Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: IL

Complaint narrative:
Unrecognized phone number from a phony " courier company '' called me stating that I had a legal package they were trying to deliver. I recognized it as fake and hung up ( XXXX ) XXXX. Immediately the same person called me from a different phone number ( XXXX ) XXXX. I also hung up. Then they called my ex-wife 's phone number and left a voice mail which I have the transcript of. They also called my ex-wife 's parents landline phone number. Transcript : " This is an urgent message regarding XXXX XXXX. the file number is XXXX. My name is XXXX and I am contacting you in reference to a formal complaint that may be filed against you. In order to receive assistance and address this matter it is important to contact directly handling the matter they can be reached at ( XXXX ) XXXX. Please be advised that this call has been in fact logged and submitted as proof that you have now been notified of this matter. Nor your correspondence through this firm proceeding without your consent again. Please refer to your file when calling in. Thank you. '' After being anxiously alerted by my ex-wife. I called the ( XXXX ) XXXX number and talked to this person who stated that I would need to contact the XXXX law firm " XXXX XXXX XXXX ''. She gave me the phone number, ( XXXX ) XXXX. US Bank suing me for an account that was closed and unresolved. She said the original amount was over {$1000.00}, but now due to late fees is over {$3000.00}. She said that the company perceived my lack of response and follow up from earlier correspondence as being evasive, hence their filing of a lawsuit. I assured this young lady that while I did have US Bank, it was over 15 years ago and outside of the statute of limitation, and I did ( to the best of my knowledge ) completely settle this account by paying it in full. I asked her to give me something in writing. She said she would try to email me something but I would have to contact US Bank to do my due diligence/research into the initial amount/dates, etc. 

I spoke to US Bank 's recovery department who found my account which I closed in XXXX. They sold it in XXXX to a debt collection company that is no longer in business. This whole thing is unbelievable. 

I then did research on reddit.com and found similar complaints and reports. I found one poster who found a website for the " company '' here : XXXX XXXX XXXX  This website has no pictures other than stock photos, no names/bios. The address listed can not be tracked to the company. XXXX and Texas have no business with this name or a XXXX. The Texas Bar has no attorney present at this office. 

The phone numbers listed on the webpage : ( XXXX ) XXXX and ( XXXX ) XXXX have the same generic " please leave a message '' prompt after no answer as the ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX numbers. 

This company or person is responsible for deceptive and illegal debt-collection practices. All my debts are paid. The statute of limitations is well expired. I also filed XXXX  XXXX in XXXX. There have been no marks on my credit report related to said checking account, and I have received XXXX written correspondence from anything related to this US Bank account since XXXX. This debacle has sparked frustration between me and my new ex-wife. These brazen phone calls were a nuisance to my former in-laws. I am closing on a home in 2 weeks, so this is the last thing I need to happen to arouse my XXXX. This company or the individual fronting as a company need to be prosecuted. 

Please trace the owner of this website and user of these phone lines and see that they are held accountable. 

Thank you. 
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