Customer’s issue resolved by bank

Reader’s credit report causes trouble because his father’s credit card was listed

I would like to highlight an issue I am having with HSBC regarding a credit card that is reflecting in my credit report. It is affecting my credit history. I had a supplementary card from my father and it was closed by him, and I don’t know anything more about it after that. Last year, I applied for a loan top-up from another bank and they refused to give me one, due to an HSBC card write-off.

After this, I went to HSBC and they initiated a case and said it would be sorted out in 21 days and that they would contact me. Since then, there has been no response from HSBC. I thought it was resolved or sorted out.

On February 13, I again checked my credit report and it was still showing. I went to HSBC and they gave me my credit card information and said that I needed to pay Dh492. After that it would be sorted out, but it has not been sorted out or removed from my credit report till now.

I again went to HSBC on May 17 to check why it’s still showing and they said that there is another supplementary card for my mother and it also has an outstanding balance of Dh492. They said that I would have to pay and bring the credit report from the other bank.

Once I went back to HSBC, they said they would send it to the bank and if I want a No Liability Letter from HSBC, I would need to close my father’s primary card.

I request Gulf News’ kind involvement in this matter to settle the issue as I need to get it removed or corrected from my credit report as that card does not directly belong to me! From Mr Fahad Shakeel Dubai

The management of HSBC responds:

We would like to inform you that we have taken this forward with Mr Shakeel and have addressed his concerns directly.

Many thanks once again for sharing this customer’s with us.

Mr Shakeel responds:

complaint Yes, HSBC contacted me and after an investigation, they found that due to a system error, it was reported in my credit report wrongly. They are working on it and as per their email, they have sent a request to the other bank to rectify my report.

I appreciate and thank Gulf News for helping me to resolve this issue as I was trying to work it out for the past year.

(Process initiation: June 6. Response from organisation: June 7. Reader Confirmation: June 25.)

Editor’s note: Do you have similar issues that you would like to raise with us? You can write to us at readers@gulfnews.com