Review and analysis of over 560 complaints against Citibank
Citibank consumers have reported over 560 official complaints related to Communication tactics. Out of the 560 consumer complaints against Citibank, 12% were disputed by the consumer (i.e. the consumer was not happy with how Citibank responded to their complaint) and 100% were processed in a timely manner. 5% of consumer complaints against Citibank resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 45% resulted in non-monetary compensation.
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Citibank Debt collection communication tactics called outside of 8am-9pm February 4, 2017 - I received a call this morning at - from an auto dialer at Citibank, in order to collect on a credit card which is past due. I then received a call at - from the auto dialer on the same issue. The citibank employees when the calls were transferred to them from the auto dialer had not read the notes or prior contact or payment arrangements which were entered into their system twice over past - weeks.... |
Citibank Debt collection communication tactics frequent or repeated calls December 24, 2016 - They call me nonstop daily even on weekends sometimes before -. I receive at least 7 calls daily they 've even sent me a collection notice via UPS.... |
Citibank Debt collection communication tactics threatened to take legal action October 20, 2016 - Threatens to collect the debt using - fraud department tactics and possibly legal action or - without debt credit card collection practices, before revealing it to the consumer. Using letters and unable to identify my person and asking to send without faxes my personal social security card license and other forms of identity. Without good reason or cause for harassment as if it is to protect the consul from creating too much unsecured debt.... |
Citibank Debt collection communication tactics called after sent written cease of comm October 20, 2016 - I have previously sent this company a written cease of communication notice, as I do not owe this debt and even if I did, it is long past the statute of limitations. Somehow, they have gotten my cell phone number and are calling me on my cell phone. After being told they were calling me on my cellphone without my consent the individual said they had the legal right to call my cellphone whether consent is given or not. I do not owe this debt. This debt is past the statute of limitations for collections. I wish to be compensated for the unauthorized calls to my cellphone... |
Citibank Debt collection communication tactics frequent or repeated calls September 13, 2016 - Please refer to your compliant number - concerning, among other offenses, harassing robocalls asking for the card holder to establish an automatic charge to our bank account. All facts described in that complaint remain the same. CITI has developed some method for circumventing the call lock on their number. The credit card account was never activated therefore and the balance consists of disputed transactions and accrued interest which were reported to CITI on -/-/16 as soon as the transaction were discovered. The balance is not a legal debt and the account was never accepted or esta... |
Citibank Debt collection communication tactics frequent or repeated calls September 8, 2016 - Behind on my Sear 's account through Citi Credit Card, that is when the constant calls started, four to six times a day, every day over and over. It is not productive nor is there any good that comes out of constant calling .Calls continue even when you make payments or have made arrangements. Last night they called at -, twice at -, - and -, not including the daytime calls. I was told if you did not pick up their calls and speak to someone they will continue to call but if I pick up their call then they would not call for three days. I asked why three days, their response was th... |
Citibank Debt collection communication tactics frequent or repeated calls September 3, 2016 - I missed my -/-/- payment for my Macy 's credit card which was due - -.. Macy 's had been calling me repeatedly since then at least 5 times a day. I 'm always punctual with my payments. I miss one and they start harassing me everyday. I do n't think they is a need to call me repeatedly everyday... |
Citibank Debt collection communication tactics frequent or repeated calls September 1, 2016 - I missed a payment by oversight. When they called, I told them the date I would pay. I paid the required amount on the date I had told them. However, they continued to call me. i paid on Friday - but they called me 7 times on Sunday -. Each time I answered the call it hung up - robo calling harassment. They called me three more times on Monday and eventually had someone on the line when they proceeded to ask me awkward questions for someone who is a working professional caught on the phone in their office.... |
