to open mine or any other customer accounts and take our money?” and “Who else has he done this to or is going to pull this stunt again?”
She also said the letter of confirmation I had shown is not regarded as proof and wanted my account statements to prove I had that amount in my account.

After being told this, I took a trip to the police station to inform them that Tom Kazza or HSBC has stolen my money, I showed my evidence that I had £3, 000 in my other account and the letter confirming £3, 000 has now been credit to your account.
I was told by the police that HSBC do have the CCTV that goes back to the time my account had been open. In order to open mini cash ISA, I would have needed to deposit money onto it, so therefore how could I possibly open my account on the 24th of March and have a letter confirming I had opened it and the amount I put in prove not to be enough evidence. I was told that in her opinion it was enough proof. I was then advised to go back to the branch to get a letter, which should say that no transaction of that amount was made, and bring it back to the station so that they could investigate the matter.

The HSBC branch in Dartford has been very unhelpful leading to a very distressed and an unhappy customer. Each time I went there, I was told the branch manager was too busy to see and that he will contact me and unfortunately happened three times

When the new manager Hayley Lowe finally investigated the matter she sent me a letter confirming there is no evidence £3000 was credited into my account, of course I was extremely angry so I called up the head office where they said further investigation will be required. I then went into the branch to talk to Hayley to understand what investigation she had done, the only thing she done was talked to Tom Kazze who said “he remembers me and that I did not credit no money in” and that no account within the branch received the £3000, however to open a ISA account you need at least £1 in order for your account to be opened, of course the manager said you don’t need to put no money in, this is when I asked for a leaflet which she went and got, read it, and annoyed “yes you was right you do need to put £1 in but you don’t really” what kind of response is that? I then demanded for another investigation as Tom Kazze or another member of staff has taken my money.
I gave her my Halifax statement to prove I had £3000 in my account during the time I opened my ISA account. During the three weeks after the interview, the senior manager Rebecca Kemp called me up saying they are investigating the matter and can look at their CCTV the date I opened my account.

The 11th of November I receive a letter from Rebecca that “the declaration letter handed to you at the time of opening your account had incorrectly stated the subscription amount and, have fully investigated the matter, I can confirm that we did not receive any funds from yourself on the day opening the account” I imminently called her up to see what they did to investigate that Tom Kazze has taken my money, she replied she has evidence that I did not cash in no money via investigating Tom Kazza again in front of he’s manager and looked at the accounts, this is the same investigation they did before, I keep on repeating you said you was going to check your CCTV, Rebecca replied “we feel we have enough evidence from Tom admitting he’s done a faulty on typing in £3000 and checking all of the account” this is not a fully investigation that he’s taken my money and I have not been treated fairly as a customer as I replied many time did you check your CCTV as that’s the evidence I did give Tom Kazza £3000 in cash, Rebecca kept on saying “for the final time we have done our fully investigation!” this is not including the CCTV. I kept on asking “but have you checked your CCTV” and she said “for the final time we have fully investigated the matter” then rudely hung up the phone on me! She would not answer my question as she has not investigated the issue fully. I am a very unhappy customer who has been distressed and emotional for the last 2 months as they have not been treating me as a individual, refuse to give back my money that I invested in and I feel as I am being discriminate due to my age of being 20. Tom Kazza has taken my money please help!

Please contact me on [protected] or email me on LV_@hotmail.co.uk for more information. I will be happy enough to do interviews.

