I am Arti Kulkarni and I have two mobile phones with me. I am getting regular calls from Credit card...
I have taken a car loan from hsbc bank. My last installment was due on 05 April 2007., and i have paid all the installments of my car loan still my NOC has not been issued by bank. More than two months have been past still i have not been issued NOC by hsbc bank.
I am a customer in HSBC Bank, I have an account and 3 credit cards from the bank . My account is [protected]. well in March 2007 I have decided to cancel all my cards and account, due to the reason that i was not satisfied with their service. I have paid all my outstanding . Then on March 14, 2007 I have sent an official letter to HSBS Customer Service Manager asking to cancel my cards. They have called me back and assured that they have canceled it.
Well just few days back for some strange felling i have called through the phone banking system of HSBC and was shocked by hearing that on each card i have an amount of 200 DHS fee , which is yearly fee for the cards renewal. I again spoke to a phone banking officer asking him why they haven't been canceled? he had no answer, was rude, and assured that again someone will contact me from the bank. But unfortunately no one did.
I have been trying for over a year to get HSBC Mortgage to correct my account. I have faxed and mailed copies of all payments they say haven't been paid. They're saying I'm four months late. I paid almost $1,000 in late fees that I didn't owe, also HSBC didn't credit me my annual insurance, and tried to triple my payment for that as well. I had to fax copies of my canceled check and also have my Insurance Agent call them before they'd correct it. This has ruined my credit, that's all I have, I'm a widow at 49, three children, with no life insurance to help and lots of bills. I'm sinking and dying fast. I've always done my best but I can't make it without the help of my once good credit. I don't have any money at all. HSBC says their records are right, how can they do this when I have concrete proof of payment from canceled checks and bank drafts? Any suggestions?
I purchased some ornaments on some shop on may 26th costs 7,600, but my bill generated with 12,600 and i asked to HSBC credit card dept they first told that merchant did another transaction on 2nd 4th 7th of June with out my involvement. Next time they told that due to some technical problems they (hsbc only) did that extra transaction. I asked about bill generation and they told that wait for 3 more days.
Can anyone suggest what to do. After bill generation i must to pay the whole amount na.
It seems that Credit card companies are ripping the user of their cards. I constantly have to watch for their...
Dear members of complaints board,
Myself abhay agrawal age 29 yrs, working in a mnc as an area sales manager – gujarat. I had one complaint against hsbc credit card.
I had applied for hsbc bank gold card, two executives have visited my office (at indore) and bank has sent me two different gold card. but I had chosen one gold card [protected]. I broke second card & drop into hsbc bank cheques collection box. at the time of form filling sales executive has committed me that this card is life time free card. I received card on 30th august 2004 with credit limit of rs 50,000.
From 1st sept’04 to 30th august’05 there were no problem, I was using card smoothly & paying timely. my billing cycle was 7 to 6 every month. on 7th august’05 to 6th sept’05 statement bank has charged 2000 annual fees & appx rs 141 other charges. I called to customer help line and after discussion with tele officers he assured me that we will reverse amount in next statement, please deposits balance amount & use card without any hesitation (as per statement due amount was rs 6141 so I paid rs 4000 by cash 8 * 500 = 4000 on 22.09.05). as per bank difference between dues & paid was rs 2141.
Next month I only use rs 569 facility from bank, but in next statement annual charges has not been reversed and total outstanding went to rs 2884.75. I again called to customer help line, again officer assured me that this will reverse 100% in next statement, pls pay balance amount. I paid rs 570 (which actually I was used and have to pay as a genuine customer) by cash on 18.10.05.
But in next statement again annual fees was not reversed and total dues amount went up to rs 2395.67. this time I called on customer help line & asked about discontinue my card facility. tele officer advice me just broke the card & drop it on cheques collection box of hsbc bank, your facility will automatically discontinue. I did exactly same.
But statement is coming continuously and dues amount is growing every month.in between I shoot mail to hsbc customer care helpline also, but nothing has changed. and as per latest statement total dues amount is appx rs 6800.
Now collection agents are coming to my house (indore) & calling regularly, they are using abusive language with my family & parents. I am also using icici bank credit card from 29th march 2003 and in span of last four year, not even a single time I faced any problem with icici. I am very regular about payments and using credit card as an additional facility provided by bank.
This is just cheating with customer, coz at the time of form fill up executive claim something, and in reality bank did differently.
One of your bank agent called me over the phone sometime back regarding "CREDIT COVER" and I declined the offer. Despite that around Dhs.25/- was deducted from my credit card account [protected]. Then I called again 8004722 and spoke to another of HSBC agent; I was assured that it will be returned back/ revert to the credit card. The assurance was false, again around Dhs.25/- has been deducted and to sum up these unapproved credit cover deductions have taken the credit card account over the limit.
I demand that since the credit cover deductions from my credit card unapproved and unauthorized by me (HSBC Customer) and the resulting credit shield deductions (Around AED250/-) due to the deductions - must be credited back to my credit card account. Kindly ensure that my request is attended immediately in order that it abides by the Central Bank rules and regulations.
