(559) 394-9040

Customer Details

Telephone number formats: 394-9040 (Local dialling)   (559) 394-9040 (Domestic dialling)   +1-559-394-9040 (International dialling) 

1 Report For (559) 394-9040

Report by Jesse Long ago Unknown
Calls all the time. Does not leave any message.

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Latest Reports From Similar Phone Figures.

713-955-9265

9 Report Long ago Unknown
We've gotten several calls from "URS" asking for my wife by her maiden name.  They've repeated demanded our mailing address after giving us no reason for the call.  They attempt to justify their call by giving a "last known address" for my wife - which she has never lived at.  They're rude, demand private information, and they give us no reason for calling besides "it's a personal matter."  I suspect this is a legitimate debt collection agency with poor business practices.  In our case, my wife has a common name and they either have the wrong person, or won't bother to give us enough information to prove they DO have the right person. Annoying.  http://www.unitedrecoverysystems.com/

713-955-9265

9 Report Long ago Unknown
appears to be a pattern - 281-901-6990/1/2/3/4/5/6/7/8/9 -- 281-891-4038 1/2/3/4/5/6/7/8/9/0 -- 305-368-8874/5/6/7/8/9/0/1/2/3/4...United Recovery appears to be buying old debts, and has blocks of phone numbers as their phonebank...."V22512390300091" is what is listed as the caller ID.

713-955-9265

9 Report Long ago Unknown
United Systems Recovery  . . . ??

800-684-8429

384 Report Long ago Unknown
I was looking through this site and I noticed awhile ago that Tommy, with the big house and $100,000.00 car kept coming back here and beheading people.  He asked someone why they were trolling this site, if they didn't owe any back payments.  I just want to know why Tommy kept coming back to troll this site?  Tommy, get a real life and enjoy your nice car ... (probably an old Gremlin or Pacer)

800-684-8429

384 Report Long ago Unknown
It is a card holder company. Agree 8-10 times a day is crazy. Their 800 number is FREE for you to call but cost the company $$, so call them back and stay on the line long enought to get to an operator and then hang up.

800-684-8429

384 Report Long ago Unknown
British bank HSBC has agreed to pay $1.9 billion to settle a New York based-probe in connection with the laundering of money from narcotics traffickers in Mexico, U.S. authorities announced Tuesday.This is who you support when you give HSBC any money.  They are crooks and you have no obligation to pay them any debt owed.

800-684-8429

384 Report Long ago Unknown
Capital One has higher fees than HSBC and is more aggressive about adding them on. ON the other hand, the CO payment system was always more friendly than HSBC. If you try to pay on the due date with HSBC, they ding you for a $15 "rush" fee to avoid the late charge ($25). Capital One was always good accepting payment on the day of the due date.

800-684-8429

384 Report Long ago Unknown
This is HSBC however HSBC/household bank was in trouble and they sold most of their credit card brands to Capital One, so it is still "HSBC" brand but it is actually now under going transition to Capital One (and now owned by them).  Apparently the will continue to license the HSBC brand name for the cards, and all the numbers will continue to remain the same however.Big new fact though.  I know they are sending out letters to SOME customers informing them of this, but not all.  I think it is mainly affinity programs that are getting the notice. As far as if Capital One is Better or Worse than the "orginal" hsbc/household bank, not sure, but as a rule seems that those brands that advertise a lot or use mass media tend to be lower rated in customer satisfaction, and never heard anything particularly good about Capital One

800-684-8429

384 Report Long ago Unknown
I continue to get calls from these people too! at least 5 a day! Is there any way to make them stop?

800-684-8429

384 Report Long ago Unknown
I kept getting calls to and so I finally called the 800 # back and got an automated response saying they have identified my acct # based on the # I was calling from (the one they keep calling) and it also told me the last 4 of the acct holders SS# and said if i wasn't that person to hang up. I didn't & pressed 0 like 2 or 3 times and got a live person and explained to them that I wasn't who they were looking for (and i wasn't cuz my last 4 weren't the ones listed they had) and told them to cease calling me ASAP or I would report them to National Do not call and debtor complaints because I have the logs on caller id as to when and how many times they called me. They apologized and said they would take my # out. We will see though....

800-684-8429

384 Report Long ago Unknown
This is annoying. Calls early and late into the night.

800-684-8429

384 Report Long ago Unknown
Lets see what would happen to their phone system if each Sunday we all called them at least twenty five times?

800-684-8429

384 Report Long ago Unknown
I get 2 to 3 calls a day from this number and EVERY time I answer it there is nobody there, just an open line. Now I don't answer it but I am tired of them calling me. I have an account with them but the payment comes out of my checking account automatically so I can't imagine why they are calling....and I don't care. I am going to contact my phone company to block them from calling me.

800-684-8429

384 Report Long ago Unknown
I was getting the same calls and couldn't figure it out since I don't use HSBC for anything and have no CC debt. But then I remembered that I'm also using Google VOICE for craigslist and stuff like that for forwarding to my real number (when I sell something or whatever). so if you use Google Voice this may be forwarded from the last user.

800-684-8429

384 Report Long ago Unknown
3or 4 times a day, you are lucky, I get about 5 a day plus about 15 from800-395-22774 which is also HSBC

800-684-8429

384 Report Long ago Unknown
You can simply contact your MP/MPP for assistance.  They can verify who live in your household and who's not. How ?  Voters list. Almost every Canadian citizen over the age of 18 are on that list. They even got the address, phone number & date of birth of each individual. Unless the collection agency is looking for a person who is under 18 of ago or homeless, then you are out of luck.Ask the name of the agency, name of the person(agent) who handle the case & the case number. Call your MP/MPP, ask him/her to contact the agency on your behalf. Trust me, most MP/MPP are willing to help. Cause you know, there is no free lunch. When it's election time, you know who you should give your vote to.For people just want to block unwanted telemarketing calls. Please check out my post @386-233-3694

800-684-8429

384 Report Long ago Unknown
They just called my company, the fone rang seven times, when we finaly answered the fone, the lady was rude asking for him when we informed him he was not here he will be in two hours, hung up and called back. same lady very rude requested to speak to manager, manegre called back , informed i lost a deal do to this mix up, informed her to leave number, to have him call back infored they where beng abusive with the matter, ... she refused to hang upo the call and using practices that where misleding with me tied me up over twenty minutes on the fone and refused to give me information to this individuals where abouts..

800-684-8429

384 Report Long ago Unknown
Same scenario, this number calls morning, afternoon and evening seven days a week. The answering machine is on but no message left. We shut off the answering machine and any calls coming in, we now don't answer the calls especially if no caller ID.

800-684-8429

384 Report Long ago Unknown
Block the number from your phone.

800-684-8429

384 Report Long ago Unknown
Just activated a cell phone yesterday with a new Number, and I got a call from these guys already, hope this doesn't keep up.

800-684-8429

384 Report Long ago Unknown
Just got call from that # TOO.. AND NO MSG..HOW IRRATATING!!!!!

800-684-8429

384 Report Long ago Unknown
oh what fun you are having. LOL. Thanks for the great idea....:)

800-684-8429

384 Report Long ago Unknown
It is HSBC.  I have never had an account with them, they are trying to contact the prior user of my phone number.  I don't know who she is.  I make up numbers and give them to them, explain that she is traveling due to winning a small fortune in Vegas, that she is in a Russian prison, that she is Bernie Madoff's cousin and in in DC to testify, ect.  I am really enjoying this. I could be years before they figure out it is BS.  They are soooo stupid...

800-684-8429

384 Report Long ago Unknown
oops... cut myself off.  If you have verizon, you can block this and any others you wish under your phone security settings. I'm less than 30 days late on a payment of $40 but being its rough economic times, its affected even small payments. They are computers that constantly redialing and attempt to connect you to a service rep so she can tell you something you already know.

800-684-8429

384 Report Long ago Unknown
This number is HSBC Credit Card Co and Orchard Bank.  They are calling me because I'm late on a payment - as if I didnt know...  If you

800-684-8429

384 Report Long ago Unknown
That other poster is abvsolutely correct, it's HBSC credit services.

800-684-8429

384 Report Long ago Unknown
It is 5:50pm and i have received 6 calls so far today starting at 8:13 am this morning and then again at 8:59 am

800-684-8429

384 Report Long ago Unknown
I have the misfortune of getting two of these cards to build back my credit after a divorce. The only thing to do is pay them off, close by consumer in formal writing, reqisterd mail return receipt, get on the do not call list and also on the "opt out" list so your information is no longer shared with marketing companies. This does NOT stop them from selling it to bill collectors, and any time you open a bank account or apply for credit you give your phone number, so the credit agencies get your information, and they also have your employer listed on the credit file.

800-684-8429

384 Report Long ago Unknown
i was getting calls from these guys constantly for a week straight, after answering once yelled saying my payment is in the mail. She told me that i didnt have to mail it but could have Wired teh money to a certain mail box as it would of been much faster. she then verified my phone number and the next day the calls started at 6am, and continued every 20 minutes after that.  i answered one last time with foul language and they laughed and hung up. i ignored the call for a week, till i gave up and changed my phone number.  i refuse to give my phone number to any CC people, they wanna contact me they can do it by emailthat was my way of solving their annoyance :)

800-684-8429

384 Report Long ago Unknown
Amun,I am so sorry you have to go through the torture from this company.  I too am in the same situation where I lost my job and unable to pay what they are requesting.  HSBC are like vultures preying on the already beaten down just waiting to eat your dead bones!!! It's ridiculous how many times they constantly call.  Over and over and over and over again.  They start at 8:02am and end at 8:57pm.  It's pathetic.  Constantly calling people who supposedly owe you money won't make it come in any sooner!!! I have chosen to pickup the phone and just hang it right back up or don't answer it at all.  They are thoroughly annoying. Arghhhh!!!!!!!!!

800-684-8429

384 Report Long ago Unknown
This number calls me several times a day, EVERY day. If I do not answer the phone, their autodialer hangs up on the answering machine, and if I do answer, their people hang up on me. Then the system calls me back in about 4-5 minutes, and we go through the whole process over again. It is getting REALLY old. I counted the calls one day and their were 28. TWENTY god damned EIGHT phone calls in one day! They start at exactly 7:45am every day, and end somewhere around 9:30pm . I find it very annoying, particularly because after years and years of working night shift, I sleep in the early daylight hours and am up all night... so typically I'm about one hour into sleeping and the phone starts ringing.Yes, it is HSBC. And I do actually have a credit card through them. The card is technically late in payments. I lost my job and have little to no income, so I've been sending what I can. It just doesn't add up to what they want. So on the occasions when they do NOT hang up on me, I go through the whole argument with them about the debt, and they try to tell me I need to sell everything I own (which is precisely nothing) and send them the money, or get a friend or relative to take out a loan to pay them, etc. etc. - very unreasonable.So after talking to them, hang up, wait an hour or so, and they will call me back and go through the entire thing over again. One day I talked to their agents FIVE TIMES. All for the same damned account! I even got the same person twice! And when I told them I had already spoken to them they told me they hadn't called me since the week before and that I was obviously mistaken.  o.O  Also, one delusional operator from this company had the nerve to tell me that the economy is presently stronger than it has ever been, and unemployment is at all time lows, and that if I am unemployed it is obviously by my own choosing. Crackhead!After that I just stopped answering. Now I answer the phone for nobody. I let the machine pick up and if it's someone I want to talk to I will call them back. If God himself were to call me, he'd have to leave a message!

800-684-8429

384 Report Long ago Unknown
HSBC Cardservices! They call all day long and usually twice in a row. The operator NEVER speaks good English either!

800-684-8429

384 Report Long ago Unknown
800-684-8429 is HCB Card holders.

800-684-8429

384 Report Long ago Unknown
Yes they do. Best Buy is one of the cards that is owned by HSBC.

800-684-8429

384 Report Long ago Unknown
HSBC owns several banks, including Household Bank.

800-684-8429

384 Report Long ago Unknown
I have been getting the same pain in the neck phone calls all day long on my house phone and now my cell phone.  I looked them up and I don't even have one of there credit cards.  I joined the DO NOT CALL registry and they seem to be calling even more.  I wish I could call them 100 times a day starting at 8am until whenever.

800-684-8429

384 Report Long ago Unknown
I get them on my cell as of today and yesterday - its so annoying!

800-684-8429

384 Report Long ago Unknown
yes, these people are terrible- constant phone calls to the point I unplugged my phone... as long as they dont get the celll numbers in which case I would drive to their main office and punch some people in the face...

800-684-8429

384 Report Long ago Unknown
i get calls from this number costantly if HSBC i don't have an account with them or any other credit card just wish they would leave me alone.

800-684-8429

384 Report Long ago Unknown
like sarah this number i am getting calls as late as 2 in the morning.this has made it impossible for my doctors to reache me along with andy other need business that i need to take care of

800-684-8429

384 Report Long ago Unknown
Go buy a digital cordless phone with a programmable ringer feature, then program the CID contact info i.e. '1-800-what-ever' into it with a 'no ring' ring.  A decent 1x handset model with enough silicon in it to provide that feature shouldn't run you more than $45.....enjoy!

800-684-8429

384 Report Long ago Unknown
I totally agree! I have this number calling from 7am to 9pm every day! How do we stop it!

800-684-8429

384 Report Long ago Unknown
what a pain

800-684-8429

384 Report Long ago Unknown
The calls are still going around. I just started getting calls from HSBC last week about 4 times a day. This is to my work number and I dont have an account with HSBC or ever been in one of their buildings. I call the number back with goes to India first off where they will transfer you to the US customer service department for removing you from there call list. I dont know if this works after talking to one the CSR here but they say they will remove my number from their call list today.

800-684-8429

384 Report Long ago Unknown
It does help!  And yes...they call constantly...even on Sunday.  This past weekend from Friday night...yes after 9:00...until Sunday at right at 9:00...they called my phone 22 times.  Every other time I anwered and once even waited almost 2 minutes and no one would say anything.  They never leave a message.  They only way I knew who it was was through this message board!

800-684-8429

384 Report Long ago Unknown
No actually it is not. Some credit cards require references when you apply and if they used your name and phone number as a reference then it is perfectly legal to get calls for them.

800-684-8429

384 Report Long ago Unknown
i agree most neighbors may not even know each other that well these days, may not want you getting messages pertaining to thier business you know.

800-684-8429

384 Report Long ago Unknown
I would tell them "since when do I work for you"?I do not get paid to be your message service.wake up people! Don't do free work for them.

800-684-8429

384 Report Long ago Unknown
calling a neighbor of a debtor has never been against the law as long as they don't give you exact information about what they are calling for, but they can relay a message with anyone with call back information hoping that you will get the message

800-684-8429

384 Report Long ago Unknown
if they are calling about a neighbors bill that is against the law.

800-684-8429

384 Report Long ago Unknown
Yes, you are all right, it is Household bank, Yes! even if you are not late with your payments and even if you don't have a CC with them. First, if you have a card with them and are not late, they want to set up a payment, to help them with the cash flow.( So many people have defaulted) If you are late, I am soooo sorry they will not stop, from early in the morning till late at night and yes on sunday, even very early morning. If you don't have a card, maybe your a neighbor of someone who is late and they are trying to contact them. All of these calls are coming from over seas, when you frist pick up it takes a few minutes for the satelite to connect you so at first it sounds like no one is there, but there is. please note, most of these calls are from this 800 number, but wait, if they never get a peson on line, they will re-route they calls from a local area code in your neighborhood and it will say "Gateway Call" . lets say you live in a 212 area code, the caller ID will say Gateway Call and the numher will be 212-xxx-xxxx so you may think its a friend or other business call but it will be them. Good luck people I hope this information helps you

800-684-8429

384 Report Long ago Unknown
The Do Not Call Registry does not apply to collection calls.

800-684-8429

384 Report Long ago Unknown
Does NO good I am registered!

800-684-8429

384 Report Long ago Unknown
Same here, I do not have any dealings with any credit card company still I get 20 calls a day from this company they ask for someone who doesn't live at this address, I have answered and told the person on the other end that this is a wrong number and the person just hangup and call again 10 minutes later, I have not answered, let the voicemail answer and have turned on my fax, still no messages have been left and they continue to call until 9:00pm and start calling at 8:03 the next day, it is very annoying, this has been going on for about six months and I am on the DNCR.

800-684-8429

384 Report Long ago Unknown
Companies do not call that many times throughout the day for no reason. You obviously have something that that has to do with the company.

800-684-8429

384 Report Long ago Unknown
HSBC servivces credit accounts for many companies such as Home Depot, HFC, GM, Orchard Bank, Union Plus, Best Buy, and many others.

800-684-8429

384 Report Long ago Unknown
After reading many messages I just called back the numberthat has been calling me, I pressed 0 and stayed on the line a girl came on and I told her to take my number off her d... list I have nothingto do with Capital One, she checked and said it was a wrong number and she would take it off.

800-684-8429

384 Report Long ago Unknown
Same here.  Orchard bank. Late ONE payment... they're scratching for $15 USD... are you for real?  ugh. I missed one, and you'll get it on the next statement date... get over it, lol.

