Consumer complaint received 2026-01-27 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: GA

Complaint narrative:
I am writing after receiving demanding threats after leaving XXXX voice mails stating a debt is due and that a noncompliance notice has been filed against me. on XX/XX/XXXX at XXXX pm, I received a voice mail stating that they will serve my employment and that they will call my HR department to get the procedure for serving me on my place of employment and how this can be embarrassing if I do not take action now. They stated the call is logged and recorded as proof efforts of contacting me and will escalate if not contacting the firm regarding case number XXXX. 

I called the number back at XXXX ( XXXX ) XXXX and spoke to a woman stating that I owe a debt to CitiFinancial in the amount of {$6100.00}. She said that if I do not pay immediately that I will be served at my employment. She stated that a notice was sent in the mail on XX/XX/XXXX. I told her that I have never had an account with CitiFinancial and that it was not my debt. I asked her several questions such as the date of the account and name on the account, detailed charges on the account as well as the total amount. She could not provide any information regarding the account. I told her that it was not my account, and I asked about how to dispute it and she said that because I was unaware of the debt that I could verbally dispute it and that no further action from CitiFinancial could occur for 30 days. She said I had 30 days to dispute the account. I told her that I did not know how to dispute an account if I did not have any information on the account. She said to just ask CitiFinancial for information. Again, no information. 

I received a second phone call on XX/XX/XXXX, with a message stating to contact them regarding a debt. The voice mail from XXXX ( XXXX ) XXXX at XXXX am stated that a formal noncompliance. I called the number and spoke to a man XXXX XXXX. After asking about the date of the debt, information regarding the debt, he stated that the debt was from CitiFinancial from either XXXX or XXXX. And that I owe an amount of {$4900.00}. Which is different from the amount of {$6100.00}. He stated that if I did not pay this amount I could be served at any moment and if I did not pay that they XXXX come to my employment. I told him that it was not my debt and that I had a XXXX dispute, and he said that I did not. I asked for proof of the debt, and he said he did not have any information and that I should have gotten a written notice on XX/XX/XXXX, and on XX/XX/XXXX. He tried to get me to pay immediately while on the phone and told me that I had XXXX options of payments for 24 months or XXXX payments of in a total of {$2500.00}. I told him that I did not have this debt and that it was not on my credit report. He further mentioned the details of what debt I had on my credit report including my student loan, etc. 

Both representatives stated repeatedly that I would be served at my job and that I need to pay the amount given without giving details of the account. They both threatened that I would be sued and that once served the amount owed would include othr fees such as lawyer fees resulting over {$10000.00}. They stated I needed to pay immediately or that once in court it is my word against the CitiFinancial lawyer and that the expenses would increase dramatically. And again stated that I would be resposible for court fees. I feel like this is a violation of my rights and that I have been harassed causing extreme distress. I do not have a CitiFinancial account. I have never had a CitiFinancial account. They could not and did not provide any specific details regarding this debt. They have threatened me and state that once in court is when I have to prove this debt. Why should I be harrassed and threatend for a debt and taken to court for a debt I do not have? I have the right of proof of this debt before any action is taken with this XXXX company. I have rights. I should not be dragged into court just to prove that a debt is not mine.

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