Consumer complaint received 2016-01-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I was the XXXX after the XX/XX/XXXX XXXX Earthquake. As a XXXX, I became a disaster victim. XXXX XXXX XXXX ( XXXX ) paid my XXXX for 9 years, but around the time XXXX XXXX crashed, I was ready to go back to work. XXXX refuse to pay the vocational rehab coverage in my policy, so I was left to public assistance in the form of Social Security XXXX and the Calif. State Dept. of Rehab for my re-training program. I consequently defaulted on my son 's student loans. I cashed out my retirement and XXXX whole life policy to pay what I could and still defaulted on XXXX credit cards. I have been trying to sell my home for 3 years to pay the remaining debts. I attend XXXX XXXX, but am in poverty. My house sold last week so I contacted creditors. The student loan lender is settling amicably and so is XXXX XXXX XXXX. But Citibank has a {$12000.00} card balance ( now {$16000.00} with interest ) and lien on my home. They told me that since I am " rich '' they would only reduce the {$16000.00} ( now with interest ) to {$12000.00} ( XXXX XXXX XXXX ). I asked to talk to a supervisor. The supervisor, XXXX XXXX XXXX, XXXX, told me I lost the discount ( from {$16000.00} to {$12000.00} ) because I complained and now the balance is {$16000.00} and they will just take it out escrow ( they have a lien on my home ). I asked him for the note and proof they served me legally ( I was never served when they sued me ). He said he does n't have to provide the note or anything else and he wo n't discuss settlement unless I have an atty. I told him no law requires me to have an attorney. I explained that many friends got out of their debts thru bankruptcy, and I am actually paying mine thru my home 's equity in a sale. Further, I was offered deals when everyone knew I had no assets to pay, but now that I am losing my home to pay my debts ( I built it in XXXX XXXX, they wo n't give me a fair settlement. XXXX County courts where this was filed in XXXX/XXXX/XXXX is under investigation by the State of Calif. for illegal activities. It was case No. XXXX XXXX. The debt collector is XXXX XXXX XXXX, XXXX XXXXt XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, tele ( XXXX XXXX XXXX. I told both XXXX XXXX and XXXX XXXX that I saved many lives after the earthquake, and risked my own life, had private XXXX insurance ( $ XXXX/mo ). I asked for some consideration because XXXX wo n't honor their contract with me and that 's not my fault. Note : The Calif. Dept. of Insurance investigated 4 years ago and confirmed I had the coverage and no person could go back to work after 9 years without retraining ( plus I am not allowed to work in my old profession anymore due to medical ). However, Dept. of Ins. said in their letter to me they have no enforcement powers. Moreover, no atty will take a XXXX income case for 4-5 years of XXXX benefit pmts. So there is no " sheriff in town '' for these insurance companies, the reason for my default on all my commitments, even though I had ample income through my policy to cover me for life if necessary. I request a settlement from Citibank credit cards for {$6000.00}. I think this is fair considering my situation and that I am losing my only home to pay back my debts. I have no retirement because XXXX committed alleged fraud against me and my policy with them. My home sale closes escrow sometime between XX/XX/XXXX-XX/XX/XXXX. Thank you for considering this situation and for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation