Consumer complaint received 2022-01-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Over the last 45 days i have been called daily by an automated system from an unnamed firm threatening " legal action if I don't respond to the complain. '' On Thursday XX/XX/XXXX i hit number 1 on my phone and was routed to a woman who stated her name was XXXX XXXX from the " firm XXXX XXXXXXXX XXXX XXXXXXXX and had been retained by the plaintiff to legally collect or pursue action for the debt. '' XXXX stated her " firm '' was collecting for HSBC credit card that charged off in XXXX and that i needed to " pay the balance that day to avoid being sued, reported to XXXX and all of my current accounts frozen and my wages garnished. '' I advised XXXX that the statute of limitations had long passed on this account, it was no longer on my credit even due to age and that she cant threaten me with legal action. XXXX replied that " every time a creditor sells or hires someone to collect the debt the creditor enters a new contract and extends the statute of limitations. '' XXXX XXXX also stated that " I had made payments on the account in XXXX '' which was completely false. XXXX got very agressive demanding payment or she was going to report me to XXXX that day the XXXX, have HSBC sue me and then terminated the call. Friday XX/XX/XXXX XXXX again called back offering me a " last chance '' to resolve it before the " complaint was forwarded for legal action. '' I again stated it was out side of limitations and that she was violating the FDCPA by misrepresenting the debt and threats of action. XXXX again got very aggressive and stated that i had to pay it that day or " pay the consequences. '' XXXX XXXX stated that HSBC never charged it off and that they are who is going to sue me. XXXX then emailed me a demand letter from an email of XXXX with a letter head of " XXXX XXXX XXXX '' which all appear to be tied to a XXXXXXXX XXXX XXXXXXXX XXXX XXXX utilizing address XXXX XXXX XXXX  XXXX, XXXX, FL XXXX for both the XXXX and Personal use. XXXX XXXX called again Monday XX/XX/XXXX demanding payment and was confronted with factual dates, AZ law on statute of limitations and the fact that XXXX is only for bad banking issues, rental and mortgage issues/default. XXXX XXXX again reiterated that I would be reported to XXXX and that her firm would have HSBC pursue me in court for the debt. I advised XXXX that the call was being recorded in accordance with AZ law and she didn't care, kept threatening me. I then confronted her directly asking what the consequences were if I didn't pay it to which she would then only say " complaint will be forwarded. '' XXXX again terminated the call once she realized that I knew she was continually violating the FDCPA. This was aggressive, misleading, false threats and clear violation of FDCPA. Threats of legal action, garnishment, and credit reporting of old accounts that can not be pursued in court or reported on credit is unfair and illegal. Misrepresenting as a law firm threatening legal action falsely is illegal.

Company response to consumer: Closed with explanation