800-684-8429

384 Report Long ago Unknown
You hit the nail on the head. I get a ton of calls from this number as I am late ONE payment. It is Orchard Bank.

800-684-8429

384 Report Long ago Unknown
i have no credit cards of any kind nor do i want them why do they keep calling?!!!!!!

800-684-8429

384 Report Long ago Unknown
You might want to check your store credit cards.  HSBC holds many of them.

800-684-8429

384 Report Long ago Unknown
I have been registerd with DO NOT CALL since the beginning.  For me, calls from this number just started a few weeks ago.  I have not and never have done any business with HSBC.  I have no clue why they would call me.  I have tried ignoring the number, tried answering it in hopes of telling them to GO AWAY.  No one is ever there.  I've tried to call them back.  But the number must not accept incoming calls.

800-684-8429

384 Report Long ago Unknown
why don't you register with the do not call registry?

800-684-8429

384 Report Long ago Unknown
They call me everyday from three different numbers. Each number calls   5-7 times a day. It is annoying and it is harrasment. I called to removemy number and after a removed it the machine said it could take up to 60 days to remove it from there system. Thats Bull Shlt

800-684-8429

384 Report Long ago Unknown
Be very carefull. This company tries to "sell" you services like shopping discounts, insurance, etc. to "fill" the card so you have no available credit, and they either own all the services they are selling to you or get a percentage. Its a control method so they reap all the benefits of having you as a client plus charging you a ton of interest so you may not be late paying, etc. they are just trying every trick in the book to fill up that card.

800-684-8429

384 Report Long ago Unknown
I get an average of 12 calls a day from them. I just opened an account and am awaiting my first statement. They call to get payment before they have even sent a statement out! I am going to pay it off!! Hopefully they will not call anymore.

800-684-8429

384 Report Long ago Unknown
Someone sold your information then.

800-684-8429

384 Report Long ago Unknown
get you a telezapper from ebay $25.00

800-684-8429

384 Report Long ago Unknown
i know what you mean i was getting calls too if you have toast.net internet service it has a phone sevice that comes with there internet service for free then you can block the calls

800-684-8429

384 Report Long ago Unknown
Could you forward info you have on how to stop these calls?  Thanks

800-684-8429

384 Report Long ago Unknown
Please tell me about your solution ---- They are driving me nuts, and I don't even have an account with them.

800-684-8429

384 Report Long ago Unknown
I too have an Orchard Bank credit card but have made my payments on time. Even though they are made on time I receive phone calls from HSBC at least 10 - 12 times a day. They never leave a message. If I answer and say Hello, they say Hello and hang up. I wish they would at least let me say something so I can give them a confirmation number of my payment that had been made ON TIME. I only have a cell phone so if you do answer the call it uses your cell phone minutes.

800-684-8429

384 Report Long ago Unknown
I have never been late on my credit card until recently My Mother passed away and before I left to take care of the funeral arrangements,  I forgot to pay my credit card bill, Orchard bank and Now I get phone calls constantley the day i was in the Funeral Parlor they called my cell phone 17 times the day we buried Mom they called 26 times I am mourning you b*****ds.  I was so pissed I threw my cell phone in the lake    This is not right they should not be aloud to call like this.  Some body needs to do something.

800-684-8429

384 Report Long ago Unknown
The number is HSBC who services a lot of credit cards companies as well as best buy. Even if you keep all your card payments current it will not matter. If you close your card account it will not matter. They say that if you have ever done business with the the companies they service that it states in those lovely contracts that we agree to giving HSBC the right to solicit via the number we provided in the contract. They are legally protected and we have unknowingly given them the right to call us. I hate to be the bearer of bad news. I have simply saved their 800 number and their 713 number that they have been calling me from and blocked those numbers on my phone. That's how I quit getting their calls.

800-684-8429

384 Report Long ago Unknown
The number is HSBC who services a lot of credit cards companies as well as best buy. Even if you keep all your card payments current it will not matter. If you close your card account it will not matter. They say that if you have ever done business with the the companies they service that it states in those lovely contracts that we agree to giving HSBC the right to solicit via the number we provided in the contract. They are legally protected and we have unknowingly given them the right to call us. I hate to be the bearer of bad news. I have simply saved their 800 number and their 713 number that they have been calling me from and blocked those numbers on my phone. That's how I quit getting their calls.

800-684-8429

384 Report Long ago Unknown
Opps... I should have read further down.  Yes, it's linked to some type of revolving account.

800-684-8429

384 Report Long ago Unknown
I started receiving calls on my cellphone and found these posts.  The only thing that I can attribute to this is that I am a few days late on my Orchard Bank credit card to which HSBC is the servicer of the card.  Anyone else have the same common factor??  (They don't leave messages either and I have not picked up.  I'm going to be making a payment soon and will see if I continue to receive calls from this number.)

800-684-8429

384 Report Long ago Unknown
This number and about 100 other numbers are HSBC's consumer whitelabel credit division.You might not think that you have an account with HSBC, but if you have a revolving credit account with just about any major retailer in the U.S. you have an account with Household International, the parent company of HSB Consumer Credit.Some Retailers that 'buy' their credit from HSBC:BestBuyTargetWalmartNeimen MarcusMacysSteinmartFYEAnd about 100 others, so no you might not directly know you have a credit account with HSBC, but you actually do!Report them to who ever you want to, the only way to get rid of this predator is by paying off the debt and canceling the card, even then you won't be safe

800-684-8429

384 Report Long ago Unknown
We have been recieving these calls non stop latley on our cell phones.  Our numbers have been registered twice on the no call list in the past 3 years. Isn't it illegal for soliciators to call when our number is on the no call list?

800-684-8429

384 Report Long ago Unknown
Ana,  The best thing you can do at this time is to put all your phone numbers, including cell phone numbers, into the Do Not Call Registry.  Once you do that, give it the 30 days they request for this service to take hold.  From there, monitor all phone messages, write down all phone numbers give in voice mail, the time the call came in and of course the day/date.  Make as many complaints to the Do Not Call Registry as possible.  After alot of looking around, this phone number belongs to a place called Card Services.  I am assuming that this is a credit card company of some sort.  Make sure that you do not have a credit card through this company before filing any complaints.  If you do have a card through this company, it might be assumed that they are calling you due to some sort of solicitation or late payments.  Always document, document, document.  Its the only way to catch them at their own dirty little game.  I too am getting phone calls from not only this phone number, but a couple of others and sympathize with you 100%.  Good Luck.

800-684-8429

384 Report Long ago Unknown
Please share method used to get rid of these calls.  I am getting no less than 30 of these calls per day, even on Saturday and Sunday.  It is driving me crazy.  Thanks

800-684-8429

384 Report Long ago Unknown
I'd like to have that information too. Since January 15th they have called 167 times. Its beyond annoying.

800-684-8429

384 Report Long ago Unknown
please tell me about this number

800-684-8429

384 Report Long ago Unknown
randy can you tell us all how to get rid of these calls.....

800-684-8429

384 Report Long ago Unknown
i have had the same problem with this company and i got a solution for it as well because it is harsment i would be glad to give you the imformation you can text me at the hoo at randyt42025

800-684-8429

384 Report Long ago Unknown
These ba$tards call me up to 15 times a day.  Like many of you, I don't even bother picking up the phone (I don't pick it up for ANY "Unavailable" type call).  I am also, like many of you, a victim of getting these calls even on the weekends.  It doesn't matter the day, the calls begin early in the morning and continue until 10:00 at night.  No messages, so I'm assuming either the call isn't that important (so why call then??), or more likely it's computer-generated ( I HATE lazy-a** automation!).  Here's the kicker:  If it IS a credit card company, I don't even HAVE a credit card!  I've never owned one in my LIFE!  I have no outstanding debts or loans, and nothing on my credit report.  I wish I had Call-Block available in my area.

800-684-8429

384 Report Long ago Unknown
I get calls all day long, Sundays, it doesn't matter, they never leave a message and shows no infomation on the caller ID.

800-684-8429

384 Report Long ago Unknown
Put yourself on the "Do Not Call List"   If they are calling your cell block the number

800-684-8429

384 Report Long ago Unknown
Not entirely true. State laws supercede federal laws if they are stricter, such as Washington, which has a three-call-a-day rule. Doesn't matter if we speak to them or not. Also, one contact. If they hang up, talk to us or we leave a message, no more calls for the day. And, no more than three contacts per week. Debt collectors are supposed to know which states have which rules before they call. I also used to telemarket and our auto dialer would notify us if we were talking to someone who lived in a state where there are no rebuttals (you offer a service, the customer says no, and you say, "but Mr. Jackson, don't you know blah blah blah...). My point being, FDCPA laws are a minimum standard and states can issue standards higher than the federal ones. Best bet is to check with your states collection laws.

800-684-8429

384 Report Long ago Unknown
sorry buddy but it is a violation of law and you CANNOT call 20 times a day even to those that owe you money, in fact more times then not the Judge will drop the owed payment in a heartbeat if they catch folks like YOU calling people 20 times a day. Once it goes to court the person can and does often enough file a counter suit, not only are the payments dropped that are owed but the harassing company has to pay a fine and debt to the person that they committed the offense to. You are trained to think that you are in your jurisdiction to do so but you can be suit collectively as a company and PERSONALLY too !!! I know I use to be a para legal for an ACLU attorney amongst other things.  No matter if it is a debt collector or not, you do not have the right to intimidate, nor lie on the phone, nor harass, badger or threaten with lies to get an address or anything of the sort. YES many of these debt collectors do nefarious things like sell the information to others as well, they have no idea how much damage they can cause by being as criminal as those that cannot pay their debt, actually MOST folks would pay if they could, if they do not its because our nation and world economy has been sold out and trodden under foot. Nobody would not refuse to pay if they had the money and YET bill collectors torment and harass, thank God there are some awesome judges that are doing their part to stop this. A criminal is a criminal no matter what side of the desk they sit on. Its criminal to harass, there are U.C.C codes that protect the right and liberty of people UCC Title 18 Section 241 & 242 explicitly states this. And a person can actually pay a heavy fine of thousands of dollars and jail time for doing it. Folks need to learn their rights and pursue them fully to stop crooks of companies from harassing, using their personal data and also for not following laws and rights of the person in debt, there are ways to handle it but harassing is not one of them... Got it  java... To those that need advice, go look up taping laws and then find out your state laws, usually if you are apart of the conversation you can tape, you can also just point blankly state to the collector hunter that you are taping and then see how they either turn their call to sicky sweet or hang up faster then tomorrow. They usually always state that you are being taped, you too can tape and let them know it too... This way when you they call and say Hi I'm with blah blah company, that will already be on the tape, then you can state up front you are taping too, then if they refuse to give you their name, their location, their extension, their supervisor , or any of it, you got a HUGE case for court !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  taping is not illegal and often if you check the laws out they are very clear on it, you can also use the tape for documentation to keep your notes clear and write the entire tape down as well, so you not only have a tape but it in written form for the judge to view.. A good attorney will use it FAST, an unlearned one will not understand how to use tapes, most attorneys do though.

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384 Report Long ago Unknown
"They can call twenty times a day and it is still legal"Actually, no.  They cannot do this.  If either you or your fiance call me or someone like me who knows which end is up, like that, you'll find out exactly how expensive a mistake that was!  Not only is a calling schedule such as 20 times a day excessive by FDCPA standards, it is also a violation of telephone harassement statutes.Apparently you are not so 'well aware' of your limitations as you think you are."If there is a debt owed then we can call as many times as it takes to get you to answer. "Again, no you can't.  The law is that you are supposed to get something in writing - a demand letter - out to the person from whom you are attempting to collect within 5 days of that first call.  Substituting that legally required letter with more phone calls only makes you all that much more vulnerable to prosecution under the FDCPA.  It's $1,000 per call under the FDCPA and $1,500 under telephone harassement statutes.  If you don't believe me, see for yourself.  Contact the FTC and the FCC.

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384 Report Long ago Unknown
It is a violation of F.D.C.P.A to repeatedly call consumers who do owe on a debt, and when a collection agency violates that law that collection agency can be fine up to $1000 per incident. It's called harassment!! And there are laws against this...Read up on it!!!

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384 Report Long ago Unknown
Wrong!!! If you call someone contantly and they ask that you STOP calling and instead send a letter reuqesting recoupe for the dept...you HAVE to comply, stop calling and instead send them a letter. You can send as many as you want but if someone requests you stop calling there number and you continue...that's harrassement and is punishable by law. They can bring up chrages againts you and your company.

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384 Report Long ago Unknown
Bullsh1t  you and your fiancee' can eat bird doo

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384 Report Long ago Unknown
Actually, if someone answers your call and informs you that they only want to communicate through written correspondence, you can't call 20 times a day.  You would be breaking the law.You sound like another one of the revolving door employees who are given 2 hours of training.

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384 Report Long ago Unknown
Your incorrect in your notion that "your" company does not call on Sunday or requesting that my number be removed from their autodialer. I don't have a credit card or anything else with HSBC nor would I as they are crooks, however; they call me incessantly all day long. Either they don't know how to leave a message on voice mail or they just refuse. Mostly it is from overseas.

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384 Report Long ago Unknown
So let me get it straight. If I were a collector and I called you 10 times a day you would like that. Just curious. Guess if the shoe was on the other foot it would be different. Collectors don't even use their real names for fear of being sued.  Call someone for a debt. Use your real name. Call once a day and BE NICE. Scare tactics are illegal but most people are suckers. The Internet has made collectors jobs more difficult educating people of their rights. It is not right that the statute of limitations has run out on the debt and the collection agency wants you to promise to pay something so the debt will reage to current. THAT TO ME is poor business and anyone doing that should be fired and the company they work for sued

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384 Report Long ago Unknown
Actually, even if you owe a debt, you can tell a collection agency to not call you, and they must stop, but they can contact you in writing.  Federal law even limits those with legitimate debts from harassment.  Follow the law, or the next thing you know, legitimate debt or not, you're in court for harassment, and you wind up paying more in legal fees and judgments than the debt was to begin with.  Also, many collection agencies just call anyone with the same last name (I have a very common last name and get numerous calls fior others with the same last name) listed in the phone book. Upon the advice of an excellent consumer attorney in my home city, I work on the 3 strikes you're out system:  I document the incoming calls and will tell you twice you have the wrong person.  On the 3rd call, I contact  that attorney, and have a complaint filed.  I've won 2 of these cases that made it all the way into court, and I didn't owe the company a dime (I have 1 credit card which gets paid in full every month.)  A reputable collection agency can get what's owed to them by following the law.  The court doesn't seem to accept the "mistake" and "mixed up" defense, BTW.

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384 Report Long ago Unknown
or you have a number which was used before. my case i have only had cell phone number for 5 months and i have never given it out. and it is for outgoing calls only (i.e., emergencies, etc.)

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384 Report Long ago Unknown
Actually it is not a violation IF you owe a debt. They can call twenty times a day and it is still legal. My fiance and i both work for collection agencies and we are well aware of our limitations. If there is a debt owed then we can call as many times as it takes to get you to answer. We cannot call after 9 pm and where it is legal to call on a Sunday our company does not. You can report all you want, but once they investigate and find out it is an attempt to collect a DEBT it will go nowhere. We also DO follow do not call lists, so if you do not owe a debt and we still call you, you can request to be taken off the list. Sometimes there is a mistake in the system and phone numbers get mixed up. But one of the things I hear most is "Oh that's not my debt" in which case you need to investigate it because your identity has most likely been stolen then.

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384 Report Long ago Unknown
IT IS A VIOLATION OF A LOT OF LAWS YOU NEED TO REPORT THEM TO THE FEDERAL TRADE COMMISSION WITH THE DATES AND TIMES THEY CALLED , SORRY TO SAY BUT  IF YOU DONT  REPORT THEM YOU MUST LIKE GETTING THE CALLS.

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384 Report Long ago Unknown
The same here for me....they call constantly but leave no message....it's annoying and harrassing...this should not be allowed....

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384 Report Long ago Unknown
If you speak to them once a day, it is a violation FDIC law to call again.

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384 Report Long ago Unknown
How is that socialist? Do you even know what socialism is?

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384 Report Long ago Unknown
How is calling your phone number a "PRIVACY" issue??? Can they see into your bedroom???  GOOGLE is a great tool! Please to use so you do not sound like foolish American socialist.

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384 Report Long ago Unknown
facist-socialist?????????????

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384 Report Long ago Unknown
Following the procedures set forth by federal law doesn't work, either. I've filed several complaints, but because I don't get detailed information from whoever is on the other line (because they hang up before you can get any such information out of them), the complaints are dropped by the FCC. "Not enough information," they say, even if you provide them the phone number, business name, and date/time of the call. I've NEVER done business with these snakes, and I'm on the NDNC List, too; NOTHING works.

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384 Report Long ago Unknown
I hope you realize your rhetoric is just that...RHETORIC. These insane practices have been happening for many years. So blaming it on a president who has been in office for only 11 months is pointless and idiotic.

