Consumer complaint received 2022-11-14
Company: U.S. BANCORP
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX at XXXX I was contacted and told they were verifying my address so I could be sent a file about a lawsuit that was about to be filed against me. I was informed that the name of the company was XXXX XXXX. I contacted XXXX and was told that they are attempting collect on a outstanding debit I had with USBank. I informed them that my account with US bank was closed in XXXX or XXXX. They said I had a negative balance and they had purchased the account to collect and that the account was closed in XXXX. She stated that original balance was over {$800.00} and said it was more with interest and attorney fees would be added if they continued with the lawsuit. I told her I had not received anything in writing notifying me of the debit. She stated that had mailed out a letter 45 days ago. She also stated other addresses I lived at in the past claiming they had sent it there also. One of the addresses belongs to a family member and they did not receive anything either. I have not received anything. I have been at my current address since XXXX and had the same phone number since XXXX. This is the first time I have received anything concerning this. I asked her to send me the information to verify the debit. She stated she could but by the time I get it they would have already have sued me. She said if I am disputing it I will need to do that in court. I asked how can I validate the debit if I can not see what I owe. I said I had an account with USbank that closed in XXXX or XXXX but I do not know if that is what they are saying I owe on because they will not send me anything to show the debit. She stated I had until end of business tomorrow to contact them again and settle. I told her to email me the information on the account, and she said all they could do was email me the settlement offer. She gave my the account number attached to the collection and said I needed to do my research and get back in touch with them tomorrow. I contacted USbank and they informed that my account with them was closed in XXXX and charged off and sold in XXXX to XXXX XXXX XXXX. I asked for something in writing that could show my account was closed in XXXX and sold in XXXX and show what I owe and how I owe it. XXXX XXXX XXXX USbank said she could not because the debit was sold and I would need to contact XXXX XXXX XXXX. I attempted to do that and they are out of business because the owner was charged with fraud from forging documents, bribing bank officials and using misleading information to resell those debits. I am attempting to send a verification request to XXXX XXXX and they will not give me an address to send the request to without identify myself and case number. I can not find XXXX XXXX online and the phone number they gave me does not come up on any searches either. 

US bank will not give me something showing the account closed because they sold it to a collection agency that closed. I do not know where to go next.

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