It is infuriating to see how much power credit card companies are given. Recently, we received numerous phone calls from a collections agency saying that our account from Citibank had been turned over to them.
To better understand the situation, this credit card had a balance of $1500, and my husband had not used it in years. It was a leftover balance from his college years. He had been paying the minimum monthly fee for several months, and it was being directly deducted from his bank account. So, as one could imagine, receiving this phone call was pretty upsetting.
We had statements to prove we had been paying, yet when we tried to contact them to ask why it had been turned over, they refused to talk to us about it and basically stated, "We don't care, it is not our problem anymore." We paid it off the next day in the settlement amount offered to us by the collections agency, and we are now working on getting the "bad debt" history cleared from my husband's record.
It disgusts me to see them get away with this and that there is nothing we can do about it. They can ruin someone's life and not even blink an eye. In conclusion, these people are the scum of the earth.
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