Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Regarding : Citi Platinum Select Account ending XXXX, Citi Simplicity Account ending XXXX. 

I lost my job in XXXX and due to not being able to find a new job, I became XXXX. 

I was the XXXX in XXXX Pa. 
I was a XXXX accredited member with an A+ rating. 

I made a few late payments to Citibank, this put me on their automatic dialer Collections list, the phone calls never stopped even though I was making monthly payments. I sent them a Cease and Desist letter XXXX XXXX, XXXX but the phone calls never stopped. Citibank claims the letter was never received. 

I claim Citibank is guilty off unethical debt collection practices. 

In XXXX, XXXX, a XXXX. I was unable to do ANYTHING for the better part of a year. 
I have medical documentation of the injuries to prove that I did not make false claims regarding said injuries. 

During one of the many phone calls, Citibank was informed of the injuries, I said that I had every intention to pay my bill but am unable at the present time, I need time to recover, asked them to stop calling and reminded them of the cease and desist. Citi was calling me several times per day, to the point that I would answer the phone and say " I 'm sorry, but my situation has not improved since I spoke to you 2 hours ago ''. 

I reminded them of the Cease and Desist, and they said in a letter from the office of the president, dated XXXX XXXX, XXXX and signed by XXXX XXXX from the Executive Response Unit, that the Cease and Desist was never received, but the calls would stop for a 14-day period. I have documented proof that the calls still did not stop during the 14-day period, which can be backed up by Citibank 's own phone recordings. 

XXXX XXXX, XXXX I sent Citibank another Cease and Desist. The calls never stopped I have documented over 50 calls that were made during and after the 14-day period that was promised ( time, date, employee name, employee identification number ), and after the 2nd cease and desist letter. 

It is highly unlikely that using the same mail system that Citibank uses to send bills to their customers, neither of two letters sent to Citibank reached their destination. 

I filed a complaint with the XXXX, enclosed a copy of the Cease and Desist, which was forwarded to Citibank by the XXXX of New York. 

The phone calls stopped. 

I was satisfied. 

Then Citibank waited 1 year for the statute of limitations to expire on the Fair Debt Collections Act, Violated the terms of the Cease and Desist, transferred the accounts to an outside source ( Debt Collector ) and now this nightmare has started all over again. 

If an individual harassed another individual the way that Citibank harassed me and my family, the individual would get arrested, and have a criminal record that would prevent the individual from exercising one of our Constitutional rights

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