Consumer complaint received 2020-01-02
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We have received multiple phone calls from a XXXX  XXXX XXXX at XXXX to each of our family 's phones threatening to sue us over a debt from a XXXX voluntary car repossesion of my ex-wife 's XXXX for the last 20 days. Today 's ( XX/XX/XXXX ) call was XXXX Central Time. They read a paragraph saying it was illegal to not pay an agreed to debt from XXXX and that they are pursing legal action if we do not pay immediately. They have been asked multiple times to send everything in writing so we can validate this information and confirm who they are. We called XXXX which is the number they told us to call for information at XXXX, then XXXX, XXXX and XXXX, XXXX and XXXX but every different representative either hangs up or disconnects the call when we request any details other than the case # regarding our rights. The last three calls they pick up and hang up without hearing our request. We know they have and recognize my number as they answered the previous calls and ask me if it this is " name '' instead of identifying their company. We asked for A ) verification of debt and B ) an address to send a cease and desist phone call letter but they said they wouldn't give us an address as we will XXXX  (? ) them since they don't know us. I advised we know our consumer rights and are consumer advocates who follow the rules with the SOL and how they should behave much more professionally and provide these details so we can verify the validity of their claim as we don't know who they are either but have our personal financial information. How can anything be done if they just get angry, tell us they will sue us and turn everything over to the courts and see us in court or jail? They are very agressive. But we would like verfication of debt which they have refused, an address to pursue written correspondence and they said they will only see us in court and hang up time and again. We want everything in writing and to ensure these folks are even legit as their behavior is extremely unproffesional for a recovery company and this debt is far outside of the SOL. This is not the first time I have been contacted for my ex-wife 's debts as she claimed bankruptcy in XXXX. They heard my wife who was reminding me of our rights in the background and asked who is that in the background spouting off? They have called her personally multiple times in the past so she got on the phone and explained again our rights for verification of debt and contact info for cease and desist and he was extremely disrepectufl when she said as a consumer advocate we know you can not behave this way. The consumer has rights and should be advised of them when debt collection is being rendered. He said he will see us in court and we don't need anymore information than that. 

The numbers again are XXXX and XXXX and the names we got were XXXX and XXXX XXXX as everyone else would only say see you in court when they picked up if they didn't hang up right away. The company is supposedly called XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation