Jul 27, 2009 05:24 PM
3194 Views
If you are the independent type who believes in not learning from other people’s experiences, please continue using your HSBC Credit Card.
26th April 2009: I realize my HSBC cresit card is missing and call immediately-yes there has been a series of transactions-of amounts adding up to approx 10K, HSBC blocks the card and advices me to log a complaint with the police and drop a copy of that complaint to the nearest branch or ATM.
I drop everything I was doing to rush and do all that.
I couldn’t submit the papers to HSBC because there is no-one at the Branch on a Sunday and I was not comfortable dropping them at the ATM collection box.
//They have delayed picking up my bill payments at least 3-4 times, and have also added late payment charges, finance charges and taxes on those charges.
Yes they reverse the charges if you call and fire them and spend about 20-40 minutes each time. On the fourth instance I had asked them why they do it then-just pushing their luck and hoping we pay up?
Next day:I reschedule work b am at HSBC, M.G. Road Bangalore Branch at sharp 10.00 am( There are two employees of the Bank smoking outside a locked door-Ma’am today is a holiday-it’s Basavraja Jayanti(or something similar). I decide to come back next day intead of risking the drop-box.
28th April: I leave office early to arrive at the same bank at 5.00 pm-and learn that they close customer hours at 4.00pm. I recall my experiences with the drop box, and decide to take a half-day off the next day and come back.
29th April: I finally get to a collection counter, where the guy is not interested in listening to me or looking through the papers. I insist on a receipt; he stamps the photocopies of my complaint and the only response I am able to get out of him is that they’ll investigate and get back in 30-45 days.
For the last three months, I have been calling HSBC customer-care every week…
Ma’am your card is still under investigation. please call us in 5 working days……….Ma’am the bill is System Generated.Yes Ma’am you can delay payment for now. Yes the charges are System Generated— these will be reverted…Please wait for the investigation to be over…….Yes Ma’am, it’s still under investigation, I have logged a fresh complaint, please note down your complaint number and call us after 5 working days……….
On the other hand, HSBC had generated three monthly bills for the disputed amount levying the finance charges, the late payment charges, the taxes on the charges, the fine for not paying the minimum amount and the collection department of HSBC has been hounding me to the point that I am heading towards a nervous breakdown and recurrent asthma attacks.
I was getting an average of 5 calls per day and they were really nasty…….Yes, the System has generated my number among the defaulters…No, they do not have any “System Generated” update from investigation department…could I fax them the details.
I faxed the entire set of documents to a number given by the collection department of HSBC, and to another number for Credit Card products that I found on the HSBC website…….
I get more calls……no they have not received the fax, neither has calling customer care again helped….
I fax the papers again……
The calls continue…….
I threaten to go to the police and report them for harassment….I am very sorry, the guy changes his tone, but Ma’am your number has come to the collection department because you haven’t paid the minimum amount due…….Yes, I know the details, but Ma’am we are not even dialing the numbers manually, it is System Generated.No Ma’am, I cannot update it my end….yes you know what he said.
Meanwhile………
I also wrote to the Nodal Officer for customer grievances…the only email id I found on the HSBC website.I got a System Generated response saying I would get an update in two working days.After 6 days I wrote back asking for the update.I got the same System Generated response saying I would get an update in two working days.Same response on the investigation from the customer care number.
