Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Here is a log of the many calls I have received since XXXX regarding a CitiBank account which I settled and paid in full the settlement in XXXX. As of today, XX/XX/XXXX I am still getting collections calls. I dont know how to stop this account from being sold to new agencies again and again. They demand each time that I prove the account is paid and threaten legal action. 

XX/XX/XXXX XXXX AM received call from XXXX XXXX XXXX ) from XXXX XXXX XXXX. Called my cell then house number stating he is calling for XXXX XXXX XXXX and to call them at XXXX before it escalates to a legal matter. 
I called XXXX XXXX XXXX and they said this was regarding a CitiBank card debt for {$XXXX} and with interest and late charges its now {$XXXX}. They threatened legal actions such as wage garnishment, levying, irs garnishment and XXXX yr judgement unless I entered into a payment arrangement today. Also said they mailed me the information about this debt in XX/XX/XXXX ( never received ). I advised I never received any mail correspondence and that this appears to be the same debt collection call I get every 6 months or so as they continue to sell the account and I continue to advise each new collection company that this is paid. She said she would document it to get the account sent back to the client. 
XX/XX/XXXX XXXX XXXX  from XXXX XXXX XXXX ) with XXXX XXXX XXXX XXXX said transferred me to paralegal XXXX XXXX in mediations. XXXX said that she remembers that I told her this account is paid but that I will still continue to receive correspondence until it goes to court. I advised I have received no correspondence and she said I was slow and hung up. 
XX/XX/XXXX XXXX AM XXXX from XXXX XXXX XXXX regarding XXXX credit card {$XXXX} from CitiFinancial Bank with last payment of XXXX. 
XX/XX/XXXX XXXX XXXX XXXXXXXX Collection attempt XX/XX/XXXX XXXX XXXX  XXXX Collection attempt XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - I was on travel and received another collection attempt but I was unable to document the name of the company. The lady on the phone said that if I didnt pay or provide proof of payment I would be taken to court. I advised that I have provided proof of payment to several prior agencies and they continue to transfer my account and she said that was not their problem and I have to provide proof again. 
XX/XX/XXXX XXXX XXXX XXXXXXXX missed call XX/XX/XXXX XXXXXXXX XXXX XXXX missed call XX/XX/XXXX XXXX XXXX XXXXXXXX from the Processing Division. Received a call ( and my husband 's cell as well ) and said they had sent paperwork to my address ( none received ) and that I had not responded and they were calling because they are collecting for CitiFinancial iao {$XXXX}. I advised the only outstanding debt that I had with CitiFinancial was settled many years ago. They did not identify what company they were calling from so I called back and the recording only says its " the processing division ''. 
I called Citi at XXXX and spoke to a gentleman named Sunny who looked up by name and also by my XXXX and confirmed that they only show one account which was sold to XXXX ( XXXX ). He said I had to fax CitiBank and XXXX the letter from XXXX XXXX XXXX showing this account was settled and then after XXXX  days they would look into this matter. I also called XXXX and they confirmed they only had one acct from Citi and that it was settled and that they would send me another confirmation letter for my records. I faxed the XXXX XXXX XXXX letter to Citi at the fax number provided. '' XX/XX/XXXX XXXX XXXX  XXXX Advanced Mediations Advised that there is a pending civil case against me for attempting to defraud by not paying a Citibank account. I advised that the last time I was contacted I informed the collector that I spoke directly with Citi and they confirmed that they only had XXXX acct for me and it was paid off and that I was told that they would contact the client. The lady said she would put a not for the person handling this account to review what I said. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX very fast so it was hard to understand but it seemed like she was going to go on to her spill about collecting but then said wait it looks like we already called you today and just hung up before I could get a word in. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Mediations I called them to find out if they are different from the one who called me in XXXX. I spoke to XXXX XXXX and he said that they got this account in XX/XX/XXXX to collect for a Citi account # XXXX. I then called Citibank XXXX at XXXX and spoke a lady ( agent # XXXX ) who looked up by this account number and also by my SSN and again confirmed that they only show the XXXX account which was sold to XXXX ( XXXX ). I then called XXXX Mediations again and spoke to XXXX XXXX and told him about what Citi confirmed and he said he would escalate it internally so that they can contact Citi and if they confirm the same then the collection efforts would cease. I asked if they could please stop selling my account to another agency because this account keeps getting transferred and they keep calling and threatening legal action and asking for proof of pmt in order to stop collection efforts. He said he is not aware that they would sell accounts and that they would not contact me again. 
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX department XXXX they will submit to garnish wages today for Citibank acct ending # XXXX for {$XXXX} with last transaction in XXXX iao {$XXXX}. 
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX department Advised I only know of XXXX Citi acct and it was settled via XXXX XXXX XXXX ( ending # doesnt match ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Male rep said XXXX sent a request to them to serve me garnishment papers and unless I can resolve something with her in the next XXXX hrs they will be served. 
XX/XX/XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX department Called XXXX and told her I just got off the phone with Citi XXXX ( XXXX ) and they can only locate XXXX acct ( # XXXX with XXXX XXXX XXXX XXXX for me and it was satisfied. XXXX said she will contact Citi and request that they pull the original contract and will call me back. 
XX/XX/XXXX XXXX AM XXXX XXXX Mediations Was hung up by XXXX female staff members when I told them the debt is paid. Called back and spoke to XXXX who ultimately said they dont get involved on whether I owe or not, I will have to bring proof to court. 
XX/XX/XXXX XXXX Mediations threating legal action for Citibank account, advised it was paid XX/XX/XXXX started receiving calls again about Citibank account but dont have detailed records

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