Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP
State: MO

Complaint narrative:
Subject : Follow-Up Complaint Regarding Continued Contact After Prior CFPB Complaint and U.S. Bank Response I am submitting this follow-up complaint regarding ongoing contact from U.S. Bank despite my prior CFPB complaint filed on XX/XX/XXXX, my Missouri Attorney General complaint XXXX and U.S. Bank 's subsequent written response stating that my account had been placed in cease-and-desist status and that no collection calls were being made. Sequence of Events : On XX/XX/XXXX, I submitted a written cease-and-desist request to U.S. Bank using the designated cease-and-desist email address provided by U.S. Bank. U.S. Bank acknowledged receipt of that request through an automated response. Before and after submitting the written cease-and-desist request, I made multiple verbal requests that collection calls stop. I also informed U.S. Bank representatives that I was enrolled in a debt consolidation program through Beyond Finance. On XX/XX/XXXX, I submitted my original CFPB complaint regarding the continued contact. I also submitted a complaint to the Missouri Attorney General. In its response to my prior CFPB complaint and Missouri Attorney General complaint, U.S. Bank stated that my account was placed in cease-and-desist status on XX/XX/XXXX, and represented that no collection calls had been placed after that date. Despite that response, I continued to receive calls and recorded voicemail messages from U.S. Bank. On XX/XX/XXXX, I spoke with a U.S. Bank customer service representative named XXXX. During that conversation, XXXX advised that she could see the cease-and-desist notation on my account and stated that she was unsure why calls continued despite the cease-and-desist status. This information appears inconsistent with U.S. Bank 's prior response to the CFPB and Missouri Attorney General. If U.S. Bank represented that no calls were being made after the cease-and-desist was implemented, I am requesting an explanation for the continued calls and voicemail messages that I received. I respectfully request that the CFPB require U.S. Bank to conduct a comprehensive review of all outbound call activity, prerecorded messages, voicemail records, automated dialing activity, account notes, and internal communications related to my account from XX/XX/XXXX through the present. I also request that U.S. Bank provide a detailed explanation regarding why contact continued after my cease-and-desist request was acknowledged and after U.S. Bank represented that no calls were being made. This follow-up complaint is being submitted because the conduct described in my original CFPB complaint has continued despite U.S. Bank 's prior response and assurances. In addition, I respectfully request that U.S. Bank reconsider its prior denial of compensation. Despite submitting a written cease-and-desist request, making multiple verbal requests that calls stop, participating in a debt consolidation program, and filing prior complaints with the CFPB and Missouri Attorney General, I continued to receive calls and recorded voicemail messages from U.S. Bank. The continued contact caused significant stress, anxiety, frustration, and disruption to my daily life. I screened unknown numbers, worried about ongoing contact despite repeated requests to stop, and spent considerable time attempting to resolve this issue through the proper channels. As part of a fair resolution of this matter, I request written confirmation that all contact has ceased and monetary compensation in the amount of {$5000.00} for the stress, inconvenience, and disruption caused by the continued communications after my cease-and-desist request was acknowledged. Thank you for your review and assistance in this matter. Sincerely, XXXX XXXX

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