Citibank accidentall y contacted a collection agency and won't follow up to cancel it.?

Question

Citibank thought I owed them about $100 when in fact they owed me about $2. So a collection agency sent me a letter. In the end, Citibank ended up paying me $2 and finally realized that I didn't owe anything, but Citibank did not follow up with the collection agency. They were quick to get the letter sent to me but couldn't care less about getting it removed. What can I do about this? There's no debt and never was, but I don't want a collection agency harassing me or adding false information to my credit report.

I am not sending the collection agency proof. By law it is the agency's job to send me proof if I request it (of course there is none). Can an agency send information to credit reporting agencies without sending me proof first?

Answer 1

They can make any claim they want. They are not even obligated to prove the claim to the reporting bureau.

Once it is on your credit report, it is YOUR responsibility to act to clear it. That would include providing evidence proving your point...although other information of the account can be "blacked-out."

Point of Information: Citybank has a very bad reputation. They have been known to keep bad records of customer accounts, and go overboard in reaction.

However...you are correct that Citybank, as the holder of the account the Collection Agency is trying to collect on, is obligated to close the account with the Collection Agency and advise that the account was never in default. If/When they fail to perform, the magic words must be used...lawyer / lawsuit.

Answer 2

do a pre-emptive move with credit agencies and talk to them about this situation and be prepared to send in faxes of the letters and checks that citibank sent you.

if the credit agency files false credit information about you, that's a criminal matter and should be treated as such.

send the credit agency a certified letter with the evidence that you have regarding your situation - tell them that you are doing this as a courtesy to them. CC citibank on the letter and be sure to send a copy to some high ranking executive's attention, which might result in higher profile attention.

it's not your job to do the due diligence regarding the validity of your credit situation - it's the credit agency's JOB.

they can't just randomly threaten people's credit without any due cause - it's called harassment and if they are from a different state (which they likely are) it's potentially racketeering - a federal crime.

check the return address of the credit agency and see if it's out of state.

they are dabbling in the illegal here and should be treated like the criminals that they are acting like.

Answer 3

I sure wish I had these problems.....I could use $1000 about now.

This should be fairly easy to fix....but you must follow a specific procedure that involves sending out a couple certified letters. They must be certified/return receipt to prove that you contacted them.

If, after you follow these steps, they have not removed this from your report within 30 days, you can sue them in small claims court (very easy) for $1000.

Read the link below....if you need help contact me. I am not a lawyer or credit counselor...just someone who likes to pester collection agencies.

Answer 4

Whom ever you call, keep a record of their name, phone number and the time that you call. Citibank's responsibility is to correct the issue since they wrongly accused you that you owed them the money in fact that they owed you. Write the letter to the president of Citibank. I don't think he likes to hear that but get to the top if you need to.

Sometimes talk to the manager is not working.

HSBC keeps calling my house looking for someone who I don't know nor ever lived her. I kept telling them that they have the wrong phone number and they refused to remove my phone although I'm on no call list. I called and they refused to give me the president of the company's name. I went online and got the name and wrote a complaint online, no one ever responded but the calls stopped.

Answer 5

Call the credit bureaus and explain this or call Citibank back and get a supervisor to correct the the problem for you.

Answer 6

Contact you local State Attorney General Office,(should be in blue pages in phone book under state offices) Speak with the Consumer Division, and see if they will direct you to th proper place.

Answer 7

Wow ..What you need to do is dispute it with the 3 bureaus send a copy of the letter and demand a deletion.Make you do it with return receipt requseted