Start My Answer

How to beat US Bank Collections

Dena Standley | October 19, 2022

^^You after beating US Bank in court.

Summary: Is US Bank suing you for a debt? SoloSuit can help you take a stand and win in court.

Debt collectors cause consumers prolonged stress with their endless requests to pay off debts. US Bank Collections is no exception, as they have a whole department dedicated to aggressively seeking consumers to pay money they owe.

Receiving calls from US Bank Collections can be intimidating, considering they are the fifth-largest banking institution in America. US Bank is Better Business Bureau (BBB) accredited with an A+ rating but a weak customer review five-star rating of 1.11. The over 5,000 customer complaints in their BBB profile range from:

  • Ignoring calls
  • Charging exorbitant late fees
  • Dealing with unprofessional agents
  • Failing to close cleared accounts
  • Giving wrong debt figures

US Bank Collections are liable to legal action if they break the law. Organizations such as The Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) protect consumers, like you, against mistreatment and the use of illegal tactics to collect debt. How can you beat US Collections? Today, we will give you tips on dealing with US Bank debt collectors and what to do if they take you to court.

Tips for dealing with US Bank Collections

Debt collectors assume that consumers do not know their rights or the process that goes into debt collection. They exploit consumers by harassing them, using threats, and exaggerating the debt amount. You can beat US Bank Collections by taking the following steps.

Exercise your consumer rights

The Fair Debt Collection Practices Act provides a limitation on what US Bank debt collectors can do when they contact you. For example, they cannot lie to you or pretend to be an attorney, threaten you with arrest, call you before 8 am or after 9 pm, or discuss your debt with your family members, friends or coworkers.

If US Bank collections violates these rules, you can report them to the FTC online platform or call 877-382-4357. You can also submit a complaint on the CFPB website or call 855-411-2372. US Bank Collections contact information is:

US Bank Collections
800 Nicollet Mall
Minneapolis, MN 55402-7000

Phone number: (800) 872-2657

Keep all communications with US Bank collection in writing

Sometimes US Bank debt collectors use words and phrases that are illegal, give you incomplete information, or avoid going through the entire legal process of debt validation. Letting them know you want to do everything in writing will prompt them to follow FDCPA guidelines. Request them to send all information by email or write everything they say while on a call with them.

Request a debt validation

Debt collectors dislike receiving a debt validation request because they have to prove the debt is valid with proper documentation. You can request a debt validation by sending a Debt Validation Letter to US Bank collection department. It will help you confirm your debt and give you time to come up with a game plan.

The debt validation notice US Bank Collections send should also include your right to dispute the debt within 30 days after receiving the document and a statement permitting you to request more information if the validation notice is not clear.

Most collection agencies and creditors would rather move on than validate a debt. Debt validation takes time and resources that might even outweigh the debt you owe, so sending a Debt Validation Letter is a smart move to get collectors off your back. If US Bank hasn't kept all the documentation proving you owe a debt, they won't have a case at all.

To learn more about how to make a Debt Validation Letter, check out this video:

Request a credit report and history

Consumers have a right to receive one free copy of their credit report yearly from Equifax, Experian, and TransUnion credit bureaus. Cross-check that US Bank Collections has not added inaccurate debt figures to your credit report. If you find errors, you can dispute the debt and request the credit bureaus to remove or correct the mistakes. According to The Fair Crediting Report Act, credit bureaus should only report accurate information. If the US Bank Collections cannot verify the figures, they must remove the debt from your report.

What to do if US Bank Collections takes you to court

US Bank Collections have a right to take you to court if you ignore their attempts to collect a debt. Consumers are also sued because they responded to US Bank Collections without verifying the debt allegations, giving US Bank Collections the upper hand to proceed to court. You have the law and consumer rights on your side, so here's how you can confidently face US Bank Collections in court:

  • Stay calm: Your first instinct may be to panic and make regrettable decisions such as signing a big check. Calming down will help you develop a well-thought response. US Bank Collections will make everything sound urgent and warn you of detrimental consequences if you do not pay the amount they quoted in the letter.
  • Represent yourself: Finding an attorney to represent you is expensive and time-consuming. You can represent yourself with SoloSuit's help. The first step to winning in court is to file a written response to the Complaint. SoloSuit's Answer document has proven effective in responding to and winning debt lawsuits.
  • Request documentation: For US Bank Collections to legally collect a debt, they must produce documentation that shows you agreed to pay the debt in question, the debt belongs to them, and the debt amount is accurate and still within the statute of limitation. Send a Debt Validation Letter requesting this information to US Bank Collections and the court.
  • Show up for court: You have to physically appear in court on the specified date in the lawsuit letter. You automatically lose with a default judgment if you fail to show up. This judgment means that you have to pay the debt amount US Bank Collections quoted, and it gives them the legal right to garnish your wages or seize your property
  • Know what to say: You have to phrase words to ensure you do not admit to owning the debt. The whole purpose of the case is to either get you to admit you owe the debt or US Bank Collections to prove that you owe them money. US Bank Collections are likely to win if you admit to owing the debt.

Whether US Bank Collections call you multiple times, send you countless emails, or take you to court, the best defense is to arm yourself with knowledge of your rights and debt collection laws. SoloSuit's debt lawsuit Answer templates can help you stop debt collectors in their tracks or beat them in court. To learn more about responding a debt lawsuit, check out this video:

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.

