Consumer complaint received 2019-07-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/XXXX, at my place of work, I received a call from XXXX XXXX at XXXX XXXX XXXX advising me that I owed a debt to XXXX  XXXX and that if I did not resolve the matter, they would be serving me with papers. 

Out of fear and humiliation of being served at work, I agreed to make payment arrangements on a XXXX  XXXX XXXX account that I knew I once had. Myself  and XXXX came up with payment arrangements that would work for me. These payments were to be automatically deducted from my bank account. 

XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - XXXX During the discussion, I asked XXXX to provide me proof in writing, advising me of the debt. XXXX agreed to send me an email. 

On XX/XX/XXXX, XXXX left me a voicemail stating that the email was returned to her due to an incorrect email address. On Friday, XX/XX/XXXX, I returned XXXX 's call and provided her my email address once again. XXXX stated I would receive an email shortly. 

On Monday, XX/XX/XXXX, I received an email from XXXX XXXX XXXX with an attached payment Authorization Form. I became suspicious of the form as it appears to be a generic form that is authorizing XXXX XXXX XXXX to charge my credit card with very little information regarding my alleged debt. 

On XX/XX/XXXX, I made a call to XXXX XXXX XXXX and asked that they provide the original account number to me and XXXX XXXX XXXX   stated that the debt was no longer owed and the account number for XXXX XXXX XXXX does not match the account number for XXXX XXXX XXXX that XXXX XXXX XXXX was providing. 

After verifying all of the above facts, I called XXXX XXXX and advised her that if in fact, I did owe this debt, I would like to see some type of documentation that proves such ( a bill, confirmation from XXXX XXXX ) XXXX then transferred me to XXXX XXXX who advised me that if I did not pay this debt in full I would be served with papers. I then proceeded to advise XXXX that if in fact, I owe this debt, I would be willing to pay however, all I wanted and rightfully so as a consumer, was proof. XXXX stated that the authorization form was proof and my account number was on there. I told XXXX that according to XXXX XXXX that is not my account number. XXXX proceeded to tell me that XXXX XXXX has no business speaking to me as this is no longer their debt as it was sold to XXXX XXXX XXXX and they would be in trouble for speaking to me and XXXX XXXX XXXX would be sending XXXX XXXX a cease and desist letter. XXXX became very hostile and told XXXX to prep the paperwork and proceeded to shout and cut me off. I then told XXXX, if you won't provide me the info, at least allow me to look at my account online. XXXX stated that XXXX XXXX XXXX did NOT have a website and became more irate when I advised her I would look her up on the XXXX XXXX XXXX website. XXXX said " you don't want to settle '' and hung up. 

I called back a minimum of 10x 's trying to talk to someone and all my calls were clearly being ignored via caller ID. It is a fact that every time I called XXXX knew it was me. I finally got through and " XXXX '' answered. I advised XXXX I was hung up on and would like to talk to someone besides XXXX. XXXX said " oh no, why were you hung up on '' and said please hold. XXXX came back on the phone and said " good luck in court '' and hung up on me. 

I called XXXX XXXX on XX/XX/XXXX and was advised that any and all accounts I held with XXXX XXXX have been closed by me and have not been sold to a collection agency. 

It should also be noted, that XXXX XXXX is NOT the only company trying to collect from me on a XXXX XXXX Account. I have asked XXXX for my money back that was deducted from my bank account {$320.00} and XXXX denied me. 
After reviewing the company information on the XXXX XXXX XXXX website, it is clear as to why this company is rated F. They have scammed numerous people like myself out of money. They are threatening and harassing people like myself work not to mention the stress they put on people to say they have to come up with the money or else..

Company response to consumer: Closed with explanation