Consumer complaint received 2015-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP (IL)

I am the recipient of a large number of contacts lacking mandatory legal documentation or purpose, on such a continuing basis that the filer at US Bank is clearly engaged in stalking me and targeting my business as the only agenda US Bank has in this matter, as having made no attempt to collect and instead retaliating much further in response to any attempt to get even XXXX MN or CFPB to mediate in the dispute, by date. 
As far as can be determined, this employee has engaged in accounting fraud, XXXX the overdraft protection on the account at the same time she adjusted out the funding from a single check for {$330.00} that their software had screwed up the deposit of unlawfully and which cleared the maker 's bank XXXX in the normal 3-5 days after it was finally possible to deposit it which documentation is took place XXXX at my end despite the screwup in the US Bank XXXX for the same transactions, and only to US Bank. 

The responses continue to change and consist of inflammatory libel which keeps escalating. 

All this person has ever done is target my business credit, public reputation, relationships with customers, and me personally financially and otherwise, hence the use of the term stalking as this has no relationship to lawful debt collecton. 

I have been through the attached request in other forms with the bank since XXXX/XXXX/15 when she did all of this at the same time through having customer service shout at me when I phoned and make highly litigious offensive false accusations where the record indicates there is an employee who engaged in accounting fraud and has stolen the funding of the check at this point. 

I however am being harassed so severly that I have and have just had to pay for credit reports for my business due to having been sent notice they were reporting a chargeoff as their collections efforts when I attempted mediation through the XXXX MN as their other response of the same date as that XXXX falsifying claims of repeating bouncing checks etc and that this client also had checks deposited at another bank. 

Which is the work of someone reading comic books that make no sense particularly given the customer is a long term repeat customer and has provided both sides of the check involved as deposited at their company 's bank. By email. Upon request as decent honest business people who have no role in any of this. 

However, it appears I am being dragged through court to force US Bank to permit me to clear my name, my business credit, and force US Bank to stop the harassment of me personally and otherwise like a vindictive slapstick cartoon. 

I am seeking documentation of US Bank that I have requested before, and provided the final as expected emotionally angry request attached, but they have refused to document or provide any evidence of any claim they make which is against the law in creating and collecting debt. 

As is collecting fraudulently created debt or debt created in error which this kind of malicious hostility indicates is not the case. 

They do owe me the {$57.00} balance in the account from when she did this to my account, she being XXXX XXXX XXXX the US Bank Branch Manager in XXXX XXXX IL in a branch I went into XXXX at least a year ago whose ATM generally did not work and so I rarely even drove to the ATM of after hours. 

I have had forces scattered so widey that I am also not sure what anybody can do other than address the various components of the consistent across the board gross misconduct with debt collections of a debt I do n't owe that was created with accounting fraud. 

About a single check that is not this difficult to cooperate with dispute and a normal bank creates and provides notices of with any notice of the alleged bouncing checks the other bank stated did not take place. 

They have no record of multiple presentations of that check at all. 

They have no funds returned from US Bank either.