Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
XX/XX/2018This started all onXX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. I've never been XXXX XXXX and I even noticed some time ago XXXX XXXX  appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. XXXX XXXX XXXX is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! I've called XXXX XXXX XXXX  every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call XXXX XXXX XXXX   every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE! 

They claim that I had a credit card from XXXX XXXX, which I never did when I lived at an address, that I never have. They have gotten information about me from my credit report because they have obvious basic information that anyone who has ever spoken to me would get right, wrong! They say that I knew about XXXX XXXX and I know that's a lie because I never even knew about the judgement until this garnishment. I would have went to the court but I was notified! 

I have NEVER spoken to XXXX XXXX  about anything EVER! Now I need to hire a litigator. 

I have already submitted a WRITTEN debt validation request since the previous request over the phone was denied. I also submitted their 'fraud packet ' which I shouldn't have because now they can attempt fraud more easily. All of this will be included in the upcoming lawsuit.

Company response to consumer: Closed with explanation