Citibank Debt collection communication tactics frequent or repeated calls August 31, 2016 - I receive a call at - I spoke with a gentleman who proceeded to tell me about the Citibank/home depot card which is for my husband I told him I am at work I ca n't talk on this issue as of now and ended call..However at - est I receive another call from a rep at the same company name - who id her rep number to be - she also continue talking about the Citibank/homedepot card in which I told her I already receive a call today and I am at work and it is illegal to keep calling me and I 'm not even the person. SH CONTINUE TO TALK Telling me she do not see that I was called I told her I... |
Citibank Debt collection communication tactics frequent or repeated calls August 28, 2016 - I have received many calls from this number with the caller asking me to confirm my identity. When I ask for their business name and mailing address they refuse to provide it. I have told the callers that if they do not provide me with their business address that I must assume they are performing illegal activity and give them one more opportunity to give their mailing address. All attempts on my part to get their mailing address are refused with the caller going straight back to asking me for my name.... |
Citibank Debt collection communication tactics threatened to take legal action August 28, 2016 - - - - - - - - - -, T- - Attn - - I had a credit card with Home Depot and I got behind in my payments. I am - years of age. My business of over 40 years began bringing in less and less money, starting in -, because it is dependent upon the -. The - was in a downward spiral at that time and is just now coming out of its decline. We took on more debt than we ever had before, just to keep things going. My wife had always handled the finances, ran the household, cleaned the house, did the laundry, shopping, cooking, etc., and, in general, took care ... |
Citibank Debt collection communication tactics frequent or repeated calls August 27, 2016 - A month ago we were vacationing in CA and purchased items at Macy 's in - - ; the sales clerk talked us into getting a credit card and said we 'd get a discount. We never got a bill and started getting calls a week ago that our bill was overdue ; we got another call yesterday and another one today. Each time I explained that we never got a bill and I do n't conduct that type business over the phone because of all the scams that circulate. Each time I asked them to send me a bill and they said they would. Today I reiterated that to the person on the phone, and he said then that the record... |
Citibank Debt collection communication tactics used obscene/profane/abusive language August 4, 2016 - I received a call from - - - or as they call themselves -. I was told that I have to pay my Citibank Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called one of their offices, and spoke to a - - who claimed to be the COO. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My - year old daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.... |
Citibank Debt collection communication tactics frequent or repeated calls July 21, 2016 - I am five days late paying my Macy 's card. I have told them I will pay them when I get paid, and have told them the date. They continue to call me anywhere from 4 to 6 times a day and they use two separate numbers to call me with. One number is - and the other number is -.... |
Citibank Debt collection communication tactics frequent or repeated calls July 21, 2016 - Called at - from a local number, despite the company being headquartered in New York, and left a 3 minute long voicemail, after i had contacted them yesterday to notify that i was in dispute with - - - and - on the collection, and that it was in fact illegal. The company has also consistently called and harassed me.... |
Citibank Debt collection communication tactics frequent or repeated calls July 18, 2016 - I keep receiving phone calls everyday because the secured credit card balance is over the limit by $4.00. The minimum payment is due on - -, 2016 and it reflects the minimum payment plus the overage amount which totals $29.00. I 've been receiving phone calls everyday since the new bill cycle began on - -, 2016, but the bill is not due yet.... |
Citibank Debt collection communication tactics used obscene/profane/abusive language July 6, 2016 - This debt collection company just called me and threatened to sue me to collect an alleged 23 year-old debt I purportedly owed to the Goodyear Tire Company. When I asked for the date of the alleged credit extension, I was told " 1993 ''. Then, when I explained that I did n't think I owed the debt and asked why no one had contacted me and/or sued me before regarding this matter I was told that my statements were " an indication of my terrible moral character '' and that they would " come after me, my [ social security ] income, and my property ''. Before I could say anything else, the caller hu... |
