Date Received: 2023-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To who it may concern, This man called me today, sounded very serious and knew all my information, saying that my HSBC account that was closed for no use has XXXX XXXXXXXX XXXX that I owed and now the bank sold my account to a dept collecting agency that is calling to clear my name. I was nervous specially because I just got rejected from applying for a new XXXX credit card. They had detailed information about when the last time I used my card was and I was in the middle of the work and they were not giving me information about where this XXXX XXXXXXXX XXXX were coming from so I hung up. They had my email so they emailed me, I am scared they will use my information incorrectly, I am not even sure if I gave my last 4 digits or not. After talking to HSBC they confirmed that that was fraud. I am terrified and I don't know what to do. HSBC staff told me to contact you and share their emails, phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95126
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: HSBC bank usa opened an illegal credit account without my consent in XXXX thru my checking account.theres no document with my signature in which shows that I agreed to such account.Hsbc broke my rights as a customer and as a us citizen the account has a balance of {$330.00}
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received Email regarding opening banking account with HSBC that I did not open. I also received letter in the mail and a credit card. Card in letter shows HSBC, credit limit was XXXX and application was filled around XX/XX/XXXX. I called them and spoke to a foreign person. He wanted personal information and I did not feel comfortable doing so. I tried telling them I did not fill out anything but believe there was a language barrier. He told me to reach out to credit XXXX to report fraud. I called and placed Fraud alert but was told to reach you since account has been opened.
Company Response:
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This complaint is regarding my experience with HSBC Bank, XXXX. and their online banking platform at us.hsbc.com. On Friday XX/XX/2022 at approximately XXXX ET I accessed my online banking profile through HSBC 's website. Like many security-conscious individuals, I have enabled on my profile '2nd Factor Authentication ' - this service is supposed to provide additional protection to online banking customers by necessitating the entering of a one-time security code sent to my email address ( in addition to the standard username and password combination ) each time I access my online banking profile. However, on this night I observed that when I requested the one-time security code, the online banking platform instead displayed an immediate 'your session has timed-out ' notification, refreshing this page then immediately logged me into my banking profile without needing to enter any credentials! I recorded video of this phenomenon and confirmed that the same sequence of events would repeat even after closing my browser and clearing my history. In effect, the online banking platform was bereft of this security protection for an unknown amount of time. I have attempted to communicate this experience to HSBC but the wait times on their phone number have been inconveniently long and I have been discouraged from trying to speak directly with an HSBC representative. I have not experienced any noted fraudulent activity on my account as a result of this lapse in security, rather I am raising this concern for the well-being of other clients. I receive emails and text messages from HSBC, and HSBC has not provided any client-notification indicating that their online banking platform 's security had lapsed for any amount of time. I am concerned that HSBC has an unpatched security vulnerability that needs to be addressed and I am further concerned for any clients that might have been victimized that are unaware that their banking information was unprotected by the services for which they signed up and have a reasonable expectation to be enforced.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, my identity was stolen and used to fraudulently open various accounts. I was alerted to this when I was mailed a XXXX debit card for an account I never opened. After quickly reporting the fraud on XX/XX/XXXX and XX/XX/XXXX and alerting the credit bureaus and filing an FTC report, I began pulling my credit history to check on other possible fraud attempts. Another fraud account with XXXX appeared ; the thief attempted to acquire a loan in my name, which resulted in a hard inquiry with XXXX after the thief failed to acquire a business loan. XXXX other inquires ( HSBC and XXXX XXXX - these appear as soft inquiries ) also appear on my credit history with XXXX. This is after submitting XXXX disputes with XXXX as well as submitting to them a detailed report of widespread attempts at fraud in my name, and an FTC ID theft report and police report ID being provided. 