Thank you

HSBC sangat keterlaluan. Saya seorang nasabah kartu kredit HSBC merasa sangat dirugikan oleh pihak HSBC. Saya masuk ke dalam program cicilan di pihak Collection karena pada awal saya mau menutup CC saya dan melunaskan tagihan, mereka berkata tidak bisa. Padahal kartu saya baru diganti dengan kartu HSBC Gold versi baru dan belum saya aktifkan. Bahkan mereka berkata "Diamkan saja tagihannya, nanti juga akan diblock permanent". Ya jelas saja di block dan nama saya di blacklist di BI. Tapi karena saya sudah lelah berurusan dengan mereka, saya pun mendiamkannya dan masuk ke programm cicilan di collection. Saya minta pembayaran dilakukan sebanyak 5x namun mereka meminta 4x saja. Saya setujui dengan kondisi tanggal pembayaran max. sampai tanggal 10 setiap bulannya. Mereka berkata bahwa tanggal 5 sudah tanggal terbit tagihan, yang sampai saat ini tagihannya atau billing pembayaran saya tidak pernah saya terima, tapi akan memberikan waktu sampai tanggal 10. Setelah ingin memasuki pembayaran ke-4, saya menelfon pihak collection HSCB, namun mereka berkata untuk menunggu dihubungi saja karena yang menangani case saya tidak ada di kantor, 3 hari berturut-turut saya menghubungi namun jawabannya sama. Saya hanya ingin menanyakan melalui surat keterangan lunas, apakah dengan pembayaran terakhir dilakukan, saya bisa mendapatkan surat lunasnya langsung? Setelah dihubungi oleh nomor +[protected] yang mengatakan dari pihak HSBC, saya mengkonfirmasi hal tersebut. Mereka berkata bahwa setelah pembayaran dilakukan hari itu juga maka surat keterangan lunas dapat langsung di ambil di Menara Mulia lantai 21. Setelah melakukan pembayaran pada hari itu, saya mendapatkan telfon dari nomor +[protected] +[protected] +[protected], yang saya yakini adalah nomor telefon HSBC, saya angkat tapi selalu tidak ada suaranya. Saya coba hubungi kembali namun tidak dapat diraih begitu pula dengan nomor collection HSBC 021-[protected] juga tidak bisa. Pada 2 hari yang lalu saya dihubungi oleh saudari Halimah ( dari nomor telpon +[protected] +[protected]) yang tiba-tiba menyatakan bahwa saya masih memiliki minimum payment dan harus dibayarkan pada itu juga. Saya lalu menjelaskan bahwa saya sudah masuk program collection dan sudah membayar lunas kewajiban saya dan meminta untuk di cross check kembali. Saudari tersebut menyatakan bahwa beliau akan koordinasi kembali. Pada hari ini, saya kembali dihubungi oleh pihak HSBC dengan nama Abdul (no telpon +[protected]) dan menyatakan hal yang sama dan beliau bilang bahwa programm saya dibatalkan karena terlambat bayar (padahal hal ini sudah dikonfirmasi sebelumnya dan tidak ada permasalahan). Hal ini dilakukan sepihak saja oleh HSBC tanpa adanya koordinasi atau informasi kepada saya. Bahkan telfon yang mereka tidak bersuara saja dituduhkan karena salah saya yang tidak dapat dihubungi. Ya Tuhan. Saya lalu menghubungi ke pihak CS HSBC namun mereka tidak bisa membantu dengan alasan sudah masuk ke pihak Collection. Saya lalu menghubungi pihak Collection ke nomor 021-[protected] dan 021-[protected], berbicara dengan Bapak Moresbi. Beliau malah marah-marah ke saya dan mengatakan bahwa saya tidak berhak untuk complaint. Saya semakin tidak percaya dengan kelakuan pihak collection HSBC. Mereka berkata bahwa pembayaran terakhir saya dianggap tidak dilakukan karena sudah lewat dari tanggal 5, padahal pada pembayaran kedua saya melakukannya pada tanggal 7 dan tidak ada permasalahan apapun. Sedangkan hal yang sudah saya konfirmasikan sebelumnya, malah menjadi masalah. Dan saya disuruh untuk melakukan pembayaran ulang untuk semua tagihan saya dimulai dengan minimum payment yang tidak tahu logikanya dari mana berasal. Saya sangat kecewa dengan pelayanan HSBC! Kasar, tidak memiliki etika, tidak memiliki logika!

Bunch of rude, inconsiderate a-holes that yell & insult! The next person they talk to is going to be my lawyer! Screw you HSBC! Give me the info I asked for & call off your damn dogs! That's what they are, a bunch of damrabid dogs!

Jakarta, 30 Nopember 2012
Ref : 1183/YA-FY/PDT/HSBC/XI/12

Kepada Yth.
Branch Manager HSBC Senayan Branch
The Hongkong and Shanghai Banking Corporation Limited
Sentral Senayan Building 1, G floor
Jl.Asis Afirka No. 8
Jakarta 10270
Indonesia

Dengan hormat,
Perihal : Pengaduan penggunaan Debt Colector oleh Collection center HSBC atas kasus
pembatalan kartu kredit HSBC Premier secara sepihak yang sangat merugikan
kami serta surat anda tgl 22/06/2012

