May 27, 2009 04:47 PM
2982 Views
I have had a very bad experience with this bank's credit card section for the past one year. I had a card for which I properly paid bills and maintained usage for two whole years, but unfortunately one month when I was travelling abroad I missed paying my bill and they closed down the card abruptly. Meanwhile , trying to maintain my credit rating I deposited the cheque with them even after the card was cancelled and though I was out of the country.
They said the cheque was not received for a long time and I deposted another cheque (my mistake) and they cashed both the cheques at the same time. The bill was for 9000 Rs, I deposited one cheque for 10k and another for 9k. Until this point I have no complaint against the bank since everyt othetr bank would have done the same. But all my efforts to either reenable the card so that I can use my excess balance or to get the cheque for the same pushed me to the limit. I made numerous trips to the bank branches, wrote so many emails, submitted so many letters to the managers.
They never denied my claim since I had all the proof, but they never made the processing go through. I could sense this in every one's attitude, the person on Phone banking, the recptionist at the bank, customer support executive in the bank , the manager, noone gave me a satisfactory answer. Its been ten months ever since I am due. I still havent got my 10000 rs. I have raised a case with the RBI ombudsman claiming he money and compensation for agony. But one thing is for sure, this is not an isolated case which can be shuffled off, I sensed such ruthless behaviour from employees at every level of the bank once they realised that they have to pay me money. I never knew support people on phone banking can speak like that to customers. Please stay away fom this bank for your own peace. I shall never bank with HSBC again.
