Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Citi Bank threaten to have jailed if I did not settle the bill I have been told they would come find me at my home work if I did not pay off my collections debt. they call XXXX time a day from all kind of different numbers the collection agents are scary they dont want nothing but money I do not have I am mentally drained and scared for my life. 
They closed my account after I disputed their mistake on a bill on XX/XX/year>. XXXX We are pleased to inform you that we resolved your inquiry concerning the disputed charge ( XXXX ) from XXXX listed below. Dispute Amount Transaction Date {$20.00} XX/XX/year>. 
We issued a credit for the above amount ( XXXX ), as well as any associated adjustments to fees and interest charges. These will appear on your statement within XXXX billing cycles. 
We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. 
How to contact us If you have additional questions regarding your account, our Representatives are available to assist you. Please contact us online at XXXX or at the phone number below. 
We apologize for any inconvenience this may have caused and look forward to serving you in the future. Sincerely, Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a letter saying XX/XX/year> Following a recent review of your account, your XXXX account has been closed. Please do not attempt to use this account as no further transactions will be authorized. 
As a reminder, if you have an outstanding balance, please continue to make your monthly payments by the payment due date until the balance is paid in full. You are responsible for any outstanding balance according to the terms of your Card Agreement. Please destroy your XXXX you may have in your possession. 
How we made our decision Our review was processed by a credit scoring system that assigned a numerical value to various items on your account ( XXXX ) with us and your credit report. The following factors influenced this decision : Serious delinquency, and public record or collection filed Time since delinquency is too recent or unknown Ratio of balance to limit on bank revolving or other revolving accounts too high Number of accounts with delinquency Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we have closed your account. 
Free copy of your credit report You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. We encourage you to review your credit report for accuracy. 
You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in your report is inaccurate or incomplete, you have a right to dispute the matter with the consumer reporting agency listed above. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  An important notice regarding your account