Menindak lanjuti pengaduan kami No. 7002/YA-FY/PDT/HSBC/VII/12 tertanggal 5 Juli 2012, yang belum mendapatkan perhatian dan tanggapan dari Saudara, bersama ini kami DR. Fredrich Yunadi, S.H., LL.M; MBA nasabah HSBC Cabang Senayan A/C [protected] dan memiliki dua kartu kredit HSBC dengan nomer: [protected] limit Rp. 107.800.000, -( yang semulanya limit Rp. 115.000.000, _) dan nomer [protected] dengan limit Rp. 115.000.000, - dan kami menjadi nasabah HSBC terhitung tahun 2004 ketika HSBC Cabang Senayan masih berkantor di Panglima Polim Raya. Aktifitas kami rekening premier di HSBC sejak tahun 2004 sering tidak aktif dan tidak pernah mempengaruhi posisi kedua kartu kredit(silahkan saudara cek mutasi rekening kedua kartu kredit kami), selama ini kami sangat aktif menggunakan kartu kredit HSBC baik Platinum maupun Premier, namun limit kartu kredit kami sudah lebih dari 6 tahun ini tidak pernah dinaikkan batas limitnya, bahkan untuk limit kartu kredit Premier justru diturunkan menjadi Rp. 107.800.000, - meskipun kami berulang kali komplen ke CS HSBC tetap TIDAK DITANGGAPI. oleh karenanya dana kami yang ada di rekening Premier kami tarik pindahkan ke Bank lain. Meskipun demikian penggunaan kedua kartu kredit tetap masih aktif dan setiap bulannya kami membayar full payment(silahkan di cek history pembayaran kartu kredit kami).
Bahwa tiba-2 kami diberitahu oleh petugas HSBC yang namanya kami tidak mencatat bahwa kartu kredit HSBC Premier kami telah dibatalkan sepihak oleh HSBC dan tidak mau menyebutkan alasannya meskipun kami protes bahwa kami rajin membayar full payment dan tidak pernah melakukan pelanggaran dan menyatakan seluruh sisa tagihan dalam kartu kredit kami akan dipindahkan ke kartu kredit Platinum;
Bahwa karena faktanya tagihan kartu kredit Premier tidak pernah dipindahkan ke kartu kredit Platinum, tiba-tiba saudara kini menjawab bahwa kriteria minimum yang ditentukan oleh HSBC belum dipenuhi, maka tagihan di kartu kredit Premier kami pending pembayarannya dikarenakan kami memperoleh penjelasan dari CS HSBC Premier bahwa jikalau dibayarkan ke rekening kartu kredit Premier tersebut, maka tidak bisa lagi kami menarik maupun menggunakan kartu kredit premier tersebut, sebab KARTU KREDIT PREMIER KAMI SUDAH DIBATALKAN SEPIHAK OLEH HSBC;
Bahwa dengan etika baik kami coba membayarkan minimum payment yang tertera dalam tagihan di kartu kredit premier dengan jumlah nominal Rp. 21.100.354, pada tanggal 1 Mei 2012 (Bukti -1) sesuai dengan yang tertera dalam lembaran tagihan HSBC ( Bukti -2);
Bahwa terhitung mulai tanggal 20 Nopember 2012, HP pribadi kami selalu menerima telpon dengan Nomer 021-[protected], kemudian nomer 021-[protected], kemudian [protected], [protected] dan puluhan nomer yang tidak dikenal asal usulnya, kami sempat berapa kali mengangkatnya ternyata yang menelpon MENGAKU SEBAGAI DEBT COLECTOR yang disewa HSBC, menyatakan HSBC menyewa seratus orang debt Colector yang siap bertindak brutal atas perintah HSBC, dikediaman pribadi kami juga menerima terror berturut-turut dari manusia yang mengaku debt collector HSBC dengan nada kasar tanpa basa basi mencaci maki kami antara laian :… kamu punya tunggakan Rp. 93 juta lebih di HSBC, hari ini kami harus melunasi, saya tidak perduli kami pengacara pokoknya hari ini kamu harus melunasi 93 juta, atau saya akan kirimkan petugas lapangan untuk mengobrak abrik rumah kamu, ….dan kata-2 lain yang menunjukkan HSBC menggunakan tenaga murahan yang tidak berpendidikan dan sama sekali tidak berkwalitas sebagai seorang pegawai bank yang menjatuhkan martabat HSBC, dengan berlagak sebagai kepala preman mengancam akan mengirimkan tukang pukul debt kolektor ke rumah pribadi kami, untuk itu langsung kami adukan ke CS HSBC premier
Bahwa kami ingatkan kepada saudara Ivy Widjaja, bahwa HSBC secara sepihak telah membatalkan kartu kredit tanpa suatu alasan yang sah yang dapat dipertanggung jawabkan didepan hukum, HSBC telah meneror pribadi kami dengan menelpon diluar jam kerja dengan kata-2 yang menyinggung dan menghina martabat dan profesi kami selaku Advokat, sehingga sudah cukup unsur bagi kami setiap saat untuk melakukan tindakan hukum dengan membuat Laporan Polisi sebagaimana Pasal 310, 311 jo pasal 335 KUHP baik terhadap oknum2 colection dan seluruh pimpinan HSBC sebagaimana Undang-2 Perseroan Terbatas;
Bahwa sebagaimana kasus debt kolektor CITI Bank yang meledak dan Bank Indonesia telah melarang pihak-2 perbankkan maupun penerbit kartu kredit menggunakan jasa debt kolektor, meskipun adanya pengumuman dari Bank Indonesia akan diperbolehkan menggunakan jasa pihak ketiga namun dengan persyaratan sangat ketat dan tetap merupakan tanggung jawab pihak bank/penerbit kartu kredit dan baru berlaku mulai awal tahun 2013, ternyata HSBC telah menyewa oknum debt kolektor yang melakukan terror terhadap diri kami diluar jam kerja, yang kami minta pihak HSBC segera mengusutnya hingga tuntas guna mencagah langka-2 hukum yang bakal kami tempuh;

Demikian surat pengaduan kami untuk diketahui, atas perhatian dan kerjasama yang baik sebelum dan sesudahnya kami ucapkan banyak terima kasih.

