I received a phone call last week from an attorney stating that I need to call him back asap. I have cleaning up my credit for the past year so this worried me. I check my credit every year to ensure that I am not missing anything. I called the attorney, which was extremely rude, he stated that I owed US Bank 1900.00 as of last year! What? I haven't done business with this bank in over 2 years, never once received a notice that there was an outstanding balance and it is not reflected on any one of the 3 credit reporting agencies. He stated that he was going to file for a wage garnishment in two weeks. I told him that I was legally entitled to an itemized detail of the account. He then stated that he wasn't going to do the work for me. I told him that I didn't even know where to start, he said call US Bank but they will probably tell you to call Regent. I asked him who has the information? He then stated again to call US Bank but they will probably have me call Regent. I asked him who Regent was, he stated his client. I then stated that if they are your client, you must have their number. He finally provided me with the phone number. I stated that I couldn't make a payment on something I knew nothing about. He was adamint that they sent notification 15 days ago. I am the only one in my house aside from my children and I am the only one with a mailbox key. He stated that I was refusing to pay. I then told him that I never stated I wasn't going to pay, it simply caught me off guard as everything is being taken care of on my credit report. I then called Regent to speak to a guy that was flirting with me the entire time. He stated that I need to reach into my left shoe and pull out $500.00, then reach into my right shoe and pull out $500.00, then hit up my man for the other $500.00 and they will settle it. Number one, what in the hell does my man have anything to do with a company contacting me 2 years later stating that I owe them? Second, who in the hell has $1500.00 just lying around now and days? After speaking to Regent, I was told to call US Bank in Fontana and speak to the branch manager only. I spoke with the branch manager and they stated I would need to go into the bank to obtain the information I needed. The US Bank in Fontana is about 20 minutes from me. Why should I have to go to the branch? I have never had these problems with any other company. I guess I will just have to wait until they take me to court and bring it up to the judge. It is basically their word against mine when it comes to them contacting me, as I stated this is not on my credit report so how would I know that I owe them money when I have never received a statement?