We are writing this complaint in regards to a commercial that airs during the MSG broadcast of Buffalo Sabres hockey games. We find it very disturbing that HSBC would put a woman on television telling a demograph that it is entirely acceptable to state that it took her 3 months to love her child. While we're fine with her saying.."i didn't want to be a mother", the rest should be deleted. Thank you for your time, and we hope you fix this. Sincerely,
Every Concerned Parent

Sir

A sum of Rs.10, 658 was debited to my Credit Card by HSBC bank without my consent. I have also not signed any document for this. When enquired I was told by the bank, that based on my voice message with a third party (TATA-AIG insurance Co) they have debited my card account. I have not given my consent to any body.

I want to one thing. "Can a bank (HSBC) debit a card holders account based on the voice message of the card holder with a third party (TATA AIG), without the consent of the card holder". Is this allowed as per the banking rule ? Can I lodge a formal complaint with Reserve Bank of India ?

Kindly advise

Thanking you


With ward regards
K.P. Suresh

Dear Sir,

I have below complaint with HSBC bank, G.K. I Branch New Delhi.
1. I maintain a salary account with Zero balance facility with above bank branch from November 2008. The account was open by them by reference from my employer ATICO OVERSEAS LTD.
2. Till 7th September 2009 they treated above account as salary account with Zero balance facility but on 8th September they debited my account for INR 1103/- as a levy for non-maintained of Average quarterly balance of INR 100000/- per quarter.
3. Due to above effect since balance in my account went below the amount for which one of my cheque was issued- it bounced & they further debited & charged me INR 303.30
4. When I contacted their call centre & Nodal office in Chennai – first they asked to liaise with my HR dept. –which I did but according to him –till date he has not received any communication from HSBC about the removal of our company from the waiver list.
5. I presume that it is duty of HSBC bank to inform us about if there is any change in status of the account. Since November 2008 till August 2009 - every month my account has been credited with salary. So, it was treated as Salary account by HSBC as they did not levy any charges for non-maintained of Average quarterly balance of INR 100000/- per quarter.
6. A letter was sent by HSBC to me on 2nd of September about the charge without mention of change of status of account, however they have charged me for quarter – April- May –June 2009—it is total breach of contract as a customer. I should have been informed on onset of the quarter from which above change was done and not at the end of it as it .

This is arbitral and total mistake of HSBC part & hence, request you to take this issue with HSBC bank and credit INR 1103/-(for charges of non-maintenance of quarterly balance) + INR 303.30 (Cheque returned due to charged above & balance gone below the cheque amount)= Total INR 1406.30

Also, penalty of INR 5000/- must be imposed as non-adherence to banking norms so that it can be a lesson for them in future.

Thanking you
Janak Prasad

A couple of months ago I went traveling around Western Europe. Before I left I personally walked into my nearest HSBC branch and informed them of my travel plans, told them where I was going and that I would be drawing money out from lots of different ATMs as I paid for youth hostels and the like. I asked if it was necessary for me to get a separate account for use abroad but they told me my existing one would be fine.

What was initially a problem was that HSBC do not let you check your balance on ATMs overseas (at least not at any of the ones we tried to) which seems ridiculous because if you were to become overdrawn then no doubt they would put huge charges on you.

Later on I was staying in a relatively isolated Spanish village a good hours drive away from any large urban areas and my bank card refused to take out any more money. I phoned HSBC and after putting me on hold for long enough to listen to 6 different songs (including Stereophonics, Madonna and Justin Timberlake and Sting to be specific) they put me through to a man who told me my card had been cancelled for suspected fraud and erratic spending behaviour.

This was a massive inconvenience to be because I only had access to my HSBC account abroad, but in fairness perhaps I should have had a back up plan or another account to prepare for something like this happening. However, it was less the fact that they cancelled me card without telling me and more that their advisor on the phone told me to wait 5 minutes and he would call me back with advice and then never did. I was shocked by this, because I had told him clearly on the phone that I was stuck somewhere with no money. In actual fact I had a friend with me who could let me borrow some but if that had not been the case then the situation could potentially have been very serious (I am a 22 year old female).

Furthermore when I finally came home and went into a local branch to enquire about my card, the advisor there told me it appeared to be working fine on their computer system and they had no record of it being cancelled. They then refused to let me withdraw any money while waiting for a new card unless I brought in my cheque book.

I would also like to point out that the friend that came with me had an HSBC account but didnt use it abroad because HSBC are particularly expensive to draw money out. He also told them in person that he would not be using his account for a couple months while abroad but then they phoned him up while we were away and told him they were going to close his account in 3 days unless he paid in a minimum of £150. This seemed entirely unreasonable since the lady in the local branch had told him that it would be fine to not use his account for that period of time.

I cancelled this card over a year ago, I do not owe this company, they have contacted equifax, experian, TransUnion with my having a balance over 120 days over due. I have not charged anything, I do not have a card. They have ruined my credit. This company is using fraudulent charges. This card was cancelled over a year ago, I have talked to and e-mailed this company that I was cancelling the card to no avail.