Consumer complaint received 2019-04-29 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: CA

Complaint narrative:
I received an official looking email supposedly from HSBC Bank, see below. I have a credit card from this bank, but it has never been used, and the phone numbers given in this email do not work, they appear to be those of a collection or or legal firm, but there is no answer. Further, there are typos such as the part that reads, if you do NOT have an account, then it instructs to log in anyway and select various Accept buttons and Make Payment. I tried to contact the bank, but their security concerns number requires that I give them my social security number. This has to be some kind of hacked bank or site. I've never used this card, I've never received any statements from this company, there is no balance on this card, and none of this adds up : HSBC Dear [ my name was here ], We're writing to let you know the minimum payment for the Credit Card ending in [ XXXX  ] is past due. If you recently made the payment, thank you. If not, please make the payment as soon as possible using any of the following methods : Make your payment online if you're registered for Personal Internet Banking. Click here to log on and take one of the following actions : If you have an HSBC checking or savings account, click 'Move money ' to make a payment. 
If you don't have an HSBC checking or savings account, click 'View details ', then 'Accept and proceed ', click 'Payments ', and then 'Make a Payment '. 
Make your payment by mail : HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Make your payment by phone : Call us toll free at XXXX or collect at XXXX. 

Monday : XXXX ET Tuesday, Wednesday, Thursday : XXXX ET Friday : XXXX ET Saturday : XXXX ET Sunday : XXXX ET Thank you for choosing HSBC. 


Sincerely, XXXX XXXX Head of Customer Experience HSBC This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

If you've already made your payment, please disregard this message. 

XXXX EMAIL SECURITY INFORMATION Email intended for : XXXX For your account ending in : XXXX  You received this email notification because you have enrolled in an HSBC product or service. 


ACCOUNT-RELATED QUESTIONS Please do not reply to this email as the message was sent from an address that is not monitored. If you wish to submit an account-related question electronically, please contact us online through Chat or call our Customer Relationship Center at XXXX ( XXXX ) or call collect from anywhere in the world at +XXXX XXXX. 

The source of this email alert notice is HSBC Bank USA, N.A. 
HSBC is located at XXXX XXXX XXXX, XXXX, NY XXXX. 

Our postal address : HSBC Bank USA, N.A. 
XXXX XXXXXXXX XXXX XXXX, NY XXXX We maintain strict security standards and procedures to prevent unauthorized access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your Username, Password, or account numbers. If you receive such a request, please call our Customer Relationship Center at XXXX ( XXXX ) or call collect from anywhere in the world at +XXXX XXXX. 
Privacy | Security | Terms & Conditions | HSBC Accessibility Issued by HSBC Bank USA, N.A. Member FDIC.

HSBC Bank USA, N.A. 2019. All rights reserved.

Company response to consumer: Closed with explanation