Debt collection -- Attempts to collect debt not owed -- Complaint #7407051
Complaint Overview
Complaint ID: 7407051
Company: Citibank, N.A.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Texas
ZIP Code: 77573
Date Received: 2023-08-15T12:00:00-05:00
Date Sent to Company: 2023-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a call stating that I was being served a court summons and asking if I was home. When I asked what the summons was related to, I was given a phone number and case report to get more information. When I called the number given to me, I was told by a man calling himself XXXX XXXX, that her worked for XXXX XXXX XXXX, a law firm in XXXX and that I was being named a defendant in a case by Citibank pursuant to an unpaid balance on a card fromXX/XX/2016. ( This card was paid and closed as shown in my credit report ) When I responded that I had not received any communication from Citibank regarding such a debt, I was told it as because it had already moved past the collections process. That the total sum now due would be over XXXX ( the original stated amount was XXXX ) I was told that the serving company messed up and werent supposed to give me a number to call and that since I had called I could possibly be eligible for remediation to avoid civil court costs. If I paid online that day through a XXXX statement, I would only be required to pay XXXX. When I indicated that I would like more time to investigate the veracity of this suit/ claim there was no effort to coerce me. I called the XXXX Attorney General 's Office after being unable to speak to anyone at Citibank to verify the collection. They referred me to the Secretary of State 's office to see if this company had a Surety Bond which allowed them to collect debts in the state of XXXX. When I called, I was told this company did not have such a bond and that I was likely the victim of a Scam attempt.
Frequently Asked Questions
What is Complaint #7407051 about?
Complaint #7407051 was filed against Citibank, N.A. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-08-15T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.