Hormat kami,
YUNADI & ASSOCIATES

DR. Fredrich Yunadi, S.H., LL.M., MBA
Advokat

Tembusan kepada Yth.
1. Direksi Bank HSBC
2. Card center manager HSBC

I had closed a HSBC CC in may 2009 after paying the full advised amount. Since, then the CC details were not available on the website nor the helpline could access the card details. Suddenly after 7 months in December 2009, I started receiving the extortion calls for dues on the closed CC for the amount of ~Rs 6000, from a collection agent.
I tried calling the helpline, but they could not access the CC details as it was closed. Finally I got a number for HSBC cards nodal officer helpline. The guy at the phone told me that there was a due amount of Rs 1300 on the card which after various service charges and default fines became ~6000 in december. He credited back all the extra charges and asked me to pay the dues of Rs 1300. I paid that amount. The ### collection agent still keeps calling me and insists that I tell him how much I paid to clear the dues, which I refuse to divulge and ask him to get in touch with the HSBC.
But he still keeps calling.

What a pathetic org the HSBC is. I hope they rot.

Hi Amit Dammani,

I am in exact same scenario.
iam receiving some telegrams stating some person named jaiswal i going to start a legal charge call ... on some number.

when i called those numbers i was give different number and then i called that number he will give another number...and some numbers wont work.

i did sent the Dispute form. no response regarding that.

is your issue resolved ? if yes i would like to know the process.

I am Amit Dammani, I was holding an HSBC Credit Card with an add on credit card on by brother's name.

I have lost my HSBC Credit Card in Kuala Lumpur (Malaysia) in the month of October 2007. Immediately then, I have called up HSBC to Block my Credit Card, and HSBC has blocked the card. With this procedure, I was having only one HSBC card which is on my brother’s name.

While making the payment for December 2007, we were supposed to pay an amount of Rs.10, 620 to HSBC. However, when my Brother approached to the HSBC Center for payment, he came to know that HSBC has raised the payment amount of over Rs. 50, 000 (not recollecting the exact figures).

When enquired about this erroneous amount, we got to know that HSBC has reissued the Credit card on my name as a replacement for the blocked (Lost) credit card (Reissued the card to Amit Dammani which I have not applied for).
I have highlighted the issue to HSBC Call center that, I have never been back (till date) to India since the day I have blocked the card (October 2007). So no question of receiving/collecting the reissued Card.

Now, with the interest the amount has raised to more than 90, 000. and for that they are raising a leagal action.I have called many times to sort the matter but they are simply not understanding the fact that I have never been back to India after the card is block.

Please guide me what to do now?

Credit card Identity theft. Even though I have filed with all (3) credit reporting companies and filed a police report on identity theft and provided this information to HSBC. I am still receiving several phone calls a day from 2nd party collection agencies demanding payment. These people are very insulting, rude and harassing. It was bad enough to learn that my identity had been stolen, and HSBC has agreed that this is definitely fraud but they have not reined in their collection dogs.

I think HSBC (3rd party-Collections Department) needs more training in terms of business ethics. The more they treat their customers like a piece of ###, the more they will lose their business in one split second. Do they think they can easily convince people to make a payment by yelling? Insulting? Telling us they're lawyers? Sweet...

A little more than a year ago I banked with US Bank when I moved to Sacramento, CA. The teller who set up my account wasn't very informative of all their policies. The place I had it set up was in a safeway supermarket.

I had to wait a month's worth to get my debit card. I constantly called up the supermarket station and asked what was the deal with my card. I had a number of people give me the run around and to make matters worse the teller who originally started up my account had quit. I wasn't even given anything like starter checks, brochures, nothing. When I spoke with the supervisor there she ended up laughing in which I promptly told her to shut up with it. I ended up going to an actual facility that was located not too far away. The tellers there were a little better and had more of a firm grasp of what they were doing but when telling them about what happened to me at the station in the supermarket they only expressed sympathy about how the staff there was ill trained. What about sympathy for the customer? I worked in customer service for years and know for a fact that no matter what the situation you gotta express some degree of sympathy for customers because it's a well known fact that when we clock out and go back to our lives we're no different.

To make matters worse, they didn't give me a choice in the matter when offered a credit line due to my good credit status. I tried to decline it but they claimed that it's made automatic for those of good credit. This credit line is not at all that wonderful because even though you asked to be charged debit when making purchases the credit line somehow manages to sneak in and take effect. The overdraft fees are awful. I made only one occurrence of overwithdrawing and I was charged a rate that increases with each day. They also enforced a spending limit without my consent.

