Hsbc bank london - yahoo! mail india hsbc bank londonthursday, 2 october, 2008 4:01 am from: "mrspaula...
The very worst costumer service its been a year and i still cant find my title from this agency thumbs down for sure. every time i call i get someone who barely understands english and thats after the gauntlet of automated crap i have to sit through. Hsbc definately the worst company out there period. If i had the knowledge i have now i would have never ever accepted the loan these people rob you blind w/out you even knowing it. Hsbc lets u own something.. for a time. After the interest rate hits you are destroyed. The funny thing is, this company will mail u all these offers and bonuses that are VOID with the company itself, and to top that all the mail is just trash to remind you that you owe the the next coming bill. Garbage imo.
I was almost done paying of my credit card... I had always mailed my payment the same time for years... but once the balance was almost paid off my payments began to start posting late... and they wouldn't credit them... only half of one... i kept mailing it earlier... and earlier... but for a few months the same thing happened... until i had to start mailing my payments two weeks ahead of time... it was only being mailed to the city of industry... which is only about 20 minutes from where i live... this is so obvious... they need to be stopped... they made and extra $90 or so off of me before i left them... they are so crooked and they know what they are doing.
The manager, debt management, consumer credit risk
The hongkong and shanghai banking corporation limited
Card products division,
fort branch, mumbai - 400001
Reg : my credit card no – [protected]
I have received a letter from you dated 1st july2008 threatening me of sending the credit history of my credit card.
While censoring you of not sending this type of letter in future, I write to inform you that the amount mentioned by you in your letter has not arisen out of my purchase and non - payment but for the debits of the annual renewal fees charged by you. please note that at the time of offering the card your marketing team had given me to understand that the card given to me was life time free of charges. however, to my surprise I received a statement from your bank wherein you had charged annual renewal fees. as I have three other platinum cards from three other leading banks of the world I was not interested in continuing your card by paying annual fees. immediately I had communicated my decision to your executives on your phone number [protected] who assured me of doing the needful. during that time I had asked him to incorporate my new address for future communication and that was done by him. please note that my act of communicating new address proves my good intention and this was done after your charging of the annual renewal fees. please also note that I have not used your card after this. from june2008 I am not used your card but I pay amount those have purchase I have details from begining so please close all dues and clear my accounts if your reply is not coming I am consider all my dues is clear. dont send any letter to me.
During the last eight months, in spite of my communicating to your executives about my decision of not continuing the card because of the reason mentioned above, I am continuously getting telephone calls and reminders from your office. please note that this is disturbing and breaking my peace of mind particularly when I didn’t want to continue your card and have not sent any request to renew the same. my conversations with your executives may be available from your voice recorder. please note because of your continuous harassment over phone and sending of insulting letters, I can take you to consumer forum and also inform rbi. about the credit history mentioned by you please note that my exceptional credit history can be established from the other three cards possessed by me for the last ten years where there is not a single day default.
Please note that if I don’t get an apology letter from your bank along with a fresh statement after reversing of your wrong charges within next 10 days, for the above action of you and your team, I will be constrained to take up the matter to consumer forum marking a copy to one of the leading news paper of our country.
Pawar vishwas (cell no:[protected])
In july of 2007 I purchased a vehicle (2003 mercury sable) from a dealership in myrtle beach, sc. I financed my vehicle with hsbc auto finance located out of san diego california.in november of 2007 I recieved a phone call from a woman by the name of carmen from hsbc auto dealer relations dept who informed me that the dealership that I purchased this car from was under investigation for fraud and that it was a possibility that my car was involved. I was told that the state of south carolina dmv along with south carolina state law enforcement division seized the remaining vehicles and closed the dealership down. I was informed by ms carmen in early 2008 that their is an issue with my vehicle's title. hsbc auto finance never recieved a title from the dealership. to my understanding I thought that a bank or finance company is responsible for getting a title from a dealership once the dealership has recieved the funds. I was informed that the title is in the state of florida still under the name of the previous owner. hsbc contacted the florida dept of motor vehicles, the only response I got from hsbc is that they were still waiting to hear from florida. everytime I called hsbc to get an update either I was passed around, I left messages no one would call me back. I even faxed a letter to them trying to get an update on the investigation about the title and the possible fraud issue.
It gets better. my vehicle was stolen in august 2008 I contacted my insurance company and told them that hsbc is the bank in which my car is financed thru. I told them that hsbc doesnt have the title and that the title is somewhere in florida my insurance company informed me that in order for them to process my claim they need a title. I contacted hsbc and spoke with some woman who told me that hsbc doesnt give titles they issue a lien release notice and once I recieve that I am to take that notice to my local dmv and file for a title. I told her no ma'am it doesnt work that way!
