Ms. Bugni from their agency called me stating that I owe CITI credit $3810. I did not dispute the fact that I owe, however I am not able to make full payment. She told me that since I am an authorized user on my mothers cc account that she can charge it to that account. I told her that I cannot do this, I have this account because my mother has medical issued and from time to time I need to use it for that purposes. She told me to ask my mother. This is not her responsibility to do this. She stated that she would charge it to her account. I told her that she couldn't do this.
I had my wife listening in on the call as a witness. She called 2 to 3 times daily. I didn't answer. She called me on Dec 19th asking my wife to talk to me, my wife told her that I was not there. My wife called me on my cell phone to tell me that she called my wife a little lire! I called her back to inform her that she is in violation of several FTC laws and told her which ones, she asked me to read them off to her, I told her that since she is in the business that she can read them her self. She proceeded to call me a liar and a cheat, (I was on speaker phone at the time and let my family listen to how I was treated.)
She barraded me with bad comments and that I didn't want to pay the bill cause I was embarrassed, and that I was harassing her for calling her at work on a Sunday, 20 minutes after she called me. She said she was recording the conversation. She kept on calling me names; again I had witnesses to this. She finally hung up.
I am willing to make payment arrangements to CITI bank to solve this matter, and I have emailed CITI about her practices. She also threatens me that as soon as I get a new job, she will call me there and take my paychecks until the manner is paid. All she had to do was to make payment arrangements and the matter would have been resolved. She said that she wanted all the money by the 29th or else! I even spoke to a rep of CITI on or about the 12th of Dec, and he said that she couldn't do that.
Being that I am out of work for the last 6 months and have to care for a family of 5 on very little money, and have no home other than being with family, where does she expect me to get $3810.00? Payments sure, I can manage something. Obviously no one has taught her that if you treat someone with respect, you get respect in return. I have decided that I will no longer discuss anything with her in the manner of my issues, when she calls me again, I will talk about the weather or other things, maybe even the fact that she needs help from a friend, what ever she needs, but nothing about this account. I will always have a witness to her calls so when it goes to a legal matter, I have witnesses. Any other ideas?
I am also documenting every call answered or not on printouts.
Sure, there are a lit of liars out there, however, there are honest people like me that have fallen on hard times, that want to make good on debits.
Hoffman Estates, Illinois