Further to my above complaint, Rs.1654.50/- has been re-credited into my account on the 11/11/2011 19:20hrs. However I need the clarification for the below :
1.) As per my verbal and written complain dated 29th Oct regarding the auto debit of Rs.1654.50/- without my knowledge, your phone banking officer as well as Mr. Clement who has customer service executive who email me the next day assuring me that the debited amount will be credited back after 3 working days. However till the 09th Oct around 13:10hrs on checking my account no such amount was updated, so I called back your phone banking and spoke to your officer who said that he will check on the complain and wanted me to call back to check on the update which I refused to do and insisted on a call back instead. The officer called back around 14;13hrs from telephone number 8067369782, the conversation lasted on for 54 seconds stating that he regretted the delay in credit of amount and that it would take 2 more days to do so. Finally I received the above said amount credit into my account on the 11th Oct around 1920Hrs via sms. Therefore my question here is that your mail stating action within 3 working days is all humbug as no action was taken till the 09th Oct after my second call to your bank.
2.) where is the interest on the amount deducted, as questioned earlier if money borrowed from your bank will you wave the interest on borrowed amount so why money taken from my account without my knowledge be deprived of the interest.
3.) lastly I have still not yet received any replies to any of my questions from my previous 2 emails for which I am still awaiting replies from your high end executives within 3 working days failure of which I am left with no choice other than approach the media to resolve my issues.
MY INITIAL COMPLAIN - 29OCT
| hide details Oct 29 | ||||||||||||||||||||||||||||||||
I have just received my Account statement via post this afternoon; on reading I found that Rs.1654.50/- has been debit under the heading of " Balance Based Charges for QTR Q3 Advance F ' on the 20th Oct 2011 from my Account : 041-268566-006. On enquiring with your customer Service I was informed by Mr.Jitesh that the above said amount was debit since I have not maintained a minimum balance of Rs.3 lacs, since my account has been changed from Salary Account to Advance Account.
Please be informed that neither have I given any of written authorization to convert my account from salary Account to Advance Account in which case who gave you the liberty to do so and further more debit my account of charges pertaining to non maintenance of minimal balance when i am still receiving my salary from my company - Vivantha by Taj Connemara -Binny Road, Chennai who have opened my salary account.
I want you to answer the below as well as re-credit back the debited amount along with 12% interest from the date of debit till the date of credit
- Who approved of the conversion of my Salary Account to Advance Account?
- Do you have any Written communication from me to convert the Account?
- Under which class or rule number of the Indian Law or the Reserve Bank of India authorities the debit from my Salary Account?
- Please let me know why should I book you under a Fraudulent Case?
I would require genuine replies for the above from the Head of Debits - HSBC limited within the time stipulated as per your company's rules in accordance to the rules and regulation of the Indian Law failing which I will have to approach the Legal System by Indian rule and law to sort out my issues.
regards
L. Devakumar
FIRST ACKNOWLEDGEMENT FROM HSBC
| hide details Oct 29 | ||||||||||||||||||||||||||||
We thank you for writing to us and acknowledge the receipt of your
email. This is an automated acknowledgement and we shall respond to you
within 2 working days.
In case you have any urgent queries, please contact Phone Banking at the
numbers available at http://www.hsbc.co.in/1/2/miscellaneous/call-us
If you wish to report the loss of a card, please contact Phone Banking
immediately to do so. Please note that HSBC will not be liable for any
transactions processed prior to the card being reported as lost on the
Bank?s records.
For more information on services, do visit our web-site www.hsbc.co.in
Please note that we shall not be able to share any account related or
confidential information on your personal email address. For such
requests, please forward a secured mail through HSBC?s Internet Banking
service. In case you are not registered on HSBC Internet Banking, please
visit our web-site for details on the registration process.
For any future communication on the same subject, we request you to
quote the reference number that will be mentioned in our response to
you.
Yours sincerely,
The Hongkong and Shanghai Banking Corporation Limited, India (HSBC)
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REPLY FROM HSBC TOWRDS MY COMPLAIN
| hide details Oct 31 (12 days ago) | ||||||||||||||||||||||||||||
Your Savings Account 041 268xxx 006
Reference Number 311020113664
We refer to your Email dated 29 October 2011 received regarding The
Hongkong and Shanghai Banking Corporation Limited, India (HSBC) savings
account.
At the outset please accept our sincere apologies for the inconvenience
caused to you.
We understand that you had spoken with our phone banking executive on 29
October 2011 and request for account conversion and reversal of the
charge of INR 1,654.50 under the reference numbers 291020113553 and
291020113538 had already been taken. the same will be actioned at the
earliest.
We earnestly request you to call our phone banking service or write to
us after three working days to know the status of the same.
Please feel free to write to us if you require further clarification or
call our Phone Banking services.
A complete list of our Phone Banking numbers is available at
http://www.hsbc.co.in/in/personal/phone.htm
Yours sincerely,
Clement Rahul Rodrick
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited
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If you are not the addressee you may not copy, forward, disclose
or use any part of it. If you have received this message in error,
please delete it and all copies from your system and notify the
sender immediately by return e-mail.
Internet communications cannot be guaranteed to be timely,
secure, error or virus-free. The sender does not accept liability
for any errors or omissions.
*******************************************************************
"SAVE PAPER - THINK BEFORE YOU PRINT!"
*******************************************************************
This e-mail is confidential. It may also be legally privileged.
If you are not the addressee you may not copy, forward, disclose
or use any part of it. If you have received this message in error,
please delete it and all copies from your system and notify the
sender immediately by return e-mail.
Internet communications cannot be guaranteed to be timely,
secure, error or virus-free. The sender does not accept liability
for any errors or omissions.
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"SAVE PAPER - THINK BEFORE YOU PRINT!"
MY SECOND COMPLAIN TO HSBC
| hide details Oct 31 (12 days ago) | ||||||||||||||||||||||||||||||||
Further to your below email, please be corrected that I had called to reconvert the already converted account by HSBC on their own without any authorization from me resulting in an unnecessary deduction of Rs.1654.50 from my account and not as stated in your mail as simply conversion of my account plus reversal of debited amount. Kindly ensure that when you reply to complaints you have to state the correct issue rather than edited according to your convenience
I would like to know that its is 11 days since you have debited my account of the above said amount and are willing to reverse it without any interest, will you ( the bank) let me take money from you without paying any interest for even a single day?
Further more I would definitely expect your PR manager to meet me in person to update me on the status rather that you requesting me to call you'll especially after the bank has taken money from my account without my knowledge and permission.
Lastly please be informed that I have not received a reply to my earlier questions put forth in my previous mail. I think this to be rather annoying and will definitely
expect a reply as i have not asked those questions as a past time or hobby.
Devakumar
944283222
Plot 1299, 9th Street, TNHB Colony
Velacherry, Chennai 600 042
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