Debt collection -- False statements or representation -- Complaint #5291765
Complaint Overview
Complaint ID: 5291765
Company: HSBC North America Holdings INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Told you not to respond to a lawsuit they filed against you
State: Florida
ZIP Code: 32073
Date Received: 2022-03-06T12:00:00-05:00
Date Sent to Company: 2022-03-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I got a call from a man who, after confirming my name and address, said a " case '' had been filed against and that I was going to " be 'served ' with legal papers '' the following day. He gave a case number ( XXXX ) and number to call. XXXX called the number, and my identity was linked to my phone number, and was told I had a legal matter and would be served with papers concerning a debt. They pressed the matter and after I informed them I had no debts, was told they wouldn't hold a trial over the phone. I asked if they were debt collectors and they said they were a " mediation '' firm, and I called them debt collectors. I told them they sounded like a scam and were violating the FDCPA and they refused address, identity, corporate filing information and hung up. I called back demanding to know WHO they were, they kept hanging up. They had identified as XXXX XXXX and XXXX. I called back after waiting a few days and a woman told me they were in XXXX, Florida at XXXX XXXX XXXX, no XXXX XXXX. Upon checking with they property owner, the multiple suite complex had no such Tennant. Secretary of State Florida had no such business registered either. They provided an email of XXXX. checking email is valid but info on, biz site for ownership shows listed domain, but ownership details redacted for privacy. A subpoena or agency could get who they are released. I was also told this was an HSBC debt of over a thousand dollars from XXXX and they would settle the debt for 50 %. XXXX XXXX was trying to collect on a fraud listed fifteen year old debt, pretended it was a filed case, and denied trying to collect upon a debt I did not owe. Further research uncovers the same scam listed elsewhere by the same people. They refuse to discuss the matter, disclose who they are or where they are, or any corporate address or filings with any regulatory agencies. I can be reached at XXXX, and can provide enough proof of this to fine or charge them with a crime. The number for " XXXX XXXX '' is ( XXXX ) XXXX.
Frequently Asked Questions
What is Complaint #5291765 about?
Complaint #5291765 was filed against HSBC North America Holdings INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-03-06T12:00:00-05:00.
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.