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384 Report Long ago Unknown
HSBC is a foreign company and they do not care unless you file legal action. I have had with them . Keep filing. law suites against them.

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384 Report Long ago Unknown
You don't know what you're talking about. We did file a complaint against HSBC with the BBB and they DID care that they had a report filed against them. They immediately stopped the calls and wrote us a letter of apology.

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384 Report Long ago Unknown
What will is contacting proper authorities. Threats schmets. Only little people threaten others. Use the NDNCL, ATTY GENS, and FTC. Why waste time with baseless threats. The BBB has no control over phone calls either. HSBC could care less if they had BBB complaint. What you going to call their mother too??  Get real my American comrades. Now that you have a facist-socialist Presidente, it is time to TAKE ACTION. Stop Whining!  Peace to the Great Nation, USA!

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384 Report Long ago Unknown
You do realize that if they are calling you after 9:00 PM that that is illegal? If they do it again, get the persons name id and the name of the agency from which they are calling from, then speak to a manager, get their name and ID number. Get an address of where you can send correspondence. I would threaten legal action and a report to the BBB. Create a cease and desist letter and copy it to a legal firm of your choice and to the BBB. If this doesnt stop the calls I don't know what will. But make sure you have documentation of when they called the number that they called from when you include this.

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384 Report Long ago Unknown
The same thing is happening to me.  They call about 10X per day and when I answer the phone....they don't say anything and just hangs up.

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384 Report Long ago Unknown
Sorry that happened to you I have been getting calls at lease 10 times a day and it is HS BC-they dont even bother to look at the fact that a payment is scheduled online....When I answer the phone they hang up on me and when I finally get thru to a Supervisor they are so disrespectful and unprofessional.  I think you should call your local news station and also file and complaint with the BBB-this harrassment has got to stop!

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384 Report Long ago Unknown
Exactly!  That is harrassing people-and they won't get money any faster either.  They are stupid

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384 Report Long ago Unknown
I agree. I work 3rd shift and they call me 10 times a day. When I do answer they hang up on me.

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384 Report Long ago Unknown
Exactly. I just got this new phone and new number and i get these random calls all the time. The voice goes "we have an important call for you, then there is a small noise, and it cuts you off.

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384 Report Long ago Unknown
It's an auto-dialer.  If you wait long enough, and I'm not saying you should, you'll probably be connected to an 'operator' who is either a soft collector, hard collector, or marketer, depending on your situation.  HSBC probably doesn't care if you don't know the purpose of the call.    The silent period after you pick up is a delay caused by the auto-dialer's workflow.   As soon as an operator became available, it called your number because yours is the next one in the queue.  Unfortunately, if the 'operator' takes a break and doesn't tell the software to skip him or her,  the workflow software has to wait before sending you to the next available 'operator'.  To me, that's a blessing, because I assume it's an auto-dialer when I hear nothing.  So, I hang up.  Hopefully, HSBC won't receive any bail-out funds, because I'd hate to see them increase their 'operator' staff and bug the h*ll out of more people.  They've called me 5 times a day for the past week, even though  I've paid my credit card religiously.  Please on't bail them out!www.notosocialism.us.

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384 Report Long ago Unknown
Well that is all depending WHY they are calling, if you have done business with them or their vendor, or given them (or a vendor they represent) permission to call, then DNC list does not apply.  As for teens this MAY be bit more fuzzy, however I think the same rules apply or if a parent/guarden gave them permission, the exception may be if you are under 13, but not sure what happens if a parent inadvertently gives permission.

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384 Report Long ago Unknown
I got calls to and i just got this number last week brand new phone and all ready 8 calls and they don't stop

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384 Report Long ago Unknown
Funny thing about this number is it's not even my voice line they are calling.  You would think after getting a fax tone in their ears (whatever) they would get the hint.I think I will have to contact my AG (and they don't like me as it is :) )

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384 Report Long ago Unknown
it want do any good Iv'e try they still call late at night and if they get fine like you said they would go broke .The phone company want them to call that where att get it money from.

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384 Report Long ago Unknown
It is auto-dialer calling. The will continue to call until you call and tell them REMOVE my number from all auto-dialer campaigns or your actions will be reported to Atty General (state), US ATTY General (federal), and FTC (Federal Trade Commission. If you do not do business with this group, please to place your phone number(s) on National Do Not Call List. Then they will have to pay fines if they violate your solace again! Peace to the People of the Great Nation, USA!!

800-684-8429

384 Report Long ago Unknown
I get the sam thing and am sick of it can' we stop these

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384 Report Long ago Unknown
this place called me 10 times today, I have a credit card but not from them and my payment is not due yet.  I rush to answer it as they have been calling for the last several days.  I also say hello several times and then it goes dead this is driving me crazy as this call is to my cell number so I have to pay for it.  really stupid place

800-684-8429

384 Report Long ago Unknown
It doesn't matter if you pick up.  Tonight I got a call from this number and picked up the phone.  I said "Hello?" several times and then they  just hung up.  I don't see the point of calling constantly if they're not going to talk to me when I answer.

800-684-8429

384 Report Long ago Unknown
I hope you've answered their call to see if you have a credit card you're not aware of.

800-684-8429

384 Report Long ago Unknown
This number calls us CONSTANTLY. Literally 5 to 8 times PER day! Until as laste as 10:30pm and even on Sunday's. They NEVER leave any messages. We were relieved in a way to learn this is HSBC bank, but disturbed because we have never done any business with them and do not have any credit problems. I think calling more than twice in one day is a violation of privacy laws....

800-684-8429

384 Report Long ago Unknown
HSBC? I have no conection to them at all. Also a number 360-350-5282 calls 5 minutes after. It might be connected.

800-684-8429

384 Report Long ago Unknown
Do not call me

800-684-8429

384 Report Long ago Unknown
IT IS HSBC !  Also known as Household Bank.  There is a class action suit on them, so maybe they wnt to get as many as possible to "opt-out".

800-684-8429

384 Report Long ago Unknown
Actually, they don't have to validate, but if they can't they have to cease collection activity, including remove it from your credit report if it's on there.  Some of them give you a hard time, but you can sue them.

800-684-8429

384 Report Long ago Unknown
Lisa, by the laws stated in the fdcpa they have to.  I would try to send another letter but with fedex or another company like that.  by doing it this way you can find out when they received it.  i worked in collections for six months and hated every second of it, (i was told i was too customer service and needed to be more of an a**).  you can also send a cease and desist letter which will get them to stop calling but whatever debt will still be out there.  just Google cease and desist letter template and you can find an easy way of creating one.  The laws in the fdcpa vary state to state but overall are the same.  these people can only call you once a day (contact has to be made with the "debtor" or a message is left on the voice mail) and after that, its a big no no.  they can technically keep calling as long as a message isn't left or contact hasn't been made.  But at that point they are getting into harassment.  For an example, over the last three days i have received 15 calls from this number.  that is considered harassment and i will be going after them with a lawyer.  sorry for the wall of text.  if you, or anyone else, have any questions feel free to ask.  email is trueform28@email.com or ask here.

800-684-8429

384 Report Long ago Unknown
What happens if the company doesn't respond to the Validation of Debt request?

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384 Report Long ago Unknown
Actually, you can send a "Validaton of Debt" request for any charges they say you owe. If they cantprove it, then you don't owe it.You can also send a "Cease and Desist", which prohibits them from contacting you at all, save for certain exceptions (listed in the FDCPA).That said, the latter should be a last resort if you owe a debt, as it often prompts legal action. The validaton of debt idoes help in the event that your debt has been sold to a collection agency, as they often can't provide documentation to back ther claim. When you send one, send it certified mail. They're not allowed to contact you again until the validate it, and they only have 30 days to do that.

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384 Report Long ago Unknown
Don't ever give any debt collector your name or address!! Armed with that information plus your telephone number, they simply apply the debt to you (if there really is one) or send you information about something that happened in the distant past and insist that it's really yours. And trying to get past that is a doozy.

800-684-8429

384 Report Long ago Unknown
is everyone paperless or what in this country?  send an invoice in the mail otherwise u aint getting s***!!!!

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384 Report Long ago Unknown
Yeah they do they same to me, i have a 0.00 balance and they call me!

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384 Report Long ago Unknown
They don't care my son is Autistic and they some how got hima a credit card that now I have to pay!!!

800-684-8429

384 Report Long ago Unknown
Because someone gave your number when applying for credit. I know, it happens to my son all the time, and it's the same guy.

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384 Report Long ago Unknown
I have three Capital One cards and have had no issues with them.

800-684-8429

384 Report Long ago Unknown
And if you settle for 50% you better be prepared to receive a 1099A or 1099C in the mail the first part of the year, because they will declare the difference between what you owed and what you paid as income.  Not many people realize that when they offer to settle.  Alot of settlement letters will show up in mailboxes beginning around September of each year.  If you want to read a little more check here: http://blog.credit.com/2012/02/just-received-a-1099-c-dont-freak-out/

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384 Report Long ago Unknown
Here's the thing about Capital One. They say they aren't like the others with fees, but they do one thing that no other company has ever done to me. If you max the card, and it goes over the limit during the finance charge addition, they will charge you for it. If you pay the minimum (which I did when out of a job), and it remains over the limit, they will again charge the overlimit fee. The overlimit fee is often more than the minimum required payment, so a person trying to slowly pay off the card just winds up deeper in debt. I said screw them, and stopped paying and put the money toward other cards. Now they are offering to settle at 50% of the total owed, which is about what it would have been if the fees had not been tacked on. I've dealt with more expensive cards, but no one has as poor customer service and fee handling as Capital One.

800-684-8429

384 Report Long ago Unknown
Oh, also DNC list does NOT  apply or mean anything if you are their customer, or customer of a business/vendor they represent, or if you have given them or someone they represent permission to contact you.  Or if you are a minor, that a parent also may have given permission. DNC registry list no longer applies in any of those cases.  Truth is DNC list doesn't stop most calls as those calling now adays have some form of business relationship with you, even if you don't know it.DNC list applies ONLY applies to cold calling, and the people that do most of those calls do so from little 3rd world countries outside the US, making them hard to reach by government hands

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384 Report Long ago Unknown
This is HSBC however a couple things you should know, this is one of their many white label numbers.  This means that if you own one of a 100 different credit cards or store credit cards , it is still under HSBC, even if you never heard the name before.ALSO HSBC/household bank was in trouble and they sold many of their credit card brands to Capital One, they are going to use the  "HSBC" brand apparently, but it is actually now under going transition to Capital One (and now owned by them).  Apparently the will continue to license the HSBC brand name for the cards, and all the numbers will continue to remain the same however.  If you have an affinity card like a branded card or one of 100's of store credit cards, I assume those are mostly going to Capital One too, however I know that the visa/mastercard ones are.Big new fact though.  I know they are sending out letters to SOME customers informing them of this, but not all.  I think it is mainly affinity programs that are getting the notice. As far as if Capital One is Better or Worse than the "orginal" hsbc/household bank, not sure, but as a rule seems that those brands that advertise a lot or use mass media tend to be lower rated in customer satisfaction, and never heard anything particularly good about Capital One

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384 Report Long ago Unknown
Me as well !!! they call me like litterally 14 times today -.-

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384 Report Long ago Unknown
are you kidding, the company is not ethical, they have a SLEW of complaints, its almost certain it is not identity theft but them trying to do the thieving off the consumer to gather personal data, they will sell it to any affiliate gladly

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384 Report Long ago Unknown
Have your parents run a credit check on you. Someone might be using your social security number.

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384 Report Long ago Unknown
this number keeps calling me don't worry & im 12 in 6th grade so dont worry

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384 Report Long ago Unknown
If you don't wan to answer, then don't.

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384 Report Long ago Unknown
Me too!!! They've called two times so far but i'm worried they'll keep calling. I don't really want to answer either...

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384 Report Long ago Unknown
Inform your parents.  Someone may have gotten your social security number and opened accounts in your name.

800-684-8429

384 Report Long ago Unknown
If you're 13 and you're receiving calls from HSBC, it MIGHT be because your identity has been stolen. Have your parents go to http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html to find out what to do next.

800-684-8429

384 Report Long ago Unknown
because you have a SS#

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384 Report Long ago Unknown
I have been getting these calls for the last couple of days - several times a day.  If they are HSBC, they have been bought out by Capital One.  It does not matter if they are crooks, you are still obligated to pay the debt unless the court says you do not have to pay it.  If you don't pay it, they will come after you to try and collect.

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384 Report Long ago Unknown
really?

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384 Report Long ago Unknown
I don't believe I said anything about owing them money.  My credit score is fantastic, thanks for your concern.

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384 Report Long ago Unknown
What I especially think is funny is that I am now on SSI/SSD and they can't touch that money no matter what kind of court order. So HSBC will not only not get paid by me they will further waste money trying to obtain money from me that in no way can they get.  Keep sending letters. Keep calling. Send attorneys to represent you in court. The bottom line is I have very little money and that money is social security and can't be touched.

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384 Report Long ago Unknown
It bothers me not owing crooks like this money. I have no legal obligation to pay a bill to an illegal drug business.  HSBC was in with the Mexican drug gangs who killed 60,000 people this year. As far as I am concerned HSBC is nothing but a company filled with murderers and I will never send them a penny to further their killing as that would be a sin.

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384 Report Long ago Unknown
HSBC also entered into a business agreement that they would not defraud their investors.  Criminal acts were performed....and yet no one went to jail.  Now they will pay for their criminal acts with the money they collect from decent, ordinary people.  Probably will jack up fees and interest rates.  Their has been no sign of contrition on their part.  To them, the felony was just a business deal.If you borrowed money from an uncle...and found out he was using it to produce child pornography, would you continue to send him checks?  Paying them back is supporting a criminal enterprise.

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384 Report Long ago Unknown
So rather than sit on here and bi*** about it, pay your debt and cancel your card. Problem solved.

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384 Report Long ago Unknown
Too big to fail even if they keep money belonging to some of the world's most dangerous criminals? Both the enemies and the ones who work for them deserve the death penalty.

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384 Report Long ago Unknown
Capitol One which is part of ING is no better than HSBC who was helping launder Mexican drug cartel money.On June 12, 2012, the U.S. Department of the Treasury’s Office of Foreign Assets Control announced a $619 million settlement[10] with ING Bank N.V. to settle potential liability for conspiring to violate[11] the International Emergency Economic Powers Act (IEEPA) and the Trading with the Enemy Act (TWEA) and for violating New York state laws by illegally moving billions of dollars through the U.S. financial system on behalf of sanctioned Cuban and Iranian entities.Helping the Iranians who are terrorists. So it's either Mexican drug gangs or Iranian terrorists. either way you are supporting evil when you make any payment to these companies.  Trading with the Enemy Act!!!  These people are the enemy of the USA and some of these clowns want you to feel bad if you owe them money. Every dime you keep out of their hands could be another life saved.

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384 Report Long ago Unknown
One could say that, but it wouldn't make them correct.

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384 Report Long ago Unknown
"As previously pointed out, you entered into a business agreement with them when you accepted and used their card.""HSBC sold their credit cards to Capitol One"One could say that the agreement was with HSBC not with Capital One.

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384 Report Long ago Unknown
Whether our not you're a debt collector,I agree with you.These people are mad because they get calls because of debts they refuse to pay. Very well said.

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384 Report Long ago Unknown
BWHAHHAHAAA  Just like looking thru glass.

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384 Report Long ago Unknown
you didn't seem to have any moral obligation to spending that "dirty" money.  just another typical freeloader who won't ever have anything good in this life because you don't take responsibility for your actions.  any job is a good job; better than living on welfare.

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384 Report Long ago Unknown
You don't seem to be able to keep your ID's straight. It looks like you are a liar and the you came here because of a late payment won't work because if you paid it why are you coming back to this board.  You are a scumbag debt collector and maybe you should get a real job instead of one where you harrass people for a living.  The bottom line is you won't get a penny from me and it does not bother me because HSBC is a drug laundering criminal enetrprise and supporting killers like HSBC is immoral.  Waiting for your next lame attempt.

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384 Report Long ago Unknown
Additionally, when did I ever say I had good credit?? Perhaps you should stop reading into things and get busy getting an education and a job instead of blaming everything on your ex husband. You have just as much liability as he.

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384 Report Long ago Unknown
You are so obviously a debt-collector. How much do they pay at the collection agency you work at?  What's the matter...cant' get a real job?  Mickey D's is hiring, bet you'd look cool in the brown uniform. Repeat after me:  "Do you want fries with that?"

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384 Report Long ago Unknown
I bet you are one of those people that won't think before you talk, circumstances causes many problems, people get fired, layed off, jilted, ill health and a hundred more reasons not to have money to pay their obligations, most people don't deserved to be harrased by these right-fully called slum-bags. Suppose you were faced with a heart trans-plant bill of $250,000 and called 20 times a day for a credit card bills you can't pay. What comes first, rent, lights, food. You need a course in human nature and understanding.