605B of the Fair Credit Reporting Act, which requires XXXX and businesses to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information, is being disregarded out of what is seemingly XXXX refusing to investigate the situation with proper diligence. XXXX of my disputes was rejected within what wasn't even a day 's time, leading me to believe their company is not taking this fraud seriously. Companies involved in the dispute have been contacted with a letter from the XXXX XXXX XXXX requesting compliance, and details regarding that process are on record. In spite of this, XXXX will not remove the fraudulent inquiries- this is also in spite of the inquiries appearing as completely different cities/states that have no bearing on any of my past residences or business endeavours. All of the proof and compliance I have provided appears to still not be enough for XXXX to fairly and appropriately comply with section 605B and remove the attempts at fraud. XXXX, XXXX and XXXX have all been provided a copy of the FTC fraud report, police report ID and accompanying details of the fraud occurring in various states and cities by the individual. The particular incident I am reporting is XXXX for not complying with the requested removal of the hard inquiry which was done via fraud on XX/XX/XXXX in addition to the less impactful but still fraudulent soft inquiries listed above. I have been punctual and timely with all information requested, and continue to contact the agencies which were complicit in running my credit without my permission for further compliance with the authorities. Letters to businesses involved in the ID theft were mailed out the first week of XXXX as a follow-up, since the inquiries in question were largely still appearing- this is also when I filed a formal police report and an investigation was launched to assist in closing down the fraud accounts and resolving inaccurate reporting done on part of the credit bureaus where fraud had occurred. In spite of all of this and my detailed record keeping, XXXX has rejected all attempts at removing these false inquiries- this is also as other agencies like XXXX have actually complied and done their due diligence to ensure their reports are correct. It's a shame that XXXX would want improper data and fraud in their records. The fact that another bureau has taken this seriously displays negligence of reporting on the part of XXXX ; it's not a matter of " if '' they can remove the fraud from my record, but rather that they just seem not to want to. It literally appears someone is just auto-rejecting my request at this point in spite of the information supporting the claims above being provided and the XXXX XXXX of effort I'm making to investigate the matter. At this time, nearly a month has passed with no resolution, and in the most recent dispute rejection, a note from XXXX was included stating " [ c ] onsumer 's dispute not specific, '' in spite of my request being as specific as possible. I'm concerned at this point that my submissions are being thrown out without consideration at this point, maliciously. In particular, this complaint is with XXXX, who has an obligation under section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. The agency is well past that deadline and is not in compliance with section 605B, in spite of being provided a detailed FTC ID theft report and more. Simply put, what more information can I provide to XXXX to prove that I don't live in XXXX different states and XXXX different cities pulling my credit at several different locations all in the same day? What more can I do to get the businesses who illegally ran my credit to comply, beyond what I've already done via getting police involved? Unless XXXX believes that I have somehow acquired the ability to clone myself and run my credit that fast, it appears they are being outright negligent with any consideration towards the details of my continued complaints with their reporting. It's insulting to read each dispute rejection that has come through, with their results finding that the information is " factual and accurate. '' XXXX XXXX XXXX and HSBC all have to bear responsibility for the error they've made in allowing the ID thief to run my credit for attempts at business, and XXXX in XXXX is owed specific scrutiny for not taking the continued provision of materials and proof seriously. It's as if I am trying to gather a bunch of children together to submit their homework assignments on time, and none of them are making it easy. How am I supposed to do anything more when I'm working with companies that allow ID thieves to apply for loans in my name, and credit bureaus that whimsically trust those businesses in spite of an ongoing police investigation? Does everyone in this situation have blinders on? Hopefully this complaint will motivate each agency to take my personal information more seriously. I will name each agency above in the formal submission of this complaint to further ensure they too comply with the FTC and CFPB.
Company Response:
