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452 Fifth Avenue
New York, NY 10018

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HSBC Bank USA NA is a company that offers a wide array of lending options. Many Americans like you are being contacted by collection agencies hired by HSBC Bank USA NA who are trying to get payments on defaulted accounts. Even though you may owe a debt to HSBC Bank USA NA or the collection agency it hired, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged HSBC Bank USA NA account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.


    1. Donnie G. on April 25, 2015 at 9:01 pm

      HSBC Bank USA NA is experiencing numerous glitches to their system. One, payments to HSBC Bank USA NA fail to process, being deducted from my checking account but not being reflected in my credit card balance. Two, interest fees being incorrectly charged by HSBC Bank USA NA due to these payment failures. Three, late fees being incorrectly charged by HSBC Bank USA NA due to these payment failures. It seems I’ve spent a week on hold with HSBC Bank USA NA with no resolution.

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