Citibank Complaint Citibank did not attempt to settle the debt with me. I had written to Citibank on XXXX XXXX, XXXX requesting a debt reduction or debt cancellation. I informed them that my monthly net income in XXXX went down from {$3800.00} to {$1500.00}. And yet it was not until XXXX XXXX that I began to experience the deficit do to my saving being depleted for medical and tax obligations. Citibank responded with a letter dated XXXX XXXX, XXXX stated they have received my communication and would like to discuss my situation ; and explore alternatives that would be agreeable to both of us. 
I received a settlement offer from Citibank dated XXXX XXXX, XXXX. The outstanding balance was {$16000.00}, the settlement amount was for {$8300.00}, with the deadline of XXXX XXXX, XXXX. On XXXX XXXX, XXXX I called Citibank ( XXXX ) and was informed that the settlement amount of {$8300.00} must be paid within 3 months, each payment for {$2700.00} and the first payment due on XXXX/XXXX/XXXX. If I could not pay the {$8300.00} within the 3 months, the other option given was {$500.00} per month for 5 years. My net income at the time was {$1500.00} per month and as I had explained in my letter to them dated XXXX/XXXX/XXXX my living expense total {$1800.00} which did not include food and every month bills were delinquent or partially paid or not paid. 
The next letter from Citibank was dated XXXX XXXX, XXXX stating my amount will be charged-off unless a payment of {$260.00} is received by XXXX XXXX. EST on XXXX/XXXX/XXXX. Well I did not have it and Citibank would not extend the date. However, I did not give up I faxed Citibank Internal Recovery Unit - Dispute Department on XXXX XXXX, XXXX disputing the amount of {$17000.00} and requesting clarification of the correspondence that I was receiving from XXXX to mediate a settlement offer of {$8500.00} with payments of {$330.00} per month with deadlines dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. And the collection letter from Client Services dated XXXX/XXXX/XXXX with a balance due of {$17000.00}. I also requested that they consider my request for a debt reduction and cancellation. Citibank did not respond to my fax. 
After XXXX XXXX the billing statements continued to be mailed to me each month and though I could not pay the minimum payment due which range from ( due XXXX/XXXX/XXXX ) {$2400.00} to ( due XXXX/XXXX/XXXX ) {$13000.00}, my last payment to Citibank was the last statement they mailed to me with the due date of XXXX/XXXX/XXXX which I paid {$15.00}. Nevertheless, I received collection letters from XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX , XXXX, dating from XXXX to XXXX. 
I also received letters from legal groups ; XXXX XXXX XXXX XXXX in XXXX, XXXX, letter dated XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX in XXXX, XXXX letter dated XXXX/XXXX/XXXX. 
My last letter from Citibank was dated XXXX XXXX, XXXX up until XXXX XXXX. I received a letter from Citibank dated XXXX XXXX, XXXX in forming " your loan with a balance of {$16000.00} has been sold to XXXX XXXX XXXX and is no longer owned by Citi. Effective immediately, please send any future payments or correspondence to XXXX XXXX XXXX '' Why were my options closed to negotiate a repayment plan when in fact Citibank had the loan up until XXXX XXXX? Citibank stop communications with me when handing my account over to collections agencies and stopped mailing out billings statements to me. Where is the accountability?