HV RECVD A SMS MESSAGE YESTERDAY INTIMATING THAT CASH LIMIT ON CCARD ENDING WITH 2783 HAD BEEN REDUCED TO ZERO.SURPRISINGLY ANOTHER SMS HAS BEEN RECVD TODAY INTIMATING THAT THE STATEMENT OF THIS CARD HAS BEEN GENERATED .PAYMENT DUE IS IRS.2725.86.WITH DUE DATE 12 JUNE, 2010.
I DONT RECALL HAVING SPENT ANY SUCH AMOUNT AND CONTACTED YOUR CCARE WHO ALSO CONFIRMED THAT THERE IS ONLY ONE HSBC PLATINUM CARD ENDING WITH 8958 IN MY NAME AND NO OTHER HSBC CARD ENDING WITH 2783 IS SHOWN IN MY NAME IN YOUR RECORD.THEIR REF NO.250520103789.
KINDLY TAKE NOTE OF THE ABOVE AS I AM NOT LIABLE TO PAY ANY SUCH AMOUNT.
MATTER MOST URGENT.

With Best Regards
W A Siddiqui
9891570556

Well, before I end the matter let me make you a brief familiarization of the incident when 03 years (or so) down the line one of your HSBC representative (by phone call) approached me for using HSBC Cards and ensured me that it's a free card and no annual fee would be charged for the Card by HSBC. Convinced by the promotional offer going then ( annual fee excempted) and much by the good name of HSBC I decided to keep one (and an additional Card). I was surprised to see that I was charged with Rs.2000/- for my Primary Credit Card and Rs.1000/- for the additional Credit card accountable to "Annual / Membership Fees".But, as you all must be aware of that now a days lot of Banks have come up who are offering Credit Cards without charging any annual fee. Even now, I've been using credit Cards of some renowned banks without paying any sort of annual fee. So, putting away your Cards will not matter me much (except that, I'll break the ties with your esteemed Bank).

I'm a hard working man and take every measures to save even a single penny. So, there is no point in carrying on using your credit Card at the cost of so called "Annual/Membership Fee" and hence, decided not to carry out any transaction from the Cards and close it.

It will be of immense pleasure if you can do the needful by blocking both the Card service at the earliest.

Regards,
Siddhartha Gupta
HSBC Cresdit Card ( **** **** 6694)

This complaint is regarding the HSBC collections department, Basavanagudi, Bangalore(At least, that is what they claim to be!).

I hold a Credit Card with the HSBC bank and I was unable to pay the dues for around 1.5 months as my nature of job involves extensive travelling, mostly to remote schools in the country. The incident happened yesterday while I'm still away at work at a place in Kerala, where there are no HSBC banks around. My job trip would end in 3 weeks and I would be back at Bangalore in the 2nd Week of August '09.

It all started with Mr.SANTOSH KUMAR, claiming to be the Manager of the HSBC Collections Department, Basavanagudi, Bangalore calling me up yesterday afternoon. He stated that "as it is the month end and they have to meet their target, I have no other choice but to make the payment for this month without fail".
As I was helpless, I told him that I would be able to make the payment once I'm back at Bangalore to which he said that I need to make some other alternative to make the payment. However, I could not arrange for any other alternative mode.

When I gave Mr. Santosh an option to send a person to collect the amount at Kerala, he collected the address details of the place where I was staying. And, I assumed that they would send someone. After this conversation, the calls kept coming in constantly from 4 different numbers(2 official numbers & 2 mobile numbers), one after the other till night, each of the other persons trying to persuade me to make the payment as they had changed their mind about sending a person to collect the money.

To my surprise, I received smses from their Mobile number stating " WE HAVE RECEIVED THE CONTACT DETAILS OF YOUR FAMILY MEMBERS FROM OUR SKIP TEAM. IN CASE YOU DO NOT ARRANGE FOR THE FUNDS, WE WOULD CALL YOUR FAMILY". [Is this Justified? How can a Bank get in touch with your family members? Isn't it against the RBI Directive?]

However, to my surprise, I received calls today from my parents who live in a different city & my spouse currently working in an other city stating they had received calls from people claiming to be associated with HSBC bank and that they were pressurizing them to make the payment on my behalf.


1. How did the Bank get their contact numbers? Their phone numbers are fairly new & the numbers were never mentioned in any of the bank documents? [I strongly sense my service provider leaking my recent call records to the Bank]
2. Can the Banks call the family members when you are still in touch with them?
3. How can the Banks intimidate, harass your family members?

Please suggest what should I do? I never mentioned that I would not make the payment.

This isn't really a complain. I just saw these complains about HSBC. For all we know everyone is hit hard because of the economic turmoil happening in the U.S. Apparently, now's the great time to use it as an excuse and be all out with complaints and everything related to it.

I saw these complaints about statements that are not received (which usually takes 7-10 business days). You can got to the website found at the back of the card and there you can view the statement. Don't blame the company if the statement is not received because first, it is the cardmember's obligation to check also with customer service is they have the right billing address (coz there are SO MANY cases that the company has the right address but it's the postal service's fault). There's human error in case there is a mix up with the mail. So don't get upset and blame the company right away. If you already know that you should be receiving a bill, don't wait til collections dept. call. Coz if you know what your responsibilities are, you have to be pro-active about that then. Oh and if you know so well that you'll be relocating or transferring to a different address, it is a cardmember's responsibility to call the card company and have that address changed.

If your issue is about finance charge. Don't get upset right away if it jacks up to whatever %. A common mistake is the terms and conditions about a credit card is not really read by these cardmembers. For example, they'll apply for this so-called promo card with "0% interest".. that'll be the perfect card for you if you're ALWAYS on time with the payments. Because if you miss a payment even for "ONCE", it's going to be on default. In other words, the PROMO ENDS.

Argh! so annoying..

I was stuffed with a credit-card by HSBC and never used it. I want to know the process of canceling it without any harassment.