Consumer complaint received 2020-06-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Starting at the beginning of last year ( XXXX ) I began receiving phone calls from various numbers asking me for my social security number stating I had an outstanding debt they wanted to collect. No one would give me the name of the organization of where they were calling from, who I owed the debt to or how much the amount was. The operators calling were rude and cursed when I dared to ask any questions or not give them my social security number. The phone calls then became robocalls from numbers very close to my own or people I frequently call. They kept pronouncing my name incorrectly which made me feel it was a mistake on their part. I would block whatever number they called from and they stopped coming in after a while. 

The calls started up again at the same time this year. This time they were more threatening. On XX/XX/XXXX I received a phone call from the number XXXX XXXX XXXX. Again, the person on the other end did not tell me what organization they were calling from but stated they had tried to deliver court papers to my home address to no avail. ( they said my home address I suppose to scare me ) The person did give me the phone number of the law firm handling the case. It was XXXX XXXX XXXX. I spoke with an attorney saying they were collecting on a {$3000.00} debt I owed to HSBC bank from when I lived at a different address in XXXX. I told her I never had an HSBC credit card ever in my life and I was then told it was sold to their firm by HSBC and could be a debt for anything. She told me if I paid {$1000.00} of the debt over the phone by credit card it would go away. I then told her I was not giving her any money for a debt I do not recall. She told me that by saying that I was refusing to pay the debt and she would 'see me in court '. Once again, like the last time, I began receiving a flurry of robocalls from different numbers with local area codes. They were the same as the ones from last year mispronouncing my name, etc. One was sent under the phone number of my wife 's ' place of work. 

On XX/XX/XXXX, I received a call from XXXX XXXX XXXX. I took the call because the number was close to the number for my employer. It was a live person attempting to collect this mystery debt. When I began to tell him I've been getting these calls for a year, they screamed at me : " THEN WHY DON'T YOU PAY YOUR DEBTS? '' He then provided me with the same small amount of information as the others before and I hung up on them. 

On XX/XX/XXXX, I recieved a call from the number XXXX XXXX XXXX. It was a deep-voiced robocall saying my first name wrong stating they were calling from the XXXX XXXX XXXX stating I needed my lawyer to call them by the end of the business day ( It was XXXX XXXX  EST ) or they would take 'further actions '. 

Yesterday ( XX/XX/XXXX ) I received a voicemail from the number XXXX XXXX XXXX simply stating they are from 'the processing department ' ( does not say from what organization ) saying there are now two pending matters and since I am not answering their calls they will come to my home or place of work ( Just like did at the beginning of the year ) I just want these calls to stop. It's obvious this is a scam. 

I hope you can help me with what I provided. If you need anything else, please reach out.

Company response to consumer: Closed with explanation