Citibank Debt Collection Complaint

Citibank Debt collection department,

Credit card Disclosure verification of debt Not disclosed as an attempt to collect Massachusetts

At approximately - EDT on Friday, - - 2015, I placed a call to Citigroup ( at telephone number - - hereinafter the - number '' ) in regards to a closed account. I was instructed that the people available on that line were not able to help me, but that I should call another department within Citigroup at telephone number - ( the - number '' ). At approximately - EDT on that same day, I followed the recommendation of the Citigroup employee, and placed a telephone call to the - number. When an unnamed representative answered this call, she answered the call as - - - -. '' As I had been led to believe that the - number was another office within Citigroup, I was confused, and asked for clarification. After being assured that yes, I was in fact speaking with a representative of Citigroup, I proceeded to divulge personal details -


who had any connection to Citigroup. I was further told that - - - - is in no way affiliated with Citigroup, even though this directly contradicted the information provided immediately earlier by agents and/or employees of both Citigroup and - - - -. I believe that during the call to the - number, an agent or employee of Citigroup did engage in unfair, deceptive, and abusive acts and practices, in violation of the Dodd-Frank Act. I also believe that their actions may have violated the Fair Debt Collection Practices Act, as follows:1. Violation of 15 U.S.C. 1692 ( e ), Paragraph 10 - The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; '' 2. Violation of 15 U.S.C. 1692 ( e ), Paragraph 14 - The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. The Citigroup employee either knew or should have known that the - number was not, in fact, another department within Citigroup, and certainly should not have represented that it was. I believe that this unfair and deceptive act may have been sanctioned by Citigroup, pursuant to a forward flow agreement with - - - -, who periodically purchase defaulted consumer credit accounts from Citigroup.