Consumer complaint received 2020-11-21
Company: U.S. BANCORP
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Thursday XX/XX/2020 A company called me and stated that they were hired by the XXXX XXXX XXXX XXXX firm and that it was important for me to call the Law firm at XXXX back and give them the reference number XXXX. I asked the representative repeatedly why and what was it about, she refused to tell me, so I called the number the person who answered the phone rudely told me after I gave her the reference number that I owed {$6000.00} on a loan I was paying on for 5 years and stopped, I told her I haven't taken out a loan and I asked her where was this loan taken from, and that the only loan I had taken was from the SBA and it was paid off in full and they owed me money because I had overpaid. She said the US Bank I tried to assure her that I did not or ever take out a loan from that bank, she said it was taken out from me and I used the name, XXXX XXXX, I told her that was my married name in which I never changed it to legally so how could I take a loan out under that name. She started yelling at me I started yelling back she told me that they were going to send me litigation papers to sue me she called out my current address and said they were going to garnish my check and put it on my credit report. I asked her for the US bank and her law firm address, she refused to give it to me and hung up. I immediately called the agency that called me to contact the law firm at XXXX to get their address and the law frim address they refused to give it to me I called them repeatedly they kept hanging up finally I got through to someone who claimed to be the supervisor she said her last name was XXXX I asked her for the addresses she would not give it to me but stated that the office was located in California yet the phone number on my phone shows that their number is from XXXX North Carolina she hung up after I told her I will call every day until I get the names to call and the address of the law firm, then a XXXX man called me asked if I was XXXX when I said yes he proceeded to use racial slurs calling me repeatedly the XXXX, ugly, and a XXXX needless to say I cursed him out to the point that he had to hang up the phone then I tried to call Ms. XXXX back to let her know I knew she had that man call me I learned that my phone number was blocked by them and the law firm. I do not owe any money, my credit score is over 700 that they are trying to destroy by putting a bogus delinquent loan on my credit report and, they plan to put me in financial ruin by garnishing my check also they threatened to sue me and damage my credit. Please help me I am an elderly person who is constantly dealing with stuff like this every time I turn around. Immediately after I got off the phone with them, I got a call from these foreigners who sound like they are from XXXX telling me I am going to be arrested for owing over {$20000.00} to the Social Security department, you would think they would get enough of me cursing them out for three years which is the amount of time they have been calling me

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