Apr 05, 2008 10:27 PM
5236 Views
(Updated Aug 09, 2008 04:45 PM)
Following is the continuation of the review available at the URL: https://mouthshut.com/review/HSBC_Card-139998-1.html
In regard to the following email, yesterday, I have received a letter with Reference number 08394701-02 from Mr. M. R. Bhanu Pratap, HSBC, Manager - Chargeback Operation, dated 30 MARCH 2008 regarding the disputed Transactions dated 25FEB2008 in the HSBC Credit Card No: 4476 7191.
However, on perusal of the said letter and the enclosed photocopy of the document sent to me, it appears that the reason of the said letter is irrelevant and baseless considering my dispute, also the case reference transaction date - as mentioned in the letter - and the date of the enclosed document. The disputed and referred transaction date in question is 25FEB2008 but the enclosed photocopy of the document indicates the date as 25FEB2007, exactly the same day of previous year.
Unfortunately, I do not find any reason that how a bank like HSBC can reply with such an irrelevant and baseless document. Such action does not reflect acumen of a manager that too from a bank like HSBC.
Please note that, accordingly, I have converted the police complaint into FIR and now the onus of your bank to address the issue reasonably as well as legally.
Its indeed sad that a Bank like HSBC India still can operate in this country, probably it is the reason that India is a dumping place, so whatever you dump that would be sold!
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On 13/03/2008, info@hsbc.co.ininfo@hsbc.co.in wrote:
Dear Mr. Thakur
We refer to your email dated 11 March 2008, expressing concerns regarding your credit card held with the bank.
We wish to confirm that we have noted your concern on the disputed transaction and that we have forwarded your dispute letter to the relevant department for further action. We would like to inform you that the bank would correspond with your directly on the case.
Please note that as the charges are processed electronically without any manual intervention we are unable to stop unauthorized debit to your credit card account. Should an unauthorized transaction be debited to your credit card account, please intimate us in writing within 30 days of statement generation.
Please note that it takes 30-45 days for dispute resolution.
We solicit your cooperation with us regarding the same and assure you the best of services.
Yours sincerely
Venkatasubramanian G.
Senior Officer - Customer Service
HSBC India
*UPDATE Aug 06, 2008:
*After so many interactions and wastage of time, money and suffering harassment, finally, one day I see the disputed amounts has been reversed to my account but the bank did not intimate me about my dispute in writing or ask for apology.
It was transactions done without swaping my card but made by the bank through some alternative method while HSBC prejudicually convinced me they have no control in manipulating a transaction(in view of the stated fact) but how come those transactions happened witout my card, it was not even an online transaction using CVV! So dealing with a bank like HSBC is very injurious - both financially and mentally.
They were not multiple billing but disputed billing indeed, the transactions reflected in my card exactly on the same date after one year from the date of actual transactions, so it raises a question how came a bank can reproduce a transaction exactly after one year when HSBC says, ’’Please note that as the charges are processed electronically without any manual intervention we are unable to stop unauthorized debit to your credit card account.’’ HOW COME THEY SAY IT WAS NOT A MANUAL INTERVENTION WHEN IT WAS REFLECTED IN MY CARD ACCOUNT AFTER ONE YEAR? IT WAS INDEED A MANUAL ACT BY THE BANKS.
