Date Received: 2018-11-05T00:00:00
Product: Other debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: This company is attempting to collect on a debt from an overdraft bank account from US Bank. This account was closed in 2006 and during this time US Bank failed to investigate this fraudulent overdraft.
In XXXX, XXXX XXXX contacted me by phone stating this said debt. I ask for a statement of this debt and they sent me one, received in XXXX.
This statement contains coercive language and wording to make a person pay on their said debt.
In my opinion, US Bank is using XXXX XXXX as a front to collect an improper debt and not be held accountable for this illegal action.
This statement from XXXX can be uploaded to your office.
Company: U.S. BANCORP
State/Zip: MO 631XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3065901
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.