Date Received: 2018-08-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XXXX and purchased buy PR in XXXX. I have never made a payment or promise to pay to this company. I recently reviewed my credit report ( XXXX ) and found that XXXX XXXX is doing inquiries on my credit report as follows : XXXX : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. I am now XXXX years old which would most likely preclude full-time employment. Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. Thank you for your help.
Company Response:
State: IL
Zip: 609XX
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I applied for an HSBC credit card and was approved. This was on XX/XX/18. Since then I have been unable to use the card because the account has been frozen. I have been trying to contact the conpany since I recieved the card and haven't been able to speak to anyone that can help. Every time I call " Customer Support '' I am on hold for 20 minutes and then the person answering says they have to transfer the call to another department. This happens over and over until finally they either hang up or tell me to call back later. It has been over 6 weeks and all I want now is to close the account - but I can't even do that without talking to someone.
Company Response:
State: NY
Zip: 13501
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXXXXXX XXXX placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which HSBC said was uncollectable. It was taken off my report and thought that was the end of it. On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off. It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.
Company Response:
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been trying to withdraw money from an online savings account. I set up a transfer on the Banks website. I subsequently received an email stating that I need to to contact the bank for security reasons. A phone number was provided. I have called the number numerous times prior. Each time I am on a phone hold for an hour or more. This occurred both during the business day and in the evening. I called the general customer service number of the bank and a merely transferred me to the same phone queue for security. So, I have been completely unable to have access to my funds.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2018-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: A person named XXXX XXXX contacted me ( on XX/XX/XXXX ) referencing old contact information and the last 4 digits of my SSN claiming I owed a balance on a debt with XXXX XXXX that I settled over 7 years ago with a 3rd party collector ( XXXX XXXX ). He said that although I paid a settlement amount, I still owed a balance ( an amount which couldn't be correct as I settled the debt ) and that the last payment I made was in XXXX which is also not true. I didn't make payments. I settled the debt in one sum in XX/XX/XXXX and I have bank records showing I made my settlement payment. This debt does not show on my credit but he threatened that he'd report it unless I paid him this alleged balance. He also fished for my current contact information, which I did not give as I did not want to invite further contact. I told him repeatedly that what he is claiming was not correct and that I'd paid the debt. Someone called again today from the same area code/prefix and this time the caller ID identified the business as XXXX XXXX XXXX ( XX/XX/XXXX ). They left a voicemail referencing a problem with my account and to call them immediately. I did not return their call. I researched XXXX XXXX and can see that XXXX XXXX works for them. Neither voicemail nor conversation provided any disclaimers identifying who they were or why they were entitled to collect on this alleged debt.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Don't do as XXXX XXXX XXXX, rushing to file lawsuit. I need more time and making progress to solve my financial problems. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: HSBC/Beneficial or the XXXX XXXX lied to the Consumer Financial Protection Bureau, stating that they weren't trying to evict me. They provided such a response to this Office XX/XX/XXXX. Began filing subsequent eviction suits against me UNDER SEAL XX/XX/XXXX, and XX/XX/XXXX. They used an unqualified foreign corporation as the litigating party, XXXX XXXX XXXX, XXXX. Wrongfully obtained an eviction order XX/XX/XXXX. The Illinois Business Corporation Act bars such corporations from filing suits in an unqualified state ( See XXXX XXXX XXXX ). The corporation prevailed even though fraud was present in its notice/demand and its motion for summary judgment was unsupported by contravening evidence. The mortgage on my home was satisfied and released, and the foreclosure suit was found to be unauthorized by the Federal Government. Attorneys are reluctant to assist me with the eviction suits because they are sealed. They can't look the cases up from their office. Through XXXX XXXX XXXX XXXX, this corporate has also caused to be recorded a false and fictitious quitclaim deed against my property XX/XX/XXXX. HSBC is seeking to take my home using forgery or theft by deception.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2018-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I made a rewards purchase of a set off XXXX pots using my HSBC credit card around XX/XX/18. I received the pots around XX/XX/18 and was unsatisfied so, I immediately contacted HSBC by phone for an RMA. They said it would take two weeks for the RMA number to arrive in the mail. While waiting I order a different set of pots with my reward points. I was subsequently contacted by over five different agents asking the same questions over and over and refiling multiple claims but still no RMA as of XX/XX/18.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2018-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2018, I paid my HSBC credit card balance off in full. The money was deducted from my checking account with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. My card was declined when I tried to buy food from a food truck on XX/XX/2018. On XX/XX/2018 at XXXX XXXX PST, I called HSBC to inquire why my credit card was declined on XX/XX/2018. The customer service rep told me that because the payment was such a large amount ( {$1000.00} ) HSBC had to investigate and verify the payment. When I asked why it was taking them 10 days, she said that she did not know, but that the card would be available for use on XX/XX/2018. Two things are unacceptable : 1. That it took 11 days to process my payment. 2. That I could not use my credit card for 11 days. If I do not get this resolved to my satisfaction, I will pursue legal action.
