HSBC India - HSBC Credit card

I accessed my CIBIL report to get the shock of my life as it is showing an outstanding of Rs 12000 for HSBC credit card. My name is flashing in defaulters list. That is a bad thing!!

I called the customer care to know more about it and god damn people they are, they cannot access transaction history, cannot tell me where the purchases have been made, cannot tell me when the purchase has been made, BUT they could tell me that I have to pay a certain amount. I asked how much and the reply was Rs 37536/-. This was second shock.
I asked why but the customer cars doesn’t seem to care about customer and she simply said that

1) Pay the amount (Will take 7 WORKING days)
2) Again call customer care and raise request for Nullifying (Another 2 WORKING days)
3) Again call customer care for No Dues letter (7-12 WORKING days)

All in all it will take at least 25 Working days even if I offer to pay the all OUTSTANDING right away. YES, I did offered that as well, because I needed the No dues for my Home loan application. So even without making any purchases I offer them to settle it – take all cash right away and give me No dues. But the lady was adamant and had no sense of urgency at all.
(THIS WAS THE WORST PHONE BANKING EXPERIENCE I EVER HAD)

Now I went to Ram Maruti road branch, the receptionist was rude like anything. I went to meet the person who can answer credit card queries. Amazingly pathetic services they provide is proven by the fact that even she cannot tell me where and when the purchases have been made. She has no access to transaction history at all. All she said me is that I have to pay a certain amount.

With all hopes shading I asked where should I go, Please tell me if someone can answer my queries. I was offered to go to MALAD office as collection department sits there. She said that they will be able to resolve your queries. I drove all the way from Thane to Malad at the peak of traffic and that took me 2 Hrs to reach there. After initial scrutiny at the reception followed by the same at entry gate, I could manage to get to main HSBC reception. The guy called some guy and handed over the phone to me. I asked him if he could give me some 5 mins of his time and can listen to my problems. Quite shockingly the answer was NO. Guy at the other end named XXX said that he can talk to me on phone but neither he will comes down nor he will let me get in. I pleaded for some 2-3 mins saying that ‘Dude I have travelled all the way from Thane till Malad and that too not by myself, I have been told by your Branch only’ that he can help you. Even than you can’t meet me in person. How frustrating it could be when you have to do all this just to talk to the other person on phone. I mean Cant I have done that from my home ????????

Anyways he said that :
1) Pay the amount (Will take 3 WORKING days )
2) Request to Nullify (Another 2 Days)
3) No Dues letter (Another 2 days)

I have paid the amount and request for nullification has been raised. Right after request for Nullification has been made, he is not interested in picking the call.
WHAT AN IRRESPONSIBLE AND ‘I DON’T CARE’ THE WHOLE STAFF CAN BE

Now I had to make the grilling journey from Malad to Thane again, and I did that !!

Back to Ram maruti road branch – I asked very calmly (Yes, I was exhausted like anything so cannot speak in any volumes) to receptionist that you should know that Malad office doesn’t talk to customers directly and you should not direct your customers to visit there. Again the response was ‘NOT INTERESTED, You can say any damn thing, I don’t care.’

I asked that I need to make the payment through check (Yes, I did that). And after the payment I want to close the card. I wrote an application and where I said that my whole experience with the card was not good and since all the payment has been made, so please cancel this card. She took the application and wrote it again, here she removed the part where I have raised my concern over the card. When I said I want to keep that part her reaction was shocking. She said – ‘Now I am not going to accept the application’. Who the bloody are you accept or reject anything. I have to submit this application to Bank and hence process it. Who the hell a receptionist is to tell me what she will accept and what she won’t.

Finally I had no option now and to leave it to time. As they said call the customer care again and raise the request for No dues. I am still waiting for that certificate.

In between as I really needed the certificate I thought of visiting another branch. I went to Powai, Hiranandani branch. I narrated the problem and one guy did helped me out there and provided a copy of No Dues in 1 day.
(Now, How something that would have taken 25 days according to phone banking could have been done in 1 day, Do their phone banking guys so STUPID and WORTHLESS, not knowing what job to do. Creepy service)
Still, genuinely he is the only person of at least 100 guys to whom I talked in HSBC, who is willing to help.

Still the whole experience has been no more than a worst of nightmares. From this time on I have destroyed my HSBC credit cards and will do the same for my relatives as well.