Dec 18, 2007 02:55 PM
3066 Views
After nearly 10 years of usage of HSBC credit card, I must say that in last 1 year it has been an extremely unspeakable experience with them.
Brief story is - I used to get EStatement for the card. One fine day the net access stops working for me, after repeated calls to the phone banking center informing them as well as couple of times informing representatives at the main Bangalore branch, no action is taken. As a result I cant get Estatements.
Their collection folks start hounding me for payment, and I inform them that I have not got the statement, to which very promptly tell me that they will send my mail, but it would not come. Collection folks would call again, and on being informed that I have still not received the statement, they lie that they have sent it and they can see it in their outbox. Probably they operate on some other planets Internet.
This repeats each month, and each time the Bank is charging me all kinds of late payments. In frustration I decide not to pay on my card, hoping that this will wake them up and also stop using that card.
But alas, nothing every happens, each month the arrogant collection people call to repeat the same story.
So I give a call to the customer care, letting them know that I want to clear my dues on the card, provided they can send me a clean statement on my transactions, as other charges are not my responsibility.
The brilliant customer care executive - has the gumption to tell me that
a) there are no records of you informing the bank that you are not getting the statements (he cant find record of calls made to the bank informing them about not working net access)
b) he does not consider the repeated highlighting of the non-recipt of statements to their Collection folks as of any consequence
c) considers its my responsibility to inform each division of the bank - c
d) considers my grievance as 'wanting to negotiate' the dues
e) does not volunteer to transfer the call to any supervisor
Its amazing how after using card for such a long time, I am wishing that I had never gone for this card in first place. Such arrogance. I am sure that I would never recommend this card or bank to anyone.