800-684-8429

384 Report Long ago Unknown
A medical sonographer - aka xray tech - maxes out at about $45,000/year.  I got on this board  because HSBC bank called my cell today.  For the first time since I owned the card, I forgot to make a payment.  I only owe $40 bucks but am 16 days late on my minimum payment of $10.  So, I'm a nurse with an MSN, living in CT who made over $100K last year.  I drive a $20,000 car.  Damn....had I known I can own a BMW/Mercedes or whatever it is you drive, I would have foregone my 8 years of schooling and become a medical sonographer.

800-684-8429

384 Report Long ago Unknown
Maybe Gunnar should check his/her usage & spelling of there/their.

800-684-8429

384 Report Long ago Unknown
So you are a wealthy LA songrapher with a $100,000 car and you don't even know that I is capitalized. I would think some sort of education is required for that position. From the looks of your posting Gunnar described your stupidity very well and you lived up to that description. No doubts that debt collection was the only job you were qualified for.

800-684-8429

384 Report Long ago Unknown
you know debt collectors? well i'm not one. i'm a diagnostic medical sonographer in los angeles, NOT a debt collector. i am not a low-life. i have a very successful spouse, and we have two homes, and two luxury cars- one that cost over $100,000. why are you people so paranoid that everyone standing up for a debt collector is secretly a debt collector posing as somebody else. you have issues. i'm leaving this conversation now, because i have to go to work, at the HOSPITAL. you can troll around these pages, attacking people or whatever you need to do to make yourself feel relevant. i stumbled upon this page trying to figure out who was calling me, and discovered a snake pit of people who are avoiding their debts. how did you end up here? it doesn't matter anyway. your deranged mind has your own version of the truth and whats right and wrong. you have an out of control hatred for debt collectors, which means you probably have been delinquent before. good luck with your life. i have a feeling that you probably need it.

800-684-8429

384 Report Long ago Unknown
Sorry to burst your bubble there 'Tommy'. I don't owe a single penny to anyone, for anything. The only debt I maintain is for business and tax purposes. Of course, I don't expect you to understand that any debt can be advantageous. You're just a low-life debt collector and the only thing you'd know about taxes is how to fill out a 1040 and wait for your refund check. So 'Tommy', do you actually think the people here are looking for a 'free ride'? They are not. The vast majority of people here have been victimized by sleazy debt collectors. Debt collectors who are incapable of getting honest work. Scum who have felony records and/or substance abuse problems. Dirt-bags who convince themselves that sitting all day on their fat, lazy behinds trying to con people out of money is a real job. Debt collectors who lie about what they do because they know what they are. Losers. You see 'Tommy', I know debt collectors. I've been in court rooms with more than a few. As a Plaintiff, not as a Defendant. It's always easy to spot a debt collector in a court room. The only ones there looking slimier than they are are their half-drunk Attys. And if their Attys. are only half-drunk it means it's still morning and the counselors haven't drank there lunch yet. Before you start mentally composing your reply 'Tommy', know this. I've never taken a pay-day loan. I've never even given it a thought. Like most people I have problems, but money is not one of them. I've never been sued and I can honestly say that there is not a soul on this planet who would be able to conceive of a reason why I would be. But I have been forced to legally pursue frauds who have been foolish enough to think that the people they prey upon are just as worthless as they are. The one shining asset that most debt collectors share is there incredible arrogance and there equally impressive stupidity. Debt collectors employ people who are even dumber than they are. That includes their Attys. Which is why the only times you'll see debt collectors in court is when they've been served. Or arrested. You want to applaud debt collectors 'Tommy'? Then spin your chair around and give all your fellow vermin in the boiler-room a big hand. Then try and get all their real names and phone numbers. You're sitting on a gold mine there 'Tommy'! Debt collectors are by far the biggest dead-beats in existence. Not that you'll ever collect a dime from them. If they had anything (or any pride) they wouldn't be debt collectors. But you are right 'Tommy'. There is no free ride. Debt collectors know this very well. They're always slinking around looking for bus fare.

800-684-8429

384 Report Long ago Unknown
you people need to lay off debt collectors. it isn't their fault you don't live up to your obligations. you borrowed money, you had fun spending it, now pay it back. to me, it is the debtors, not the collectors, that should be ashamed of themselves.  i'm on here because i forgot to send a payment and wondered who was calling me.  i'm embarrassed that i'm late, as should all of you whiny bi****s that blame the collector.  you don't get a free ride in this life.  i'm sure the collector doesn't love their job, but they understand that any job is necessary to survive, pay their bills, and not sit around bitching about it.  i applaud them, and would do it myself if i needed to.  better than living off the government, borrowing money from creditors, and not paying it back.  freeloading a***oles.

800-684-8429

384 Report Long ago Unknown
Actually a debt collector is not one step below a fast food worker. A debt colector is far below that. The 5$ crack w***e on the corner has a social position well above that of a debt collector. The w***e at least provides a service. A debt collector provides nothing. He is there to enrich his bosses and make a few meager dollars for himself.Put simply, the only organisms on this planet lower than a debt collector are the outright crooks working out of India, Jamaica and the Dominican Republic.

800-684-8429

384 Report Long ago Unknown
"Everyone has to have a job and in this economy some beggars can't be choosers as the saying goes."  Actually if you were educated you would not be begging for jobs they would be begging you.  Obviously debt collection is one of the few things you are qualified for and should be thankful some fool would even hire you. Debt collection one step below a fast food worker.

800-684-8429

384 Report Long ago Unknown
You Get Nothing!

800-684-8429

384 Report Long ago Unknown
So let me get this straight. You expect us to believe that you are just late on a payment and yet you keep coming back to this board to comment on others. Does this lie make sense? Of course you are a scumbag debt collector. My God you are not even smart enough to remember your ID.  Now when you try and comment on this post you better think of a good reason you are checking on this board.  Let me explain another thing to you because I think you don't understand much. The 6 or 7 calls a day are forwarded to a cell phone that does not ever ring. I check it at the end of the day and laugh at all your lame attempts to contact me. You won't ever see a penny of my money.

800-684-8429

384 Report Long ago Unknown
Actually, I looked up this number because they called me. I am late on my payment. Doesn't matter why, but I do feel it is an obligation that I owe and it seriously ticks me off when others don't feel they shouldn't pay.As far as your comment that debt collectors are scumbags: if you owned a business and someone owed you money, wouldn't you want someone to collect that debt for you? Or are you so nice you'd just like to give things away? Everyone has to have a job and in this economy some beggars can't be choosers as the saying goes. Don't be stupid. Also, the "husband made all the debt and left me with it" is a tired excuse. Own up to your responsibility.

800-684-8429

384 Report Long ago Unknown
I always wonder why someone with good credit would even be reading these boards??  Sounds like a debt collector arguing their case. I wonder even more what kind of scumbag would choose debt collection as a job???My debts were incurred when my a** husband left me with nothing and stole what little I have. Am I as much a slimy person as this bank which apparently helped mexican drug gangs with their drug trade.  If you are not aware of it people are being murdered in this drug war in mexico.  I don't think my failure to pay a $500 debt compares to the murder of people in mexico. Maybe in your twisted world it does but then I can't imagine anybody who would choose debt collection as a way to make money unless they were the type of person who feeds on the pain of others and then I bet those murders in mexico actually make you feel good.

800-684-8429

384 Report Long ago Unknown
More than morality for them. As previously pointed out, you entered into a business agreement with them when you accepted and used their card. Looks like you're just looking for a excuse to not pay your debt which makes you almost slimy as they. Besides that: HSBC sold their credit cards to Capitol One so you don't owe HSBC anymore, you owe Cap One. Stop making excuses.

800-684-8429

384 Report Long ago Unknown
A bit more than morality involved here. HSBC was in business with drug dealers. That is illegal and not up for a morality test. They said they were sorry as if that is enough. I am sorry I can't pay back my debt. That should suffice.

800-684-8429

384 Report Long ago Unknown
Crooks that lend you money on their s****y credit card with your s****y credit you signed up for with your social security number. Doesn't mean you don't owe them money because you don't agree with them morally, still a legal business agreement

800-684-8429

384 Report Long ago Unknown
British bank HSBC has agreed to pay $1.9 billion to settle a New York based-probe in connection with the laundering of money from narcotics traffickers in Mexico, U.S. authorities announced Tuesday.This is who you support when you give HSBC any money.  They are crooks and you have no obligation to pay them any debt owed.

800-684-8429

384 Report Long ago Unknown
They called me Friday, Saturday, and Sunday morning starting at 8:01am until 9:00pm.   5-6 times a day.  By law (at least here) they must stop calling if you tell them you do not wish to receive anymore phone calls from them.

800-684-8429

384 Report Long ago Unknown
4 times in 15 minutes for me!

800-684-8429

384 Report Long ago Unknown
Likewise, no one ever here by that name, first time I've ever gotten calls for such a person.  When I tried to explain this to the lady today, she talked over me and hung up.  Calls x5 so far, in 3 days.

800-684-8429

384 Report Long ago Unknown
Same here.They keep asking for this person && I've told them that I don't know anyone by that name && they keep calling.

800-684-8429

384 Report Long ago Unknown
But. I'm 13?Why would they be calling me?

800-684-8429

384 Report Long ago Unknown
It's HSBC.  I'm not even late on my payment.  But they keep calling me.  I think they want me to enroll in some kind of protection for my credit card. That's probably why they call you.

800-684-8429

384 Report Long ago Unknown
This number calls constantly. 3-4 times a day the phone rings and we rush to pick up. The caller id says Unavailable so we wait if they leave any message but there aren't any. If there was something important my guess is they would leave a message.

707-227-8209

1 Report Long ago Unknown
Got a phone call from this number. The caller left no voice message.

713-955-9265

9 Report Long ago Unknown
We've gotten several calls from "URS" asking for my wife by her maiden name.  They've repeated demanded our mailing address after giving us no reason for the call.  They attempt to justify their call by giving a "last known address" for my wife - which she has never lived at.  They're rude, demand private information, and they give us no reason for calling besides "it's a personal matter."  I suspect this is a legitimate debt collection agency with poor business practices.  In our case, my wife has a common name and they either have the wrong person, or won't bother to give us enough information to prove they DO have the right person. Annoying.  http://www.unitedrecoverysystems.com/

713-955-9265

9 Report Long ago Unknown
appears to be a pattern - 281-901-6990/1/2/3/4/5/6/7/8/9 -- 281-891-4038 1/2/3/4/5/6/7/8/9/0 -- 305-368-8874/5/6/7/8/9/0/1/2/3/4...United Recovery appears to be buying old debts, and has blocks of phone numbers as their phonebank...."V22512390300091" is what is listed as the caller ID.

713-955-9265

9 Report Long ago Unknown
United Systems Recovery  . . . ??

646-216-2325

10 Report Long ago Unknown
This number called my phone twice this morning. Job Radar? Never even heard of that site... I dont answer calls I don't know either. Has anyone tried to call it back?

646-216-2325

10 Report Long ago Unknown
Received a call on my cell phone from 646-216-2325 and 646-216-2330 today.  I have no idea who this is...I will not answer long distance number that I dont know on my cell phone.  They will not leave a message.....so it cannot be that important.

646-216-2325

10 Report Long ago Unknown
I know it's from NY...

646-216-2325

10 Report Long ago Unknown
Calls 8 or more times a day. No message. No idea who they are.

646-216-2325

10 Report Long ago Unknown
Bills Bills BillsCan you pay my bills?Can you pay my telephone bills?Do you pay my automo' bills?

646-216-2325

10 Report Long ago Unknown
its from job radar

646-216-2325

10 Report Long ago Unknown
Called 13 times....never left a message. I wont answer a number i dont know.

646-216-2325

10 Report Long ago Unknown
Several calls..never an answer on call back.

646-216-2325

10 Report Long ago Unknown
Calls but never leaves a message. I do not answer calls I don't know, especially long distance calls.

646-216-2325

10 Report Long ago Unknown
Please quit calling my cell number....

661-731-3720

1 Report Long ago Unknown
spam text message about winning a "free" best buy gift card

651-796-1433

20 Report Long ago Unknown
Yet another one from these SCAMMERSrobo call from 651-796-1433 on 2-01-13 @ 1146 aM. This was the 7th=SEVENTH call from these SCAMMERS who said they R giving away a 'FREE' $400 Medical Alert System. Pressed 1 and after some brief music a scrrener Kimberly came on the line and asked if I wanted to hear about the Medical alert System? I said 'Yes I did' so she transferred me to a Kathryn Agent #4496. After her talk I asked her a ton of questions and kept old Kathryn on the line for 13 minutes and 52 seconds. She said I would ONLY be charged for monthly monitoring to the tune of $34.95 per month or $39.95 for 2 buttons. During the cal she said she was calling from Florida ( found that interesting since the phone number they left on the caller ID was then forged), she said that they are called "SENIOR SAFE ALERT." She also said that they have a web site under the same name and one of their monitoring locations is in NY. Well I was done with her and gave her the cussing UTube video which ended her call pretty quickly.

651-796-1433

20 Report Long ago Unknown
They call, I don't answer, very sick of the calls though.

651-796-1433

20 Report Long ago Unknown
Get yourself a Panasonic cordless DECT phone.  It will allow you to block up to 30 numbers.  Phone will ring once and hang up.  These phones will also block calls without a phone number incuding "Out of area", "Private caller", or "Long distance".  Nice cordless and worth every penny.

651-796-1433

20 Report Long ago Unknown
No messages was left so obviously a nuisance call.

651-796-1433

20 Report Long ago Unknown
These SCAMMERS just never give uprobo call from 651-796-1433 on 1-28-13 @ 429 PM. This was the 6th=SIXTH call from these SCAMMERS who said they R giving away a 'FREE' $400 Medical Alert System. Pressed 1 and after some brief music I got a Sheila who I kept on the line for aover 5 minutes and then gave her my Real Raunchy British diddy........she was gone before the song ended in about a minute

651-796-1433

20 Report Long ago Unknown
And I was thinking I hadn't gotten any SCAM call for a while then this one again.robo call from 651-796-1433 on 1-26-13 @ 122 PM. This was the 5th call from these SCAMMERS who said they R giving away a 'FREE' $400 Medical Alert System. They sure R persistent buggers if not down right dumb. After the recorded intro ended they said press 1 to talk to an agent or press 5 to be taken off their list. (press 5 yeah right?) so pressed 1 but unfortunately their system cut me off after pressing 1.Could be a new wrinkle with them to still bother the heck outta people without a person being able to give them the "SCAMMER HORN" or a "Raunchy British UTUBE Music" being played back at them, or just the ability to cuss them the heck out. Maybe next Time though !!!Gotta give a "SHOUT OUT" to =>   itwasntbill   <= above for keeping the "hucksters" on the line for almost an hour.

651-796-1433

20 Report Long ago Unknown
I did the attorney general as well.  File the complaint with the Federal Trade Commission. https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

651-796-1433

20 Report Long ago Unknown
I did the attorney general as well.  File the complaint with the Federal Trade Commission. https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

651-796-1433

20 Report Long ago Unknown
Got the calls this week, hit 1 since yes as everyone else agrees hitting 2 just keeps it going. Spent almost a hour on the phone with a Jeremiah #CS543 including his monotone and bored reading of a script. I had to ask a few times and lock it in and they are NOT medical alert although they are using their tagline "ive fallen and cant get up" I gave all fake info including name, address and a cell phone (off a card I got from a cop after being a witness to an accident, sure hope they start calling him!!!) and all the scripted info about this system. The company name that I finally got out of him after refusing any more info unless I knew who I was dealing with is Senior care monitoring. The call went quickly downhill after he wanted a credit card # (for the $1 day fee for the equipment and id NEVER get charged anything else) I rang off a string of random #s and was informed Visas dont begin with a 8. I finally went back to the dialer issue (I had informed him it called at 10:30 one night) asked again if it showed me hitting 2 any of the times they called which he said it didn't. I asked if I had wasted enough of his time with all this fake info to warrant getting on the list. He totally flipped out including stating id :get put on the ring the phone all day list" and several things I cant post here. Asked him if he heard that beep in the background and he hung up. Tape on the way to Atty General but I dont have much faith they are going to do much about these hucksters.

651-796-1433

20 Report Long ago Unknown
1/24/2013 7:46pm central.  Auto-dial recorded call for seniors.

651-796-1433

20 Report Long ago Unknown
1/23/2013  8:30P  Two calls in rapid sucession - Unknown on Caller ID.  NO message.  7th random caller this week from various random numbers.  IF you answer or attempt to be removed from their list by following their instructions all you are doing is sending them a validation that their robo dialing did reach a real person and then they provide your number to other scammers.