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX I had XXXX XXXX XXXX call me and told me they had approved me for a loan. I did research and thought this man that called was an honest and true lender. I gave them my account and routing numbers well this man somehow figured out my mobile banking information and decides to mobile deposit a fraudulent check into my account for XXXX. He made the check to me XXXX XXXX, but signed the back of the check with a different last name that I have never had. HSBC then proceeds to lock my cards and my accounts both checking and savings and are still locked today. I for the last month have heard that they were closing my account and sending me a check. Because I work for the state of GA we only are paid on the XXXX and Last working day of the month that was two checks in the bank they are holding hostage. I could not buy my kids XXXX, my daughters XXXX gifts, cant pay bills, and had two cars taken from me because I had no money to pay for them. I have screen shots where I have chatted with the bank and them saying i would have my check in 2-3 days and yet nothing. I have spoke with customer relations reps but they refuse to close my account. I need that money desperately. I am a single mom and I am behind on everything now. Im having a XXXX XXXX XXXXXXXX in XXXX different days XX/XX/XXXX and XXXX so I will be out of work. Please help me.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Finally got a response on when my account will be closed, however in the letter it states that I can move the money in the account yet access to the account won't change ( which is XXXX access since XX/XX/XXXX ) It also states I can request the account be closed before the established closure date of XX/XX/XXXX. However after requesting through multiple channels got told " the account will be closed on the XXXX '' and " oh lets go ahead and wait for the date provided '' completely ignoring my request and explanation that since I can't access the account to move the money out nor do I live close to a branch to do so in person. I just want the account closed and my money returned to me without waiting till the XXXX as we are now past 4 months of me fighting to figure out why and when the account is/was going to be closed for me to recieve my money.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After multiple years participating into our alleged mortgage, we noticed some unknown concerns regarding its origination. While researching an unknown increase in the alleged mortgage payment, we found issues regarding Mortgage XXXX XXXX XXXX XXXX XXXX, as Nominee for HSBC Mortgage XXXX ( XXXX ) /HSBC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, proving a fraud on an Assignment of Mortgage from a property participating with Housing for Urban Development ( HUD ). The fraudulent Assignment of Mortgage was recorded in the XXXX, Ohio XXXX XXXX XXXX 's office Instrument Number : XXXX, volume number : XXXX, page number : XXXX. XXXX XXXX ( Notary ) out of the state of New York XXXX XXXX XXXX XXXX gave his official seal and stated he witnessed XXXX XXXX personally appear and sign this Assignment of Mortgage regarding Loan number : XXXX and XXXX ID number : XXXX. We raised multiple concerns disputing the debt, issues about the origination of the mortgage and presented evidence about the fraudulent transferred mortgage to the alleged current XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) not in its individual capacity but solely as Owner XXXX of XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX servicing, XXXX ( XXXX ). The alleged XXXX XXXX XXXX stated response is attached. They claimed they do not have an economic or beneficial interest in the loans and have no authority with the respect to the management of the real estate held in the XXXX, including the above referenced property referring to XXXX XXXX XXXX XXXX XXXX, Ohio and stated, " All questions should be directed to the servicer ( " XXXX '' ). '' " XXXX has a responsibility under the trust agreement to address the issues. We never agreed to our note being securitized and that we are owed XXXX. We also raised these concerns to XXXX who stated, " although we service the original Mortgage and Note we did not take part in its origination, and we are unable to respond to the issues relating to the origination of the loan ''. We retained a XXXX Document XXXX XXXX XXXX XXXX in Ohio who is Board Certified through testing by the XXXX XXXX XXXX XXXX XXXX. Her Assignment was to compare the XXXX signatures shown as XXXX XXXX on the Assignment of Mortgage to determine if they were identical of very similar. She conducted her examination and rendered her professional opinion in a report dated XX/XX/XXXX. Her report concluded that " No one writes his or her name or signature exactly the same way twice. '' " Human beings are not capable of machine-like precision and repetition. '' " ... the XXXX signatures shown as XXXX XXXX on the Assignment of Mortgage are Identical. '' " ... as an individual can not write XXXX identical signatures on a document, it raises a question as to the method used to place these signatures on this document. '' She provided her examination in affidavit form with her Handwriting Examination Report recorded with the XXXX, Ohio XXXX XXXX XXXX 's office on XX/XX/XXXX instrument number : XXXX which is linked to the fraudulent Assignment of Mortgage dated XX/XX/XXXX. There are also XXXX Certificates of Satisfaction for the Mortgage in the Name of and for the Benefit of XXXX XXXX XXXX and XXXX XXXX XXXX for the property commonly known as XXXX XXXX XXXX XXXX XXXX Ohio recorded with the XXXX, Ohio XXXX XXXX XXXX XXXX