Hi,

I was using credit card of HSBC, ‘4984-5999-1269-1291’ during 2006 timeframe (in Bangalore) and I’ve used it for very small duration. Later since I was not keen using this card and that I decided to relocate to Delhi/NCR, I did visited HSBC’s MG Road branch in Bangalore for clearance and closure of my credit card A/c ‘4984-5999-1269-1291’. All settlements were done nicely and we had no due payments. Isn’t this card supposed to be marked as in-active by HSBC?

All of sudden, I got a call from HSBC, on 26th March evening, asking for an outstanding amount of INR 7952.68 as settlement of this A/c. The only details that the collection department shared with me was that I supposed to pay Rs38/- in year 2006, which today has become Rs 7952.68/- and the person from collection department was not listening to me at all. From a global branded bank like HSBC, don’t we expect courteous behavior?

When we looked in past, there was a small mistake by my wife that she made a transaction on this void card. However, she immediately cancelled the transaction as a corrective step since this was an already cancelled card. The transaction was clearly reversed and cancelled, hence stands void and we can share the records for this. And, the reversal was clearly mentioned in the confirmation mail from merchant. There was no information gap. Isn’t it a major bug in HSBC system that an already in-active and cancelled card got swiped?

Further, when we got to the depth is this issue, HSBC records are reflecting a transaction of INR 651.00 (USD 15.95) that was debited from this card account on 23 November 2007. Later on cancellation, the merchant Google * Buy Com had refunded the transaction amount of INR 612.48 (USD 15.95) on 28 November 2007. It’s a small difference coming from difference of currency rate but HSBC is treating it as an outstanding amount of INR 38.52 from my side. Should HSBC make an issue for such a small matter and why they are putting it on me, why not on the merchant? What if currency rate would have gone up?

Hence, it should not be treated as an outstanding amount from my side. Also, HSBC never informed me on my permanent address we could have clarified the matter earlier. HSBC was having all my contact details in Chandigarh, but there was no phone or reminder sent to me from HSBC. Prior to this, I was holding a salary A/c and was a preferred customer of HSBC during 2004-2007, I never had any problems with HSBC at that time. Shouldn’t bank inform the customer well on time in case there is any open issue? For issue of a new card they will be ready to do anything, then why we see issues with closure of credit cards? Why HSBC didn't reminded me earlier on the permanent address?

It’s a humble request from me that this case should be treated as an exception and kindly look at waive-off option for Rs38/- amount, this is not intentional.

In case more details are required on this, I would like to meet any Sr. Manager in Gurgaon to clarify this. Please provide the contact details

What's the best way to address this, please suggest


Regards,
Parveen Arora
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