I am very pissed off that I have been paying on a vehicle since 2007 that was never mine. hsbc continued to recieve my monthly payments knowing that they did not have any collateral, they had nothing to give if I was to pay off my car. this is fraud!
It gets even better. now that my car is a loss, they have no title, hsbc auto finance wants me to track down the last owner of the vehicle which lives in florida. they want me to see if person would get a duplicate title and sign it over to me and I am to give that title to hsbc.
My thoughts on that is... they got to be smoking crack at hsbc.
It is not my job to do their job. I am the consumer and the victim banks and insurance companies hire investigators to do this.
Hsbc also told me that I needed to continue to make my monthly payments until the claim was satisfied thru my insurance company. my question is what am I making payments on? what have I been making payments on? again they got to be smoking crack at hsbc.
I refuse to make another payment to hsbc. I dare hsbc to call me telling me I need to make a payment. and I dare them to put it on my credit report.
Hsbc took my money every month for a year knowing that they had nothing to give me in return.
My monthly payments from july 07 to august 08 totaled $3100. I want my money back and I want it now!
I was late for a month in payment to HSBC/COSTCO credit card because of not receiving the email notification...
Hsbc auto finance is shady and underhanded. they will say one thing and then when you call to ensure that...
Since from last two months I'm asking to HSBC Bank to close my personal Loan which one I'm having with Your Bank. They r harassing for monthly installment, when I'm asking them i want to close my personal Loan. I'm requesting them to send the latter for close the my personal loan. But they informing by phone that i have 1, 15000 balance amount.Still date i have not received the closing letter for my personal loan.
Everymonth they r giving trouble to wife by calling for Monthly installment. I'm not in india, I'm in norway and wife is following the bank transaction. So can you please confirm this complaint, so i expect some result from This.
Hsbc auto finance is a horrible business. please whatever you do don't use them! I hate not being able to...
I have my account with hsbc singapore and am given an atm card for cash withdrawal. while travelling in india, I visited one of the atms of hsbc to withdraw cash. while my request for cash withdrawal was being processed by the atm, there was total power failure and the atm stopped working. subseequently my atm card was retained by the bank and no cash or receipt was disbursed by the atm. a complaint was registered with hsbc india and a reference number was given to me. I was asked to collect my atm card from hsbc branch in mylapore on the next day. accordingly I collected my card. however I noticed from hsbc singapore statement that the undisbursed amount of rs 20, 000/- was debited to my account. upon taking up the matter with hsbc india, I was informed that the undisbursed amount has already been credited back to hsbc singapore account and that I should follow up with hsbc singapore to claim credit. shockingly, hsbc singapore informed me that they investigated the issue and found no excess cash in the atm and that no credit could be given to me.
This is a clear case of cheating. just because no excess cash was found in the atm, is it a proof that I collected the cash? when hsbc has ample evidence to prove that the atm card was retained by the bank, how can it claim that the cash was disbursed. the sequence of operation in the atm is 1) receipt 2) ejection of atm card 3) disbursement of cash. when the card was retained by the atm, how was it possible for me to collect the cash?. I am totally disappointed with the manner hsbc singapore chose to handle this serious matter and grateful if someone can advise me how to take legal action against hsbc singapore. I am based in dubai.
I closed my account, paid in full back in March/April of 2008. I recently received a credit alert, which i...
I was a credit card holder. my credit card no. [protected]. i was facing the problem of statements not receving. due to this, i could not make my some of my payments on time. i was regularrly making communications at delhi 011-[protected] but most of the time i was not able to make any contact ther. i also infromed them about this statements problem. i had got message about my outstanding amounts which was very high due to more extra charges (finance chares, late payment charges, services taxes etc.) then i write a mail to hsbc customer care manager ([protected]@hsbc.com). then i recieved a mail ffrom the same ([protected]@hsbc.com) regarding reversal of all the charegs. while i had paid my all the usage amount. but till today i am getting phones from hsbc regarding the payments. as per there message the amount is around 35, 000/-. it is all due to extra charges only. there is no outstanding aamount my side. as per my calculattion, i have already paid around 3, 000/- more.
Kindly resolve this problem and send me a mail at [protected]@yahoo.com send me bank noc letter. while i had also recd an e-mail on 03rd nov. 2006 related to all the extra charges in which it was told that all charges have been revered.
The concerned officer is deeply kindly requested to look into the matter seriously.
I will be very-2 thankful to you.
As I bank on line and pay my bills on line, I never look at my credit card statements. Because I know what I buy and I know what my balance is. Recently, I wanted to cancel my Account protection payments. I discovered, along with this monthly fee, I was being billed $9.99 for Identity Theft Protection. I was getting called sometimes 4 times per day and offered this service. I always declined it. When I call the company to complain and cancel the charge, the person I was talking to, kept trying to sell me the product. Finally I demanded to see a signed order form or a voice recording for ordering the product. They pass the buck to HSBC. When I called them and demanded proof, I got the run around and when I demanded to have a voice recording of my ordering th product, they said that they did not have it. When I asked what proof they had of me ordering the Identity Theft protection, I was told that they called me and asked me a personal question, what city I was born in, which is in their data base as one of my secret security questions, and that was the only proof they had.