651-796-1433

20 Report Long ago Unknown
Jack***es!

651-796-1433

20 Report Long ago Unknown
Ya know what? I am getting SO MANY STUPID CALLS from randos!!!!!! What I am doing now is if they call to say 'hold for the next representative, I do one of two things.  I hold, then when the rep gets on, I blast em with a button tone that never ends.  Or, THEY ASK ME TO HOLD WHILE I WAIT FOR THE NEXT REPRESENTATIVE.  WHAT?!??!?!?  Well, I hold.  I put the phone on a piece of furniture and I let them hold for me, after I get back.  To the tune of oh, 20 minutes.  Unless I hear the dialtone, in which case then I hang up.  A good trick?  If there's a sales call, and you don't want it, ask them for their home phone number and then ask if you can call them back, say around dinner time.  DAMN

651-796-1433

20 Report Long ago Unknown
This number has called us 4 times even though we have asked to be removed and reminded them of the Do Not Call list.  Now I'm Pis**d!  I'm reporting them to the FCC.

651-796-1433

20 Report Long ago Unknown
This number is part of an exchange owned by bandwidth.com (as part of their Phonebooth subsidiary.) They ask that you file reports at the following URL in addition to letting the FTC know via the donotcall.gov page:http://bandwidth.com/resources/legal/policy_violations.html

651-796-1433

20 Report Long ago Unknown
3rd robo-call in as many days, 2nd from this number. I made the mistake of pressing 2 to be removed from their list. Obviously, that doesn't work.I'll keep reporting them to the DNC registry, FWIW.  **sigh**

651-796-1433

20 Report Long ago Unknown
I got the same call.  I pushed "1" to discuss further.  I had her on the line for 29 minutes before she hung up on me.

651-796-1433

20 Report Long ago Unknown
robo call from 651-796-1433 on 1-16-13 @ 813 PM. This was the 4TH call from these SCAMMERS who said they R giving away a 'FREE' $400 Medical Alert System. This time No screener or anything like that,  I pressed 1 and I was immediately placed on hold with music. After several minutes a guy came on (did not even give his name) and asked for my name. Gave him fake name and he started his scripted talk. Asked if I saw the TV commercial about the alert system and I said "yes I did" then he was talking about the free system with the remote button and for some unknown reason I got disconnected. Maybe they flagged me about my raunchy music I play back to these SCAMMERS but I am probably giving them to much credit. But I will get them next time.

651-796-1433

20 Report Long ago Unknown
robo call from 651-796-1433 on 1-14-13 @423 PM. This was the 3rd call from these SCAMMERS who said they R giving away a 'FREE' $400 Medical Alert System. A Kimberly came  on the line and asked if I wanted to hear more about the Alert system or be removed? This is a new one having a live body asking this question.But since it does matter because they NEVER remove U anyways, I said "I want to hear more." She then quickly said I will get U to an Agent. A John then got on the line giving some number ( I suspect some fake agent number) and asked who I was and how I was doing. Gave him a fake name and fake answer. Then he asked if I had seen any of the Medical Alert commercials. I said Yeah I had seen the one where the gal puts the control button between her "T!ts". He said he "hadn't seen that one". And I was just about to start the "Raunchy British song" when my portable phone went dead. - DANG the LUCK.St Paul MN is Sick of Scammers = 0Medical Alert System SCAMMER = 0

651-796-1433

20 Report Long ago Unknown
No clue who this was. I screened the call as it went to VM. They didn't leave a message.

551-226-5523

1 Report Long ago Unknown
Keep calling my number and not leaving a message.

447-779-8767

19 Report Long ago Unknown
maybe true maybe false but u have to consider that you are trying to victim somebody who is ennosence.

447-779-8767

19 Report Long ago Unknown
Refrance NO SG-1015 TEXT MASSAGE UK +491601192995 Claims call+447035963194 send     samsung.claims@live.co.uk{samsung year-end uk promo} £ 1  Million pounds .cell No have won.    Joynal_amin@yahoo.com mobile     no(00966)0599481307.  By air mill  JOYNAL AMIN POST BOX NO # 5064 CODE NO # 45973 AL - DARB   ZAIAN  SAUDI ARABIA.

447-779-8767

19 Report Long ago Unknown
Its a lie.  There is no prize.  There messages are being sent by thieves.  They will trick you into giving them money.  They will never give you any money.All Nokia e-mail addresses end with @nokia.com.  Any e-mail address that does not end with @nokia.com is not from Nokia.  Here is the official information from Nokia.http://conversations.nokia.com/2010/02/22/nokia-lottery-is-a-scam/

447-779-8767

19 Report Long ago Unknown
i have recived a massege from u that your cell no has won 415000pounds in the nokia uk promo payment no:nk115G. for claims email nokianet2@live.com&call +0046737601082.if it is true then u should call me on my number

447-779-8767

19 Report Long ago Unknown
the caller company is :nokianet@live.com not Nokia

447-779-8767

19 Report Long ago Unknown
Your mobile number has won 415,00 pounds in the NOKIA UK PROMO . payment no .:NK115G.for claims email :nokianet2@live.com & call:+447024094584  ... is it true ??

447-779-8767

19 Report Long ago Unknown
your cell no has won 415,000 pound in the nokia uk promo payment no NK115G. for claims email:  nokiawd@live.com and call +447024045646                                                                                                                                                                                                                                                        nazim7145@yahoo.com                                                                                                                                                                                                                                             reguards                                                                                                                                          muhammad nazim

447-779-8767

19 Report Long ago Unknown
you have send me a msg for nokia uk promo payment claim kindly tell me the procedure of                      this that how  can i collet thisplzzzzzzzz                            my mob no is 03135417215       my emale adres is nazim7145@yahoo.com

447-779-8767

19 Report Long ago Unknown
respected sir,                      you have send me a msg for promo payment claim kindly tell me the procedure of                       this that how  can i collet this                                                                                                                    reguards                                                                                                                     SOHAIL AFRIDI

447-779-8767

19 Report Long ago Unknown
i have a sms from uk  that i won a award  and my email add is Riyaz_55@hotmail.commy contect number is 7997772 my name is ibrahim riyazm.fehigilijavaahiru higun

447-779-8767

19 Report Long ago Unknown
even i got the same sms.

447-779-8767

19 Report Long ago Unknown
HI I HAVE RECEIVED SMS FROM  NOKIA UK PROMO WON MY MOBIL NUMBER HAS WON 415000 POUNDS.NK115G.FOR CLAIMS EMAIL: NOKIAWD@LIVE.CO.UK AND CALL+447024045646

447-779-8767

19 Report Long ago Unknown
I also got that message..... that all are fake..u people never get that money... f****ng talk..

447-779-8767

19 Report Long ago Unknown
I also got that message..... that all are fake..u people never get that money... f****ng talk..

447-779-8767

19 Report Long ago Unknown
really my cell number is lucky +923085213410 415 000

447-779-8767

19 Report Long ago Unknown
respected sir,                       you have send me a msg for promo payment claim kindly tell me the procedure of                        this that how  can i collet this                                                                                                                     reguards                                                                                                                                                                                                                                             pirkhan

447-779-8767

19 Report Long ago Unknown
respected sir,                      you have send me a msg for promo payment claim kindly tell me the procedure of                       this that how  can i collet this                                                                                                                    reguards                                                                                                                    SOHAIL AFRIDI

447-779-8767

19 Report Long ago Unknown
wakai niklay han

447-779-8767

19 Report Long ago Unknown
+447779876767                                                                                                                              your cell no has won 415,000 pound in the nokia uk promo payment no NK115G. for claims email:  nokianet2@live.com and call +447024094584

407-000-2323

2 Report Long ago Unknown
They wanted information from me to lower Visa and Mastercard interest rates.  They wanted me to give them my name, address, etc. I would not give them any information.  Instead I asked them what information they needed verified before I told them anything. They just hung up.  I could hear in the background that this is a call center.  My friend received the same call on her cell phone. Obviously they are trying to steal information.  Why can't they be shut down?

407-000-2323

2 Report Long ago Unknown
All they do is hang up on me when they have realized I have questions for THEM.  They used to have an option to dial 2 if you wanted your name removed from their list, in these new calls, there is no option 2 - only option 9.  I think this is some kind of scam.  I am highly suspect of anyone offering anything when they have to ASK for your credit card number.  I would NEVER give out my credit card number to someone who has called ME.  Why can't these people be stopped??!!

800-684-8429

384 Report Long ago Unknown
I was looking through this site and I noticed awhile ago that Tommy, with the big house and $100,000.00 car kept coming back here and beheading people.  He asked someone why they were trolling this site, if they didn't owe any back payments.  I just want to know why Tommy kept coming back to troll this site?  Tommy, get a real life and enjoy your nice car ... (probably an old Gremlin or Pacer)

800-684-8429

384 Report Long ago Unknown
It is a card holder company. Agree 8-10 times a day is crazy. Their 800 number is FREE for you to call but cost the company $$, so call them back and stay on the line long enought to get to an operator and then hang up.

800-684-8429

384 Report Long ago Unknown
British bank HSBC has agreed to pay $1.9 billion to settle a New York based-probe in connection with the laundering of money from narcotics traffickers in Mexico, U.S. authorities announced Tuesday.This is who you support when you give HSBC any money.  They are crooks and you have no obligation to pay them any debt owed.

800-684-8429

384 Report Long ago Unknown
Capital One has higher fees than HSBC and is more aggressive about adding them on. ON the other hand, the CO payment system was always more friendly than HSBC. If you try to pay on the due date with HSBC, they ding you for a $15 "rush" fee to avoid the late charge ($25). Capital One was always good accepting payment on the day of the due date.

800-684-8429

384 Report Long ago Unknown
This is HSBC however HSBC/household bank was in trouble and they sold most of their credit card brands to Capital One, so it is still "HSBC" brand but it is actually now under going transition to Capital One (and now owned by them).  Apparently the will continue to license the HSBC brand name for the cards, and all the numbers will continue to remain the same however.Big new fact though.  I know they are sending out letters to SOME customers informing them of this, but not all.  I think it is mainly affinity programs that are getting the notice. As far as if Capital One is Better or Worse than the "orginal" hsbc/household bank, not sure, but as a rule seems that those brands that advertise a lot or use mass media tend to be lower rated in customer satisfaction, and never heard anything particularly good about Capital One

800-684-8429

384 Report Long ago Unknown
I continue to get calls from these people too! at least 5 a day! Is there any way to make them stop?

800-684-8429

384 Report Long ago Unknown
I kept getting calls to and so I finally called the 800 # back and got an automated response saying they have identified my acct # based on the # I was calling from (the one they keep calling) and it also told me the last 4 of the acct holders SS# and said if i wasn't that person to hang up. I didn't & pressed 0 like 2 or 3 times and got a live person and explained to them that I wasn't who they were looking for (and i wasn't cuz my last 4 weren't the ones listed they had) and told them to cease calling me ASAP or I would report them to National Do not call and debtor complaints because I have the logs on caller id as to when and how many times they called me. They apologized and said they would take my # out. We will see though....

800-684-8429

384 Report Long ago Unknown
This is annoying. Calls early and late into the night.

800-684-8429

384 Report Long ago Unknown
Lets see what would happen to their phone system if each Sunday we all called them at least twenty five times?

800-684-8429

384 Report Long ago Unknown
I get 2 to 3 calls a day from this number and EVERY time I answer it there is nobody there, just an open line. Now I don't answer it but I am tired of them calling me. I have an account with them but the payment comes out of my checking account automatically so I can't imagine why they are calling....and I don't care. I am going to contact my phone company to block them from calling me.

800-684-8429

384 Report Long ago Unknown
I was getting the same calls and couldn't figure it out since I don't use HSBC for anything and have no CC debt. But then I remembered that I'm also using Google VOICE for craigslist and stuff like that for forwarding to my real number (when I sell something or whatever). so if you use Google Voice this may be forwarded from the last user.

800-684-8429

384 Report Long ago Unknown
3or 4 times a day, you are lucky, I get about 5 a day plus about 15 from800-395-22774 which is also HSBC

800-684-8429

384 Report Long ago Unknown
You can simply contact your MP/MPP for assistance.  They can verify who live in your household and who's not. How ?  Voters list. Almost every Canadian citizen over the age of 18 are on that list. They even got the address, phone number & date of birth of each individual. Unless the collection agency is looking for a person who is under 18 of ago or homeless, then you are out of luck.Ask the name of the agency, name of the person(agent) who handle the case & the case number. Call your MP/MPP, ask him/her to contact the agency on your behalf. Trust me, most MP/MPP are willing to help. Cause you know, there is no free lunch. When it's election time, you know who you should give your vote to.For people just want to block unwanted telemarketing calls. Please check out my post @386-233-3694

800-684-8429

384 Report Long ago Unknown
They just called my company, the fone rang seven times, when we finaly answered the fone, the lady was rude asking for him when we informed him he was not here he will be in two hours, hung up and called back. same lady very rude requested to speak to manager, manegre called back , informed i lost a deal do to this mix up, informed her to leave number, to have him call back infored they where beng abusive with the matter, ... she refused to hang upo the call and using practices that where misleding with me tied me up over twenty minutes on the fone and refused to give me information to this individuals where abouts..

800-684-8429

384 Report Long ago Unknown
Same scenario, this number calls morning, afternoon and evening seven days a week. The answering machine is on but no message left. We shut off the answering machine and any calls coming in, we now don't answer the calls especially if no caller ID.

800-684-8429

384 Report Long ago Unknown
Block the number from your phone.

800-684-8429

384 Report Long ago Unknown
Just activated a cell phone yesterday with a new Number, and I got a call from these guys already, hope this doesn't keep up.

800-684-8429

384 Report Long ago Unknown
Just got call from that # TOO.. AND NO MSG..HOW IRRATATING!!!!!

800-684-8429

384 Report Long ago Unknown
oh what fun you are having. LOL. Thanks for the great idea....:)

800-684-8429

384 Report Long ago Unknown
It is HSBC.  I have never had an account with them, they are trying to contact the prior user of my phone number.  I don't know who she is.  I make up numbers and give them to them, explain that she is traveling due to winning a small fortune in Vegas, that she is in a Russian prison, that she is Bernie Madoff's cousin and in in DC to testify, ect.  I am really enjoying this. I could be years before they figure out it is BS.  They are soooo stupid...

800-684-8429

384 Report Long ago Unknown
oops... cut myself off.  If you have verizon, you can block this and any others you wish under your phone security settings. I'm less than 30 days late on a payment of $40 but being its rough economic times, its affected even small payments. They are computers that constantly redialing and attempt to connect you to a service rep so she can tell you something you already know.

800-684-8429

384 Report Long ago Unknown
This number is HSBC Credit Card Co and Orchard Bank.  They are calling me because I'm late on a payment - as if I didnt know...  If you

800-684-8429

384 Report Long ago Unknown
That other poster is abvsolutely correct, it's HBSC credit services.

800-684-8429

384 Report Long ago Unknown
It is 5:50pm and i have received 6 calls so far today starting at 8:13 am this morning and then again at 8:59 am

800-684-8429

384 Report Long ago Unknown
I have the misfortune of getting two of these cards to build back my credit after a divorce. The only thing to do is pay them off, close by consumer in formal writing, reqisterd mail return receipt, get on the do not call list and also on the "opt out" list so your information is no longer shared with marketing companies. This does NOT stop them from selling it to bill collectors, and any time you open a bank account or apply for credit you give your phone number, so the credit agencies get your information, and they also have your employer listed on the credit file.

800-684-8429

384 Report Long ago Unknown
i was getting calls from these guys constantly for a week straight, after answering once yelled saying my payment is in the mail. She told me that i didnt have to mail it but could have Wired teh money to a certain mail box as it would of been much faster. she then verified my phone number and the next day the calls started at 6am, and continued every 20 minutes after that.  i answered one last time with foul language and they laughed and hung up. i ignored the call for a week, till i gave up and changed my phone number.  i refuse to give my phone number to any CC people, they wanna contact me they can do it by emailthat was my way of solving their annoyance :)

800-684-8429

384 Report Long ago Unknown
Amun,I am so sorry you have to go through the torture from this company.  I too am in the same situation where I lost my job and unable to pay what they are requesting.  HSBC are like vultures preying on the already beaten down just waiting to eat your dead bones!!! It's ridiculous how many times they constantly call.  Over and over and over and over again.  They start at 8:02am and end at 8:57pm.  It's pathetic.  Constantly calling people who supposedly owe you money won't make it come in any sooner!!! I have chosen to pickup the phone and just hang it right back up or don't answer it at all.  They are thoroughly annoying. Arghhhh!!!!!!!!!