Customer service is horrible. Over the phones you will get reps that will give you the run around. The tellers at the supermarket are exceptionally rude and the tellers at the facility would often try pushing you into using other parts of their service that you've already said no to.

I had planned on moving on to a different bank and would've done so sooner but the fact that I just moved into the area and I was in no position to switch banks for the sake of keeping stability of income forced me to stick with them for a year's length.

When the time came for me to finally break off from them I found that I owed them over $600 for the credit line. I of course had to pay it off and get it over with.

To sum it up, US Bank has terrible customer service, a lot of sneaky underhanded ways in stealing your money, and all in all no consideration or ethics when dealing with any customer from what I've seen with my experience and watching others who visit the facilities and get the aggravating run around.

I encourage everyone to steer away from ever having to bank with US Bank. For a business that deals with keeping your money safe they most certainly do the exact opposite and attempt to turn your hard earned money into something that's under their ownership.

In the world of big banks getting bigger we have fallen prey to their tactics when leasing a car. My wife and I have never leased before and thought it may be a nice option. Well, it was NOT! Be aware of US Bank, they have no concern for the leasing customer(s)!

After leasing the car, we took out the carpeted mats to preserve them so when we turned the vehicle back in we would not be hassled. Boy were we wrong. They charged us for additional wear and tear, door dings. We even added tires at our expense! My wife is a school teacher driving 20 miles round trip for the three years and a couple of family vacations, so the use was less than a traveling salesman.

OUR SUGGESTION DO NOT LEASE WITH US BANK AT ALL, IF YOU DO MAKE SURE YOU READ ALL THE FINE PRINT BECAUSE THEY WILL REFER TO IT TIME AFTER TIME. THEIR OPINION OF WEAR AND TEAR IS GOING TO BE MUCH DIFFERENT THAN ANYONE ELSE'S OUT THERE!

Dear client,

Your Credit Information Bureau (Cibil) credit information report(CIR), other than your income, is the single most important tool used by a lender to evaluate your application for any loan or credit card application. Naturally, it's important that you understand yourCibil CIR and what it takes to maintain a credit history, so that it is viewed favourably by lenders.

We providing assistance on behalf of the client to get CIBIL report.

Please not we neither working on behalf of CIBIL nor any other government department.
We are Independent financial advisors.

Our serivices includes
Assisting for applying CIBIL reports
Helping for CIBIL report correctoion
Assisting getting loans from nationalised or private banks or NBFCs
Representing CIBIL issues and other matters to client's bank
Fighting for getting NOC or NO DUE CERTIFICATE from banks on behalf of client after settling account
Liasioning between Bank and Cleint to sort out the matter of credit cards or loans
or more information please visit at https://www.cibil.com

NOTE: CIBIL REPORT IS STRICTLY PRIVATE AND CONFIDENTIAL DOCUMENT NEVER DISCLOSE TO ANY ONE

We are not providing any free services but advising professionally and result oriented.

Office:

VERITAS THE TEAM
914, Sahajanand Shopping Centre
Opp. Swaminarayan Temple
Shahibaug Ahmedabad 380004

Ph: 079-[protected]
Fax : 079-[protected]
SMS: [protected]
Mail : veritastheteam.smile777@gmail.com
Facebook:http://www.facebook.com/profile.php?id=100002378316540

I agree with you. HSBC stands for fraudulent services. I had credit card was settled long back almost 30 months back, still I haven't received any NOC from them and now they have registered my name in CIBIL, even though I have the settlement letter and the receipts for the payment and even I have the cheque in the name of HSBC. Even then they do these things. HSBC really Sucks. HSBC generates revenue in this manner only, I feel. These people they really suck.

please send me a NOC letter for credit card final payment.

Sir/Madam,

Sub:- NOC-Reg.,
Ref:- My HSBC Credit Card No. [protected].

With reference to the above, I cancelled my credit card in Dec'2007 at that time I paid final payment Rs.75, 181/- vide ch no. 057181 but your peole are charged interest and late payment fees Rs.14539/- about this payment your people (HSBC) are not informed me and my name sended to CIBIL data recently bank people send me a bill of Rs.14, 539/- I paid bill also vide ch no. 166163, Dt.18.11.08 it was cleared on Dt.28.11.08.

So, kindly I request you to send a NOC letter at the earliest it was great helf ful to me. My communication address was changed new AddressHari Challa, Plot No.56 & 57, Vittal Rao Nagar, Madhapur, Hyderabad - 500 081. Mobile No.[protected].

