my husband recieved a letter today stating that he owed $4333.91 to HSBC bank wich states it was a Direct Merchants credit card a card my husband never had . Now last year i did see it on his credit report I disputed it and they found that the company could not verify any of the information on the credit report so all three agencies removed it for my husbands credit report now all of a sudden hes getting this collection letter stating that the company is willing to settle the account for $1083.48 now if the credit was disputed and taken of hi... read full review »