800-684-8429

384 Report Long ago Unknown
This number calls me several times a day, EVERY day. If I do not answer the phone, their autodialer hangs up on the answering machine, and if I do answer, their people hang up on me. Then the system calls me back in about 4-5 minutes, and we go through the whole process over again. It is getting REALLY old. I counted the calls one day and their were 28. TWENTY god damned EIGHT phone calls in one day! They start at exactly 7:45am every day, and end somewhere around 9:30pm . I find it very annoying, particularly because after years and years of working night shift, I sleep in the early daylight hours and am up all night... so typically I'm about one hour into sleeping and the phone starts ringing.Yes, it is HSBC. And I do actually have a credit card through them. The card is technically late in payments. I lost my job and have little to no income, so I've been sending what I can. It just doesn't add up to what they want. So on the occasions when they do NOT hang up on me, I go through the whole argument with them about the debt, and they try to tell me I need to sell everything I own (which is precisely nothing) and send them the money, or get a friend or relative to take out a loan to pay them, etc. etc. - very unreasonable.So after talking to them, hang up, wait an hour or so, and they will call me back and go through the entire thing over again. One day I talked to their agents FIVE TIMES. All for the same damned account! I even got the same person twice! And when I told them I had already spoken to them they told me they hadn't called me since the week before and that I was obviously mistaken.  o.O  Also, one delusional operator from this company had the nerve to tell me that the economy is presently stronger than it has ever been, and unemployment is at all time lows, and that if I am unemployed it is obviously by my own choosing. Crackhead!After that I just stopped answering. Now I answer the phone for nobody. I let the machine pick up and if it's someone I want to talk to I will call them back. If God himself were to call me, he'd have to leave a message!

800-684-8429

384 Report Long ago Unknown
HSBC Cardservices! They call all day long and usually twice in a row. The operator NEVER speaks good English either!

800-684-8429

384 Report Long ago Unknown
800-684-8429 is HCB Card holders.

800-684-8429

384 Report Long ago Unknown
Yes they do. Best Buy is one of the cards that is owned by HSBC.

800-684-8429

384 Report Long ago Unknown
HSBC owns several banks, including Household Bank.

800-684-8429

384 Report Long ago Unknown
I have been getting the same pain in the neck phone calls all day long on my house phone and now my cell phone.  I looked them up and I don't even have one of there credit cards.  I joined the DO NOT CALL registry and they seem to be calling even more.  I wish I could call them 100 times a day starting at 8am until whenever.

800-684-8429

384 Report Long ago Unknown
I get them on my cell as of today and yesterday - its so annoying!

800-684-8429

384 Report Long ago Unknown
yes, these people are terrible- constant phone calls to the point I unplugged my phone... as long as they dont get the celll numbers in which case I would drive to their main office and punch some people in the face...

800-684-8429

384 Report Long ago Unknown
i get calls from this number costantly if HSBC i don't have an account with them or any other credit card just wish they would leave me alone.

800-684-8429

384 Report Long ago Unknown
like sarah this number i am getting calls as late as 2 in the morning.this has made it impossible for my doctors to reache me along with andy other need business that i need to take care of

800-684-8429

384 Report Long ago Unknown
Go buy a digital cordless phone with a programmable ringer feature, then program the CID contact info i.e. '1-800-what-ever' into it with a 'no ring' ring.  A decent 1x handset model with enough silicon in it to provide that feature shouldn't run you more than $45.....enjoy!

800-684-8429

384 Report Long ago Unknown
I totally agree! I have this number calling from 7am to 9pm every day! How do we stop it!

800-684-8429

384 Report Long ago Unknown
what a pain

800-684-8429

384 Report Long ago Unknown
The calls are still going around. I just started getting calls from HSBC last week about 4 times a day. This is to my work number and I dont have an account with HSBC or ever been in one of their buildings. I call the number back with goes to India first off where they will transfer you to the US customer service department for removing you from there call list. I dont know if this works after talking to one the CSR here but they say they will remove my number from their call list today.

800-684-8429

384 Report Long ago Unknown
It does help!  And yes...they call constantly...even on Sunday.  This past weekend from Friday night...yes after 9:00...until Sunday at right at 9:00...they called my phone 22 times.  Every other time I anwered and once even waited almost 2 minutes and no one would say anything.  They never leave a message.  They only way I knew who it was was through this message board!

800-684-8429

384 Report Long ago Unknown
No actually it is not. Some credit cards require references when you apply and if they used your name and phone number as a reference then it is perfectly legal to get calls for them.

800-684-8429

384 Report Long ago Unknown
i agree most neighbors may not even know each other that well these days, may not want you getting messages pertaining to thier business you know.

800-684-8429

384 Report Long ago Unknown
I would tell them "since when do I work for you"?I do not get paid to be your message service.wake up people! Don't do free work for them.

800-684-8429

384 Report Long ago Unknown
calling a neighbor of a debtor has never been against the law as long as they don't give you exact information about what they are calling for, but they can relay a message with anyone with call back information hoping that you will get the message

800-684-8429

384 Report Long ago Unknown
if they are calling about a neighbors bill that is against the law.

800-684-8429

384 Report Long ago Unknown
Yes, you are all right, it is Household bank, Yes! even if you are not late with your payments and even if you don't have a CC with them. First, if you have a card with them and are not late, they want to set up a payment, to help them with the cash flow.( So many people have defaulted) If you are late, I am soooo sorry they will not stop, from early in the morning till late at night and yes on sunday, even very early morning. If you don't have a card, maybe your a neighbor of someone who is late and they are trying to contact them. All of these calls are coming from over seas, when you frist pick up it takes a few minutes for the satelite to connect you so at first it sounds like no one is there, but there is. please note, most of these calls are from this 800 number, but wait, if they never get a peson on line, they will re-route they calls from a local area code in your neighborhood and it will say "Gateway Call" . lets say you live in a 212 area code, the caller ID will say Gateway Call and the numher will be 212-xxx-xxxx so you may think its a friend or other business call but it will be them. Good luck people I hope this information helps you

800-684-8429

384 Report Long ago Unknown
The Do Not Call Registry does not apply to collection calls.

800-684-8429

384 Report Long ago Unknown
Does NO good I am registered!

800-684-8429

384 Report Long ago Unknown
Same here, I do not have any dealings with any credit card company still I get 20 calls a day from this company they ask for someone who doesn't live at this address, I have answered and told the person on the other end that this is a wrong number and the person just hangup and call again 10 minutes later, I have not answered, let the voicemail answer and have turned on my fax, still no messages have been left and they continue to call until 9:00pm and start calling at 8:03 the next day, it is very annoying, this has been going on for about six months and I am on the DNCR.

800-684-8429

384 Report Long ago Unknown
Companies do not call that many times throughout the day for no reason. You obviously have something that that has to do with the company.

800-684-8429

384 Report Long ago Unknown
HSBC servivces credit accounts for many companies such as Home Depot, HFC, GM, Orchard Bank, Union Plus, Best Buy, and many others.

800-684-8429

384 Report Long ago Unknown
After reading many messages I just called back the numberthat has been calling me, I pressed 0 and stayed on the line a girl came on and I told her to take my number off her d... list I have nothingto do with Capital One, she checked and said it was a wrong number and she would take it off.

800-684-8429

384 Report Long ago Unknown
Same here.  Orchard bank. Late ONE payment... they're scratching for $15 USD... are you for real?  ugh. I missed one, and you'll get it on the next statement date... get over it, lol.

800-684-8429

384 Report Long ago Unknown
You hit the nail on the head. I get a ton of calls from this number as I am late ONE payment. It is Orchard Bank.

800-684-8429

384 Report Long ago Unknown
i have no credit cards of any kind nor do i want them why do they keep calling?!!!!!!

800-684-8429

384 Report Long ago Unknown
You might want to check your store credit cards.  HSBC holds many of them.

800-684-8429

384 Report Long ago Unknown
I have been registerd with DO NOT CALL since the beginning.  For me, calls from this number just started a few weeks ago.  I have not and never have done any business with HSBC.  I have no clue why they would call me.  I have tried ignoring the number, tried answering it in hopes of telling them to GO AWAY.  No one is ever there.  I've tried to call them back.  But the number must not accept incoming calls.

800-684-8429

384 Report Long ago Unknown
why don't you register with the do not call registry?

800-684-8429

384 Report Long ago Unknown
They call me everyday from three different numbers. Each number calls   5-7 times a day. It is annoying and it is harrasment. I called to removemy number and after a removed it the machine said it could take up to 60 days to remove it from there system. Thats Bull Shlt

800-684-8429

384 Report Long ago Unknown
Be very carefull. This company tries to "sell" you services like shopping discounts, insurance, etc. to "fill" the card so you have no available credit, and they either own all the services they are selling to you or get a percentage. Its a control method so they reap all the benefits of having you as a client plus charging you a ton of interest so you may not be late paying, etc. they are just trying every trick in the book to fill up that card.

800-684-8429

384 Report Long ago Unknown
I get an average of 12 calls a day from them. I just opened an account and am awaiting my first statement. They call to get payment before they have even sent a statement out! I am going to pay it off!! Hopefully they will not call anymore.

800-684-8429

384 Report Long ago Unknown
Someone sold your information then.

800-684-8429

384 Report Long ago Unknown
get you a telezapper from ebay $25.00

800-684-8429

384 Report Long ago Unknown
i know what you mean i was getting calls too if you have toast.net internet service it has a phone sevice that comes with there internet service for free then you can block the calls

800-684-8429

384 Report Long ago Unknown
Could you forward info you have on how to stop these calls?  Thanks

800-684-8429

384 Report Long ago Unknown
Please tell me about your solution ---- They are driving me nuts, and I don't even have an account with them.

800-684-8429

384 Report Long ago Unknown
I too have an Orchard Bank credit card but have made my payments on time. Even though they are made on time I receive phone calls from HSBC at least 10 - 12 times a day. They never leave a message. If I answer and say Hello, they say Hello and hang up. I wish they would at least let me say something so I can give them a confirmation number of my payment that had been made ON TIME. I only have a cell phone so if you do answer the call it uses your cell phone minutes.

800-684-8429

384 Report Long ago Unknown
I have never been late on my credit card until recently My Mother passed away and before I left to take care of the funeral arrangements,  I forgot to pay my credit card bill, Orchard bank and Now I get phone calls constantley the day i was in the Funeral Parlor they called my cell phone 17 times the day we buried Mom they called 26 times I am mourning you b*****ds.  I was so pissed I threw my cell phone in the lake    This is not right they should not be aloud to call like this.  Some body needs to do something.

800-684-8429

384 Report Long ago Unknown
The number is HSBC who services a lot of credit cards companies as well as best buy. Even if you keep all your card payments current it will not matter. If you close your card account it will not matter. They say that if you have ever done business with the the companies they service that it states in those lovely contracts that we agree to giving HSBC the right to solicit via the number we provided in the contract. They are legally protected and we have unknowingly given them the right to call us. I hate to be the bearer of bad news. I have simply saved their 800 number and their 713 number that they have been calling me from and blocked those numbers on my phone. That's how I quit getting their calls.

800-684-8429

384 Report Long ago Unknown
The number is HSBC who services a lot of credit cards companies as well as best buy. Even if you keep all your card payments current it will not matter. If you close your card account it will not matter. They say that if you have ever done business with the the companies they service that it states in those lovely contracts that we agree to giving HSBC the right to solicit via the number we provided in the contract. They are legally protected and we have unknowingly given them the right to call us. I hate to be the bearer of bad news. I have simply saved their 800 number and their 713 number that they have been calling me from and blocked those numbers on my phone. That's how I quit getting their calls.

800-684-8429

384 Report Long ago Unknown
Opps... I should have read further down.  Yes, it's linked to some type of revolving account.

800-684-8429

384 Report Long ago Unknown
I started receiving calls on my cellphone and found these posts.  The only thing that I can attribute to this is that I am a few days late on my Orchard Bank credit card to which HSBC is the servicer of the card.  Anyone else have the same common factor??  (They don't leave messages either and I have not picked up.  I'm going to be making a payment soon and will see if I continue to receive calls from this number.)

800-684-8429

384 Report Long ago Unknown
This number and about 100 other numbers are HSBC's consumer whitelabel credit division.You might not think that you have an account with HSBC, but if you have a revolving credit account with just about any major retailer in the U.S. you have an account with Household International, the parent company of HSB Consumer Credit.Some Retailers that 'buy' their credit from HSBC:BestBuyTargetWalmartNeimen MarcusMacysSteinmartFYEAnd about 100 others, so no you might not directly know you have a credit account with HSBC, but you actually do!Report them to who ever you want to, the only way to get rid of this predator is by paying off the debt and canceling the card, even then you won't be safe

800-684-8429

384 Report Long ago Unknown
We have been recieving these calls non stop latley on our cell phones.  Our numbers have been registered twice on the no call list in the past 3 years. Isn't it illegal for soliciators to call when our number is on the no call list?

800-684-8429

384 Report Long ago Unknown
Ana,  The best thing you can do at this time is to put all your phone numbers, including cell phone numbers, into the Do Not Call Registry.  Once you do that, give it the 30 days they request for this service to take hold.  From there, monitor all phone messages, write down all phone numbers give in voice mail, the time the call came in and of course the day/date.  Make as many complaints to the Do Not Call Registry as possible.  After alot of looking around, this phone number belongs to a place called Card Services.  I am assuming that this is a credit card company of some sort.  Make sure that you do not have a credit card through this company before filing any complaints.  If you do have a card through this company, it might be assumed that they are calling you due to some sort of solicitation or late payments.  Always document, document, document.  Its the only way to catch them at their own dirty little game.  I too am getting phone calls from not only this phone number, but a couple of others and sympathize with you 100%.  Good Luck.

800-684-8429

384 Report Long ago Unknown
Please share method used to get rid of these calls.  I am getting no less than 30 of these calls per day, even on Saturday and Sunday.  It is driving me crazy.  Thanks

800-684-8429

384 Report Long ago Unknown
I'd like to have that information too. Since January 15th they have called 167 times. Its beyond annoying.

800-684-8429

384 Report Long ago Unknown
please tell me about this number

800-684-8429

384 Report Long ago Unknown
randy can you tell us all how to get rid of these calls.....

800-684-8429

384 Report Long ago Unknown
i have had the same problem with this company and i got a solution for it as well because it is harsment i would be glad to give you the imformation you can text me at the hoo at randyt42025

800-684-8429

384 Report Long ago Unknown
These ba$tards call me up to 15 times a day.  Like many of you, I don't even bother picking up the phone (I don't pick it up for ANY "Unavailable" type call).  I am also, like many of you, a victim of getting these calls even on the weekends.  It doesn't matter the day, the calls begin early in the morning and continue until 10:00 at night.  No messages, so I'm assuming either the call isn't that important (so why call then??), or more likely it's computer-generated ( I HATE lazy-a** automation!).  Here's the kicker:  If it IS a credit card company, I don't even HAVE a credit card!  I've never owned one in my LIFE!  I have no outstanding debts or loans, and nothing on my credit report.  I wish I had Call-Block available in my area.

800-684-8429

384 Report Long ago Unknown
I get calls all day long, Sundays, it doesn't matter, they never leave a message and shows no infomation on the caller ID.

800-684-8429

384 Report Long ago Unknown
Put yourself on the "Do Not Call List"   If they are calling your cell block the number

800-684-8429

384 Report Long ago Unknown
Not entirely true. State laws supercede federal laws if they are stricter, such as Washington, which has a three-call-a-day rule. Doesn't matter if we speak to them or not. Also, one contact. If they hang up, talk to us or we leave a message, no more calls for the day. And, no more than three contacts per week. Debt collectors are supposed to know which states have which rules before they call. I also used to telemarket and our auto dialer would notify us if we were talking to someone who lived in a state where there are no rebuttals (you offer a service, the customer says no, and you say, "but Mr. Jackson, don't you know blah blah blah...). My point being, FDCPA laws are a minimum standard and states can issue standards higher than the federal ones. Best bet is to check with your states collection laws.

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384 Report Long ago Unknown
sorry buddy but it is a violation of law and you CANNOT call 20 times a day even to those that owe you money, in fact more times then not the Judge will drop the owed payment in a heartbeat if they catch folks like YOU calling people 20 times a day. Once it goes to court the person can and does often enough file a counter suit, not only are the payments dropped that are owed but the harassing company has to pay a fine and debt to the person that they committed the offense to. You are trained to think that you are in your jurisdiction to do so but you can be suit collectively as a company and PERSONALLY too !!! I know I use to be a para legal for an ACLU attorney amongst other things.  No matter if it is a debt collector or not, you do not have the right to intimidate, nor lie on the phone, nor harass, badger or threaten with lies to get an address or anything of the sort. YES many of these debt collectors do nefarious things like sell the information to others as well, they have no idea how much damage they can cause by being as criminal as those that cannot pay their debt, actually MOST folks would pay if they could, if they do not its because our nation and world economy has been sold out and trodden under foot. Nobody would not refuse to pay if they had the money and YET bill collectors torment and harass, thank God there are some awesome judges that are doing their part to stop this. A criminal is a criminal no matter what side of the desk they sit on. Its criminal to harass, there are U.C.C codes that protect the right and liberty of people UCC Title 18 Section 241 & 242 explicitly states this. And a person can actually pay a heavy fine of thousands of dollars and jail time for doing it. Folks need to learn their rights and pursue them fully to stop crooks of companies from harassing, using their personal data and also for not following laws and rights of the person in debt, there are ways to handle it but harassing is not one of them... Got it  java... To those that need advice, go look up taping laws and then find out your state laws, usually if you are apart of the conversation you can tape, you can also just point blankly state to the collector hunter that you are taping and then see how they either turn their call to sicky sweet or hang up faster then tomorrow. They usually always state that you are being taped, you too can tape and let them know it too... This way when you they call and say Hi I'm with blah blah company, that will already be on the tape, then you can state up front you are taping too, then if they refuse to give you their name, their location, their extension, their supervisor , or any of it, you got a HUGE case for court !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  taping is not illegal and often if you check the laws out they are very clear on it, you can also use the tape for documentation to keep your notes clear and write the entire tape down as well, so you not only have a tape but it in written form for the judge to view.. A good attorney will use it FAST, an unlearned one will not understand how to use tapes, most attorneys do though.

