Consumer complaint received 2022-08-26
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
*Coercion to harm my physical person, my wifes person, and my childrens along with our property. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
*Obscene and language the natural consequences of which is to abuse the hearer or reader. U.S. Bank representative interrupted me on harassing phone calls informing me they can harass me and the harassment will continue. ( Your company recorded and was forwarded to a level-up representative ) ( 4 ) The advertisement for the sale of any debt to coerce payment of the debt.

*The threat of foreclosure / short sale which means U.S. Bank would advertise the sale of my property hurting my physical person and the reputation of me personally and my family. 
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

*Mention above and after letting the U.S. Bank representative this fact was told they can and will continue to call until this matter is settled. The higher-level representative told me it was completely unacceptable and agreed it should not have been happening. The same representative called the next day and left another message trying to get me on the telephone.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( a ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
*I personally spoke with four different US bank representatives making them aware they were knowingly harassing me, and my family as mentioned above. Was told the phone calls will continue, which they did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation