Jump to content

HSBC Dispute Response


Gravity357
 Share

Recommended Posts

So I disputed a old TL with Experian that was HSBC. I get the letter below from them today. Should I respond? This has been deleted off of TU and EQ. Thanks for all the help everyone.

HSBC Retail Services

PO BOX 15521

WILMINGTON DE 19850-5521

12/08/2007

Re: ROOMS TO 60 PRE-APPROVAL Account Number: 000000000000000000 Balance: $1,000.01

Dear Gravity357:

HSBC Retail Services has received your credit bureau dispute concerning the above referenced account. In order to further research your dispute, we need a detailed letter supporting your fraud claim. The letter must provide a full explanation of the circumstances surrounding the fraud claim, along with a copy of a police report.

!

Please send the above requested information to the following address and enclose a copy of your driver's license or state-issued photo identification.

Send this information to:

HSBC Retail Services P.O. Box 15535 Wilmington, DE 19850 Attn: Fraud Department

Should you have any questions or require additional information, please feel free to contact us M-F 8am-5pm ET at 1-800-825-5716.

Sincerely, Fraud Department L160

Link to comment
Share on other sites

Nope. I just called and disputed it with Experian.

Exactly what did you say to them that led them to believe it was fraud.

and on another note: Stop Talking To Them On The Phone.

I can assure you they have your entire conversation recorded and chances are without you remembering you probably made some statement slightly hinted something of fraud that triggered them to send the fraud responce letter.

To those that read this post, this is a great example of why you never, ever talk to the CRA, or CA's on a telephone.

Link to comment
Share on other sites

Exactly what did you say to them that led them to believe it was fraud.

and on another note: Stop Talking To Them On The Phone.

I can assure you they have your entire conversation recorded and chances are without you remembering you probably made some statement slightly hinted something of fraud that triggered them to send the fraud responce letter.

To those that read this post, this is a great example of why you never, ever talk to the CRA, or CA's on a telephone.

Whatever dude. Don't even try to talk down to me and try to make an example out of me. I disputed as not mine. Also, I'd like to point out in 2 months, I've gotten 16 deletes, so I think I'm pretty good at doing this. When I get the "item already disputed letter, yelling seems to help." Now move along and make yourself important in some other thread.

Link to comment
Share on other sites

It's hot air. A LOT of creditors are doing this now. It's a pro-active scare tactic. They think simply because you're disputing the account then it MUST be fraud. It's BS. I have received a few of those myself, one of them (Chase I think it was) actually wanted me to physically sign off that the account was mine! lol I would not answer that letter. Search around the site, this sort of thing has been posted about often every now and then....

Link to comment
Share on other sites

Not so sure i would say scare tactic. The question I would ask, is when you disputed with the CRA, did you say not mine? I have also noticied this response being posted frequently. I suspect it is the latest CA response tactic, or ploy if you will, to a not mine dispute with a CRA.

Link to comment
Share on other sites

Whatever dude. Don't even try to talk down to me and try to make an example out of me. I disputed as not mine. Also, I'd like to point out in 2 months, I've gotten 16 deletes, so I think I'm pretty good at doing this. When I get the "item already disputed letter, yelling seems to help." Now move along and make yourself important in some other thread.
Yes, and if you dispute as "not mine" over the phone, they classify it as being fraud. If it's on your CR, and you say it's not yours, what else is left? There are only so many codes that exist to kick off an investigation. Calling a CRA is the dumbest thing you can do (I know, I used to work for TU).

When you call the CRA, your phone call is monitored by a supervisor. It's much, much different than writing a letter to dispute (they are not monitored).

That being said, I hope HSBC nails you on this one. Way to be be respectful to people trying to help you.

Link to comment
Share on other sites

Yes, and if you dispute as "not mine" over the phone, they classify it as being fraud. If it's on your CR, and you say it's not yours, what else is left? There are only so many codes that exist to kick off an investigation. Calling a CRA is the dumbest thing you can do (I know, I used to work for TU).

When you call the CRA, your phone call is monitored by a supervisor. It's much, much different than writing a letter to dispute (they are not monitored).

That being said, I hope HSBC nails you on this one. Way to be be respectful to people trying to help you.

Whats left? How about a mistake ? I had 2 accounts that were not mine reported on my CR. Was a pain in the xshakeitx to get removed because of there fraud BS. Must send police report to have deleted? Now thats the dumbest thing. Both were from Chase, They had my account mixed with 2 others. They were good TL's so why would I have wanted them removed if it was fraud! Took 2 months for the matter to be solved.

Link to comment
Share on other sites

Yes, and if you dispute as "not mine" over the phone, they classify it as being fraud. If it's on your CR, and you say it's not yours, what else is left? There are only so many codes that exist to kick off an investigation. Calling a CRA is the dumbest thing you can do (I know, I used to work for TU).

When you call the CRA, your phone call is monitored by a supervisor. It's much, much different than writing a letter to dispute (they are not monitored).

That being said, I hope HSBC nails you on this one. Way to be be respectful to people trying to help you.

Be careful....he might delete you from his MySpace friends....8-)

Link to comment
Share on other sites

i've sent several not mine accounts, placed a fraud alert on my accts, but i've never received that ltr. however tu has sent me the "permissible purpose" ltr regarding removing inq's pls contact the creditor bla bla bla, all i did was wait out the 30 day time period & resubmit the same ltr adding submitted previously on date & they removed all, but one inq...

you get more flies with honey than vinegar...being respectful just feels betterxangelx:mrgreen::)

Link to comment
Share on other sites

Not so sure i would say scare tactic. The question I would ask, is when you disputed with the CRA, did you say not mine? I have also noticied this response being posted frequently. I suspect it is the latest CA response tactic, or ploy if you will, to a not mine dispute with a CRA.

Basically, I told the guy on the phone "this account isnt mine. I want you to re-investigate because I keep getting the we refuse to re-investigate letter when I write a dispute. He was said what is the reason, I said it isn't my account.

To the guy that used to work for the CRA, I could respond nasty to your comment but because it's the Holidays, I'll be nice.

Link to comment
Share on other sites

Whats left? How about a mistake ? I had 2 accounts that were not mine reported on my CR. Was a pain in the xshakeitx to get removed because of there fraud BS. Must send police report to have deleted? Now thats the dumbest thing. Both were from Chase, They had my account mixed with 2 others. They were good TL's so why would I have wanted them removed if it was fraud! Took 2 months for the matter to be solved.

Your information doesn't have to be stolen for something to be considered fraud. A mistake is fraud. Anything on your report that truly doesn't belong to you is fraud.

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...