Citibank Debt collection communication tactics frequent or repeated calls May 27, 2016 - This company ( Macy 's ) calls - 5 times a day. I 've answered and told them I 'll give them their money, but the calls keep coming to the point where it 's interrupting my day. When they say they 'll stop calling, they call me from a different number from a different state. I 've already had to block - different numbers from them. Its getting out of hand. ... |
Citibank Debt collection communication tactics called after sent written cease of comm May 24, 2016 - Department Stores National Bank has violated the North Carolina Debt Collection Act 75-50 to 75-56. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. Department Stores National Bank has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). ... |
Citibank Debt collection communication tactics frequent or repeated calls May 14, 2016 - I was only 8 days overdue for my payment. I was initialy called at - on Friday, - -, 2016. Woman collector, I informed her I had some unexpected financial issues and I would pay as soon as I could. She ignored my information and she argued with me over harassment laws ; not the subject of the collection. Also on Friday, - -, the Citibank automated service started calling at - ( immediately after human collector call ), -, -, -, all were hang up calls except for - when the automated service left a voicemail message for me to call Citibank immediately. Saturday, -... |
Citibank Debt collection communication tactics frequent or repeated calls May 10, 2016 - - - - , - repeatedly call me on my cell phone, which is my work phone. When I say Hello, hello, no one is there!!! I repeatedly asked them to Validate this debt, which mentions - and as I see from my credit report is quite old, but they keep sending me a letter saying they are requesting the appropriate documents. The last time they called, I took a photo of the call on my cell number. - removed their entry from my credit report but - is not willing to do so. ... |
Citibank Debt collection communication tactics frequent or repeated calls January 15, 2016 - I was paying out a credit card with a balance of $580.00. It suddenly had an increase of & gt ; $200.00. I told them it was incorrect, but they refused to listen. This is a Best Buy credit card issued by Citibank , N.A . They are now calling my work about 10 times a day. The front office worker is getting very upset. Everyone has told them to stop calling, but they wo n't. This is serious harrassment. ... |
Citibank Debt collection communication tactics frequent or repeated calls January 8, 2016 - My household is continuing to receive calls from this company via an automated dialer. We answer the call, but no one is there. After the second call failure, my husband, - -, called back the number on the caller ID. - - Operator ID - was very confrontational and rude. He had no desire to try and help with this situation. ... |
Citibank Debt collection communication tactics frequent or repeated calls December 30, 2015 - THIS IS A NEW REPEAT COMPLAIN AS TODAY HAPPENED AGAIN- Ongoing ABUSE - A probably " fake '' Co hiding number address Name falsely representing as " attorneys '' continues to HARASS ME/our family calling threatening SUE if do not pay DOUBLE plus $1000.00 more of an Old Credit Card Consumer Debt with Radio Shack ( currently Bankrupt ) debt from 2004 past 10 years delinquent, extortion call being done ( threat to sue, garnish my Bank Accounts everything, an ABUSE ). Co calls done from - - - caller identified as " Supervisor '', said Co were " Attorneys '' called - - ( did Browse,... |
Citibank Debt collection communication tactics frequent or repeated calls December 21, 2015 - Citibank continuously harasses me ( - calls per day ) whenever my minimum payment is 2 weeks late until it is paid. This is completely unreasonable. I will be filing a written request with them to stop the calls as I use my phone for work and it is interfering with my ability to pay them. There is absolutely no constructive reason for these calls. ... |
Citibank Debt collection communication tactics threatened to take legal action December 10, 2015 - On - - - I received a phone call from - - indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was -. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida. ... |
Citibank Debt collection communication tactics frequent or repeated calls December 6, 2015 - This company calls me 5 times a day regarding a late $61.00 payment. on -/-/15, - PST, I spoke with - and explained the issue with the calls. I agreed to arrange a payment date for my account ( which I did right then online ) and she advised she would have the calls stopped. ( I have a printout of this online conversation ) Not even 2 hours later the calls are continuing. 5 calls a day is very excessive and I feel harassed. And the calls are 7 days a week, including Sundays. ... |
