So I get a letter from this company citing a Citibank debt of about 4k that I have no knowledge of. I call them immediately to inquire for information and ask for Paul Nolan who is named on the letter. No effort is made to locate Paul Nolan but instead the individual who answers the phone asks if they can help. I explain briefly that I received said letter and require information as I am not aware of this debt. I am transfered immediately to an automated message asking me to send in my police report that then hangs up on me. Police report, how can I file a police report with no information?
Perhaps the guy who answered the phone has made a mistake so I call back. A woman answers the phone this time and I explain the context of the situation. She says I have two options, I can pay her what amounts to 50% of the debt right now or I can think about for a little while until I realize that I owe it and call her right back. She really says this. My patience is waining at this point but I again attempt to explain to her that I am seeking verification of this debt and what the debt is for. She replies that I just owe it and her company sending me the letter is all the verification that is legally required to indebt me to their company.
Well, now its obvoius she is intentionally providing me with incorrect information. I ask her again to mail me verification of debt and she refuses. We speak more in depth and she is not sure if I had a Visa or Mastercard and is unclear what my name is after I provided her with the account number on the letter but is sure nonetheless that I owe the debt. Just crazy talk.
She states that that last activity on the account was 7 years ago but says this has no relevance, even if the statue of limitations has expired that it makes no difference, she will continue to call me. She doesn't have my phone number.
I sent this company letter requestion verification and no further contact. If they continue to contact me in any way except to send the documents I requested then I will contact the attorney general and file civil suit. The documents I requested do not exist so I do not expect further contact.
Bottomline is that this company appears to just try to bully people who are not aware of their rights into paying money with no concern with the validity of the debt. I encourage anyone that has been wronged by this company to contact the Attorney General's office in Michigan or there will be no motivation to change their corrupt practices.
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