Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX I hired beyond finance to assist me with the consolidation and resolution of debt that had occurred during the XXXX incident of XXXX to XXXX while attempting to run a business out of XXXX XXXX, New York. I wish to state that all debts handled by beyond finance and that occurred as a result of XXXX, beside this singular debt, have been resolved or settled. Despite multiple attempts to reach Citibank, N. A. ( hereby referred to as Citibank ) XXXX XXXX was never able to get a hold of Citibank or received and returned communication from them. While I know it is not required by law to deal with a Finance company to resolve debt, the fact that Citibank was the only company not to respond was strange. A month or XXXX later I received an answer for the lack of communication to resolve the debt by Citibank as they were busy hiring a Debt Collection Lawyer to seek Judgement via the local court system before making any effort to resolve this debt through normal means. Upon being served with a court summons I was confused and reached out to beyond finance who did everything in their power to assist me in my effort to resolve this with Citibank to no avail. I answered the court summons and went through arbitration with the city of north tonawanda court. Arbitration was done via phone conference at which time the lawyer representing Citibank, XXXX & XXXX, ( hereby referred to as Citibanks Rep ) and the lawyer for the City Court engaged in an ex parte conversation to discuss the debt and come to terms before I even entered the conversation. If this matter can not be resolved I will file an attorney grievance with the XXXX XXXX department to investigate that matter and hold the city attorney and Citibanks Rep accountable. After a bunch of fighting against the XXXX XXXX and Citibanks Rep in XXXX of XXXX a Settlement was met for {$2300.00}. On attempting to pay the first payment I was met with difficulties from Citibanks rep in making the first payment and reached out to the city court to find Citibanks Rep was in the middle of manufacturing the situation to be able to claim immediately that I had defaulted and the agreement was voided before we even got started. I nor the XXXX XXXX agreed with this and Citibanks Rep was forced to accept payment for the first and second month. Unknown to myself and the court, Citibanks Rep bank drafted another settlement and went forward claiming that this unsigned and unknown document was now the agreement. XXXX months later Citibanks Rep sent a payment back to my bad claiming issue with processing then claimed another default to the settlement. After some arguing with Citibanks Rep a payment for the month of XXXX and XXXX was paid once again. Once again unknown to myself, Citibanks Rep drafted another settlement, also unsigned and unknown. They then claimed default and used questionable text in the settlement agreement, which stated upon default Citibank will move for judgement and use this passage in the agreement as due notice of them filing the judgement and then file a default judgement against me with XXXX XXXX without my knowledge and no opportunity to defend myself. Citibanks Rep continued to accept payments on what I believed to be the original settlement until XXXX of XXXX when they stopped accepting payment claiming the loan was in default and all agreements void. The judgement they got in XXXX of XXXX was XXXX days after they accepted the double payment and only reflects XXXX of the XXXX payments made to the account at that time and was not for the remainder of the settlement agreement but for the total of the original debt they had already forgone with the settlement. From XX/XX/XXXX to XX/XX/XXXX, a total of XXXX months, XXXX payments were made to Citibanks Rep totaling {$640.00}, XXXX of which were {$80.00} and XXXX for {$160.00} that were double payments for the above mentioned manufactured defaults, leaving a total of {$1600.00} Over the last few years I have made several attempts to resolve the matter with Citibanks Rep but they have down right refused to work with me. Now as I have taken full time employment they have moved to garnish my paychecks for over {$3500.00} greater than the original debt and well beyond the settlement agreement amount. I have since had to start making payments to the XXXX XXXX XXXX XXXX XXXX to avoid garnishment of my wages. In keeping with the original settlement I made a payment of {$80.00} on XXXX bringing the remaining total of the settlement agreement to {$1500.00}. I have gone to the Courts to get assistance but that is still ongoing and I have made several attempts to resolve this. I am now coming to the CFPB to assist me in resolving this matter by reaching back out to Citibank, N. A. to resolve this matter once and for all.

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