800-392-0986

Say they are with HSBC calling about a charged-off account

HSBC collector

Picked up.
No speaking

They say they were HSBC and acted shady they asked for my ssn

Called said I had an 8,000$ unpaid credit card from 10 yrs ago... had my info but I've never had this card.. claiming to be from HSBC collector

Also had the same experience with the unpaid credit card from 10 years ago.  Also had my info and I also never had this credit card.  Beware.

Same to same. I called HSBC, they said there is no card issued against me and no balance unpaid. They also said  1800-392-0986 is not their number.

They called from 855-374-7435 Called my brother and my job saying they are trying to serve civil suit for a debt from 2007 which I never had.  Their address is a PO box out of a UPS STORE and claim they are Bradley and  Meyer associates and the demand letter i got them to email me shows the email domain is phony.  Told me I had 72 hours or they are filing suit and I will get arrested.  After further investigation they gave me this 800# to get info on my debt that they didn't have, he only had the amount owed and it will be in the discovery packet i'll get served but if i pay they will drop the suit. LOL Nice try.

Also I discovered on Equifax my info had been compromised when they got hacked.

some called twice from 360-940-1484 said they are calling on behalf of hsbc to settle someone. First need to confirm my address.  I refused and ask them to tell hsbc to call me directly.  They said their company toll free if 1-855-787-9321 and I could call hsbc at 1-800-392-0986 to confirm this where hsbc will required me to talk to him !!!

Got a call saying HSBC was suing me for credit card debt from 17 years ago that I don’t remember and that I had to call this number800 3920986 said I was being sued but could they were willing to except half to not go to court. Now they keep calling relatives and saying they’re trying to deliver documents.

They cannot legally sue you in any state for a debt that old.

One of the tricks they use is to call your family, friends, neighbors and/or places of employment (past or present or both) to create panic and embarrassment so that their intended victim calls them so that they can scare that person into paying extortion money.  They will usually also state information that would be illegal for a real debt collector to state to department and tell them that you are a deadbeat who does not pay their bills. They often call people that have never even been a third party such as that you are being sued, that you owe money to someone, etc. They threaten that if you do not call them back, they will contact your HR associated with you because they get erroneous information off the internet.

The fake process server/location finder extortion SCAM usually consists of the following:

They mention that they have received a Fax document or some sort of complaint and that there is a pending legal matter or action about to filed against you to create the sense of urgency. They tell you that they are a “process server” and cannot give you the particulars of the case since the file is sealed. This is simply ruse to get you to call another number (often with a made-up case number) where they will ask for money to “make it go away” (this is actually the same place, they work in teams, one pretending to be the server, and the other usually pretends to be a lawyer). They threaten to serve you at home or at work. They tell you that if they serve you at work then they will need a supervisor, security, or HR person there as a witness, hoping that will cause you to panic over the alleged embarrassment of being served at work. They also tell you that you will need two forms of ID. None of which is true. Process servers do not ever call ahead so that you can dodge them. Process servers get paid to serve papers, nothing else. They certainly are not going to pass up a paycheck by telling you that you can avoid being served, they are not going to give you an extra day or even a few hours to get a “stop order”. Court documents are time sensitive and must be served within a certain amount of time. Remember that you can always call the local courthouse to see if there really is a lawsuit that has been filed against you.

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this communication must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices: https://800notes.com/faq/attorney-general

Statute of Limitations by state:   http://www.nolo.com/legal-encyclopedia/statut ... hart-29941.html
https://www.fair-debt-collection.com/sol-by-state.html