HSBC Debt Collection Complaint

HSBC Debt collection department,

Credit card Taking/threatening an illegal action Sued w/o proper notification of suit California

- - contacted me regarding a charged off HSBC. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to - - - is paid. I contacted - - at - - - and she said I owed $1700.00 as of - -, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a - - collection on an HSBC account ending in -. I advised her that - - never validated the debt and demanded that - - - validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by


my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered $820.00 had already been garnished from my paycheck. I called - back and asked her to draft a written agreement that the account would be paid in full once the remaining $430.00 was paid. She refused, saying that the amount garnished does not affect the $1200.00 settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.