Consumer complaint received 2016-02-28
Company: CITIBANK, N.A.
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XX/XX/XXXX I retired. I invested {$200000.00} in an oil exploration firm XX/XX/XXXX. The investment went sideways due to fraud XX/XX/XXXX. XX/XX/XXXX I was in poor financial condition and started job hunting ; I was hired by the XXXX XXXX XXXX XXXX XXXX. At that time I retained " XXXX XXXX '' to try and clean up my debts without filing bankruptcy and began paying so much a month ( {$780.00} ) to build up an account to pay the debts and legal fees. We had progressed well and settled a portion of the debts I had incurred. XX/XX/XXXX I XXXX at work ( Workman 's Comp reduced income to XXXX ) and was out until XX/XX/XXXX. XX/XX/XXXX we started hearing from XXXX XXXX XXXX ( XXXX ) through the XXXX District Court of Utah and XXXX XXXX XXXX. For every submittal by XXXX, XXXX XXXX countered with their own court submittal. This went back and forth 4 or 5 times until XX/XX/XXXX with several conversations of settlement. XXXX was very abrasive and cursed at the XXXX XXXX people trying to settle the case, he would not settle. XX/XX/XXXX XXXX ( lied, said I never responded to the court ) ) convinced or bought this judge to put a judgement in on me, without my day in court and any arbitration. Per the contract I was to have my arbitration and a day in court. XXXX told XXXX XXXX that I no longer had a contract because these carpet baggers had bought this debt so they were no longer responsible for the stipulations of the contract. XX/XX/XXXX XXXX XXXX tried again to settle and offered everything I had in the account ( {$11000.00} ) they said no and cursed them out again and said they want it all. In the same month we submitted paperwork to XXXX XXXX XXXX and XXXX but XXXX did n't even respond, he ignored both arbitrations attempts. XX/XX/XXXX I found out they had garnished my pay check at XXXX but also my Utah state tax return was taken. XX/XX/XXXX the tax return was a {$3200.00} ( a write off because of the oil loss ), so they have garnished approximately {$7500.00} XX/XX/XXXX.XX/XX/XXXX they will take approximately {$9000.00} but not State tax return because the oil relief is over and now I owe money this year. XX/XX/XXXX XXXX XXXX was shut down and investigated by Fed 's for taking to much in fees up front and additional fees throughout each settlement process. Now the garnishing continues my money is tied up ( to settle ) at XXXX XXXX and I still have a corrupt lawyer and Judge to contend with day in day out. I had an original amount of {$20000.00}. The oil fraud was turned over to the Utah Commission and determined they were fraudulent and I filed an additional complaint against XXXX XXXX after finding they had over charged everyone beyond the normal fee structure. The only thing I know is lawyers are created to prey on other peoples misfortunes and make them pay and pay whether or not they say they are on your side. I have all the documentation sent to me and everything I submitted in return. I also have the court records that show no notice of a hearing and no chance to arbitrate a settlement, I 'm discussed.

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