U.S. Bancorp Debt Collection Complaint

U.S. Bancorp Debt collection department,

Other (phone, health club, etc.) Communication tactics Threatened to take legal action Illinois

I received a call on -/-/- from - stating in a very abrupt manner You have - hour to contact -/- - - - - - - -, California - concerning a legal matter and failure to due so will result in Garnishing of your wages and seizure of your home and car. I immediately panicked and contacted the number. I was placed on hold for several minutes then a representative got on the phone and stated that I owed about - to a bank in -, Ohio they said I opened an account with and needed to set up a - dollar a month payment plan before the end of our call in order to stop the wage garnishment and other results. I explained to them that I did remember using this bank over 7 years ago but I do not believe I owed them that much money because I recall closing out the account. I also asked why they never sent this


there job by law because they sent me the letters to my last recorded address. They also stated that I could not be sent a copy of my charges because they had already done so. They also stated to me that I could not contact the bank for these charges until after I made my first payment. Therefor, I acted on impulse and fear and gave them my debit card number. After speaking to my relatives I learned that this same fraud calling number had been all over the new for fraud tactics. I then attempted to call back the original - number but was redirected to a - voicemail and when I attempted to call back THE - number, I was placed on hold and no one picked up again. Therefore I called both numbers back and left a very irate message requesting to be removed from there calling list. I also contacted my bank to request they block the card and send me a new -. On -/-/- I received a call from - stating they were unable to pull the payment from my account. I explained to them that I canceled the card and the fraud tactics they were utilizing left me with unanswered concerns, and they stated they had done all by law they had to do with explaining to me my charges and to remember to appear in court once I receive the court summoning letter.They also stated that I would be responsible for over - in collections after the court appearance. Is this correct? Can they really take this type of action by garnishing my wages and seizure of my property?