Confused with Reporting Two OC same collection Help

[NY2014]

Hi forum I'm going crazy with this one account sense Oct 2013 I didn't have an account with HSBC nor have heard Calvary I disputed this account numerous times every time/ I made a mistake contacting this Collection to find out what this is Debt and ever sense my report had consent changes that I cannot get any collaboration or mixed channels. Capital one says there not account numerous of times Hsbc the same .the collection agency we'll another story .they bought the debt and have not sent any documents to claim anything only keeps reporting finally I sent them a DV last week and filed a compliant with the BBB regarding unfair practice to get some feedback.havent heard back .anyways , has anyone ever had this situation happen ? Is this reporting correctly ? I feel I'm getting double collection or two major OC charging off the same Debt can anyone help my understand why ?
Gratefully appreciated


Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit
CAPITAL ONE
Hide Details 515597009100XXXX 10/12/2010 $0 04/24/2014 CHARGE-OFF $300
CAPITAL ONE
PO Box 5253
Carol Stream, IL-601975253
(800) 477-6000
Account Number: 515597009100XXXX Status: CHARGE-OFF
Account Owner: Individual Account. High Credit:
Type of Account : Revolving Credit Limit: $300
Term Duration: Terms Frequency: Monthly (due every month)
Date Opened: 10/12/2010 Balance: $0
Date Reported: 04/24/2014 Amount Past Due:
Date of Last Payment: 01/2011 Actual Payment Amount:
Scheduled Payment Amount: Date of Last Activity: N/A
Date Major Delinquency First Reported: 07/2011 Months Reviewed: 9
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Credit Card
Date of First Delinquency: 01/2011
Comments:
81-Month Payment History

515597009100XXXX 10/26/2010 $0 02/23/2014 CHARGE-OFF $300
HSBC BANK
PO Box 9
Buffalo, NY-142400009
(888) 385-8916
Account Number: 515597009100XXXX Status: CHARGE-OFF
Account Owner: Individual Account. High Credit:
Type of Account : Revolving Credit Limit: $300
Term Duration: Terms Frequency: Monthly (due every month)
Date Opened: 10/26/2010 Balance: $0
Date Reported: 02/23/2014 Amount Past Due:
Date of Last Payment: 01/2011 Actual Payment Amount:
Scheduled Payment Amount: Date of Last Activity: N/A
Date Major Delinquency First Reported: 07/2011 Months Reviewed: 9
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Credit Card
Date of First Delinquency: 01/2011
Comments: Consumer disputes - reinvestigation in progress

Collections

CAVALRY PORTFOLIO SERVICES
Agency Address: 500 Summit Lake Dr
Valhalla, NY 105951340
(602) 667-0128
Date Reported: 02/2014
Date Assigned: 07/2011
Creditor Classification: Banking
Creditor Name: HSBC BANK NEVADA
Account Number: 1666XXXX
Account Owner: Individual Account.
Original Amount Owned: $636
Date of 1 st Delinquency: 01/2011
Balance Date: 02/2014
Balance Owned: $704
Last Payment Date: N/A
Status Date: 02/2014
Status: D - Unpaid
Comments: Consumer disputes - reinvestigation in progress, Consumer disputes this account information

[Anonymous]

Greetings and welcome to the forum. I have just resolved my issues with this very same issue. I had an Orchard Acct originally, but they were bought out by HSBC, who later were bought out by Cap One. Cap One in turn sold it to Calvary. So I have seen this trio before.

If I am not mistaken HSBC and Cap One are both reporting $0 balance with a charge off meaning they have sold the account. So That appears right to me (I am no guru).

HSBC is still in the process of transferring all of the accounts over to Cap One, so it is hit or miss which office to contact, since those two are reporting the same account.

I was able to resolve all of my issues and locate the account records through Cap One EO office, so I personally would start there if you have possibly owned an Orchard product in the past.

But if you know for a fact you have nothing to do with any of those companies, DV calvary, they are pretty easy to work with if the account has inaccuracies.

[Anonymous]

Also Cap One offered to buy the debt back to eliminate Calvary all together, but I had already paid them. Oh well :-/, we worked out the issues though.

[NY2014]

Hey man great thanks. I prefer to do the course with Cap 1 instead of CPS I feel in all due respect not very cooperative and really takes advantage to still it to you making something simple and next day you wake up with a nightmare .they never validated there claims or I never received anything in the mail or contacted now I contacted them foolishly they took measures to validate this debt making it almost impossible to dispute without any claims they have or need to prove the debt isn't mine .out of courtesy and cooperation I gave them my correct info credit repair lesion 101 anyways thanks great help I will start with cap 1
Regards

[Anonymous]

Yeah no problem, just a heads up it took me 14 months to clear my situation up, but once I had hard proof, they loosened up.

Don't get me wrong, Proving CPS that they are wrong is a headache at best, so yes give them as little info as possible! If you find out it is yours, ask cap one to buy back and PFD (in writing before you pay only) . Get it right the first time, because GW CPS is near impossible.

INMO cap one EO is the way to go since they have relinquished all ownership of the debt. I will pm direct cap one EO and HSBC Account contact numbers to you when I find them to hopefully speed up your search.

Please keep us posted, this hits home for me.

[NY2014]

Hey man thanks very helpful info! I will definitely keep posted . I'm expecting to fight them regardless we'll the saying is when need or ask for help but most cases someone has to be there you can't explain.to many changes .they know what they did which caused havoc .i just wish there was a do overs.hopefully someone can learn from mine and other mistake .Like Hollywood says "Get it in Writing" ! Rules regulations have changed.but thank goodness for the people in this forum for everyone's advise and knowledge everything helps when trying to do right .again appreciate the help.starting today with hope .
Regards