I have been contacted by this company 3 times in the past several months. I have never made any arrangements.
From the first phone call I suspected fraud. First - the phone number they called me with is a non-published number. Secondly, when I asked the rep what addresses they had on file, two of them were wrong, the only address they had correctly was my current address. Third I have never had a Visa with Citibank, it has always been with Capital One, this has never showed up on my Credit Report.
The second phone call I asked for call back numbers to allow me time to investigate and call them back. I was given names and numbers, but I never spoke to a live person, left voicemail messages and never got a call back. Up until 2 days ago, the third contact came.
They claim that I owe with interest $1,259.07, on a card that was applied for in 1989, but would settle for $389.00. Now the letter I received from them days prior to the last phone call wants to settle for $517.43. If this was a valid debt I was in te military from 1989-1997, there should have been no problem locating me.
The rep that I spoke to 2 days ago is Ted Long. He got rude with me when I told him that I have never had an account with Citibank and started asking for proof. I requested a copy of my alleged signature, number for original creditor, and account number.
Ted eluded to the account had been paid on for almost 2 years and that I contacted the original creditor in 1990. Again I explained to him that I have never had an account or credit card with Citibank. He told me that he was trying to do me a favor and settle for pennies on the dollar. I told him that I wasn't paying for something that I never applied for. When I refused to listen to his nonsense he threatened me, by saying he would go through the my local Sheriff's Department if I didn't want to settle.
Before the call ended abruptly, Ted wanted to give me 48 hours to think about it and call them back with an answer. I spent a lot of time yesterday investigating. I called Citibank, they have no record of me or my SSN, I even spoke to their Debt Recovery Department I don't exist in their system.
I am so glad that I found this website, during my search, my gut feeling paid off. Citibank suggest that I call BBB of Illinois, and the (FTC) Federal Trade Commission.
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