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384 Report Long ago Unknown
"They can call twenty times a day and it is still legal"Actually, no.  They cannot do this.  If either you or your fiance call me or someone like me who knows which end is up, like that, you'll find out exactly how expensive a mistake that was!  Not only is a calling schedule such as 20 times a day excessive by FDCPA standards, it is also a violation of telephone harassement statutes.Apparently you are not so 'well aware' of your limitations as you think you are."If there is a debt owed then we can call as many times as it takes to get you to answer. "Again, no you can't.  The law is that you are supposed to get something in writing - a demand letter - out to the person from whom you are attempting to collect within 5 days of that first call.  Substituting that legally required letter with more phone calls only makes you all that much more vulnerable to prosecution under the FDCPA.  It's $1,000 per call under the FDCPA and $1,500 under telephone harassement statutes.  If you don't believe me, see for yourself.  Contact the FTC and the FCC.

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384 Report Long ago Unknown
It is a violation of F.D.C.P.A to repeatedly call consumers who do owe on a debt, and when a collection agency violates that law that collection agency can be fine up to $1000 per incident. It's called harassment!! And there are laws against this...Read up on it!!!

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384 Report Long ago Unknown
Wrong!!! If you call someone contantly and they ask that you STOP calling and instead send a letter reuqesting recoupe for the dept...you HAVE to comply, stop calling and instead send them a letter. You can send as many as you want but if someone requests you stop calling there number and you continue...that's harrassement and is punishable by law. They can bring up chrages againts you and your company.

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384 Report Long ago Unknown
Bullsh1t  you and your fiancee' can eat bird doo

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384 Report Long ago Unknown
Actually, if someone answers your call and informs you that they only want to communicate through written correspondence, you can't call 20 times a day.  You would be breaking the law.You sound like another one of the revolving door employees who are given 2 hours of training.

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384 Report Long ago Unknown
Your incorrect in your notion that "your" company does not call on Sunday or requesting that my number be removed from their autodialer. I don't have a credit card or anything else with HSBC nor would I as they are crooks, however; they call me incessantly all day long. Either they don't know how to leave a message on voice mail or they just refuse. Mostly it is from overseas.

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384 Report Long ago Unknown
So let me get it straight. If I were a collector and I called you 10 times a day you would like that. Just curious. Guess if the shoe was on the other foot it would be different. Collectors don't even use their real names for fear of being sued.  Call someone for a debt. Use your real name. Call once a day and BE NICE. Scare tactics are illegal but most people are suckers. The Internet has made collectors jobs more difficult educating people of their rights. It is not right that the statute of limitations has run out on the debt and the collection agency wants you to promise to pay something so the debt will reage to current. THAT TO ME is poor business and anyone doing that should be fired and the company they work for sued

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384 Report Long ago Unknown
Actually, even if you owe a debt, you can tell a collection agency to not call you, and they must stop, but they can contact you in writing.  Federal law even limits those with legitimate debts from harassment.  Follow the law, or the next thing you know, legitimate debt or not, you're in court for harassment, and you wind up paying more in legal fees and judgments than the debt was to begin with.  Also, many collection agencies just call anyone with the same last name (I have a very common last name and get numerous calls fior others with the same last name) listed in the phone book. Upon the advice of an excellent consumer attorney in my home city, I work on the 3 strikes you're out system:  I document the incoming calls and will tell you twice you have the wrong person.  On the 3rd call, I contact  that attorney, and have a complaint filed.  I've won 2 of these cases that made it all the way into court, and I didn't owe the company a dime (I have 1 credit card which gets paid in full every month.)  A reputable collection agency can get what's owed to them by following the law.  The court doesn't seem to accept the "mistake" and "mixed up" defense, BTW.

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384 Report Long ago Unknown
or you have a number which was used before. my case i have only had cell phone number for 5 months and i have never given it out. and it is for outgoing calls only (i.e., emergencies, etc.)

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384 Report Long ago Unknown
Actually it is not a violation IF you owe a debt. They can call twenty times a day and it is still legal. My fiance and i both work for collection agencies and we are well aware of our limitations. If there is a debt owed then we can call as many times as it takes to get you to answer. We cannot call after 9 pm and where it is legal to call on a Sunday our company does not. You can report all you want, but once they investigate and find out it is an attempt to collect a DEBT it will go nowhere. We also DO follow do not call lists, so if you do not owe a debt and we still call you, you can request to be taken off the list. Sometimes there is a mistake in the system and phone numbers get mixed up. But one of the things I hear most is "Oh that's not my debt" in which case you need to investigate it because your identity has most likely been stolen then.

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384 Report Long ago Unknown
IT IS A VIOLATION OF A LOT OF LAWS YOU NEED TO REPORT THEM TO THE FEDERAL TRADE COMMISSION WITH THE DATES AND TIMES THEY CALLED , SORRY TO SAY BUT  IF YOU DONT  REPORT THEM YOU MUST LIKE GETTING THE CALLS.

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384 Report Long ago Unknown
The same here for me....they call constantly but leave no message....it's annoying and harrassing...this should not be allowed....

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384 Report Long ago Unknown
If you speak to them once a day, it is a violation FDIC law to call again.

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384 Report Long ago Unknown
How is that socialist? Do you even know what socialism is?

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384 Report Long ago Unknown
How is calling your phone number a "PRIVACY" issue??? Can they see into your bedroom???  GOOGLE is a great tool! Please to use so you do not sound like foolish American socialist.

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384 Report Long ago Unknown
facist-socialist?????????????

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384 Report Long ago Unknown
Following the procedures set forth by federal law doesn't work, either. I've filed several complaints, but because I don't get detailed information from whoever is on the other line (because they hang up before you can get any such information out of them), the complaints are dropped by the FCC. "Not enough information," they say, even if you provide them the phone number, business name, and date/time of the call. I've NEVER done business with these snakes, and I'm on the NDNC List, too; NOTHING works.

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384 Report Long ago Unknown
I hope you realize your rhetoric is just that...RHETORIC. These insane practices have been happening for many years. So blaming it on a president who has been in office for only 11 months is pointless and idiotic.

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384 Report Long ago Unknown
HSBC is a foreign company and they do not care unless you file legal action. I have had with them . Keep filing. law suites against them.

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384 Report Long ago Unknown
You don't know what you're talking about. We did file a complaint against HSBC with the BBB and they DID care that they had a report filed against them. They immediately stopped the calls and wrote us a letter of apology.

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384 Report Long ago Unknown
What will is contacting proper authorities. Threats schmets. Only little people threaten others. Use the NDNCL, ATTY GENS, and FTC. Why waste time with baseless threats. The BBB has no control over phone calls either. HSBC could care less if they had BBB complaint. What you going to call their mother too??  Get real my American comrades. Now that you have a facist-socialist Presidente, it is time to TAKE ACTION. Stop Whining!  Peace to the Great Nation, USA!

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384 Report Long ago Unknown
You do realize that if they are calling you after 9:00 PM that that is illegal? If they do it again, get the persons name id and the name of the agency from which they are calling from, then speak to a manager, get their name and ID number. Get an address of where you can send correspondence. I would threaten legal action and a report to the BBB. Create a cease and desist letter and copy it to a legal firm of your choice and to the BBB. If this doesnt stop the calls I don't know what will. But make sure you have documentation of when they called the number that they called from when you include this.

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384 Report Long ago Unknown
The same thing is happening to me.  They call about 10X per day and when I answer the phone....they don't say anything and just hangs up.

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384 Report Long ago Unknown
Sorry that happened to you I have been getting calls at lease 10 times a day and it is HS BC-they dont even bother to look at the fact that a payment is scheduled online....When I answer the phone they hang up on me and when I finally get thru to a Supervisor they are so disrespectful and unprofessional.  I think you should call your local news station and also file and complaint with the BBB-this harrassment has got to stop!

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384 Report Long ago Unknown
Exactly!  That is harrassing people-and they won't get money any faster either.  They are stupid

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384 Report Long ago Unknown
I agree. I work 3rd shift and they call me 10 times a day. When I do answer they hang up on me.

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384 Report Long ago Unknown
Exactly. I just got this new phone and new number and i get these random calls all the time. The voice goes "we have an important call for you, then there is a small noise, and it cuts you off.

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384 Report Long ago Unknown
It's an auto-dialer.  If you wait long enough, and I'm not saying you should, you'll probably be connected to an 'operator' who is either a soft collector, hard collector, or marketer, depending on your situation.  HSBC probably doesn't care if you don't know the purpose of the call.    The silent period after you pick up is a delay caused by the auto-dialer's workflow.   As soon as an operator became available, it called your number because yours is the next one in the queue.  Unfortunately, if the 'operator' takes a break and doesn't tell the software to skip him or her,  the workflow software has to wait before sending you to the next available 'operator'.  To me, that's a blessing, because I assume it's an auto-dialer when I hear nothing.  So, I hang up.  Hopefully, HSBC won't receive any bail-out funds, because I'd hate to see them increase their 'operator' staff and bug the h*ll out of more people.  They've called me 5 times a day for the past week, even though  I've paid my credit card religiously.  Please on't bail them out!www.notosocialism.us.

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384 Report Long ago Unknown
Well that is all depending WHY they are calling, if you have done business with them or their vendor, or given them (or a vendor they represent) permission to call, then DNC list does not apply.  As for teens this MAY be bit more fuzzy, however I think the same rules apply or if a parent/guarden gave them permission, the exception may be if you are under 13, but not sure what happens if a parent inadvertently gives permission.

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384 Report Long ago Unknown
I got calls to and i just got this number last week brand new phone and all ready 8 calls and they don't stop

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384 Report Long ago Unknown
Funny thing about this number is it's not even my voice line they are calling.  You would think after getting a fax tone in their ears (whatever) they would get the hint.I think I will have to contact my AG (and they don't like me as it is :) )

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384 Report Long ago Unknown
it want do any good Iv'e try they still call late at night and if they get fine like you said they would go broke .The phone company want them to call that where att get it money from.

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384 Report Long ago Unknown
It is auto-dialer calling. The will continue to call until you call and tell them REMOVE my number from all auto-dialer campaigns or your actions will be reported to Atty General (state), US ATTY General (federal), and FTC (Federal Trade Commission. If you do not do business with this group, please to place your phone number(s) on National Do Not Call List. Then they will have to pay fines if they violate your solace again! Peace to the People of the Great Nation, USA!!

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384 Report Long ago Unknown
I get the sam thing and am sick of it can' we stop these

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384 Report Long ago Unknown
this place called me 10 times today, I have a credit card but not from them and my payment is not due yet.  I rush to answer it as they have been calling for the last several days.  I also say hello several times and then it goes dead this is driving me crazy as this call is to my cell number so I have to pay for it.  really stupid place

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384 Report Long ago Unknown
It doesn't matter if you pick up.  Tonight I got a call from this number and picked up the phone.  I said "Hello?" several times and then they  just hung up.  I don't see the point of calling constantly if they're not going to talk to me when I answer.

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384 Report Long ago Unknown
I hope you've answered their call to see if you have a credit card you're not aware of.

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384 Report Long ago Unknown
This number calls us CONSTANTLY. Literally 5 to 8 times PER day! Until as laste as 10:30pm and even on Sunday's. They NEVER leave any messages. We were relieved in a way to learn this is HSBC bank, but disturbed because we have never done any business with them and do not have any credit problems. I think calling more than twice in one day is a violation of privacy laws....

800-684-8429

384 Report Long ago Unknown
HSBC? I have no conection to them at all. Also a number 360-350-5282 calls 5 minutes after. It might be connected.

800-684-8429

384 Report Long ago Unknown
Do not call me

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384 Report Long ago Unknown
IT IS HSBC !  Also known as Household Bank.  There is a class action suit on them, so maybe they wnt to get as many as possible to "opt-out".

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384 Report Long ago Unknown
Actually, they don't have to validate, but if they can't they have to cease collection activity, including remove it from your credit report if it's on there.  Some of them give you a hard time, but you can sue them.

800-684-8429

384 Report Long ago Unknown
Lisa, by the laws stated in the fdcpa they have to.  I would try to send another letter but with fedex or another company like that.  by doing it this way you can find out when they received it.  i worked in collections for six months and hated every second of it, (i was told i was too customer service and needed to be more of an a**).  you can also send a cease and desist letter which will get them to stop calling but whatever debt will still be out there.  just Google cease and desist letter template and you can find an easy way of creating one.  The laws in the fdcpa vary state to state but overall are the same.  these people can only call you once a day (contact has to be made with the "debtor" or a message is left on the voice mail) and after that, its a big no no.  they can technically keep calling as long as a message isn't left or contact hasn't been made.  But at that point they are getting into harassment.  For an example, over the last three days i have received 15 calls from this number.  that is considered harassment and i will be going after them with a lawyer.  sorry for the wall of text.  if you, or anyone else, have any questions feel free to ask.  email is trueform28@email.com or ask here.

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384 Report Long ago Unknown
What happens if the company doesn't respond to the Validation of Debt request?

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384 Report Long ago Unknown
Actually, you can send a "Validaton of Debt" request for any charges they say you owe. If they cantprove it, then you don't owe it.You can also send a "Cease and Desist", which prohibits them from contacting you at all, save for certain exceptions (listed in the FDCPA).That said, the latter should be a last resort if you owe a debt, as it often prompts legal action. The validaton of debt idoes help in the event that your debt has been sold to a collection agency, as they often can't provide documentation to back ther claim. When you send one, send it certified mail. They're not allowed to contact you again until the validate it, and they only have 30 days to do that.

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384 Report Long ago Unknown
Don't ever give any debt collector your name or address!! Armed with that information plus your telephone number, they simply apply the debt to you (if there really is one) or send you information about something that happened in the distant past and insist that it's really yours. And trying to get past that is a doozy.

800-684-8429

384 Report Long ago Unknown
is everyone paperless or what in this country?  send an invoice in the mail otherwise u aint getting s***!!!!

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384 Report Long ago Unknown
Yeah they do they same to me, i have a 0.00 balance and they call me!

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384 Report Long ago Unknown
They don't care my son is Autistic and they some how got hima a credit card that now I have to pay!!!

800-684-8429

384 Report Long ago Unknown
Because someone gave your number when applying for credit. I know, it happens to my son all the time, and it's the same guy.

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384 Report Long ago Unknown
I have three Capital One cards and have had no issues with them.

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384 Report Long ago Unknown
And if you settle for 50% you better be prepared to receive a 1099A or 1099C in the mail the first part of the year, because they will declare the difference between what you owed and what you paid as income.  Not many people realize that when they offer to settle.  Alot of settlement letters will show up in mailboxes beginning around September of each year.  If you want to read a little more check here: http://blog.credit.com/2012/02/just-received-a-1099-c-dont-freak-out/

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384 Report Long ago Unknown
Here's the thing about Capital One. They say they aren't like the others with fees, but they do one thing that no other company has ever done to me. If you max the card, and it goes over the limit during the finance charge addition, they will charge you for it. If you pay the minimum (which I did when out of a job), and it remains over the limit, they will again charge the overlimit fee. The overlimit fee is often more than the minimum required payment, so a person trying to slowly pay off the card just winds up deeper in debt. I said screw them, and stopped paying and put the money toward other cards. Now they are offering to settle at 50% of the total owed, which is about what it would have been if the fees had not been tacked on. I've dealt with more expensive cards, but no one has as poor customer service and fee handling as Capital One.

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384 Report Long ago Unknown
Oh, also DNC list does NOT  apply or mean anything if you are their customer, or customer of a business/vendor they represent, or if you have given them or someone they represent permission to contact you.  Or if you are a minor, that a parent also may have given permission. DNC registry list no longer applies in any of those cases.  Truth is DNC list doesn't stop most calls as those calling now adays have some form of business relationship with you, even if you don't know it.DNC list applies ONLY applies to cold calling, and the people that do most of those calls do so from little 3rd world countries outside the US, making them hard to reach by government hands

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384 Report Long ago Unknown
This is HSBC however a couple things you should know, this is one of their many white label numbers.  This means that if you own one of a 100 different credit cards or store credit cards , it is still under HSBC, even if you never heard the name before.ALSO HSBC/household bank was in trouble and they sold many of their credit card brands to Capital One, they are going to use the  "HSBC" brand apparently, but it is actually now under going transition to Capital One (and now owned by them).  Apparently the will continue to license the HSBC brand name for the cards, and all the numbers will continue to remain the same however.  If you have an affinity card like a branded card or one of 100's of store credit cards, I assume those are mostly going to Capital One too, however I know that the visa/mastercard ones are.Big new fact though.  I know they are sending out letters to SOME customers informing them of this, but not all.  I think it is mainly affinity programs that are getting the notice. As far as if Capital One is Better or Worse than the "orginal" hsbc/household bank, not sure, but as a rule seems that those brands that advertise a lot or use mass media tend to be lower rated in customer satisfaction, and never heard anything particularly good about Capital One

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384 Report Long ago Unknown
Me as well !!! they call me like litterally 14 times today -.-

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384 Report Long ago Unknown
are you kidding, the company is not ethical, they have a SLEW of complaints, its almost certain it is not identity theft but them trying to do the thieving off the consumer to gather personal data, they will sell it to any affiliate gladly

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384 Report Long ago Unknown
Have your parents run a credit check on you. Someone might be using your social security number.