Citibank Debt collection communication tactics frequent or repeated calls November 20, 2015 - I opened up a Home Depot credit line when I bought a new washer/dryer in - 2015. I asked then that it would be linked to my husband account ( married 25yrs ). After that and installing an air condition unit at our home & put on our Home Depot card. I sent Home Depot $250.00 over the minimum payment for - 2015 total of $400.00. I started receiving numerous phone calls from CitiFinancial telling us to call right away, regarding our Home Depot card. So I called, only to hear that our accounts had not been linked and that I was late paying the - that I had opened and thought was linke... |
Citibank Debt collection communication tactics threatened to take legal action November 5, 2015 - My account just hit the 30 day past due and I kept getting calls from this company asking to pay the balance immediately or they were going to garnish my wages. It 's not the first time this company does this. In previous occasions my account was n't even 10 days late and I was getting calls at work, they also called my sister and told her that if I did n't pay they were going to garnish my wages. They always threat to garnish wages even if the account is not 30 days late so that I can make a payment. ... |
Citibank Debt collection communication tactics frequent or repeated calls November 4, 2015 - I have received repeated ( daily ) calls from - - - , -. They call late at night because the company has outsourced debt collection to - and representative do not know the time in United States. In addition, the representative that call and answer company 's phone use fake name to appear as if they are calling from the United States. They are rude, overbearing, and lack a demand of the English language to effective communicate. The company has given me the runaround in my attempt to get them to stop calling my home. ... |
Citibank Debt collection communication tactics frequent or repeated calls October 30, 2015 - I am getting repeated calls ( - a day ) from Citi Bank over a credit card debt I owe that I am unable to pay at the moment. I have told them to take me off of the calling list and do not call anymore, but they continue to do so. ... |
Citibank Debt collection communication tactics frequent or repeated calls October 29, 2015 - Citicard is calling my house repeatedly to collect a $20.00 credit card overdue payment. Just today, -/-/15 they called at -, -, -, -, and -. This is harassment and abusive. They need to stop this. Citi is calling from -. Citi has been doing this for several days now. ... |
Citibank Debt collection communication tactics frequent or repeated calls October 27, 2015 - I pay One Main Financial every month. I may not be on the due date, but my account never goes 30 days late. The call me on their robo call - times a day- - days a week. ... |
Citibank Debt collection communication tactics frequent or repeated calls October 14, 2015 - I am in the middle of a Debt Settlement program. I have explained this to One Main Financial. They have called my work and left messages. I ma a teacher and unable to accept calls at my work. I am aware of the debt and it will be paid, however, my company - will take care of this. They are harassing me and I am frustrated with their tactics. ... |
Citibank Debt collection communication tactics frequent or repeated calls October 13, 2015 - - in Oklahoma, - phone - has called for - straight days and many times in the past. They have been told that my son 's loan is not my problem and they continue to harass me. I have not cosigned or have anything to do with this loan. I am very tired of these phone calls and want this to stop. Thankyou, - - ... |
Citibank Debt collection communication tactics frequent or repeated calls October 8, 2015 - First of all the number they are calling is a business and does not have a Citibank account. Our company is - - -. We continue to get automated calls telling us this is in regards to our Citibank account ( which they never identify ) and that we are to call - where anyone can help us. I called them and asked them to quit calling us - but it continues. They will not tell me anything about the account, so there is no way for me to stop the calls. I get anywhere from 3 - 5 a day. It 's getting really annoying and disruptive to our business. If there is any individual account that has ... |
Citibank Debt collection communication tactics frequent or repeated calls October 5, 2015 - Used automated text messages to spam my phone. I did not opt-in or agree to collection text messages. ... |
Citibank Debt collection communication tactics frequent or repeated calls October 5, 2015 - It 's an automatic recording from Macy 's to get a credit card. When you call - you get Macy 's phone tree routing system which continues to ask for your account number for which I have none. When I finally got to a human being she had no clue why I called. She was there for receiving accounts open payments. This took over an hour to get to her. So there is no where to call to have them stop. It 's getting to be twice a day. Last week I relisted with the Do not call list '' for both phones. ... |
Citibank Debt collection communication tactics frequent or repeated calls October 3, 2015 - Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past ... |
