Consumer complaint received 06-09-2015 about Debt collection (Credit card) with CITIBANK, N.A. (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Started receiving threatening phone calls about charges of fraud against me on my cell and at work in XX/XX/XXXX. XXXX call stated I had XXXX pending fraud charges that would be filed in my county and ended with you have been served. 
They left a case number and a phone number.On XX/XX/XXXX I called and got a call center who then transfered me to a lady named XXXX who, in a stern, fast talking, threatening manner proceeded to rattle off that she was calling from the XXXX and they are pursuing me for an **** account that is in collections and I had to pay them immediately or be taken to court. She said I was fortunate to talk to her because they would settle my {$1600.00} debt for $ XXXX.She had the last XXXX numbers of my social security number and my oldest siblings name. I asked her what date the debt was from and she stated XX/XX/XXXX. I told her I was unaware of such debt and had never seen it on my credit report. She stated it did not have to be for the charges to be filed. She also stated I could be served at home or on my job. I told her I did not have {$840.00}. When I tried to refuse to pay anything she accused me of being " non-compliant and she will have a sheriff come and serve me a summons within 48 hours ''. I have never had to deal with something like this and was very upset and was eventually strongarmed in agreeing to have make installment payment of {$200.00} starting XXXX XXXX until XX/XX/XXXX to " settle the account ''. She put me on hold and said she had to ask permission to take deal from her manager and then transferred me to another lady to get me debit info. 
They then sent an email from XXXX and XXXX showing the agreement arrangements and wanting me to " XXXX ''. The agreement stated that the payments were processed through XXXX asking me to sign. I did not sign. 
In doing followup research I have found : - the methods they were using were in violation of the Fair Debt Collections Practices Act - FDCPA. 
- The agreement they emailed contained no address and the phone number goes to a call center. I have also found that it is illegal to correspond via email by a law office or debt collector. 
- the **** account they gave only dates for would be considered a time-barred account and not subject to collection in ********- XXXX is a company that has also been known as - XXXX and XXXX These were all owned or managed by a XXXX a XXXX XXXX 
-. in calling XXXX they gave different dates and dollar amount for an old account I had that was written off in XX/XX/XXXX which also does not match any date XXXX XXXX gave so I believe they are fraudulently collecting on a non-existent account and they are committing interstate fraud since I live in XXXX there are several complaints against these company 's on rip-off report sites online. 
I have been trying to reach XXXX XXXX or someone in their office using the phone numbers I have for them to ask a few more questions but my calls are not answered. 


Desired SettlementNo further contact with me from any XXXX connected with this or future collection attempts including phone calls to my cell or place of employment, emails, notices through the USPO or threats to take me to court. 

- See more at : http : XXXX # XXXX

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