Debt collection -- Took or threatened to take negative or legal action -- Complaint #4916606
Complaint Overview
Complaint ID: 4916606
Company: HSBC North America Holdings INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: South Carolina
ZIP Code: 29341
Date Received: 2021-11-16T12:00:00-05:00
Date Sent to Company: 2021-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I have rec 'd several calls from a company and they have contacted former family members to locate me. They told that member that I owed money to them. The company said that they are XXXX and they claim that the debt is from HSBC for a {$500.00} credit card that was never paid. When I refused to give them my social, they became belligerent and said they would take me to court. I told them that I pay my debts and if it truly is my debt I will pay but I must see proof, asked them to mail via the XXXX Mail. I have not rec 'd anything but they have called several times since. On XX/XX/2021, XXXX rec 'd a text referring to phone # XXXX, XXXX # XXXX. I called the number and spoke with XXXX XXXX. She repeated my birthdate and my social. She then told me they were suing me and I would be responsible for cost of over $ XXXX. When I repeated that I wanted proof she said they had mailed proof and then she said 'Good Luck in Court ' and hung up. I do not have a credit card with HSBC. I checked my credit report and there is no indication that I have had or have a retail card listed with HSBC. My credit is in good standing and I pay my bills. I have no reason to believe this is my debt other than the phone call. There are so many scams out there that I don't know if this is a scam or not. If I owe the debt, I have no problem paying but I am not going to pay without proof.
Frequently Asked Questions
What is Complaint #4916606 about?
Complaint #4916606 was filed against HSBC North America Holdings INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-11-16T12:00:00-05:00.
How did HSBC North America Holdings INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against HSBC North America Holdings INC.?
Yes, visit the HSBC North America Holdings INC. company profile at readthecomplaint.com/company/hsbc-north-america-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.