Thanks and Regards
Hari Challa
Managing Director
Aliens Developers Pvt Ltd

that sounds absolutely horrible, and can say i've had similar dealings. I was shopping around for a different bank and all i got were these bank employees who knew nothing about their product much less the benefits of banking with thier company as opposed to the one across the street. One of these banks was Bank Of America, whom i will never deal with.

name Coleen D'souza
card no. [protected]
cell no [protected]

I had called your customer care regarding the reversal of all charges and your customer care officer had promised but still nothing has been done... it has been lingering on for a long time. I am getting sms's / statements to make payments. And kindly inform Tata aig I am not interested in their policy as I had not asked for the policy.

Kindly zeroise my account so that I can operate this card.

regards Coleen D'souza

Its not a complaint. I want to send a mail or I want to call HSBC customer care. If I call customer care number in Bangalore, its always engaged. I have searched for email-id, but it ends in vain. Where can I get an customer care email id...

My problem since they bought my mortgage note from my original mortgage lender. I'm been through hell with HSBC going on for nine years..

HSBC is out of the U.K. and many other banks in a America are based from other countries out of the U.S. well.

These banks have the power to do as will without U.S. congress permission. This to me have proven that America is being sold out and land squeezed out from it's owner's through the power of interest and late fees. Look at the amount of it is applied towards interest vs principle. "Go ahead I'll wait".

Well? It's simple the word is: RIDICULOUS!

With jobs declining rapidly, and no pay increase for many existing workers and that number is increasing too. How is one to battle the war on interest and late fees with no little or no ammo?

I had my existing problem for nearly nine plus years and in a recession still and hanging on like millions of other homeowners facing similar or close to the same issues many have with these banks.

I contacted the US White House via their homepage and click on the link "contact us" and select area of issue. Got a reply around thirty days later but help was not a consideration only additional contacts to other useless organizations like H.U.D and B.C.C..

Ok bottom line I been through four attempts to refinance and four attempts for a loan modification. Unsuccessful last attempt with an outside company to get a loan mod stole my money fifteen hundred dollars. I went with this company based on BBB ratings and good standards. Why is the number of home foreclosure are increasing still and not being mentioned via news media. And now a number of loan modifications company are scamming homeowners to push them deeper in the hole.

Is this an agenda taking place?

If a international bank holds title to land in the U.S.. They have the rights to claim that land as ownership also titled to the bank that resides in their country. Well this is my case point that America is being bought out. And the way to push American citizens out of their property with our own laws and law officers is through the power of interest and late fees. With money that doesn't exist, 97% of money is through electronic transactions data.

Also like to mention how unfunny home value are still decreasing, but your home property taxes go up because your local county state assessment office value your house twice as much than it would sell for. Giving them the justification to raise your property tax.

Is this an agenda taking place..hmm!

Please explain how HSBC can mail me documents showing my mortgage with them 11/1995 when I have my mortgage papers from SAXON & Meriteck showing my mortgage was paid off in 1997? I also recvd HUD papers (detailed) from HSBC/HFC Mortgage with my signature forged dated 11/1995. What started me looking at my mortgage papers was when HSBC/HFC sent me a check stating they were monitoring my mortgage account for late fees acessed in error so I thought what else did they due in error & there it was over a period of several years starting with when I started using HFC/HSBC July 2nd 1997 they added disability & credit life into finace & deducted from a revolving loan same day July 2nd 1997 & than added the disability & credit life into my refi even though the insurance was cancelled the same day than they did it again in 1998 & 1999 which adds up to apprm 30, 000.00 & now HSBC is sending me fraudulent papers! I sent copies of all the paperwork I had to their research department + called first, when I called they stated I didnot have disability or life insurance on my loan numbers however when I disputed my finding all of a sudden I had disability or life insurance ! I sent them proof of all my original documents & all they did was copy & paste information to what I sent them even copying & pasting my signature! When I addressed these issues with OCC, Nation of Banks, BBB & FTC all I got was the run around, each department said to contact this one & that one. Than when the OCC sent a letter giving HSBC/HFC a date to respond all HSBC/HFC did was send them the samething I sent them except HSBC/HFC did not send the 1995 fraudulent documents to Nation of Banks or the OCC . Where is the justice? I am now after 14 years living here walking away from this house because I refuse to pay a company that has raped me + on top of everything else HFC/HSBC knew what I was going thru during those years. My daughter was bit by a dog July 2nd 1997 & it took off half of her face, they acted like my friend when all they wanted was my money. My daughter is now 20 she was 8 at the time & we are still going thru surgeries but I will be darn if I give one more penny to the devil himseld! Regards E.C.S

MAXIDEX WARNING

I had eye surgery and in the post-op pack was MAXIDEX(dexamethasone) drops by Alcon Labs.

Two days later I was BLIND

Use Google and enter EPOCRATES MAXIDEX to verify

Dear Sir,
I had forwarded you request on 28 feb 2007 with reference to the matter that had not received my credit card no. [protected] and it has been misused. This was informed to you to take the suitable action, But in spite of that today I got a call from HSBC lawyer Mr. R.K Verma, That they are going to take some legal action ,this call disturbed me a lot as I was considering that some action has already has been taken on this matter and I was not found guilty.