Awaiting HSBC positive response soon!
Usama Aziz Khan
3 to 4 times a day, 7 days a week keep getting a phone call from [protected] (HSBC) on my cell phone. When I...
I get 8 calls a day, even on Sunday from HSBC, they are for my daughter who does live here... who can I call to stop these calls?
This is bhaskar rao mylapalli from hyderabad. I have preclosed my hsbc personal loan and even after that monthly emi has been deducted from my bank account. I have suffered a lot with this irresponsible transaction done by hsbc. due to this reason cheque worth rs.6692/- that has been issued on my credit card was bounced and I could not pay my credit card and other bills on time. I am facing a lot of financial problems due to this wrong transaction.
I took personal loan (a/c [protected]) rs.3,30,000/- from hsbc, hyderabad branch in the month of april 2006. I met the hsbc representative on 5th feb 07 and I gave him a uti cheque (no:811042) worth rs. 3,12,363.00/- as per the loan foreclosure calculations he gave me. after receiving the cheque, representative said that it would take 5 days for cheque clearance and 10 days to get a noc letter from hsbc. loan has been closed on 10th feb 07. and monthly emi rs.7936/- has been debited to my bank a/c on 12th feb 2007. I called hsbc customer care on the same day and she said the amount that has been debited would be credited back to my account within 7 working days. this is not happened till today and even I didn't get pre closer letter.
Fyi: if hsbc representative had tell me that monthly emi would be deducted even after closing the personal loan, I wouldn't try close the loan and will close it after emi get deducted from my bank account.
I live in Vikas Puri, New Delhi-18.I took a personal loan from HSBC Loan A/C No. [protected] for 5 yrs. On 9th dec. 2006 i made a request for a pre-closure of my personal loan a/c. I was told that on 15th the letter has been dispatech to my emailing address. But till date i have not received the letter. I know the HSBC'S intention behind this ,is to get more and more interest against my loan as i wanted to close the a/c quickly.
When i visited the punjabi bagh branch on 23rd dec, 2006 without the pre-closure letter they refused to accept it. My complain was again registered for the pre-closure letter and i was told that they will get a feedback on this complaint by 31st dec,2006. That mean that i have to pay the interest as well till that date or beyond the date when i have the pre-closure letter in my hand.Even when i have cash in hand and i wanted to close the a/c on 23rd dec. as well when i went there with the cash, i can't do anything. I am trapped here. Stay away from HSBC!
I have a Best Buy card through HSBC that I have been paying on for 3 years now. I usually pay double what is owed every month. With very little exception, I have paid on time. December of 2005 I switched back from sending checks to electronic payment through my bank. My minimum payment of $19.00 was due on 12/03/05. They state they did not receive my payment until 12/08/05 (I believe they received it, they just did not process). They charged me a late fee of $29.00.
For the sake of argument, lets just say that the fee WAS correctly applied. My next due date was 01/02/06. The total due (because of the late fee) was $53. The payment that they received on 12/08/06 was for $50. I sent another payment that they received on 12/28/06 for $43.44 which brings the total received to $93.44 when only $53 was owed.
They charged me a late fee on 01/02/06, even though they received $40.44 more than they state I owed them! During this time I was unable to receive mail so I did not immediately catch their mistake. I simply kept making payments. My monthly payment should have been $19.00 each month. My next due date was 02/02/06, and should have rightfully been a $19.00 payment. They received $40.00 on 01/19/06. Yet again, they charged me a $29.00 late fee.
I paid them double what was rightfully owed every single month, but they kept tacking on a late fee every month! Now, by the time I have fully realized THEIR mistake, my "minimum" balance due is around $200! I have paid them over $280 in the last 6 months, and my balance has actually INCREASED!
I wrote to HSBC and explained the situation, gave them the dates and amounts paid (which was taken from THEIR statements once I was able to check them online) I received 3 letters back from HSBC.
The first letter stated that my account was billed approximately the 8th of the month. Ok, thanks for that. The second letter stated "We are unable to honor your request for a late fee waiver at this time. The total minimum payment is due on or before the payment due date appearing on your billing statement". No kidding, and you received $40.44 MORE THAN THE MINIMUM and STILL charged a late fee.
The third letter stated "We are unable to comply with your request to delete certain information from your credit report. HSBC reports information that relates to the actual credit experiences we have had with our customers". Baloney. They are trashing my credit because of their mistake. Even in the face of absolute proof, they refuse to correct their mistake.
This company needs to go away.
I had approached HSBC in Bombay for a personal loan. Upon approaching them, they promised to get me the loan within two days and the lady officer gave me a list of documents which I was supposed to produce. After submitting everything I waited for the verification process.
The verification process took forever but somehow got completed. Later after 1 more week I was asked for more documents - like no objection certificate from my Uncle in whose house I was living. Then one more period of waiting after which I was asked for my Form 16.
