I have a credit card of HSBC for which I ma facing a lot of problems. Firstly the statements didn't come appropriately then there executives call for the payment. As I stay in Faridabad there is no ATM or drop box there which was also confimed by there staff, and my workplace is in Udyog Vihar Gurgaon, from here the bank or the atm /drop box is really far which is also communicated to HSBC staff many times. They have taken time from me for 5 times to send there executives but no one turned up. Once a person came without informing that time I was not at home and obviously could'nt leave a cheque also as I was not informed only. Now the more insulting and rude part is that I get call from there chennai office no is - 04039807400 some lady called up, I said that on saturday dated:10 April 2010 also u were supposed to send someone but nobody turned, now because of all these reasons again my due date has passed and they have laid a penality of late fees, service tax etc which I am supposed to pay by 5 May. So on this I said okay then now call me that time only as already you have laid penality on me, she started shouting on me and also when I told her that I need a settlement she said we will not do incase you are so worried then you would have done the payment, you people are defaulter, no understanding of banking. We will not be settling the account and just mind your language and other similar stuff. I said that I have even called up your call center so replying she said that I am a fool that I dont know where I am calling and where is the call landing to.

Please help me in this case because I will not take it this way that a call center girl using bad language, shouting, speaking with no respect to a customer who has to pay the money. I am also using cards of HDFC, American Express, no problems with them but I don't understand why HSBC is there and who has given the rights to there executives to misbehave, take time from customers and not reaching to them.

I need a solution.

I filled out an application for a HSBC Gold Credit Card on their website. Within a week, an agent called requesting me to furnish all the documents needed for processing my application. I advised him to call me 2 days later as i was out of town then. In the meantime, Citibank came up with an offer of a lifetime free card and i chose to go with them. When the agent from HSBC called again for the documents, i advised him to cancel the request and told him that i was not interested in the card anymore as i went with Citibank. The agent told me that he would cancel my application with HSBC.

2 months later, i receive a mini card statement from HSBC on my mobile, the message read "HSBC Pre-statement alert: Outstanding on your Card no. ************8680 on 8-NOV-07 is 586.07. Pay full or min amt due of 100.00 by 30-NOV-07."

I was shocked to reveive this message and wasted no time in calling HSBC Customer Care (080 2558 9696). I spoke with Debushree and advised her of my concern - She said that card ending 8680 was indeed issued after being successfully processed. I told her that i had not provided any supporting documents needed for HSBC to even process the card and more, I had not received the Card and neither did anyone at home sign to receive the card! She was very apologetic and assured me that the card would be blocked with immediate effect. I also requested her to cancel the card.

I am still worried if HSBC will continue to haunt me by sending me bills for a card that i never provided supporting documents for and that i never actually received!!

My friends have had bad experiences with this Bank, especially with the rude behavior of their collection agents in particular.

Personally, i would never want to do business with HSBC in the near future!!