Consumer complaint received 2021-09-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
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 was initially contacted on Monday XX/XX/XXXX by a woman by the name of XXXX, she called and left a voicemail stating she was from process service dispatch. Her message was saying that there was a civil matter against me and it was in my best interest to call them immediately. Right before she hung up she said you have been notified. They also called my parents that are in their 70s and my oldest child who is XXXX years old telling them that I had a civil complaint against me and have me call them. The phone number they left was XXXX. When I called the number back a XXXX XXXX answered the phone, he informed me he was a director. I gave the case number XXXX ( this is the case # they left on my voicemail to reference ), that XXXX told me to reference. XXXX proceeded to tell me that a credit card of mine, XXXX XXXX credit card was charged off back in XX/XX/XXXX and that they were now moving forward with legal action unless I pay the full amount of {$4900.00}. He said if I paid today that they would give me a settlement of {$1900.00}. When I asked XXXX to tell me more about the account because it didnt sound familiar to me he got irritated, when I asked him to send me documentation he said he wasnt able to do that that they were going to go ahead and just serve me and move forward with legal action. I called him back two times and on the third phone call he was extremely rude to me and was just nasty, yelling at the top of his lungs at me, saying Im just trying to avoid paying a debt, XXXX also stated that they could seize all of my assets and property. I did some research and my ex husband and I did have a XXXX XXXX credit card together but that was back in XXXX and I pulled my credit report which doesnt show any charge off at all from anyone, my current credit score if XXXX. I received another phone call the next day from XXXX, the phone number he called from is, XXXX, I didnt answer the call and he left a voice voicemail stating that he wanted to give me another opportunity to take care of the debt I had or they would go ahead and he would serve me. He left his phone number, XXXX XXXX. The law office he stated he was with was unclear on todays voicemail, but I think it said XXXX XXXX XXXX  XXXX, I searched this name and got an address at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, CA XXXX ( this is a XXXX  store ). Again today, Friday, XX/XX/XXXX they called again, this time the woman that left the voicemail stated her name was XXXX, from process service dispatch, XXXX left the phone number of, XXXX. When I called them back again today, a woman answered the phone stating " litigation '' and then transferred me to XXXX again. I told him to stop calling me and my family that I knew this was a scam and he become very nasty saying horrible things to me, at that point, I hung up and don't intent on ever calling them back. I have the phone numbers blocked that I can block, however, their initial calls always come from " Unknown '' phone numbers. I did XXXX these phone numbers and I found several other people that had been scammed by these people and some that didn't fall for their scam, it is sad and frustrating that people have to deal with horrible humans that are criminals dressed up as legitimate professionals. Also, another thing that made me think these people are not legitimate is no one I spoke to ever stated " This is an attempt to collect a debt ''. Please investigate this and hopefully you can stop them, it is very upsetting and a huge waste of my time. Thank you for your time and consideration.

Company response to consumer: Closed with explanation