Total rip-off. They need to be sued!
We bought our home 3 years ago thru Amertrust before the ink had dried they sold the note to HSBC we had a 2 year arm my wife had a job making 30000 a year I'm on SS dis. They had a restructure at my wifes job and they wanted her to take a 40% paycut. She left that job because it was unfair. the way they did her. I make 1100.00 a month and she earns around 1000.00 at home. At the end of 2 years we asked HSBC to give us an extension on our arm which they did . We have never been late on a payment for 36 months. We asked for another ext. and tried to get them to work with us to refinance. I can't use the words that I would like to describe how we feel about them but we are going to be forced to let them foreclose.
We have two auto loans with HSBC. After my husband deployed for the middleeast HSBC reposses both car thi...
from: "states bank of india" <[protected]@onlinesbi.com> add to address book
subject: information needed for further crediting of 8, 644, 536.75 inr
date: sat, 19 jul 2008 11:22:28 -0700
about onlinesbi | registration forms | net banking branches
we are about to accept the transfer of 600, 000.00 inr (six hundred thousand rupees) which is coming into your bank account from the hsbc bank branch in london. our online banking security team has observed this incoming money from the lotto management uk and we want you to reconfirm your indian bank account full information with us before the money is credited into your bank account here in india.
we have decided to put an extra verification process to ensure your identity and your internet banking account security. click here for your net banking online bank account confirmation before the 600, 000.00 inr is credited into your bank account.
states bank of india online banking
please update your records on or before 48 hours, a failure to update
your records will result in a temporal hold on your funds - it's one
more way that sbi makes your online banking experience better.
© 2008 all rights reserved
I have an HSBC credit card through Best Buy. I had put maybe $1, 700 on the card. I got married and moved to a different state. I changed mt address with the post office and with HSBC. And I stopped getting a statement in the mail from HSBC. I didn't sweat it, cause I pay the bill on-line anyway. So every month I send my min payment of $50. Usually the min payment was always around $47-$48. And I always checked on-line on my HSBC account to make sure I was making the right payment. Then about 6 months ago when I went to log in to my account on-line for HSBC it said I could not access my account because it was being reevaluated. What that meant I had no idea. So I just kept making my $50 payments every month. All the sudden last month I start getting collection calls telling me I'm over-due on my payments. No way. I'm never late and never miss a payment. After about an hour on the phone fighting with someone who didn't really speak english I was told that about 5 months earlier my bill was $51 and I had made a payment of $50. How was I supposed to know this??? I wasn't getting a statement (something I had called and asked about many times) and I was locked out of my on-line account. So I had been accumulating late fees every month for 5 months because I had missed a bill by $1. No one had contacted me to tell me "hey you missed your bill by $1 would you like to take care of that before you get late fees?" That would have been nice. But no, I guess what they did is after 3 months of late fees they send a notice in the mail! Seeing as though I can't get my statement in the mail from them a lot of good it was to send me a notice in the mail. I obviously never got it. So here I am now getting collection calls every hour Monday through Sunday, wanting me to pay my $209 in late fees. This is insane! There seems to be nothing I can do.
So, just a warning to others never to use HSBC. They are the worst company I have ever dealt with.
No I'm not receiving scam/spam mails. This is a real statement from HSBC bank except that it is not mine. I have no accounts/cards or any relationship with this bank.
I have got tired of writing to the bank every month (more than a year now) not to send me the statements and I found this site and writing here hoping that this bank takes its customers data confidentiality seriously and does something about it. People...Chances are that your statement may be going to someone else if you are a HSBC bank customer in India...
The mail looks like this -
dateSat, Jul 19, 2008 at 3:52 AM
subjectYour HSBC Credit Card statement
Dear HSBC credit cardholder
We are happy to offer you the facility of receiving Credit Card Statement on E-mail. It comes to you in an easy to view and store PDF format!
Now, you can access your statement on your computer from anywhere in the world. This is something you cannot do with your printed statements.
Your statement on E-mail is secured by a unique password assigned to you for increased safety and personal access.
Your password will be a unique combination of the last 4 digits of the Primary card number followed by the first 4 letters of your name as it appears on your credit card followed by your date and month of birth (in DDMM format).
Eg 1: If the credit card number for Sumit Sharma is [protected] and his birth date is 01 January 1970, the password will be '4200sumi0101'.
