Citibank Debt Collection Complaint

Citibank Debt collection department,

Credit card Cont'd attempts collect debt not owed Debt was paid California

This concerns a settlement agreement between Citibank and me on - -, 2015 for the Best Buy Master Card ending in -. I had a balance of $440.00. CitiCards/Citibank agreed to the settlement amount of $280.00 to be paid by -/-/15. I was told that if I needed to make changes to the original scheduled payment on - -, it would not interfere with the agreed amount settled and the account would not be a charge-off. I called before the -/-/15 to change the payment lump sum into ( - ) installment payments of $95.00 to be paid with 1-month. I was reassured from the customer representative that this account would not be a charge-off and would show as being paid in full in my credit reports. I requested that this new payment schedule be in writing. I never did receive a letter of confirmation. I called again to request a confirmation letter and was told that I did not need to worry that my account would be updated after the last payment of $95.00 was received. Here is the schedule of when the payments were taken out of my checking account:- - check # - - $ - -


I was given the incorrect information on how to appropriately handle the payment plan that I agreed to. Please advise if this account is indeed settled with no more collection activity and not charged-off as I was told. I want to make sure that this account will not show up with the - credit bureaus as being a charge-off. I have called the - Department at - several times and none of the customer service representatives can not seem to answer my questions and concerns. I have checked my credit reports with the - bureaus and indeed have found that Citicards/Citibank has reported this as a charge-off. I was contacted by a collection agency about the remaining balance of $150.00 that Citicards removed due to the settlement. I feel that I was informed by CitiCards/Citibank in regards to my settlement. I 've attached the letter confirming the settlement between Citibank and me, the letter I sent them about the charge-off concern and the letter from the collection agency.