Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
Representatives from XXXX have repeatedly called my number, sometimes multiple times a day. They are trying to recover a " zombie debt '' initialized with HSBC in the late XXXX and written off in XXXX, with the AZ statute of limitations limiting such debts to 6 years. They leave a message as a recording ( verified in that I answered some of these calls personally ), violating theTelephone Consumer Protection Act of XXXX as a " robocall ''. I have attempted to rectify this multiple times by contacting them at their website, notifying them of the statute of limitations and asking them to cease calling, which they have not, violating FDCPA. Recent versions of their message imply they are going to proceed with legal action, yet none has occurred, violating FDCPA. To date they have called : * XXXX * Call @ XXXX ( XXXX - XXXX? XXXX XXXX as recording w/ website XXXX  Checked info, was HSBC from XXXX (? ) * Call @ XXXX ( XXXX - Spam? XXXX XXXX ) as recording indicating I looked, but case isnt resolved * Call @ XXXX ( XXXX - Spam? XXXX  XXXX XXXX, same recording as XXXX. Logged in and left chat message that I ( mistakenly believed that I ) had representation, no bankruptcy, and that the HSBC debt was too old. ( AZ statute of limitations is 6 years ) * XXXX * Call @ XXXX ( XXXX - Spam? XXXX XXXX as recording * XXXX * Call @ XXXX ( XXXX - Spam? XXXX ) XXXX recording * XXXX * Call @ XXXX ( XXXX - Spam? XXXX ) as recording * XXXX * Call @ XXXX ( XXXX - Spam? XXXX ) as recording . Logged in and left chat message with the Arizona statute of limitations, also asking to stop calling * XXXX * Call @ XXXX ( XXXX - Spam? XXXX ) as different recording * Call @ XXXX ( XXXX - XXXX XXXX  ) as different recording * XXXX * Call @ XXXX ( XXXX - XXXX XXXX ) as different recording * XXXX * Call @ XXXX ( XXXX - XXXX XXXXXXXX XXXX  ) as recording * XXXX * Call @ XXXX ( XXXX - XXXX XXXXXXXX XXXX ) as recording * Call @ XXXX ( XXXX - XXXX XXXXXXXX XXXX  ) as recording * XXXX * Call @ XXXX ( XXXX - XXXXXXXX XXXX ) as different recording * XXXX XXXX Call @ XXXX ( XXXX - Spam? XXXX ) without leaving a message * XXXX XXXX Call @ XXXX, ( XXXX - Spam? XXXX ) as recording * XXXX * Call @ XXXX ( XXXX - Spam? XXXX ) as recording * XXXX * Call @ XXXX XXXX XXXX - Spam? XXXX ) as recording * XXXX * Call @ XXXX ( XXXX - XXXX XXXX ) as recording * Call @ XXXX ( XXXX - XXXX XXXX XXXX ) as recording * XXXX * Call @ XXXX ( XXXX - XXXX Caller ID ) as recording direct to voicemail * XXXX * Call @ XXXX ( XXXX - No Caller ID ) as recording direct to voicemail * XXXX * Call @ XXXX ( XXXX - XXXXXXXX XXXX ) as recording * XXXX * Call @ XXXX ( XXXX - XXXXXXXX XXXX ) as recording * Call @ XXXX ( XXXX - Spam? XXXX ) as XXXXecording direct to voicemail * XXXX * Call @ XXXX ( XXXX - Spam? XXXX ) as recording direct to voicemail * Call @ XXXX ( XXXX - XXXXXXXX XXXX ) as recording Note : I filed a complaint with the XXXX Police on XXXX for harrassment, report XXXX. On XXXX, I contacted them to let them know that I have reported their harrassing conduct to the XXXX Police, the debt is far out of statute of limitations, to which they hung up the phone. At that point, I officially provided a written request for validation of the debt via their site 's online chat. Also, the XXXX robocall on XXXX was *as I was writing this*. 

These are CONTINUED violations of the FDCPA and TCPA.

Company response to consumer: Closed with explanation