I had a Home Depot account with Citibank, that was maxed out by my father (he was an authorized user). Anyway, when I finally found out about the debt it had already been sent to collections. However, the account had not been closed out, I assume because they figured I could still pay it.
So, the name of the company is called Alliance One, they are supposedly the inhouse collection agency for Citibank. They call me and tell me that I have $13,000 in debt with them and that the account is still active.
They gave me the option of paying them $8,100 as a pay off or $3,200 to bring it current, then the account would be closed and we would set up a payment plan of around $200 a month there after.
The first lady that I talked to was extremely rude, saying everything from "Running up debt is the equivalent of walking in to Home Depot and stealing" to "I'm just an immature boy who doesn't care about my debts." Anyway, I finally got to talk to another person who was a little more professional. After talking with me a while, he could see on my credit report that I am an authorized user on my Mother's credit card. So, everytime he would just insist that I put the amount on her card.
After about two weeks of back and forth, informing him that I couldn't put my "dad's" debts on my "mom's" card, I finally gave in and my mom bailed me out. We did a check over the phone for the amount of $3,200 and he assured me, 3 times, that this would bring the account current and he would call me at the beginning of July to set up the payment plan.
Well, this was two weeks ago and today I get a call from Alliance One, another mean lady who informs me that I have to make a payment by June 30th on the card for $1,100! I told her that I already had an agreement with the other guy and he never told me about another $1,100 dollar payment. She basically ignored me and proceeded to threaten me with legal action if I didn't pay it. She also said that she had my account information and that the "money better be in the account in two days." They also said that the original guy that I had the agreement with was out sick with pneumonia and they didn't know when he would be back.
Come Monday morning, July 2nd, I find that an electronic check had been cashed in my name to Citibank for $1,100! They just took the money out without my permission. Now my account is overdrawn, I have two other checks that are about to bounce because there is no money in my account.
Unfortunately, I trusted them and they screwed me over. I didn't record any of my calls because I didn't know that I should have, now I know. What do I do now? I'm a 24 year old college student with a part time job. I'm married and have a child that will be born in September. I guess people like Alliance One don't care that we are human beings, they just see numbers and dollar signs.
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