Consumer complaint received 2017-06-10
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
At XXXX XXXX I received a call from XXXX XXXX XXXX. ( No clear match per XXXX ) and talked with a male that stated that trying to serve legal documents to me at XXXX XXXX XXXX in XXXX mn. ( I lived at that street address in XXXX mn, at XXXX XXXX. ) They said they located a possible other address XXXX XXXX XXXX XXXX XXXX in XXXX mn ( is a blend of previous addresses ). I informed him neither is correct and would not give my address. I obtained the number XXXX XXXX XXXX and " case number '' XXXX At XXXX I called and heard an automated message that the XXXX is not active. I called the XXXX  number back and got a disconnected number message. rediailed the XXXX number at XXXX XXXX from my previous call list. I talked with XXXX XXXX, with " XXXX XXXX '', he tried to obtain my address. I said would not provide because I could not find them online, and explain the strange call from an unknown party, he explained is dispatch company and because I refused to update my information I was referred here.
He gave the last 4 of my ssn to verify. I confirmed. I was told they attempted to issue a complaint using certified mail. I told him of how old the address is, and that raising red flags. I asked what was regarding, he said is from US bank, and was not given a balance or any detailed info. He said I would have to contact the bank and provided my account number ; XXXX. No phone number was given. I said I have not had an account with us bank for about 10 years. He said I would need to contact them to get the information for where they sent the file to. I called my local bank and provided the case number, my account number and an explanation of why calling, they could not locate an account. I asked for banker to call me back. I took call at my work number from XXXX at US bank. She could not locate the account and said to disregard the collection call and is probably a spam call. I called XXXX XXXX XXXX and spoke with XXXX XXXX, I told them that they could n't locate any information. He said would need to talk with bank manager.
I said too many things are raising red flags and would like validaton of the debt. He asked for my address, I said would provide my email address. He said can not send info certified, and would n't know if is received by me. He put on hold, then took my email address. He stated that will note that refusing to provide valid address information and that " will continue with proceedings '', I asked if really just said that on recorded line, he confirmed and repeated. I called the XXXX number back at XXXX and XXXX XXXX picked up, stated is with a different company, he would n't take my address info or write down the questions I had for XXXX. I asked to tsfr but not to XXXX. he transferred me to XXXX XXXX, he took case number, I explained could n't find his information online, he said can find that there are no BBB complants and that can find them on secretry of state website. I tried to give a XXXX XXXX to mail the validation of debt to, he refused to take it stating that can not send certified to a XXXX XXXX . I said can not send certified to an email.either and would like sent to the XXXX XXXX. He explained that I had 45 days from the date of the letter sent to the XXXX  address in XX/XX/XXXX this year, and that because I did n't respond at that time would want a valid address. He stated was trandeferred from XXXX XXXX XXXX ( could not locate online ), and the bank would have the information to contact them. I tried to give the XXXX XXXX address again, he refused to take the information. I asked if is refusing to take the address to send validation. He hung up. <P/>I called back XXXX number, a female answered ID litigation department. I gave my case number and asked to speak with a supervisor and not to XXXX, explained how wouldnt take info. was transferred to XXXX XXXX, he would not let speak and said that will file harassment. <P/>I called again, XXXX picked up, I would n't ID myself and asked to talk with someone else, he threatened that would inform law enforcement that refusing to provide id. I gave my name, he would n't let talk again and hung up. I called again, told him it is not illegal to refuse providing identification, gave name. He 3 way called XXXX XXXX police department and said wants to file harassment charges against me for calling his office repeatedly. The officer obtained information that the company is from California, and the phone number is XXXX XXXX XXXX and that a deputy would call back. I tried to give my information to the dispatcher but XXXX  had disconnected the 3 way call. <P/>Never was a mini Mirada read, and was not told on every call that the line is recorded.
I have since been in contact the XXXX and gave my side of the story. They can be reached at XXXX XXXX XXXX to confirm.

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