I am again listing the facts with evidences I have already explained;

1) I had received a mail on 30 Dec 2006 that my credit card application is registered under application reference # [protected].
2) On 08 Jan 2007 I received a mail that my application is approved and application reference no. was # [protected]
3) I was at Baddi unit of Macleods pharmaceutical Ltd. At that time when I filled the application.
4) I was in Mumbai from 2 jan 2007 onwards so it is not practically possible for me that I can receive the card being at Mumbai as delivery address was of macleods pharmaceutical baddi dist solan (HP) .
5) On 23 feb 2007 I received my first statement at Baddi plant and I was informed on phone by my Baddi office that bill shows outstanding of 45000/- Rupees approximately . I called to customer care and told them to block this card immediately.
6) Also on the instructions of customer care I had submitted an application of mishandling of credit card at HSBC Bank branch ,stationed at Kamala bhavan Swaminityanand marg near Garvare house Western express high way Near old Bhar cinema Andheri (E) Mumbai.
7) On 17/09/07 I had received almost ten calls that warrant will be issued to me if I will not pay the settlement amount . But in between time span of almost 6 months I had not received any communication from HSBC bank.
8) As in this whole sequence I had cooperated with the bank a lot but as I got calls today Mr. Rajnesh Sarin directly told that this fault is not from banks side as he wants to indicate directly the delivery of the credit card in the correct hands is not banks responsibility and ones the card is handover to courier there is no responsibility lies with bank that credit card is handed over in right hands or not.
9) As per his statement any personnel working in courier services which banks are utilizing for card delivery is authorized to misuse the card if he/she requires.

I am getting emails mr.Edward Connor that i won a lottery for u.k.pouunds 850, 000.00
Kindly let me know if this news is true or a scam.
They sent me the copy of cheque also.

I had my GM Mastercard canceled... I thought! Then, I received fraudulent charges on the account that took 6 months for them to finally waive and close.

The fraudulent claims were waived, but interest was charged for the amount which was waived for the 6 months! Ludicrous! I called 'Customer Service' many many times only to be treated with disrespect by agents with foreign accents. Funny how one of the fraudulent charges was for a prepaid phonecard to India. The interest that I refuse to pay has been added as 'potentially negative' on my credit report.

Unbelievable - you pay your car note. You next to the last one after 7 years and they cash it and do not post. Then harass you constantly via telephone. People that do not speak English! What a farce! Go anywhere else for your auto loan - these people are a rip off!

Rude. Learn how to speak English when you call my home and make damned sure I owe money - as I had the bank cancelled check for these incompetents. American jobs going overseas to stupid people who cannot talk. This is what you get America - dumb, rude people who have zero social skills and apparently no accounting skills either. Go to your local American bank! Buy American everything! Wal-Mart too - a bunch of Chinese crap! Why are we feeding these people and not our own? Anti- Obama here! - change - yes, diaper head change!

I paid off my credit card balance with Younkers in Sept. 08 and HSBC services has been charging me a $30 a month late fee every month since. I have charged nothing since Sept. and I do not owe any late fees but despite phone calls and letters to the company I get no where.
When I called they were rude and I got the run around. Every month they add another late fee on top of the previous late fee and are charging interest on the late fees. Can they legally do this? This is also effecting my credit score. After seeing all the complaints about this company isn't there something we could do to them. They should be put out of business.

Due to the economic situation, sometime back I found myself with some rather delinquent credit cards, with one of those being a cincinnati reds credit card issued by HSBC (separate from my original HSBC account).

Unable to send full payment, I sent a token payment and informed them I would try if possible to send such payments until I was once again able to resume making regular payments. Needless to say, this was of course not satisfactory with the creditor.

I have exhausted every other possibility I could think of with the only other choice being bankruptcy. A choice I would rather not make however, current circumstances may leave me no other alternative.

Dear Sir/Madam,

I booked Movie tickets through "Big Cinemas" by 16/10/2009, while booking i got network error thrice at that time of after credit card payment, but that selected seat is avaialable after that error, after fourth time only i booked the ticket.

Now i recieved the Credit card statement of HSBC Bank, in that they will charged the error bookings (3 times - Rs 600 (200+200+200)) also. I spoke with HSBC Bank Credit card customer care, they told me to contact you thru this website.

