Consumer complaint received 2019-04-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
YOUR COMPLAINT On XX/XX/XXXX @ XXXX hrs I received a phone call from a XXXX number. The message left on my voicemail was an urgent message for******* ( yes they pronounced my name wrong ) formerly known as ********. Need to resolve a matter resulting in a judgement of my current property at my current address. or they'll call my place employment to resolve issue. I haven't worked for any employer for 3 years, i was medically XXXX and given XXXX. They then gave me an XXXX with a reference number of XXXX. So I called back @ XXXX hrs and during this XXXX minute XXXX second conversation i was harassed, my XXXX made fun of and was demanded to answer questions or id be sued in court. Then hung up on. 

All the information i got was the company was a XXXX XXXX? I asked what that was and I was taunted with " you are totally in the dark about this whole situation? '' Let me put you on hold. XXXX minutes later I was asked again if i knew what this was about. I said, i have no idea. Then he proceeded to verify some of my information. I refused to give my ssn because I wasn't getting enough information back making this a legitimate business office. About XXXX more minutes into conversation he still wouldn't tell me who he was but only said that XXXX XXXX services was a legal company looking to obtain payment of a debt. 

The last few minutes of conversation on his part got heated, still being confused about a credit card through XXXX XXXX that was dismissed 10 years ago through bankruptcy. His demeanor was consistently hostile. I stopped him and said my XXXX wouldn't allow the conversation to continue, he then proceeded to say i was too young to have XXXX and not being able to work. I then stated i had XXXX really bad and wont answer anymore questions until he's more pleasant. He then said XXXX has nothing to do with answering his questions. I then stated it has everything to do with the way you're talking to me. In fact, he said by you not answering my simple questions you are denying to make payments and ill note that on file. He also stated that he'll put a lein on my home that i own at the address on file. I said, what home? I don't own a house? He said, " you don't own a house with your husband? And he began to say my fathers name, i guess thinking he was my husband under my maiden name. I said no, thats my fathers name and he owns that house. He then in return said that, ok, well we'll put a lein on any future inheritance of property. I stopped him and said, listen to me, im not getting an inheritance and you are making stuff up. He then angrily said i was refusing to answer his SIMPLE questions that even someone with XXXX could answer and if i can't pay then he needed my husbands information or that other family members can pay my debt. I said you are getting rediculous here. I then said listen to what im telling you, he then proceeded to interrupt me angrily and said you are refusing to pay and we're going to put on record your blatantly disregarding and refusing to pay. He said we're going to sue you and good luck with that in court and he just hung up and ended the call at approximately XXXX hrs. 

For XXXX, none of the information he was giving me was correct, so if he was going to sue me the judge wouldn't waste his time with it. He was harassing and he made fun of my XXXX. When he was wrong about information he threatened on numerous occasions to call my employer to verify employment ( in which i haven't worked in 3 years ), put a lein on my parents home and sue me for non payment. 

I hope they record all their conversations cause they're not supposed to hang up on you. He never gave me a chance to talk. I was stuttering so bad with him because of my XXXX when he became threatening in the conversation. I advised him i had a mental XXXX and couldn't comprehend simple instructions or questions in a timely manner. He didn't care, just said i was too young to be XXXX. Im assuming there is a law protecting Americans with XXXX from threatening conversations from debt collectors. 


A month prior I did receive a letter stating that the debt is too old to sue me and sent me a payoff bill and if i chose to make a payment then it could be reported to credit bureaus and i could be sued for non payment. 

For one, the credit card was XXXX 10 years ago through bankruptcy so i ignored it because that debt was cleared. I tried to explain that to this disgruntled employee who likes mistreating people with XXXX and makes threats over the phone but he didn't want to here what i had to say. 

Companies and their employees like these need to be held accountable for their actions for being verbally abusive and belittling people. He said what he said because he wasnt being recorded nor did he think i would pursue his actions for accountability to his threats

Company response to consumer: Closed with explanation