Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, spoke to XXXX XXXX for the first time They contacted me about a Citi Bank account that my last activity on was XXXX. I have since settled the account XXXX times and offered to share the paperwork with the paid-in-full letters. 
The last XXXX digits they had on the account were not correct. The last payment date on the account was not correct. 
I asked for proof of how they obtained the account and my personal information. The person said something along the lines of " XXXX who owns Citibank ... '' That is not true. 
They said they represented Attorney XXXX XXXX. 

On XX/XX/XXXX, my XXXX received a text message from the company that said " XXXX XXXX, we need to speak with you about a matter that requires your immediate attention. Please return our call at XXXX '' I called the number and left a voicemail on XX/XX/XXXX On XX/XX/XXXX, I received a call at XXXX PST. I called back and spoke to someone from their team. XXXX XXXX in XXXX. I notified him that he called before XXXX XXXX. He was talking extremely fast when I asked questions. I asked him to slow down. He hung up the phone. 

I called back multiple times and left multiple voicemails including giving them the name of my Attorney that is representing me on this matter. I also submitted multiple contact forms on their website and did not receive a reply. 

Then, I received a text message later that morning with the same message as above. I called the number back and spoke to another person from their team. His name was XXXX and said they represented Attorney XXXX XXXX and XXXX. I told XXXX that the last XXXX digits on the card were not correct. He said " this sounds like something that should be in front of a judge ''. I offered to send the settlement letters. I gave him the name of my Attorney and he challenged by asking the Bar ID for my attorney. I asked if they had mailed me anything. They had not mailed anything. In fact, I have not seen anything in writing from this company. XXXX started talking about a court date. I asked how I would be notified about the court date. He said by serving papers. I started to give him the address to my Attorney 's office and he hung up the phone before I could finish the address. 

I spoke to a supervisor named XXXX. She said that she understood that the last XXXX digits on the account were not correct. I asked for proof of where they obtained the account. She did not provide that. Her direct line is : XXXX I asked XXXX about the false statements that her team said to me. She said the calls had been recorded and the people on her team had been addressed over the issue. I asked about the call recordings. I was not notified on any call that it was being recorded. She said that I had been " mini-mirandized '' when I took the calls. I asked more questions about where they got the account and she hung up the phone.

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