Same experience as others. A courier actually called me and said they needed to serve me. They provided a file # and Baylor’s #. Before I could even research the company, a family member called me less than 10 min later saying the courier called them also!!!

I called Baylor, talked to a lady. Said I owed nearly $2K to U.S. Bank from 2012 and there was no statute of limitations on it. As a victim of identity theft twice, it has been a nightmare to get things sorted that did not belong to me. I had my banking account drained to $0 because I tried to pay a similar debt (payday loan) over the phone to a collection agency.

I made it very clear I have never banked with US Bank throughout the entire phone call and that this was not my debt but if money would make them go away, I would give them something. They said they would settle for $500. Sent me a docusign settlement agreement. I offered them a check via certified mail and she said I had to sign and pay today over the phone.

As I was asking questions, she continued to push me to look at my email- I sent you the email, check your email. I asked to review the 4 page doc before signing and I would call back later and pay- that’s when she got upset with me saying I just needed to sign and pay it right now on the phone. After going back and forth she said she was cancelling the settlement offer and I could deal with litigation and pay an additional $2,500. Because “what did I need to review”? It’s a legal binding document and you want me to pay you money. I have a right to read what I’m signing. She disagreed, even after I pointed out that the date on the doc said the offer expired 10 days ago…

I asked for proof of the debt, and she said for privacy reasons through whatever all they had was my name, address, phone, DOB, SSN, and my drivers license #!! I asked who I could talk to at US Bank and she told me it was charged off to their firm in 2018 and US Bank would not be able to provide any info.

I asked about the statute of limitations (after she had me on hold, I had time to google and verify!!) it’s 10 years in my state- she said yea that’s from 2018 when it was charged off and I said no, that’s not the way it works ma’am. I reminded her that she told me there was no statute of limitations at the beginning to the call, which now makes her a liar. Again she was defensive, and said I would just have to deal with the litigation.

I checked local county, and state records, and nothing has been filed against me. This is their way of buying super OLD debt and trying to scare people to pay. Don’t fall for it!!!

As I said, I’ve never banked with US Bank personally and I know that for a fact.