Company Response:
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX, at XXXX XXXX., I received a phone call from a gentleman calling from XXXX. The gentleman on the other end of the phone ( who did not identify himself or where he was calling from ) informed that he had sent a certified letter to my home which had just been returned to his office and he had a XXXX XXXX from their legal department on hold to speak to me. At this point, I was quite suspicious as I have recently been laid off my job and am at home 90 % of the time and at no time did the postal worker attempt to deliver a certified letter or leave a notice that one had tried to be delivered. Once on the phone with Ms. XXXX, I was inundated with threatening and untruthful and deceptive statements from this woman. She informed me that there was legal action pending against me if I did not clear this debt with her right away or sign a promissory note that I would pay this supposed debt by the end of XXXX and I had to make a decision on how to pay right that minute. She informed me that the debt was approximately {$1300.00} and that they would settle out of court for {$580.00}, then retracted that and said that the courts had rejected that settlement and that it would be {$690.00} plus some change. I asked her about the debt, as I had just paid off all my debt when I was laid off and couldnt think of anything that I had forgotten about, she then upped her tone and told me that the debt was from HSBC Bank from XX/XX/XXXX and that the last payment on the account was in XXXX. I politely asked that she call me back in a week so I could research this issue on my own as so much time had passed, and I did not remember any debt from that time period that had not been taken care of. I also asked for information of this debt in writing to be sent to my home address as this was first time I was hearing about this. Ms. XXXX immediately escalated her threats, stating that her company had already investigated the debt, including an asset investigation and fraud investigation, among other investigations and that I had NO recourse but pay the debt immediately or they would take legal action against me and put a lien on my car and its registration, effectively blocking all future registration on my car until this supposed debt was satisfied. Finally, I asked her what company she was with as it became apparent she was not with HSBC Bank and she informed me she was with XXXX XXXX. I told her that our conversation was over as I needed to research this issue further. Ms. XXXX then informed me that I had until noon on XX/XX/XXXX, to make a decision on how I was going to pay or the legal action would proceed forward. She gave me her number as XXXX in case I had any further questions. As soon as I was off the phone, I began to research this company and found several similar complaints against this company and their aggressive and deceptive collection practices. In many of the complaints there said that there was a resolution in the matter and that the employee was fired as she was not in compliance with the companys policies. WHAT??? How can you have a multitude of complaints extremely similar threats over a course of many years and not have this be your companys business practice??? I believe this companys actions are in violation of not only the Fair Debt Collection Practices Act, but also the Texas Debt Collection Act and the Texas Deceptive Trade Practices/Consumer Protection Act, not to mention if this is a true debt, it is well beyond the Texas Statute of Limitations of 4 years. If this is/was a legitimate debt, I would have no problem making arrangements for repayment, but after more than 8 years I seriously question the validity of debt PERIOD and feel this is a scam or some other form of fraudulent practice to extort monies.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A