This process lasted more than one month and finally I was informed that my loan was "approved" and a person was sent to my house to collect security cheques. Once I gave the cheques, the disbursement never came! I kept on following up with the executives and they kept saying that there was one small delay, but declined to tell me what it was. After 15 days I got exaseparated and asked for my chqs back. It has been 10 days after since incident they have neither given me the cheques back, nor have they disbursed my loan.
I would advice any sane minded person to refrain from approaching an unprofessional bank like HSBC for a loan.
I have a credit card of hsbc. I had been making my payments on time till I got transferred. I informed my change in address to call center but I did not receive any statements for 4 months.in the meantime I was constantly following up at call center.in the meantime hsbc did not send me any statement and started charging late fees to which I objected as I had a right to information before paying my bills. now I wish to finally settle my account but hsbc is again lingering to take payment from me and constantly changing statements. I am willing to pay anytime in a single shot to hsbc. I am fed up with the way these guys are working!!
Since statement of my credit card is generated on 16th on every month, so I haven't yet received my this month statement which could be a cause of late payment.
This started with my account having AOL being charged to it and wanting to stop payment. I was in Iraq for a year and thought that my AOL account had been closed, however it was still being charged to my card. I attempted to contact AOL to stop them collecting the fee for a service I was not receiving. Due to not having the phone number or the screen name, I had a problem trying to get them to talk to me about the account. I then in January called Household Bank to stop payment. They told me I would need to try to contact AOL and work it out. After trying for a couple more months I then called back and explained in detail what was going on. I was told at that time they would place the account in dispute ( this was March). The next month I noticed that I was still being charged for this and called again. I was told that sometime it took awhile to put this into dispute and to stop payment, however I would have to pay or it would have a negative impact on my credit. The next month again, it showed up on my bill and again I called. I was told that there had just been an error and they would get it corrected but unless I wanted to have it impact my credit I needed to pay. In June I was able to get a different phone number from their web area to get thru to AOL and finally was able to have them stop. I told them of the problem I was having and they stated that I should have contacted my credit card if I had a problem with getting thru. I then called back my credit card company and told them this and they stated that I just need to keep paying my bill or my credit rating would suffer. I stopped paying them. They show me as being late for the account and they keep sending me bills. They have sent me letters stating that they have put the account in dispute (4 of them were dated for the same day with different numbers). They stated that they had arranged to have HSBC, AOL and myself talk over the phone and this was sent out on 09Oct2006 however I never received this letter.
The just of all of this is that I just called [protected] this last week and was transferred twice trying to get thru to a supervisor, I was told that my account would be credited the fees of $90.00 however, the credit report that shows me late and part of the money still stands. I was told that “If it is not in writing it was not in dispute no matter what was said to you over the phone.” They went on to tell me that they could tell me anything but if it was not in writing, it was my problem.
Card Issued by HSBC Bank Nevada, N.A.
One HSBC Center
Talking to HSBC
P.O. Box 80053
Salinas, CA [protected]
I have written and tried to cancel HSBC credit card for the past 3 months. I continue to be sent statements for payment and late payment charges. I have not seen or ever used this credit card.
My son put a contract on a house and property for sale by caldwell banker agent representing hsbc the end of june, 2006. the contract was accepted and ernest money put down. my son paid the $400 for the appraisal and waited. now, the end of october, he is still waiting. as it turned out, there were leans against the property when it was put up for sale...in essence, it was sold 2 times in one week. it was finally determined that the back taxes were owed and that the owner, hsbc, would pay the taxes. now after the loan and appraisal have expired and cost my son more money, the back taxes have not been settled. we are told that the seller is now negotiating the penalties. my son loves the house, even though it will need costly repairs (more money in escrow for necessary repairs). we just want to be able to close on the house, so he can move and quit paying rent. he has passed up several really good buys waiting for this property. what can we do? this is very frustrating and my son is the one who is out money. yes, he will get his ernest money back, but not all of the other fees which are adding up. help!
Aig stated that my husband filled out a credit card form for me with hsbc to receive a master card. today I received a call at work from hsbc for late payment. once I inquired about it there were charges from aig (hsbc's insurance provider). this appears to be a scam. aig is pretending to know about the charge and pretending that my husband verbally ok'd the insurance (which he never did) and hsbc is charging me (including late charges) for a service from aig (their partner) that I never approved.
Hsbc refuses to cancel the charge based on my husband's phone call. aig refuses to cancel or credit my acct based on my phone call. so both of them acknowledge that the master card is in my name and not requested by me and that the insurance is supposingly requested by my husband and not me.
The operator at hsbc stated that there are hundreds of complaints and that's why I can't get through. I wonder why.
Aig claims that they will credit me for the $51.90 charged and hsbc's billing office is now closed (the operator did not know... i've been on the phone for 2 hours). however, the bill is for $83.90. hsbc's operator says to call back in 2 days. hopefully this will be resolved. but, I still feel this is a scam.