- Report: #971589
Report - Rebuttal - Arbitrate
Complaint Review: citibank
citibankP.O Box 6500 SIOUX FALLS, South Dakota 57117-6500 DESMOINES, Iowa United States of America
citibank citicredit Citi Cards would rather see me bankrupt, then to take a payout, they would rather write me off the take the cash. DESMOINES, Iowa
*Author of original report: The reason I was talking to CitiBank
*Consumer Suggestion: Help
*Consumer Comment: Mis-Informed...
A situation has recently come to my attention that I am asking for your help. I have been a customer of Citi Card for years. You were kind enough to allow me to be placed on a payment plan my bill is 11665.06, I was paying 366.00 a month, but my family has fell on hard times and I have had to go to a Debt Management Program. I was told that you are unable to except my payment of 311.00 a month. I had to go to a debt Management program so that I could pay all my debts, I did not think that it would be fair to file bankruptcy and not pay my debts back.
My problem is that When I pay 311.00 which is all I have left out of my budget, the interest and charges are from 309.00 to 315.00 a month, so paying even this minimal payment it would take me 29 years to pay off 11665.06. If you check your record my beginning balance was a little under 17000.00 and I was paying it down faithfully. I am now asking for help, I have already paid so much in interest, that I am begging you to reduce my debt a small amount, I am willing to sell my car, I will get about
7000.00, I would like to know if you could take this as a payoff. I really want to pay off my debt and not have to take the next step which would be bankruptcy chapter 13, which means no one will get any money. I have always been one to pay my bills and I would like to pay this off, rather than have it charged off or written off, it has already hit my credit and made my score bad, so I have nothing to lose, but I would like to pay my debt off the best I can. I have called Citibank several times asking to speak to someone about my account, last time was 10/31/12, they always say they cant help me and there is no one else who can help me, because they are only allowed to help one time with a credit card. Citi Card (Citibank) is a huge successful company, that I am sure care about their customers. You have a good reputation with your customers and creditors, which mean you, have to be a company that care. I am enrolled In Credibility Debt Management program I will provide my account number and my pay check stub as proof of not being able to meet this debt. I have someone willing to buy my car, and I would like to take care of this transaction as soon as possible. My effort is aimed toward making the most out of a bad situation with your help. Thank you is a small token for what I am asking; I look forward to your prompt cooperation. They would not help me at all, what kind of company would rather their customers go bankruptcy.
Delinda M. Helm
This report was posted on Ripoff Report on 11/19/2012 07:28 PM and is a permanent record located here: http://www.ripoffreport.com/r/citibank/DESMOINES-Iowa-50363-0005/citibank-citicredit-Citi-Cards-would-rather-see-me-bankrupt-then-to-take-a-payout-they-w-971589. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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