Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I received a call from an alleged law firm. Stating that I owed XXXX XXXX some XXXX XXXX He claimed they had sent me a letter in XXXX. He had all of my information such as my DOB, SSN, email, phone #, addresses, etc. I know this because he read them to me. I was told it was a loan through Beneficial Financial. I expressed that I never had a loan nor did I know who Beneficial Financial was. He claimed it shows I was active with the company at a previous address. ( That is completely incorrect to what he was claiming- again, I dont know that company. ) and the conversation ended with him advising me that Beneficial Finance, years back, used to deal with retail - like when people go door to door selling XXXX XXXX. And yet earlier in the conversation he said a loan. I had also made mention this was not on my credit. The male stated it came off in 2018, which I found odd. Then I receive 3 emails from Documents Couriers. The documents I received are letters mentioned on the phone call. So my thoughts at this point are why cant an alleged law firm send an email from their business. They are filled with red flags. The watermark. The payment link URL. That it looks like a template and the date could be changed to any date. No proof of delivery. And the email disclaimer at the bottom of a document ( not an email ) stating Im not allowed to share the letter with anyone ( third party ). My daughter called the phone # on the letter with her caller ID blocked so they didnt get her phone number. The first 4 calls they answered and hung up. The 5th call a female answered. My daughter stated that I received this document and requested documented proof of said debt because it does not exist. The female asked for the case #. My daughter read the exact case # listed on the document received. The female said what was provided was too long. We advised her we were reading the case # off of their letterhead. The female advised that when my daughter had a better attitude she could call back and disconnected the call. My daughter called back and what sounded to be a female answered the phone and said hellooooo in a miss doubtfire manner. My daughter asked who she was speaking to. The female in return asked who she was speaking to. My daughter stated she was trying to reach a business and it sounded like the female had maybe said this isnt a business but Im not certain because shortly after she had begun to speak, there was a male voice that stated oh my goooooosh and then the call disconnected. My daughter called back and spoke with a male who introduced the call as XXXX XXXX XXXX She stated the same - requested proof of said debt. The male asked for case #. She provided case # from the letter. The male stated that is not a valid case #. She stated that is what is on their letterhead. As she read the header and the signature name, the male stated he did see it. My daughter stated there is no loan/debt. That it felt suspicious based off the calls. So proof is needed. The male stated she would need to speak to the case manager or something similar - I cant remember exactly. After holding for 5 minutes she disconnected the call. The alleged firms behavior was suspicious. I then tried to XXXX search the firms information. I was unable to find any results. It appears these people are trying to scam thousands from people under the guise of some non-existent debt by citing all the potentially leaked information theyve gained to appear more valid.

Company response to consumer: Closed with explanation