Consumer complaint received 2017-04-26
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Originally within the pas t 5-7 ye ars or so, I had various debts such as with  XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX  ,  US Bank , etc. I decided to u se Care One Credit t o help with regard to debt management services. Later on while I worked for  XXXX   XXXX , I found out I could do debt settlement. I was a candidate who wanted to pay off my debts faster and become debt free or at least be able to be in a position to use debt more properly versus racking it up or using Pay Day Loans which are in my mind aggregious. I have known I can u se one of  the  XXXX  credit reporting agencies through   XXXX   and did so recently using  XXXX  and  XXXX . What I realized, however, was that the  US Bank de bt in particular dropped off in   XXXX  .  XXXX   XXXX ,  XXXX  has made several phone calls to my place of residence where I live with family. I had swallowed the bitter pill of debt settlement and had n't realized how it truly worked with regard to my credit report - they can indicate you paid less than you owed. Some debt is a write-off or sold off to others ;  each one has its o wn story of information in the credit report. Now, I had recognize d one of the last 4 digits of a ver y old account number ending in  XXXX  of which a pdf was sent to me via email probably my  XXXX  XXXX  XXXX  account ( I have  3 gmail accounts ). I made arrangem ents to pay  XXXX   XXXX  on a debt that was referred to as 'Overdraft '. This was peculiar and I even checked with   XXXX   which they seemed to say that debt settlements could involve principal and interest but not necessarily  Overdraft. I h ave checked  XXXX  credit reports recently and see nothing reported on Overdrafts. Now,  XXXX   XXXX  within less than a month somehow thinks I owe over {$1300.00} in Overdraft with a DDA number. I do n't quite recognize the number or la st 4 dig its as I did before. I remember I had about {$8000.00} -  XXXX  approximate value of total debt with  US  Bank. Besides trying to reach out to the credit bureaus ( they ca n't help becaus e US bank de bt dropped off already in   XXXX    ), I called US Bank and got transferred to Collections - not only does my social security not bring up anything in a search, but the DDA number I ga ve from the  XXXX   XXXX ,  XXXX  - PDF document mentioning the 30 day thing, did not come up i n US Bank 's systems at all - in fact the lady there was enormously unhelpful and could n't tell me even if US  Bank did business with  XXXX   XXXX ,  XXXX  as a matter of policy. Another problem is that  XXXX   XXXX   XXXX   XXXX   who once handled my debt settlement, either is no longer in business, is n't doing business, or there are other names out there that might not be the compan y Care One used for debt settlement on my behalf. Present day, much of my debts are dropping off and some student loans will soon drop off of my credit report as well. I have 2 credit cards I am more actively  using currently and am fine with those - its the nature of the past  settled debts and nature of settlement that is at the heart of the issue. Care One might possibly be able to help me verify old US bank information in terms of original loan amount, etc. I imagine the debt was settled for at least {$4500.00} versus the $ 8,000-9,500 figure range  I stated earlier.  XXXX   XXXX ,  XXXX  has a very simplistic website and does n't show an address. The PDF used shows a  P.O. Box that  does n't match the website, but the  one in the P DF could be employee specific almost like franchising. The specific phone number in the email I got also does n't match up with the website, but could be specific to an employee. What I think is that there is j ust one guy trying to look legit with a fancy LLC and he 's willing to pay to have the s imple website to look even more legit with only so much as an  XXXX  number of which he also is willing to pay for. Perhaps he is a  XXXX  diver - even if I try to verify the account number from the past, there does n't seem to be a way for me to verify if  US Ba nk actually sold  XXXX   XXXX ,  XXXX  my debt or was sold several times before it went to  XXXX   XXXX ,  XXXX  - This company called me out of the blue over past debt I thought was settled.  XXXX   XXXX   XXXX     XXXX  and I even talked over the phone and celebrated the last debt settlements. I really felt debt free with exception of my more recent minor debts - but the major ones were done in my mind. I never see Overdraft debts on credit reports to the best of my knowledge and I just do n't want to p ay one more b lasted dime because this information is so old and its really tough to verify. Even if   XXXX   XXXX    XXXX  wanted to take me to court ( if truly legit ), they would be hard pressed to find evidence other than what they have regarding original creditor information, nature of the debt, original credit amount, etc, when US Bank 's collections department ca n't even do so for me. I say -   XXXX   XXXX   XXXX   XXXX   take your best shot as I do n't think you are as legit as you might think you are.

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