A few days ago we stumbled upon this website – citibank.pissedconsumer.com
that makes for entertaining reading, but it’s just a place for venting. some of the vents don’t make sense, such as the person complaining that they did not earn their points because they cancelled the card before the end of the month, or the person who wanted to pay their bill, but cancelled their card and did not know their credit card number when they wanted to pay the bill. here the ignorance is on the part of the customer.
Don’t get me wrong, citibank sobered me up years ago. when i ran into some trouble paying cards, it was that particular card that had the most insistent collectors calling me very regularly. one particularly friendly person who worked there took my side and said that they were relentless. he worked part time for them collecting. he adviced me to hide any valuable belongings. (chuckle). i eventually got up to date with the card and never again let that card slide.
I just received a letter from a collection agency stated that I agreed to pay the amount a month which I have NEVER spoken to anyone, not by phone or letter. I can’t pay the amount that they want and I’m not going to starve my family to meet their need. I need to write them a letter that I’ll pay what I can not what they want. What’s a polite way or down to the business type letter do I need to say to them so they won’t harrass me again?? I just started my new job and I hope they don’t start calling me at my new job or can they find out where I work as long as I don’t tell them??
WAIT A MINUTE: do you owe this debt or have you never heard of it before? If you haven’t heard of it before, then you are not responsible for it. I would check your credit report to make sure that it is even on there before you discuss anything with them. Creditors try to scam you into paying a debt that is years old that you are no longer responsible for and is not even on your credit report.
Do not acknowledge anything. If you do, then you are responsible.
What state do you live in? and is it on your credit report? you can get a free report once a year, or go online, sign up for a free 30 day trial to get your report, then close it the next day so you don’t have to pay (if you have to go that route).