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384 Report Long ago Unknown
this number keeps calling me don't worry & im 12 in 6th grade so dont worry

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384 Report Long ago Unknown
If you don't wan to answer, then don't.

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384 Report Long ago Unknown
Me too!!! They've called two times so far but i'm worried they'll keep calling. I don't really want to answer either...

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384 Report Long ago Unknown
Inform your parents.  Someone may have gotten your social security number and opened accounts in your name.

800-684-8429

384 Report Long ago Unknown
If you're 13 and you're receiving calls from HSBC, it MIGHT be because your identity has been stolen. Have your parents go to http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html to find out what to do next.

800-684-8429

384 Report Long ago Unknown
because you have a SS#

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384 Report Long ago Unknown
I have been getting these calls for the last couple of days - several times a day.  If they are HSBC, they have been bought out by Capital One.  It does not matter if they are crooks, you are still obligated to pay the debt unless the court says you do not have to pay it.  If you don't pay it, they will come after you to try and collect.

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384 Report Long ago Unknown
really?

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384 Report Long ago Unknown
I don't believe I said anything about owing them money.  My credit score is fantastic, thanks for your concern.

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384 Report Long ago Unknown
What I especially think is funny is that I am now on SSI/SSD and they can't touch that money no matter what kind of court order. So HSBC will not only not get paid by me they will further waste money trying to obtain money from me that in no way can they get.  Keep sending letters. Keep calling. Send attorneys to represent you in court. The bottom line is I have very little money and that money is social security and can't be touched.

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384 Report Long ago Unknown
It bothers me not owing crooks like this money. I have no legal obligation to pay a bill to an illegal drug business.  HSBC was in with the Mexican drug gangs who killed 60,000 people this year. As far as I am concerned HSBC is nothing but a company filled with murderers and I will never send them a penny to further their killing as that would be a sin.

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384 Report Long ago Unknown
HSBC also entered into a business agreement that they would not defraud their investors.  Criminal acts were performed....and yet no one went to jail.  Now they will pay for their criminal acts with the money they collect from decent, ordinary people.  Probably will jack up fees and interest rates.  Their has been no sign of contrition on their part.  To them, the felony was just a business deal.If you borrowed money from an uncle...and found out he was using it to produce child pornography, would you continue to send him checks?  Paying them back is supporting a criminal enterprise.

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384 Report Long ago Unknown
So rather than sit on here and bi*** about it, pay your debt and cancel your card. Problem solved.

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384 Report Long ago Unknown
Too big to fail even if they keep money belonging to some of the world's most dangerous criminals? Both the enemies and the ones who work for them deserve the death penalty.

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384 Report Long ago Unknown
Capitol One which is part of ING is no better than HSBC who was helping launder Mexican drug cartel money.On June 12, 2012, the U.S. Department of the Treasury’s Office of Foreign Assets Control announced a $619 million settlement[10] with ING Bank N.V. to settle potential liability for conspiring to violate[11] the International Emergency Economic Powers Act (IEEPA) and the Trading with the Enemy Act (TWEA) and for violating New York state laws by illegally moving billions of dollars through the U.S. financial system on behalf of sanctioned Cuban and Iranian entities.Helping the Iranians who are terrorists. So it's either Mexican drug gangs or Iranian terrorists. either way you are supporting evil when you make any payment to these companies.  Trading with the Enemy Act!!!  These people are the enemy of the USA and some of these clowns want you to feel bad if you owe them money. Every dime you keep out of their hands could be another life saved.

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384 Report Long ago Unknown
One could say that, but it wouldn't make them correct.

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384 Report Long ago Unknown
"As previously pointed out, you entered into a business agreement with them when you accepted and used their card.""HSBC sold their credit cards to Capitol One"One could say that the agreement was with HSBC not with Capital One.

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384 Report Long ago Unknown
Whether our not you're a debt collector,I agree with you.These people are mad because they get calls because of debts they refuse to pay. Very well said.

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384 Report Long ago Unknown
BWHAHHAHAAA  Just like looking thru glass.

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384 Report Long ago Unknown
you didn't seem to have any moral obligation to spending that "dirty" money.  just another typical freeloader who won't ever have anything good in this life because you don't take responsibility for your actions.  any job is a good job; better than living on welfare.

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384 Report Long ago Unknown
You don't seem to be able to keep your ID's straight. It looks like you are a liar and the you came here because of a late payment won't work because if you paid it why are you coming back to this board.  You are a scumbag debt collector and maybe you should get a real job instead of one where you harrass people for a living.  The bottom line is you won't get a penny from me and it does not bother me because HSBC is a drug laundering criminal enetrprise and supporting killers like HSBC is immoral.  Waiting for your next lame attempt.

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384 Report Long ago Unknown
Additionally, when did I ever say I had good credit?? Perhaps you should stop reading into things and get busy getting an education and a job instead of blaming everything on your ex husband. You have just as much liability as he.

800-684-8429

384 Report Long ago Unknown
You are so obviously a debt-collector. How much do they pay at the collection agency you work at?  What's the matter...cant' get a real job?  Mickey D's is hiring, bet you'd look cool in the brown uniform. Repeat after me:  "Do you want fries with that?"

800-684-8429

384 Report Long ago Unknown
I bet you are one of those people that won't think before you talk, circumstances causes many problems, people get fired, layed off, jilted, ill health and a hundred more reasons not to have money to pay their obligations, most people don't deserved to be harrased by these right-fully called slum-bags. Suppose you were faced with a heart trans-plant bill of $250,000 and called 20 times a day for a credit card bills you can't pay. What comes first, rent, lights, food. You need a course in human nature and understanding.

800-684-8429

384 Report Long ago Unknown
A medical sonographer - aka xray tech - maxes out at about $45,000/year.  I got on this board  because HSBC bank called my cell today.  For the first time since I owned the card, I forgot to make a payment.  I only owe $40 bucks but am 16 days late on my minimum payment of $10.  So, I'm a nurse with an MSN, living in CT who made over $100K last year.  I drive a $20,000 car.  Damn....had I known I can own a BMW/Mercedes or whatever it is you drive, I would have foregone my 8 years of schooling and become a medical sonographer.

800-684-8429

384 Report Long ago Unknown
Maybe Gunnar should check his/her usage & spelling of there/their.

800-684-8429

384 Report Long ago Unknown
So you are a wealthy LA songrapher with a $100,000 car and you don't even know that I is capitalized. I would think some sort of education is required for that position. From the looks of your posting Gunnar described your stupidity very well and you lived up to that description. No doubts that debt collection was the only job you were qualified for.

800-684-8429

384 Report Long ago Unknown
you know debt collectors? well i'm not one. i'm a diagnostic medical sonographer in los angeles, NOT a debt collector. i am not a low-life. i have a very successful spouse, and we have two homes, and two luxury cars- one that cost over $100,000. why are you people so paranoid that everyone standing up for a debt collector is secretly a debt collector posing as somebody else. you have issues. i'm leaving this conversation now, because i have to go to work, at the HOSPITAL. you can troll around these pages, attacking people or whatever you need to do to make yourself feel relevant. i stumbled upon this page trying to figure out who was calling me, and discovered a snake pit of people who are avoiding their debts. how did you end up here? it doesn't matter anyway. your deranged mind has your own version of the truth and whats right and wrong. you have an out of control hatred for debt collectors, which means you probably have been delinquent before. good luck with your life. i have a feeling that you probably need it.

800-684-8429

384 Report Long ago Unknown
Sorry to burst your bubble there 'Tommy'. I don't owe a single penny to anyone, for anything. The only debt I maintain is for business and tax purposes. Of course, I don't expect you to understand that any debt can be advantageous. You're just a low-life debt collector and the only thing you'd know about taxes is how to fill out a 1040 and wait for your refund check. So 'Tommy', do you actually think the people here are looking for a 'free ride'? They are not. The vast majority of people here have been victimized by sleazy debt collectors. Debt collectors who are incapable of getting honest work. Scum who have felony records and/or substance abuse problems. Dirt-bags who convince themselves that sitting all day on their fat, lazy behinds trying to con people out of money is a real job. Debt collectors who lie about what they do because they know what they are. Losers. You see 'Tommy', I know debt collectors. I've been in court rooms with more than a few. As a Plaintiff, not as a Defendant. It's always easy to spot a debt collector in a court room. The only ones there looking slimier than they are are their half-drunk Attys. And if their Attys. are only half-drunk it means it's still morning and the counselors haven't drank there lunch yet. Before you start mentally composing your reply 'Tommy', know this. I've never taken a pay-day loan. I've never even given it a thought. Like most people I have problems, but money is not one of them. I've never been sued and I can honestly say that there is not a soul on this planet who would be able to conceive of a reason why I would be. But I have been forced to legally pursue frauds who have been foolish enough to think that the people they prey upon are just as worthless as they are. The one shining asset that most debt collectors share is there incredible arrogance and there equally impressive stupidity. Debt collectors employ people who are even dumber than they are. That includes their Attys. Which is why the only times you'll see debt collectors in court is when they've been served. Or arrested. You want to applaud debt collectors 'Tommy'? Then spin your chair around and give all your fellow vermin in the boiler-room a big hand. Then try and get all their real names and phone numbers. You're sitting on a gold mine there 'Tommy'! Debt collectors are by far the biggest dead-beats in existence. Not that you'll ever collect a dime from them. If they had anything (or any pride) they wouldn't be debt collectors. But you are right 'Tommy'. There is no free ride. Debt collectors know this very well. They're always slinking around looking for bus fare.

800-684-8429

384 Report Long ago Unknown
you people need to lay off debt collectors. it isn't their fault you don't live up to your obligations. you borrowed money, you had fun spending it, now pay it back. to me, it is the debtors, not the collectors, that should be ashamed of themselves.  i'm on here because i forgot to send a payment and wondered who was calling me.  i'm embarrassed that i'm late, as should all of you whiny bi****s that blame the collector.  you don't get a free ride in this life.  i'm sure the collector doesn't love their job, but they understand that any job is necessary to survive, pay their bills, and not sit around bitching about it.  i applaud them, and would do it myself if i needed to.  better than living off the government, borrowing money from creditors, and not paying it back.  freeloading a***oles.

800-684-8429

384 Report Long ago Unknown
Actually a debt collector is not one step below a fast food worker. A debt colector is far below that. The 5$ crack w***e on the corner has a social position well above that of a debt collector. The w***e at least provides a service. A debt collector provides nothing. He is there to enrich his bosses and make a few meager dollars for himself.Put simply, the only organisms on this planet lower than a debt collector are the outright crooks working out of India, Jamaica and the Dominican Republic.

800-684-8429

384 Report Long ago Unknown
"Everyone has to have a job and in this economy some beggars can't be choosers as the saying goes."  Actually if you were educated you would not be begging for jobs they would be begging you.  Obviously debt collection is one of the few things you are qualified for and should be thankful some fool would even hire you. Debt collection one step below a fast food worker.

800-684-8429

384 Report Long ago Unknown
You Get Nothing!

800-684-8429

384 Report Long ago Unknown
So let me get this straight. You expect us to believe that you are just late on a payment and yet you keep coming back to this board to comment on others. Does this lie make sense? Of course you are a scumbag debt collector. My God you are not even smart enough to remember your ID.  Now when you try and comment on this post you better think of a good reason you are checking on this board.  Let me explain another thing to you because I think you don't understand much. The 6 or 7 calls a day are forwarded to a cell phone that does not ever ring. I check it at the end of the day and laugh at all your lame attempts to contact me. You won't ever see a penny of my money.

800-684-8429

384 Report Long ago Unknown
Actually, I looked up this number because they called me. I am late on my payment. Doesn't matter why, but I do feel it is an obligation that I owe and it seriously ticks me off when others don't feel they shouldn't pay.As far as your comment that debt collectors are scumbags: if you owned a business and someone owed you money, wouldn't you want someone to collect that debt for you? Or are you so nice you'd just like to give things away? Everyone has to have a job and in this economy some beggars can't be choosers as the saying goes. Don't be stupid. Also, the "husband made all the debt and left me with it" is a tired excuse. Own up to your responsibility.

800-684-8429

384 Report Long ago Unknown
I always wonder why someone with good credit would even be reading these boards??  Sounds like a debt collector arguing their case. I wonder even more what kind of scumbag would choose debt collection as a job???My debts were incurred when my a** husband left me with nothing and stole what little I have. Am I as much a slimy person as this bank which apparently helped mexican drug gangs with their drug trade.  If you are not aware of it people are being murdered in this drug war in mexico.  I don't think my failure to pay a $500 debt compares to the murder of people in mexico. Maybe in your twisted world it does but then I can't imagine anybody who would choose debt collection as a way to make money unless they were the type of person who feeds on the pain of others and then I bet those murders in mexico actually make you feel good.

800-684-8429

384 Report Long ago Unknown
More than morality for them. As previously pointed out, you entered into a business agreement with them when you accepted and used their card. Looks like you're just looking for a excuse to not pay your debt which makes you almost slimy as they. Besides that: HSBC sold their credit cards to Capitol One so you don't owe HSBC anymore, you owe Cap One. Stop making excuses.

800-684-8429

384 Report Long ago Unknown
A bit more than morality involved here. HSBC was in business with drug dealers. That is illegal and not up for a morality test. They said they were sorry as if that is enough. I am sorry I can't pay back my debt. That should suffice.

800-684-8429

384 Report Long ago Unknown
Crooks that lend you money on their s****y credit card with your s****y credit you signed up for with your social security number. Doesn't mean you don't owe them money because you don't agree with them morally, still a legal business agreement

800-684-8429

384 Report Long ago Unknown
British bank HSBC has agreed to pay $1.9 billion to settle a New York based-probe in connection with the laundering of money from narcotics traffickers in Mexico, U.S. authorities announced Tuesday.This is who you support when you give HSBC any money.  They are crooks and you have no obligation to pay them any debt owed.

800-684-8429

384 Report Long ago Unknown
They called me Friday, Saturday, and Sunday morning starting at 8:01am until 9:00pm.   5-6 times a day.  By law (at least here) they must stop calling if you tell them you do not wish to receive anymore phone calls from them.

800-684-8429

384 Report Long ago Unknown
4 times in 15 minutes for me!

800-684-8429

384 Report Long ago Unknown
Likewise, no one ever here by that name, first time I've ever gotten calls for such a person.  When I tried to explain this to the lady today, she talked over me and hung up.  Calls x5 so far, in 3 days.

800-684-8429

384 Report Long ago Unknown
Same here.They keep asking for this person && I've told them that I don't know anyone by that name && they keep calling.

800-684-8429

384 Report Long ago Unknown
But. I'm 13?Why would they be calling me?

800-684-8429

384 Report Long ago Unknown
It's HSBC.  I'm not even late on my payment.  But they keep calling me.  I think they want me to enroll in some kind of protection for my credit card. That's probably why they call you.

800-684-8429

384 Report Long ago Unknown
This number calls constantly. 3-4 times a day the phone rings and we rush to pick up. The caller id says Unavailable so we wait if they leave any message but there aren't any. If there was something important my guess is they would leave a message.

713-955-9265

9 Report Long ago Unknown
We've gotten several calls from "URS" asking for my wife by her maiden name.  They've repeated demanded our mailing address after giving us no reason for the call.  They attempt to justify their call by giving a "last known address" for my wife - which she has never lived at.  They're rude, demand private information, and they give us no reason for calling besides "it's a personal matter."  I suspect this is a legitimate debt collection agency with poor business practices.  In our case, my wife has a common name and they either have the wrong person, or won't bother to give us enough information to prove they DO have the right person. Annoying.  http://www.unitedrecoverysystems.com/

713-955-9265

9 Report Long ago Unknown
appears to be a pattern - 281-901-6990/1/2/3/4/5/6/7/8/9 -- 281-891-4038 1/2/3/4/5/6/7/8/9/0 -- 305-368-8874/5/6/7/8/9/0/1/2/3/4...United Recovery appears to be buying old debts, and has blocks of phone numbers as their phonebank...."V22512390300091" is what is listed as the caller ID.

713-955-9265

9 Report Long ago Unknown
United Systems Recovery  . . . ??

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