Consumer complaint received 2019-03-08
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CFPB XX/XX/XXXX XXXX XXXX has turned a bill into collections even though I have paid it. 
I have sent XXXX XXXX a letter and talked with them repeatedly, however I can not get past their outsource people to speak with someone who can tell me more. 

XXXX XXXX refuses to send me a statement in the mail ( see attached letter from XX/XX/XXXX ). They insist on sending a statement to an old email address of which I was unaware. When I found out, I called XXXX XXXX and as incredible and stupid as it sounds, XXXX XXXX customer service wouldn't give me information on the account because I don't know the credit card number! I haven't had a XXXX XXXX credit card since XXXX ( see last statement ever received from XXXX XXXX when I did have their card back in XXXX ). They went straight from sending the bill to an email address that sends an automatic reply : Email no longer read from this account, to sending the bill to collections. XXXX XXXX is getting the automated reply but REFUSES TO SEND A STATEMENT TO MY NEW EMAIL AND REFUSES TO MAIL ONE THROUGH USPS ( see letter of XX/XX/XXXX XXXX. 

Now XXXX XXXX has sent what I percieve is an important letter to that old email address. I can not access XXXX XXXX website! I do not have an account, I do not have a credit card, I do not know what they are trying to tell me ( see attached letter from XX/XX/XXXX XXXX, I can not get customer service to tell me! I can not create an account because I do not have a credit card number! 

I am unclear how my purhcase went on a XXXX XXXX card ( since I don't have one ) but I did shop at XXXX XXXX in XXXX XXXX around the time they claim the charge is from. I know I mentioned to the clerk I used to have a card, which she confirmed. But I said I did not want a new card!!!!! So, I was not looking for a XXXX XXXX bill. In my letter to XXXX XXXX I ask them to mail me a statement - they refuse to do so! 

I made a small payment to keep XXXX XXXX off my back till I could get this sorted out. I sent {$20.00} on XX/XX/XXXX. I received a call from them saying I had better pay - I screamed into the phone demending a statement!!!! At least five times I've assked, I've yelled, I've been close to tears, to be sent a statement. NEVER HAS XXXX XXXX SENT ME A STATEMENT. Defeated, I sent {$100.00} on XX/XX/XXXX. I sent another {$50.00} on XX/XX/XXXX. I don't even know if these payments are being applied to the bill they claim I owe. 

I have absolutely no idea how much I supposedly owe! The only amount I was ever told was {$160.00}. I have paid {$170.00}! I do not know what to do to get XXXX XXXX to declare this paid in full and to REMOVE IT FROM DEBT COLLECTIONS! I keep going in circles with XXXX XXXX and I can not get anyone to listen! 

They've ruined my credit over a bill they won't even send me a copy of!

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