JS in Alabama said this about HSBC and McRaes: “We were at the bank yesterday and found we were charged with the above mentioned account that has a balance of $79. Our McRaes’s account has been paid in full for some time: Parisian or somebody bought them out and that was never our account number. We do not have a past due balance and have never had an account with HSBC: we did received a number of calls regarding a past due account for a “John (redacted)” but that John (redacted) lived in another state with another SSN and we have never received any bill for the above mentionoed account.”