Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Sometimes known as payment protection or credit shield, credit card protection insurance is a paid feature that gives you a break on your credit card payment obligations in the event of a major life change such as losing your job or sustaining an injury. Credit score and report protection.

Card issuers may not publicize them, but most have hardship programs to get you through tough financial times. Hardship plans can include provisions that allow interest waivers, lower monthly payments or even defer payments.

You might have to negotiate a bit with customer service, but issuers are prepared to offer relief. XXXX, for example, may provide help with fees and late payments, and Citi cardholders could be eligible for forbearance.

Forbearance programs give temporary relief to cardholders and could include reduced interest rates, eliminated fees, postponed payments and decreased minimum monthly payments.

The Consumer Financial Protection Bureau suggests getting any agreements with lenders in writing and routinely checking your credit reports to make sure they are accurate. 
It was discussed with me that they had a signed signature of the contract that they said I breached and had motive to defraud them. 

XXXX XXXX XXXX XXXX that I worked for had a take over everyone in every department was laid off. XXXX was XXXX. 

Hardship undue duress from this company in light of my intention to go into a contract with the understanding of credit protection. If I defrauded them why did I even pay and make payments. Also If I attempted to pay off balance and was told I still have the same balance who is the crook in this position XXXX, XXXX, XXXX or even XXXX if they sold a account to reap their losses was it even legal. Who is able to sue who. Not one with deep pockets but someone who could not afford to stay in court with a corporation. Duress and intent. I was told I could pay a balance of round {$1400.00} but if I went to court it would be around {$5000.00}. This is a familiar toon. Why wasnt the balance honored. Did the money I paid go into someone elses pocket. Were under direction of Citi Bank and is there a blanket law XXXX XXXX them. 
Jurisdiction about these procedures and allowances. How can a company be sued for violating these rules that I know nothing about. 
I did not pursue Citi Bank or any other card they pursued me. Why because they did their research just like they knew then and also know now I am over XXXX Who is the crook. I was told I intentionally defrauded them out of a measely {$1400.00} that they would not honor back then when I was under hardship they wanted more interest and fines. How did the balance all of a suddon go to balance owed? 


Are their records falsified to only show what they want them to show and are they admissible in a court of law dealing with all sort of common law issues plus city law which allows them to do business a certain type of way with their citizen. And do not mention the internet and their jurisdiction who did it and whos identity did they use or how did they even steal it. 

At the time of the hardship I was living with both of my senior citizens parents. And I was informed we do not care we sue seniors also. What class are they putting me into to make a senerio or some common case they can put me into to lock up the case. 

Since Citibank got me to be apart of their card buyers how many times since the beginning did they alter the plans and change the balance limit and under what circumstances was it administered. When it got really bad and then they wanted the whole balance at XXXX time no payment plan. 
I have cut all credit cards up. It is nothing but a big mouse trap. 

The first officer I spoke with told me I owed {$1400.00} and if I did not the legal XXXX XXXX be around {$5000.00}. Again do I have a choice. The second told me the firm was XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX I am waiting for a credit report and to hear back from the contacts below. ++ XXXX XXXX Texas attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also waiting for credit reports

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