XXXX. The first satisfaction was recorded on XX/XX/XXXX, with the date of Satisfaction of XX/XX/XXXX in the amount of XXXX by XXXX XXXX XXXX Bank instrument number : XXXX volume number : XXXX, page number : XXXX. In this first release in XXXX by XXXX XXXX XXXX Bank, they stated, " WHEREAS the indebtedness secured by the mortgage described below has been fully paid and satisfied, XXXX XXXX XXXX Bank XXXX XXXX ..., owner and holder of the debt, hereby declares that the XXXX of said mortgage is forever XXXX and satisfied. '' The second release by XXXX XXXX XXXX XXXX XXXX XXXX recorded XX/XX/XXXX, date of Satisfaction signed XX/XX/XXXX in the amount of XXXX Instrument Number : XXXX, volume number : XXXX, page number : XXXX stated, " KNOWN ALL MEN BY THESE PRESENTS : that XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN XXXX FOR XXXX XXXX BANK, NA, AS TRUSTEE, holder of a certain mortgage to secure the amount of XXXX, whose parties, date, and recording information are below, does hereby acknowledge that it has received full payment and satisfaction of the same, and in consideration thereof, does hereby cancel and discharge said mortgage. '' XXXX XXXX XXXX and XXXX XXXX XXXX never received these releases. On XX/XX/XXXX, ( XXXX months and half BEFORE the latest recorded release of satisfaction of mortgage from XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX BANK, NA, AS XXXX ) HSBC Mortgage XXXX ( XXXX ) claimed XXXX XXXX XXXX and XXXX XXXX XXXX borrowed XXXX from them and signed a note in which they agreed to repay the loan. The fraud perpetrated here is the question about the Borrowed XXXX because XXXX XXXX XXXX and XXXX XXXX XXXX never received any credits in any of their accounts for the alleged borrowed XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX had no means to retrieve those credits and HSBC claimed the repayment Obligation was secured by a Mortgage executed by the XXXX 's on XX/XX/XXXX. So, as it would stand, from the looks of the recorded documents, HSBC would have entered XXXX XXXX XXXX and XXXX XXXX XXXX into an alleged Mortgage contract on XX/XX/XXXX, while they were engaged in a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN XXXX FOR XXXX XXXX BANK, NA, AS TRUSTEE, Mortgagee : XXXX XXXX XXXX XXXX. The release of our Mortgage was not signed until XX/XX/XXXX, and recorded XX/XX/XXXX, from XXXX XXXX XXXX XXXX. Noticing there has been XXXX recorded releases on this Mortgage in full, from our understanding, no one can have XXXX separate mortgages on a home at the same time, as the first mortgage is secured on the house, so as far as any additional lending with a different company the second lender ( HSBC ) would only be an unsecured loan, not a mortgage. These are some of the issues we found prior to the XX/XX/XXXX, fraudulent Assignment of Mortgage. We also received evidence that the XX/XX/XXXX, Mortgage and note has been securitized. The first piece of evidence we gathered to prove this Mortgage has been securitized is a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. This evidence/letter made statements about a " XXXX XXXX [ XXXX ] Trust '' XXXX " XXXX acts as Trustee of many trusts that holds various real estate properties '' " We have no authority with respect to the management of the real estate in the portfolio '' and " XXXX has a responsibility XXXX the Trust Agreement ''. The second piece of evidence we have to prove this loan has been securitized is a Limited Power of Attorney sent to us from XXXX XXXX XXXX signed by XXXX XXXX, witnessed by XXXX XXXX and XXXX. XXXX and notarized by XXXX XXXX XXXX giving themselves authority to serve as attorney-in-fact for XXXX. The XXXX of Attorney is attached. it states " KNOW ALL MEN BY THESE PRESENTS, that XXXX XXXX XXXX XXXX XXXX XXXX solely as owner XXXX, pursuant to the XXXX Servicing Agreement, dated as of XX/XX/XXXX. '' This Limited power of attorney was filed at the XXXX XXXX, Utah XXXX XXXX XXXX by XXXX XXXX XXXX on XX/XX/XXXX Instrument number : XXXX, Book : XXXX, Page : XXXX. This alleged lender seems to have taken our " note '' and put us into some sort of investment contract without our knowledge under the Statues of XXXX. Our " note '' is now a " registered security '' and we have a possible claim of recoupment on the proceeds which is spelled out in the various laws that we have not received. All companies paid by XXXX XXXX XXXX and XXXX XXXX XXXX have been Unjustly Enriched due to the perpetrated fraud. HUD Identifiers for the participation in the HUD program For XXXX XXXX XXXX and HSBC Mortgage XXXX XXXX for the Conventional Uninsured Loan ; XXXX Number : XXXX, Loan Number : XXXX, File Number : XXXX. We have made multiple attempts to rectify our issues with HSBC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and MER 's. No one has done any investigations about our claims, and we are still being harassed for payment by XXXX XXXX XXXX XXXX and Their Attorney XXXX XXXX when we have presented clear and convincing evidence of a perpetrated fraud dealing with our account. The XXXX XXXX XXXX has contacted HSBC about the Issue, but HSBC has failed to provide any information on the Account to XXXX XXXX XXXX and XXXX XXXX XXXX 's Attorney-In-Fact. The evidence of this power or attorney