Ask a Question

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah; File a Motion to Satisfy Judgment
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

    Guides on how to beat every debt collector

    Being sued by a different debt collector? Were making guides on how to beat each one.

    Win against credit card companies

    Is your credit card company suing you? Learn how you can beat each one.

    Going to Court for Credit Card Debt — Key Tips

    How to Negotiate Credit Card Debts

    How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

    Get answers to these FAQs

    Need more info on statutes of limitations? Read our 50-state guide.

    Why do debt collectors block their phone numbers?

    How long do debt collectors take to respond to debt validation letters?

    What are the biggest debt collector companies in the US?

    Is Zombie Debt Still a Problem in 2019?

    SoloSuit FAQ

    If a car is repossessed, do I still owe the debt?

    Is Portfolio Recovery Associates Legit?

    Is There a Judgment Against Me Without my Knowledge?

    Should I File Bankruptcy Before or After a Judgment?

    What is a default judgment?— What do I do?

    Summoned to Court for Medical Bills — What Do I Do?

    What Happens If Someone Sues You and You Have No Money?

    What Happens If You Never Answer Debt Collectors?

    What Happens When a Debt Is Sold to a Collection Agency

    What is a Stipulated Judgment?

    What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

    Can a Judgement Creditor Take my Car?

    Can I Settle a Debt After Being Served?

    Can I Stop Wage Garnishment?

    Can You Appeal a Default Judgement?

    Do I Need a Debt Collection Defense Attorney?

    Do I Need a Payday Loans Lawyer?

    Do student loans go away after 7 years? — Student Loan Debt Guide

    Am I Responsible for My Spouses Medical Debt?

    Should I Marry Someone With Debt?

    Can a Debt Collector Leave a Voicemail?

    How Does Debt Assignment Work?

    What Happens If a Defendant Does Not Pay a Judgment?

    How Does Debt Assignment Work?

    Can You Serve Someone with a Collections Lawsuit at Their Work?

    What Is a Warrant in Debt?

    How Many Times Can a Judgment be Renewed in Oklahoma?

    Can an Eviction Be Reversed?

    Does Debt Consolidation Have Risks?

    What Happens If You Avoid Getting Served Court Papers?

    Does Student Debt Die With You?

    Can Debt Collectors Call You at Work in Texas?

    How Much Do You Have to Be in Debt to File for Chapter 7?

    What Is the Statute of Limitations on Debt in Washington?

    How Long Does a Judgment Last?

    Can Private Disability Payments Be Garnished?

    Can Debt Collectors Call From Local Numbers?

    Does the Fair Credit Reporting Act Work in Florida?

    The Truth: Should You Never Pay a Debt Collection Agency?

    Should You Communicate with a Debt Collector in Writing or by Telephone?

    Do I Need a Debt Negotiator?

    What Happens After a Motion for Default Is Filed?

    Can a Process Server Leave a Summons Taped to My Door?

    Learn More With These Additional Resources:

    Need help managing your finances? Check out these resources.

    How to Make a Debt Validation Letter - The Ultimate Guide

    How to Make a Motion to Compel Arbitration Without an Attorney

    How to Stop Wage Garnishment — Everything You Need to Know

    How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

    Defending Yourself in Court Against a Debt Collector

    Tips on you can to file an FDCPA lawsuit against a debt collection agency

    Advice on how to answer a summons for debt collection.

    Effective strategies for how to get back on track after a debt lawsuit

    New Hampshire Statute of Limitations on Debt

    Sample Cease and Desist Letter Against Debt Collectors

    The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

    West Virginia Statute of Limitations on Debt

    What debt collectors cannot do — FDCPA explained

    Defending Yourself in Court Against Debt Collector

    How to Liquidate Debt

    Arkansas Statute of Limitations on Debt

    Youre Drowning in Debt — Heres How to Swim

    Help! Im Being Sued by My Debt Collector

    How to Make a Motion to Vacate Judgment

    How to Answer Summons for Debt Collection in Vermont

    North Dakota Statute of Limitations on Debt

    ClearPoint Debt Management Review

    Indiana Statute of Limitations on Debt

    Oregon Eviction Laws - What They Say

    CuraDebt Debt Settlement Review

    How to Write a Re-Aging Debt Letter

    How to Appear in Court by Phone

    How to Use the Doctrine of Unclean Hands

    Debt Consolidation in Eugene, Oregon

    Summoned to Court for Medical Bills? What to Do Next

    How to Make a Debt Settlement Agreement

    Received a 3-Day Eviction Notice? Heres What to Do

    How to Answer a Lawsuit for Debt Collection

    Tips for Leaving the Country With Unpaid Credit Card Debt

    Kansas Statute of Limitations on Debt Collection

    How to File in Small Claims Court in Iowa

    How to File a Civil Answer in Kings County Supreme Court

    Roseland Associates Debt Consolidation Review

    How to Stop a Garnishment

    Debt Eraser Review

    Do Debt Collectors Ever Give Up?

    Can They Garnish Your Wages for Credit Card Debt?

    How Often Do Credit Card Companies Sue for Non-Payment?

    How Long Does a Judgement Last?

    ​​How Long Before a Creditor Can Garnish Wages?

    How to Beat a Bill Collector in Court