After loosing my job permanently due to a plant closing, and unemployment pay ended I could not pay the Citicard Account to their satisfaction. I owed them approximately $2100.00 when I got laid off.
When I got my severence pay I paid them down to just over $1700.00, and continued to pay monthly payments each month until my unemployment ran out. They turned the Account over to Academy a Collection Agency. I borrowed and paid them $1250.00 in a two month period, they were threatening to sue me. They were so very rude that I could not tollerate the verbal abuse that I was getting so I told them to sue me.
I knew that I had proof that I had paid between Citicard and Academy over $6000.00 for an account that only around $2000.00 in charges had been made and I had proof of this fact. Below is the Computer record I keep of Bills/this bill that was paid:
Company Academy & CITIBANK SAME CARD
Company Paid check number Date paid Payment Charges
Citibank 97721250 11/22/1999 $245.00 $5.00
Monthly End Balance $1,971.08
Citibank 41922054 1/10 $41.22
Monthly End Balance $2,143.95
Citibank 97737069 2/10 $50.00
Monthly End Balance $2,032.26
Citibank Credit Shield 2/29 $43.00
Monthly End Balance $2,032.26
Citibank Credit Shield 3/31 $42.00
Monthly End Balance $2,032.87
Citibank K9114141 4/5 $15.00
Monthly End Balance $2,129.75
Citibank Credit Shield 5/11 $42.75
Monthly End Balance $2,141.31
Citibank Credit Shield 5/23 $43.00 $5.00
Monthly End Balance $2,141.31
Citibank Credit Shield 7/7 $48.45
Monthly End Balance $2,266.95
Citibank 61303108 8/4 $48.45
Monthly End Balance $2,250.45
Citibank 61303108 9/5 $60.00
Monthly End Balance $2,250.45
Citibank 42406063 9/25 $700.00
Monthly End Balance $1,603.73
Citibank 61137042 10/30 $40.00 $348.72
Monthly End Balance $2,014.29
Citibank R2814309 11/28 $1,500.00 $941.96
Monthly End Balance $1,509.02
Citibank 43170148 12/13 $39.20 $609.88
Monthly End Balance $2,135.60
Citibank 43146388 1/22 $180.00 $43.79
Monthly End Balance $2,055.78
Citibank 5877 3/9 $150.00 $28.59
Monthly End Balance $2,036.96
Citibank 5907 4/17 $78.96 $7.00
Monthly End Balance $2,098.75
Citibank 5913 5/2 $82.79
Monthly End Balance $2,098.75
Citibank 5944 6/7 $82.79
Monthly End Balance $2,098.75
Citibank Credit Shield 5/12 $84.00
Monthly End Balance $2,044.63
Citibank 5978 7/5 $82.79
Citibank 5982 7/6 $183.75
Monthly End Balance $1,930.04
Citibank 42476221 8/22 $40.00 $82.87
Monthly End Balance $2,023.35
Citibank 3953 10/15 $100.00 $12.37
Monthly End Balance $2,141.18
Citibank 4027 12/20 $358.28
Citibank 4123 3/18/002 $100.00
Citibank 4131 4/8 $165.58
Citibank 44303088 4/19 $78.96
Monthly End Balance $2,044.29
Citibank 4147 5/16 $27.00
Citibank 6142 3/26 $33.00
Citibank 6155 4/3 $33.00
Citibank 6178 5/17 $40.00
Academy Collection Service for Citibank 6241 7/15
Paid $850.00
Academy Collection Service for Citibank 6247 8/8
Paid $200.00
Academy Collection Service for Citibank 6203 8/29
Paid $225.00
National Financial Systems for Citibank 001
Paid 11/21 $253.00
NCO Finance 9000 6/25
Paid $75.00
NCO Finance 7/25 $75.00
total paid $6,446.97
total charges $2,100.18
I sent a copy of my record to Citicard / The Attorney General / Academy / National Finance / and NCO Finance / and now to an Attorney
I am tired of trying to prove to this company that I have paid them not 18% interest but but 3x the amount I actually charged.
Enough Is enough.
I did not enclude the account numbers, but have them also.
Citicard and their Collection Agency are robbers.
Janet
Stokesdale, North Carolina
U.S.A.
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