was sent to the organization and an authorization was signed to release records. HSBC, MERS, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX are not the true holders in due course, and are not required payment. the attachments prove this. This will be our last attempt to try and remedy this issue peacefully and privately, we have contacted the Attorney General, IRS to run and audit, and the FBI for fraud and other civil and criminal penalties. We have been trying to report a crime and fraud within our mortgage, it seems our only remedy is to start a Federal Claim with the XXXX XXXX and go to the news, newspapers, and other media outlets to expose the fraud and crimes against humanity. We have also recorded our " Affidavit of Obligation Consensual Commercdial Lien a Verified Plain Statement of XXXX Declaration as Testinony '' this has all attempts of settlement, its also provides XXXX Defalult Judgments witnessed by a Notary. Thes Lien is also recorded with XXXX XXXX XXXX here in XXXX Ohio, its intrument number is XXXX XXXX, Volume : XXXX, XXXX. WE REQUEST A FULL INVESTIGATION REGARDING OUR ACCOUNT, AS IT STANDS OUR CONTRACT IS VOID AB INTIO. ALL RIGHTS TITILES AND INTEREST NEEDS TO BE REVERTED BACK TO THE TRUE OWNERS XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY HAVE BEEN INJURED FOR MULTIPLE YEARS TENDERING PAYMENTS TO COMPANIES WHO WERE NOT EVEN REQUIRED TO RECIEVE PAYMENT. NOW THESE COMPANIES HAVE BEEN UNJUSTLY ENRICHED AND OWE XXXX XXXX XXXX AND XXXX A XXXX WHO NEEDS COMPENSATED ASAP AND THOSE COMPANIES NEEDS TO BRING A CLAIM AGAINST MERS AND HSBC TO BE COMPENSATED FOR THE FRAUD AND CRIMINAL ACTIONS AND ALL ACTIONS REGARDING ANY TYPE OF COLLECTIONS OR ENCUMBRANCES REGARDING THE HOME OF XXXX XXXX XXXX AND XXXX A XXXX NEEDS TO CEASE AND DESIST IMMEDIATELY. ACTIONS TAKEN NEEDS TO BE MAILED TO ATTORNEY OF XXXX OF RECORD XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX Ohio. Everything done under fraud is void from the beginning.
Company Response:
State: OH
Zip: 45805
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Money was not available when promised
Subissue:
Consumer Complaint: on XX/XX/XXXX I made an International wire transfer in the amount of {$5000.00} USD to XXXX XXXX in XXXX, XXXX for the purchase of real estate. I was told by HSBC that it would take 48 hrs for the receiver to get the money. 48 hrs went by and the receiver contacted me to let me know that money was not yet received. I called HSBC on XX/XX/XXXX and they told me since it was an international wire transfer it would take 7-10 business days for the wire to be processed. According to HSBC the account had to be verified. Days went by and money was still not delivered. I then decided to wire the money from my XXXX account and the money was delivered in less than 48hrs which is the normal time frame. I then called on XX/XX/XXXX to cancel the Wire transfer since it was never delivered. I was told the credit would be reflected in my account within 2-3 business days. I called XX/XX/XXXX and was told additional information was required. I provided and verified the receiver 's information. Nothing happened. I called again XXXX and asked to speak to the wire department. I was told I couldn't speak to them directly. I called again on XXXX and was told the cancellation was under review. XX/XX/XXXX money still not refunded, I had to again verify the receiver 's information and was asked when the company was established. This information was not requested at the time the wire was initiated, so it makes no sense as to why I would need to provide that information to cancel. I however reached out to the receiver " XXXX XXXX '' and they were very cooperative and provided me with the information. This is the worst bank, I find it unacceptable that I to make over 10 calls, over 1 hour each to simply cancel a wire transfer. XX/XX/XXXX - Called again and had to provide additional information, they said the wire cancellation would finally be processed, and the money would be refunded within 3-5 business days. This bank should not be allowed to do business in the USA due to their bad banking practices.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I was contacted by the `` County Process Server '' on XXXX at XXXX and told I was being served for garnishment and to call XXXX XXXX XXXX XXXX XXXX at XXXX. I spoke with the receptionist, XXXX and XXXX at XXXX XXXX XXXX. They knew my social security number, a previous address and a current address. They gave me the last 4 numbers of an HSBC account that I have never had. I contact HSBC customer service, collections and recovery. XXXX XXXX XXXX XXXX XXXX XXXX said that I last made a payment on XXXX for {$75.00} which I have no record of. They also gave me a another date of XX/XX/XXXX? They said the debt was {$2000.00} and that they would settle it for {$750.00}. I believe that they were scamming me. I attempted to call back the process server and reached only a voicemail. XXXX said they had mailed a letter to my address, which I did not receive. I requested a copy of this letter and he refused to provide it to me. I requested more information on the debt and he said that I would get that during discovery.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A