Citibank Credit Card Complaint

Citibank Credit card department,

Forbearance / Workout plans New York

I contacted Citi with the request below : " I am writing this letter to inform you that I have lost my job on - -, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the - license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting.


I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' They responded : From : - - Date : -/-/- Account Number : Citi ( R ) / AAdvantage ( R ) Platinum Select ( R ) - Subject : Re : Credit Card Agreement Reference : - Dear - - - -, Unfortunately, we are unable to handle your request to reduce payment through the Secured Message Center. However, we have forwarded your inquiry to the appropriate department for investigation. If you need immediate assistance, please call our Customer Service Center at -. If you are outside the United States, please call us collect at -. Our telecommunication number for our hearing impaired customers is CS TDD -. We appreciate your patience. Sincerely, - - Account Specialist. Then : I called the number provided three times, the last time on -/-/-, but no one knew how to help me or what department could. I 'm hoping to : I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting.