Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The XXXX companies I am writing about have been relentless and dishonest in attempting to collect from me credit card debts that were generated during the XX/XX/XXXX/XX/XX/XXXX economic meltdown. That is when the clock started. According to the statute of limitations in California where I reside, these debts are past the statute of limitations period of four years. I was informed on Wednesday that one of these companies has obtained a judgment against me and will begin to garnish my wages effective XX/XX/XXXX, defying the laws of the state that clearly spell out that debt that is older than 4 years old can not be collected. These aggressive debt collectors have made it a mission to enforce debts that are barred by the statute of limitations. In good faith I negotiated with XXXX of the XXXX debt collecting companies a few years ago and I have been paying down this debt slowly. The other XXXX companies have been incessant in their continued pursuit. These are all open credit accounts debts and the debt collectors know that these debts are old and past the statute of limitations. They still proceeded to sue me. Now my professional reputation within the company I work for is very much negatively impacted, perhaps irreversibly. I have no idea what impact this wage garnishment issue will have on my future advancement chances and income earning potential. The imposed wage garnishment sums are so outlandish that I can not possibly stay financially viable ; I will crash. The XX/XX/XXXX/XX/XX/XXXX meltdown had terrible financial repercussions on my family and I. When people around me were declaring Chapter XXXX bankruptcy, I stuck it out and fought back in order to pay back loans. My house went into foreclosure three times and three times I saved it from this fate by providing mountains of bank-requested documentation, many times the day before the house went to auction. I am very proud of having achieved this. Unfortunately some of my debts went without recourse and I lamentably could not pay them back. I achieved new and promising employment XX/XX/XXXX and I was looking forward to a productive and contributory career advancement and now this. I find it appalling that the courts would allow for a lawsuit of this nature, in full knowledge that the cases fall outside of this state 's statute of limitations. My situation now is dire. After having fought back from the precipice more than once, I am besieged by an unlawful and unscrupulous turn of events. Mind you ; I successfully came back from the meltdown while dealing with both my mother and father 's illnesses and subsequent passing. I took care of them every day after work for four years. Would not have done it any other way. So kind folks, an act of God brought me to your website. Your mission statement and goals are so worthy I can not begin to express my sentiments. Thank God that a group like yours exists. Now, I ask for help. I am staring at a life ending on such a false note. Please help my family and I traverse this labyrinth and find true justice out of this terrible whirlwind. I thank you profusely from the bottom of my heart. Pleased do not hesitate to contact me for any reason whatsoever. I want to be a model of what can happen to many consumers that fall into the hands of the evil white collar segment of our society. God Bless You.

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