Citibank Debt collection communication tactics frequent or repeated calls September 29, 2015 - I refinanced my previous loan with One Main Financial back in - & I lost my job at the end of -. I had been at my job for almost 5yrs. I had a payment due in - & I immediately start receiving calls & I stated my situation but the calls persisted. While trying to obtain other employment, I was open & honest about my findings nut the calls got more frequently. I 've talked to several employees there but they started to get very unprofessional with their tone of voice, tactics & eventually threatened to sue plus continue to call. I 've gotten - calls in - day leaving messages & get... |
Citibank Debt collection communication tactics threatened to take legal action September 26, 2015 - Citibank taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did ( speaking to - new collect agent this - ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back -, this case was dismissed by court -. They ( - ) are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government... |
Citibank Debt collection communication tactics frequent or repeated calls September 22, 2015 - OneMain Financial has been calling my home trying to contact my mother-in-law regarding her account with them. They call several times a day starting early in the morning until about -. I usually get 3 to 4 calls a day, both robocalls and human. I have told them that my home phone number is not her number and she has as well but they continue to call. ... |
Citibank Debt collection communication tactics frequent or repeated calls September 18, 2015 - They are using automated robocalling to mass calling me multiple times per day. ... |
Citibank Debt collection communication tactics frequent or repeated calls September 17, 2015 - The automated dialer calls my phone several times through out the day. Every day. Even though I have payment arrangements with the local branch. I have asked for this to stop and it has not. ... |
Citibank Debt collection communication tactics frequent or repeated calls September 10, 2015 - Payment -. Deferred -. Missed - due to issues. Between my phone and spouse, they call - times a day. Even once or twice when we were two days past due date, they start their - phonr calls a day. They have been asked not to call - phone during working hours and still do. They called work phone once or twice after asked not to. On - phone alone, - phone calls since - -, 2015. Saved for proof ... |
Citibank Debt collection communication tactics threatened to take legal action September 10, 2015 - I could not find the exact describe the issue '' choice, but - - threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. Said my credit would get a negative report if I did n't pay electronically. - - and his supervisor - '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic - card payment ... |
Citibank Debt collection communication tactics frequent or repeated calls August 28, 2015 - I have recently lost my job. I 'm currently seeking employment. In the mean time I send payments which I can afford every month. Although these payments are not the required monthly payments I send what I can to show good faith. The credit card companies still call me relentless day & night multi times a day. They call on - my land line phone & cell phone, When I try to explain my situation, they hang up. The companies who are harassing me @ this time are1. City Bank - -, Ky. 2.- - - - - calls are recordings as early as before - as late as - ... |
Citibank Debt collection communication tactics frequent or repeated calls August 27, 2015 - On -/-/2015 I paid $590.00 to Best Buy. Thinking the balance was paid the following month I discarded my statement. I began getting phone calls daily and when I answered a recorded voice came on that said its very important we talk to you please call Citi and a phone number that could not be made out. Not disclosing who the call was for or the matter we have ignored these calls for the past - days. On - - I was able to make out the phone number and called it. The company identified itself as Best Buy and said my account was past due for a balance of - cents and that the pay... |
Citibank Debt collection communication tactics frequent or repeated calls August 23, 2015 - They call my house every hour starting at - and quit at - then they call my cell phone I have explained to them that my husband passed away on - - He worked in - And did - years in the - Before we got Married we were Married - years when he passed! It is taking time to find out if I even qualify for any spouse benefits from over there I am to young to collect benefits here I have to be - i have - years yet but calling me - days a week - times a day is n't going to get the - government to do any of their decision any faster! ... |
