Citibank settlement finally over...

I don't think you'll be in trouble for not telling them where you work. I think as long as you give a home or cell number you are ok. I know I don't want them knowing where I work!

I'm in customer service (not credit related) & that is DEFINATELY not good service! Even my worst experiences with creditors on the phone have been better than the one you had. Don't let one rep ruin an otherwise good customer service experience.

Congrats on paying Citi off!!

Wow Phacia! She sounded like one rude person. I'm glad you are done with them! There's always one bad apple in the bunch, and unfortunately you got the bad one. :(
But, on a good note, congratulations for getting them taken care of ! :)

Just as a note: I recently had to call one of my CC companies to verify a payment made by my dmp...I also got a very rude person who wasn't listening to me and I had to repeat several things and then she acted like I was the one not understanding...finally I said to her...hey...if I hang up and call back would I get another person who maybe isn't so rude??..She actually got quiet for a second, apologized (which has never happened to me before) and continued in a much nicer way.

I don't care what the situation is, If I get someone rude, I hang up and call back until I get someone a little nicer. I have paid off three old debts this year, so I have experienced both since it was over a period of time. When I found a nice one, I learned to ask for that person and only deal with them. They will let you do that if you insist on it. bottom line is they want their money so they should be a little more cooperative on their end. Don't let them intimidate you. No one needs to put up with attitude.

I agree Fed. Find someone nice & stick to them!! As a CSR, I actually find it easier working with the same customers over & over. At least you know & understand their issues whereas someone else may not.

I love how you fixed that rep Morning!!

My theory...you want your money? You better be nice to me!

Exactly, I don't think there is any call to be rude or ignort, most people don't intentionally get into these situations. It is stressful for the individual who is in debt, why add to it by being a jerk. I think having a little compassion for the person and having a little patience goes a long way, my boss always says, we are all one pay check away from being in those shoes. Could be anyone of us, Including the jerk on the other end of the line.

Do not forget to get that zero balance letter. I have worked on a few Citibank projects and I've head the story about how it was settled with Citibank when it wasn't. Please please follow up with this and make sure you do not forget to get that l etter. It is an important reciept that you should really hold on to for many years.

wow does citibank not sell to collectors?

No, they sell debts. They just don't sell them right off the bat. They do go into collections with a 3rd party before they sell them.

Those third party collectors will sue you the fastest, that happen to me with a capital one card. They filed suit with in 30 days, I worked out a payment plan but they kept good on their words about suing me, they just kept asking for a continuance until the debt was paid. A little of 3 months in continuance. They don't drag their feet that is for sure.

fedupina who was the 3rd party collector that sued you within 30 days? I'm stilling trying to figure out what this "180 day window "is that Bud Hibbs refers to often thanks! Also please inform did you actually owe the amount the third party was collecting on? I have heard so often that it is usually different amount than what was originally owed - thanks for info! :D

here's an update to my previously post.

so last week was 30 days from my last payment. I called up to request my letters. she gave me no problems and told me it would be sent out that day.

so today i recieved two letters,one for each account. I was super relieved. but i have some questions. here's what it looked like:(it was on there citibank letter head)

citicards account number ending in:(they listed the last four numbers)

dear phacia,

please be advised that the balance on the above citicards account was settle in full for the amount of ### (this number was my last payment amount) on 10/15/07.

we trust this information satisfactorily resolves your concerns related to you account.

first question: they did not list my entire account number, just the last four digits, i guess for protection. is that ok?

second question: does this letter have everything to protect me? i know it says my account is settled in full but i just want to make sure. since it did not list the whole amount i originally owed and how much i paid them.

I am so glad you got your letter. It is an important reciept. Put it in a safe place.

That letter is your proof of payment on this account.Do like FYI said and keep it in a safe place for a long time.

thanks everyone! I will be saving these letters for the rest of my life.

oops,forgot to login. that was me as guest