Consumer complaint received 2015-10-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
a creditor named citibank XXXX na citicards who obtaind citicorp credit services to collect delinquent accounts in XXXX and who made an agreement to accept less than owed has suddenly decided to retain an attorny named XXXX XXXX XXXX chartered who file a writ of garnishment for an amount unknown to me ... citi had agreed to reduce and accepted less as per attached ... then they stated XXXX due as they also agreed..they reflected this on my credit reports yet this company named XXXX XXXX XXXX XXXX a debt collector is suing me for an amount XXXX plus legal fees this is unjust not warranted as the credit card company noted XXXX due when they accepted less than owed ... now this atty is looking to take money from me for their legal fees and god knows what ... exorbitant interest and legal fees ... i had requested they validate the debt ... they never did ... they obtained a judgment without proper service and provided a affidavit indicating that a XXXX who noted they were not me said to leave at door ... i was n't here at the time ... and i do n't have a garden ... i do n't know any XXXX year old that is XXXX and XXXX and i was not made aware of a summons or complaint as the credit card company had already agreed and accepted less than owed ... then this other atty obtained a writ of garnishment 5 years later after it was settled ... and sent out a letter to generic employers with my social security number on it ... stating that they received a judgment yet i was n't properly served as i am not XXXX do n't have a garden and am not XXXX or XXXX ... i was not in town at this time either ... then they got a judgment it looks like 9 months later and i was n't even aware there was a hearing ... .in XXXX of XXXX i sent them the notice it was settled and asked them to validate the debt ... they never did and said i do n't need to answer as they will take care of it ... i notified the court house as well and asked them to vacate the judgment in XX/XX/XXXX ... they also noted paid ... now this atty is harrassing me ... i filed a motion to set aside and they said since i filed it practically 5 yearss later it is too late ... well i was never served to appear and i could n't even defend myself ... and citi already accepted less ... i noticed they went to credit reporting company eperian and pull info,,, including my social seuirty number and then addressed letters it looks like generically to emloyers & gt ;???? I do n't have any employers and then i get weird mail for solicitations for lines of credit for towing companies that have bad reputations and seize cars that aren ; t me yet they 're using my address and property for what i do n't know ... it sounds evil ... .please assistthe credit reporting companies is noting XXXX due just as the citibank people said they would state ... the atty is looking to garnish monies i canafford to give up ... as my earnings are less than XXXX per week not including my expenses ... i filed an objection to claim of expemption ... i filed a motion to set aside ... the atty is stating that since i am now filing this 4 and 1/2 years later they have the right to collect XXXX plus XXXX in legal fees yet the credit card company citicorp credit services in XXXX agreed to accept less than owed ... .is this legal??? can you please assist and ask the XXXX XXXX and XXXX XXXX a XXXX to cease and desist in their actions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation