Consumer complaint received 2019-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
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:
I have been contacted several times in the last XXXX weeks be XXXX XXXX XXXX claiming that I owe money on a credit card that has gone to collections. They are stating that they have tried to mail me proof at an address I last lived at in XXXX. I have explained to this company that I dispute the validity of their claims and to please send me proof of this debt. I have even gone so far as giving them my current address. They have told me that they have already sent it out to my old address and that they were going to take me to court to sue me. 

The amount they say they will settle the $ 3000+ account for is roughly {$650.00}. I am fairly indifferent to the amount as I do not believe I owe this debt. I have explained to them that I have exceptional credit and that I have zero delinquent accounts. They have threatened me that my credit will be negatively impacted unless I pay them immediately. 

XXXX XXXX has also made accusations that my last payment was in XXXX. I find this claim to be 100 % false and have demanded proof of both the debt, and the last date of payment. They have provided no written proof. 

I am at the point where I need closure on these accusations of delinquent debt. I am more than willing to pay a debt if I am proven to be negligent, but I am certain that this debt is not legit. I am asking that XXXX  XXXX sends me itemize as noted below ; XXXX  XXXX  must supply the information below so that I can be fully informed : Why they think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When they identify the original creditor, they must provide any other name by which I might know them, if that is different from the official name. In addition, they must tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they must provide a copy of the written agreement that created my original requirement to pay? 

If XXXX XXXX is asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Has XXXX XXXX made a determination that this debt is within the statute of limitations applicable to it? Tell me when they think the statute of limitations expires for this debt, and how they determined that. 

Details about their authority to collect this debt. 

I would like more information about their firm before I discuss the debt with them. Does their firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If they are contacting me from a place outside my state, does their firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

Company response to consumer: Closed with explanation