Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
No reference to account delinquency was communicated until XX/XX/XXXX, XXXX months after the XX/XX/XXXX letters closed my business credit card. Branch manager XXXX claimed having no knowledge of XX/XX/XXXX, XXXX letters, or of the business card premature closure about XX/XX/XXXX, counter to XX/XX/XXXX, XXXX letter stating all accounts were to remain open until XX/XX/XXXX. 
My business credit card was given covid waiver by XXXX or XXXX in XXXX during the months leading up to Hsbc 's XX/XX/XXXX letters. 
Hsbc falsely claims delinquency for closing all accounts on XX/XX/XXXX, XXXX months prior in XX/XX/XXXX 's collection letter. 
XXXX asked repeatedly, to no avail, for a business relationship banker to replace XXXX XXXX after he left Hsbc on XX/XX/XXXX. Being without a dedicated business relationship banker for over XXXX months, XXXX was not equitably represented in financial matters by branch manager XXXX. 
Lacking just cause to close XXXX 's accounts, from branch manager gaslighting XXXX, while Hsbc 's customer, from his experiences with the branch, XXXX 's accounts were closed due to the branch and it's manager holding commonly shared, rumored perceptions of XXXX as vulnerable from his spouse 's separation on XX/XX/XXXX and passing on XX/XX/XXXX, conveyed by XXXX 's business relationship manager XXXX to other hsbc bankers, from XXXX 's supervisor paying for all four lunches with XXXX. 
Given XXXX 's knowledge of XXXX 's business resources, coupled to XXXX 's disclosure of personal anecdotes shared by XXXX over lunches of XXXX 's spouse passing, allowed the branch manager to fabricate a false pretextual narrative for closing XXXX 's accounts to unlawfully force an early repayment of XXXX XXXX business credit card balance. 
XXXX XXXX is not personally responsible for a business credit card balance, which is in the name of a sole proprietorship dba, XXXX XXXX. XXXX XXXX XXXX, in representing hsbc as a financial institution, told me that I " did not have to repay the business credit card debt '' and, further, that I could not be held liable for hsbc 's business credit card. 
Hsbc 's interactions with me, comprised a bait and switch scam strategy to gain my personal information. Hsbc 's leveraging my personal information was not an isolated bait and switch operation, but one in a so-harmed class, as hsbc was fined XXXX of dollars for customer information breaches shared by bank personnel on whatsap, explaining my gaslighting and my counterclaim for damages against hsbc. 
By hsbc 's privacy breach of XXXX 's personal information, hsbc committed acts of discrimination against XXXXXXXX XXXX XXXX protected bases, of being elder, widowed marital status, fixed, low income, XXXX XXXX XXXX and social class status, in violation of the Equal Credit Opportunity Act. 
XXXX urged branch manager XXXX in email to maintain the level of XXXX 's fusion account interest XXXX that was stepped down to cover Hsbc losses from XX/XX/XXXX 's repo crisis. XXXX 's assertion is that Hsbc 's closing all of XXXX 's accounts was a deliberate, retributive act by branch manager XXXX to gaslight, defame and defraud XXXX. 
Hsbc remained silent on XXXX 's factual depictions, assertions, choosing not to address XXXX 's concerns of the lead-up to account closing, rather, hsbc XXXX XX/XX/XXXX 's letters to enure and encumber XXXX with unjust debt. 
XXXX 's concerns asks that an internal investigation be undertaken by Hsbc of all of XXXX 's concerns. 
By closing my business credit card, hsbc made my credit card balance burdensome causing me extreme hardship, loss, and harm to my sole proprietorship, under which hsbc opened my business XXXX XXXX credit card. hsbc failed as a financial institution to protect my financial health and interest.

Company response to consumer: Closed with explanation