Debt collection -- Attempts to collect debt not owed -- Complaint #7182598
Complaint Overview
Complaint ID: 7182598
Company: U.S. Bancorp
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Colorado
ZIP Code: 810XX
Date Received: 2023-06-28T12:00:00-05:00
Date Sent to Company: 2023-06-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have repeatedly contacted ELAN FINANCIAL SERVICE to dispute an inaccurate debt they are reporting as belonging to me. I have requested verification of the debt on several occasions and the company has refused, saying they do not need to verify anything with me. I requested they only contact me by mail and to provide a verification of debt as recently as XX/XX/XXXX by calling them at their listed contact of ( XXXX ) XXXX and again was refused verification. I have disputed this with XXXX and XXXX, where I was informed that they don't actually require any documentation of the debt to confirm it's legitimacy, they just rely on the company stating the debt is verified. All my disputes are marked as debt confirmed but have no documentation attached. I believe this is a wilful violation of the Fair Debt Collection Practices Act.
Frequently Asked Questions
What is Complaint #7182598 about?
Complaint #7182598 was filed against U.S. Bancorp regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-06-28T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.