Consumer complaint received 2020-06-23
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took out an auto loan with Citi Financial in appx. XXXX for a XXXX XXXX XXXX. I do not remember the amount of the initial loan. In XXXX the financial crises hit and I lost my employment and had to move. In the meantime, the car broke down on the side of the road. When I went to retrieve the car it had been picked up by Citi Financial and was  listed as repossessed. 

Shortly after I started receiving harassing calls from creditors on the account, and for a long time I paid the creditors. The last recorded payment was XX/XX/XXXX. 

Years later, the calls started up again from collection agencies. I finally started documenting them in XXXX. I always spoke with each collection agency and requested verification of the debt in writing. I disputed the debt amounts because I was never informed of the amount the car had sold for at auction and requested proof that it was deducted from the balance. Based on the recent demand requests none of the payments made towards the other creditor went towards the balance due. 

My records show the last balance from the collection agency being paid was {$11000.00}, and the most recent demand from XXXX XXXX XXXX was for {$12000.00}. A decade later I realize that the initial balance was likely inaccurate as well. 

Since I started documenting the issues with this account and collection agencies I have recorded the following. Each of the messages listed below state that they are with mediation or litigation. That the client is going to take further action which is untrue due to statue of limitations. Also that they are going to come to my place of residence. 

XXXX XXXX  : Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX Messages Left : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Documented verbal conversation XXXX : - Spoke with someone who told me hes very busy and that he is internal litigations, and I wont be getting any address before hanging up on me. 

Legal Mediation for XXXX Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX ( Number not in service on XXXX ) Messages Left : XX/XX/XXXX XX/XX/XXXX Documented verbal conversation XXXX : - Spoke with XXXX. He stated that they just got the account and that if I wanted the address I could wait for my letter. Asked where I could send a payment, and he said they only accept digital payments. I explained to him that I never received a letter, and the situation with the other creditor. He again stated that they just got the account, and I informed him that I called back the number that had been on my voicemail XXXX XXXX. When I told him that I wasnt making a payment he hung up on me. 

Company Unknown Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX Called XXXX and unable to speak with anyone because both numbers were disconnected / unable to accept calls. 
Messages Left : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Documented Verbal Conversation : XXXX - XXXX When called number they informed me the company was XXXX. Called again after XXXX refused to provide address and hung up on me. Then they told me their company name was XXXX XXXX and provided this address : XXXX XXXX XXXX, GA Was later connected to manager who informed me that the company is XXXX XXXX, and attempted to get me to pay the disputed debt. 

XXXX XXXX XXXX XXXX box XXXX XXXX, VA XXXX Certified letter mailed to them XXXX Phone Number Called From - ( XXXX ) XXXX Call Back Number on Messages - ( XXXX ) XXXX Messages left this time at my inlaws on XXXX & XXXX ( messages recorded on video ) Messages also left at my uncle inlaws between XXXX & XXXX Documented Verbal Conversation XXXX & XXXX On XX/XX/XXXX a representative from P and R called my mobile phone ( XXXX ) from XXXX at XXXX XXXX  CST. At the time I was unavailable, and the representative left the following message : Hello my name is XXXX XXXX XXXX XXXX. This important message is intended for XXXX XXXX ( XXXX ). I received an order to complete an audit on behalf of our client. It is your legal right to be made aware before any proceedings begin. XXXX XXXX. Weve made several attempts to reach you that that been unsuccessful due to no response. All of your documents were deemed undeliverable. One final attempt will be made at your place of residence. To schedule an alternate location or provide a verbal statement press 1 now or call XXXX. Again, XXXX regarding this matter. 

I returned this call at XXXX XXXX CST on XX/XX/XXXX and spoke with a different representative. Unfortunately, I was driving and did not get her name at the time. I informed the person I spoke with that I do not agree that the debt is owed, that I would like to receive something in writing, and requested to only be contacted in writing. The representative made the following statements : 1 ) Accused me of not paying any portion of the debt on an initial balance of approximately $ 25k. 
2 ) Told me that XXXX  and XXXX  did not have to nor would they send any written communication as requested. 
3 ) Informed me that they were pursing legal action against me for this debt.

4 ) Stated that there were no statue of limitations on auto loans.

5 ) Stated that I had no right to request not to be contacted, and that until I paid P and R they would continue to call me. 

XXXX XXXX Solutions : XXXX XXXX XXXX. XXXX XXXX. 
XXXX XXXX XXXX, NC XXXX Certified letter mailed to them XXXX Documented verbal conversations and phone information : On XX/XX/XXXX a representative called my husbands mobile phone ( XXXX ) from XXXX at XXXX XXXX  CST. My husband called them back right away, and he was asked for XXXX XXXX. He informed them that we have requested to be contacted only in writing. 

I returned the call at XXXX XXXX  CST on XX/XX/XXXX and spoke with XXXX. XXXX answered my questions regarding the debt, but when she put me on hold to provide an address to send the letter to be contacted only in writing the call was disconnected. I called back and spoke with XXXX. XXXX made the following untruthful statements when I informed her that I was seeking an address : 1 ) The account was in litigation. 
2 ) I did not have a right to send a dispute letter. 

XXXX then hung up on me when I informed her that the call was being recorded. When I called back moments later she informed me that if I called again she would call the authorities. Despite the idle threats I called back and this time spoke with XXXX. 

XXXX confirmed that XXXX XXXX is not an attorney nor are they representing a law firm, and that I do have the right to send a letter disputing the claim as well as asking not to be contacted.

Company response to consumer: Closed with explanation