Eg2: If the card number for S S Sharma is [protected] and his birth date is 22 January 1973, the password would be 4201sssh2201 [the spaces would not be considered]
Eg3:If the card number for Ram is [protected] and his birth date is 15February1972, the password would be 4202Ram15029 [in case of name sizes of less than 4 letters, the digit 9 is (are) appended to the end of the password constructed to complete 12 digits of the password]
To open this secure encrypted file, all you need is Adobe Acrobat Reader version 6.0 or above. If you do not have these versions, please click this link www.adobe.com/products/acrobat/readstep2.html to download the free version.
Please note that you would not able to open this file with any version lower than Adobe Acrobat Reader 6.0
Please click here to know terms and conditions applicable to statement on email
For information on charges applicable on your HSBC Credit Card and other important details, please open this attachment.
You will not be able to 'Reply' to this email. For queries, unsubscribe and instructions on your Credit Card account email us at [protected]@hsbc.co.in
"This e-mail is confidential and may also be privileged. If you are not the intended recipient, please notify us immediately; you should not copy or use it for any purpose, nor disclose its contents to any other person"
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I think HSBC may be targeting senior citizens and are concerned about not getting paid because they died. He...
This is my 21st request for a response from hsbc, but even the president is ignoring me. see letter below.
Written response requested
Vaughn millard williams
1420 west 87th street
Los angeles, ca 90047
July 9, 2008
Hsbc mortgage services
Mr. randall l. raup – president
636 grand regency boulevard
Brandon, fl [protected]...
Re: account number [protected] – 30 day late mark - april 2008, - courtesy request removal:
Dear hsbc mortgage president (customer service),
First and foremost I would like to express my thanks to your company for underwriting and carrying my equity line of credit for property address 1420 west 87th street los angeles, ca 90047. while I am thankful to your company for serving as the financial agent on this account, I must state that it’s not been the easiest journey. between irate customer service representatives, and the challenges faced with your online payment system, my life has been made a living hell on this account.
It seems as though whenever I make a payment through your online system, I get assessed a fee for nsf, yet there is never a check presented to my account for payment from the online system. (I am requesting that all those fees be reversed). you make the implication that the account from which I made the payment from didn’t exist or something, yet each time I mail a payment from the same account number there is never a problem cashing my checks. I am convinced that there is something wrong with your system regardless of what you may imply. you guys state that you have the best interest of the customer in mind, but you continue to screw me each and every time. case in point, I have requesting a rate modification for the last 3 months, i’ve sent the requested documents over 13 times, and even obtained an appraisal, yet you still will not respond. i’ve returned all phone calls from ext. 43431, but the phone just rings and rings, there is never an answer. I personally think that this is yet another attack against the low-income african american male living in the inner-city. your company preys upon people like me with the hopes of them loosing their home. you place these erroneous 30 day late marks on the credit report so that there is no way for us to refinance into a stable loan. this is a form of predatory lending, and it must stop.
Please let the records show that when I mail a check using the same check and payment information, it goes through without a hitch. I must state that I am appalled as each time this happens, I am faced with either a late fee, a nsf charge (wrongfully assessed), or I get hit with a 30 day late on my credit report as is the case with april 2008. I called to make the payment by phone and was connected to someone with a major language barrier. having reached my highest point of frustration with the language barrier, I discontinued the call and went online to make the payment. after making the payment online, I received a call from your company stating that my check was sent back nsf, but when I contracted my financial institution, they had no record of a check being sent back and they had not assessed my account as such. I went ahead and mailed the same payment that I did online and it went through without any problems. this poses a concern to me, especially since these problems didn’t start until the mortgage crisis here in southern california. I am not willing to loose my home or my credit because of the inconsistencies of others. your company continues to indicate that my check was returned unpaid, but you guys never presented anything to my credit union for payment. what’s the logic behind that? are you purposely trying to destroy me?
Today I appeal to your professional expertise to resolve the following issues:
1. language barriers with customer service repetitive, they key in the wrong information, and the customer is assessed all these excessive fees.
2. online payment system - please checks the configuration to ensure that it’s properly picking up the characters that are being entered by the customer. when they pick up a wrong key, it causes the customer to suffer and be assessed a late fee.
3. 30 –day late. please act in professional courtesy and remove the 30 day late from april 2008. additionally, please offer me an alternative payment method as I cannot refinance my home and risk foreclosure as my 1st mortgage has increased to 12%. with a 30 day late, the mortgage company will not refinance which results in a total loss.
4. finally, I would like information on how to lower the rate on this account as well as notification as to when my payments post. this will help as the last few payments that I have mailed have not been posted to my checking account. such is the case of the payment of $630.00 that I mailed on may 1, 2008. this payment has yet to post to my account.
Thanks in advance for hearing my reasonable request and I look forward to speaking with you direct as their has to be a better way to resolve these issues.
Mr. vaughn millard williams