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Is Citibank Calling or Harassing You?

Citibank, N.A.

Citibank, N.A. (Citibank) provides consumer banking products and services, including checking and savings accounts, credit cards, mortgages, home equity loans, and other personal loans. Citibank was founded in 1812 and is headquartered in Sioux Falls, South Dakota.

Consumers have filed approximately 4,000 complaints against Citibank to the Consumer Financial Protection Bureau (CFPB), a Government agency charged with protecting consumers from unfair, deceptive and abusive debt collection practices. Specifically, Citibank has been accused of the following illegal debt collection practices:

  • Attempting to collect a debt that is not owed by the consumer;
  • Attempting to collect a debt that has been paid;
  • Refusing to validate or provide proof of a debt; and
  • Threatening legal action if payment is not made.

For example, a consumer filed a complaint alleging that a representative from Citibank had demanded payment in exchange for a lawsuit against the consumer to be dropped. The representative stated that a civil lawsuit had been filed against the consumer to collect a debt related to a credit card. The representative indicated that if the consumer wished to keep the suit from moving forward in court, then the consumer should make an immediate payment. Feeling pressured to make a payment, the consumer agreed to enter into a payment agreement Afterwards, the consumer called Citibank to request a copy of the alleged civil complaint. Citibank refused to provide a copy, threatened to cancel the payment agreement, and stated that they would see the consumer in court.

Both federal and California state law prohibit such false and misleading practices. The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) prohibit debt collectors and creditors from threatening to file a lawsuit in an effort to force payment. Consequently, Citibank settled the matter with the consumer and provided monetary relief.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold Citibank accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.


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