Kindly credit the thrice the time charged amount(Rs 600.00) into my account (HSBC)

Details given below:

Name : K.Pugazhenthi
Mobile : [protected]
Mail ID : PugazhenthiK@LNTEBG.com

Creditcard statement is attached for your reference.
HSBC Credit card Number : [protected]

I have been using HSBC Credit Card since jan2010 but i have not received any statement of bills since then . i have been making payments timely whatever amount informed by HSBC Customer care on phone. whenever i have queried regarding statement it has been replied that already being sent to you on your mail but i have not received any mail featuring credit card statement. please send the statement of last three months asap

This isn't really a complain. I just saw these complains about HSBC. For all we know everyone is hit hard because of the economic turmoil happening in the U.S. Apparently, now's the great time to use it as an excuse and be all out with complaints and everything related to it.

I saw these complaints about statements that are not received (which usually takes 7-10 business days). You can got to the website found at the back of the card and there you can view the statement. Don't blame the company if the statement is not received because first, it is the cardmember's obligation to check also with customer service is they have the right billing address (coz there are SO MANY cases that the company has the right address but it's the postal service's fault). There's human error in case there is a mix up with the mail. So don't get upset and blame the company right away. If you already know that you should be receiving a bill, don't wait til collections dept. call. Coz if you know what your responsibilities are, you have to be pro-active about that then. Oh and if you know so well that you'll be relocating or transferring to a different address, it is a cardmember's responsibility to call the card company and have that address changed.

If your issue is about finance charge. Don't get upset right away if it jacks up to whatever %. A common mistake is the terms and conditions about a credit card is not really read by these cardmembers. For example, they'll apply for this so-called promo card with "0% interest".. that'll be the perfect card for you if you're ALWAYS on time with the payments. Because if you miss a payment even for "ONCE", it's going to be on default. In other words, the PROMO ENDS.

Argh! so annoying..

This person says he is chairman of hsbc and gives will money to the relavive of abdel aziz, who died in plane crash.
Vincent cheng is the chairman of hsbc, the person who calls himself by the same name, i know he isn`t the chairman, first of all chairman doesn`t give their mobile no. to unknown people and documents to fill in and no office no. plus he telephone me says don`t tell hsbc bank we are doing this and then he says they don`t we are doing this.

So please aware if you get emails saying i`m vincent cheng chairman of hsbc, it`s a scam, this imposter will keep on asking for money till it doesn`t run out.

I have paid this ### £12, 000 GBP, he scammed big timer, this person is from Hong Kong.

I am holding HSBC credit card no. [protected].
I have not been receiving transaction statementsw for last two months.
I am making the payment based on the SMS received by you.

I would like to know the details for which I am making the payment.

Please send me the statements for these months.

And also please send me the statements regularly. For any delay in the payment in the absence of SMS from you, I will not be responsible for making any delayed payment charges.

A. L. Gupte,
6, Shrinidhi CHS,
Opp. Maharashtra Steel Corp. Shop,
DOMBIVLI(E) 421201
District - THANE
M.S.
INDIA

WHAT IS STATUS MY APPLICATION ON NEW CRIDIT CARD

Dear Sir,
I had forwarded you request on 27 feb 2007 with reference to the matter that had not received my credit card no. [protected] and it has been misused. This was informed to you to take the suitable action, But in spite of that today I got a call from HSBC lawyer Mr. R.K Verma, That they are going to take some legal action ,this call disturbed me a lot as I was considering that some action has already has been taken on this matter and I was not found guilty.

I am again listing the facts with evidences I have already explained;

1) I had received a mail on 30 Dec 2006 that my credit card application is registered under application reference # [protected].
2) On 08 Jan 2007 I received a mail that my application is approved and application reference no. was # [protected]
3) I was at Baddi unit of Macleods pharmaceutical Ltd. At that time when I filled the application.
4) I was in Mumbai from 2 jan 2007 onwards so it is not practically possible for me that I can receive the card being at Mumbai as delivery address was of macleods pharmaceutical baddi dist solan (HP) .
5) On 23 feb 2007 I received my first statement at Baddi plant and I was informed on phone by my Baddi office that bill shows outstanding of 45000/- Rupees approximately . I called to customer care and told them to block this card immediately.
6) Also on the instructions of customer care I had submitted an application of mishandling of credit card at HSBC Bank branch ,stationed at Kamala bhavan Swaminityanand marg near Garvare house Western express high way Near old Bhar cinema Andheri (E) Mumbai.
7) On 17/09/07 I had received almost ten calls that warrant will be issued to me if I will not pay the settlement amount . But in between time span of almost 6 months I had not received any communication from HSBC bank.
8) As in this whole sequence I had cooperated with the bank a lot but as I got calls today Mr. Rajnesh Sarin directly told that this fault is not from banks side as he wants to indicate directly the delivery of the credit card in the correct hands is not banks responsibility and ones the card is handover to courier there is no responsibility lies with bank that credit card is handed over in right hands or not.
9) As per his statement any personnel working in courier services which banks are utilizing for card delivery is authorized to misuse the card if he/she requires.

I am having a HSBC credit card, I have never used it, still this month i got a statement showing balance due of rs. 2,000.