Citibank Debt collection communication tactics used obscene/profane/abusive language August 17, 2015 - Was called and told about a unpayed credit card. I explained I thought it was payed off and have not received any notice. Thy replied that thy sent letter and ask about address. My address has been the same for 20 years and they did not sent to right address. I asked if they could resend to confirm the unpayed card and they said no that if I did not pay they would be serving me papers the next day. I ask to give some time they said no. They wanted payment now or I would get sued. The scare tactics was horrible. One of the women started yelling at me saying she was doing me a favor and if this ... |
Citibank Debt collection communication tactics frequent or repeated calls August 14, 2015 - i am receiving non stop calls from this agency starting from early - to late -, during which time if i attempt to say hello no one says anything they stay silent until i hang up and they just repeat the action by calling again constantly, i have tried to reach out to the company directly to express the issue but the calls continue ... |
Citibank Debt collection communication tactics frequent or repeated calls August 6, 2015 - -- Cards ServicingI have - credit cards, with them I am now working with a - - - NJ, Each day I receive - calls, and when I block that number they call from a different number. I already over and over spoke and explained my situation and gave representatives the Number to the - of NJ. ... |
Citibank Debt collection communication tactics frequent or repeated calls August 4, 2015 - I believe I am late on a payment with Home Depot - handled through Citi. So, about 35 days delinquent. I was called twice yesterday ( -/-/2015 ) and today ( -/-/2015 ) already 4 times on my mobile ( - - ) Call from ( - ) - -Call from ( - ) - -Call from ( - ) - -Call from ( - ) - -This is excessive and abusive to call so much in one day. not once was a message left. i did not give them permission to call my mobile number. ... |
Citibank Debt collection communication tactics frequent or repeated calls August 3, 2015 - After speaking with an agent and telling them when I could make a payment, I received - calls a day starting from - to - every day since the call. When they call and I pick up, there is no one on the other end and it hangs up. I understand if I paid my bill on time I would not have this problem but I have been in - accidents and have had my identity stolen and am trying. I feel this practice MUST stop because it affects everyone in my home. ... |
Citibank Debt collection communication tactics frequent or repeated calls July 24, 2015 - I 've received 5 phone calls on - -, 2015 from the same phone number. Initially the missed calls did not result in a message of any sort. After googling the number online, there were no search results pointing to a company. Upon calling the number back, it was Citicard '', a credit card I do use. An automated message asks to dial in my 16 digit credit card number which I chose not to do. Instead, I contact Citicard direct and expressed my concern. The representative who seemed irritated at me, did n't bother listening, decided it was a good opportunity to verify a payment instead of add... |
Citibank Debt collection communication tactics frequent or repeated calls July 23, 2015 - They are continuing to call and harass me even after I speak to a representative and either make arrangements with them or tell them of future arrangements. The reps are obviously not documenting the accounts properly because I continue to get phone calls almost every hour on the hour. From what I understand, once I speak to someone they are not supposed to continue calling. ... |
Citibank Debt collection communication tactics used obscene/profane/abusive language July 23, 2015 - Rude and continued to talk over me while explaining that I was at work and would not discuss the matter. Continued talking then made rude comments that he isnt the one who didnt pay their bills and he didnt care about my issue. Each time I stated I was at work, he continued talking over me and was rude. I do not know how they even found my work number because I do not write it down nor call it. In addition, I looked the number up and it was a personal phone number used not a business and I am concerned this person has my information and may not be secured. I did not verify any information exce... |
Citibank Debt collection communication tactics threatened to take legal action July 13, 2015 - - - - - -. -. in - and - - constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask... |
Citibank Debt collection communication tactics frequent or repeated calls July 9, 2015 - I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment ... |
Citibank Debt collection communication tactics used obscene/profane/abusive language July 9, 2015 - On -/-/2014 - sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. I disputed the debt in a letter dated -/-/2014 and requested that they conduct an investigation and to send me the results. On -/-/2014 I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect $12000.00 and then it also stated to me : You personally are not required to pay any of the debts fr... |