Date Received: 2017-05-10T00:00:00
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: issue started with hsbc i n XX/XX/XXXX / XX/XX/XXXX and several collection companies. finally after years of being harassed I got it taken care of thru your agency. But like a bad dream it is back on as a new credit card collection syarting in XX/XX/XXXX and companies are harassing and threating me. I had documents from HSBC that were destroyed in hurricane that was letter from company back years ago stating not mine. it is now being reported as new collection from several companies. One company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX in my old file with you last year is a copy of the letter from them.. this account is over 9 years o ld a nd continues to come back and ruin my credit. please contact me asap XXXX
Company: HSBC NORTH AMERICA HOLDINGS INC.
State/Zip: FL 321XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2481587
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.