Citibank deposits a check eletronic without permission

check 739 of 150,00 for national financial systems,inc? who gave this check for national systems?check 795 of 435.56(deposit many times for national financial systems,was given by mistake for my husband (wrong phone number).but i forget to tell that account 412800214****** open in 5-91 and last activity in 5-95 was a citibank visa and was handle to national financial systems,inc.my sister -in -law told me the big fish always eat the little fish.maybe not,because some little fish never are eaten for the big sharks and they just take the dirty out and wait for more dirty to be removed.my husband told me a bad ,bad man in citibank is doing all these.i hope he is right ,like the price is right and we are the people that just are the little people or little ...

Tania,

I would suggest you verbal communication here too. You have to make sure if some one indeed is playing some dirty game with you or not. So bring the issue under attention of higher management. If nothing is of any avail, try to contact consumer protection office of your locality.

P.S. one personal suggestion: please do not post your financial secrets, like account number etc. in forums. Anyone with bad intention can use it and the charges would go to you. Best of luck for you and your husband.

the check serial was 795.the amount was 435.56.the date was 5-27-05.the payee was ltd financial.the reason was item disputed.in accordance with your instructions of 5-04-2005 at 14:06.we have placed a stop payment based upon the following information by you.check 795 amount;435.56 date 6-01-05 and stop payment request and letter from june3,2005.in accordance to stop payment instrucions you provided us with on 6-01-05.the following has been returned unpaid.6-03-2005-amount 435.56 check 795 returned waived.check account exceeded your available balance.specific information on each item as listed bellow.including the action take and the assessment of service charge of 30 dollars per item.if more than ten itens exceeded your available balance,you may received more than one notice.the itens exceeded your balance due to:insufficient funds in your account.the status of your account on 6-01-2005.starting balance229.60 and available balance is 229.60.amount was exceeded available balance(part of his disability check from social security.itens presented/other withdrawals 437,91 and amount that exceeded available balance -208,31.

Under CHECK-21, any bank may electronically present a check for payment, and specific authorization from the customer is not required. You signature on the check (or verbal authorization for a check by phone) is considered adequate.

For an example, you write a check at the grocery store for $300.00, they deposit it to their bank. Their bank may electronically present the check to your bank for payment. As a result checks are clearing faster than they did previously.

Additionally, many merchants have begun to electronically present check directly. Also allowed under the same law. You will know if a merchant is electronically presenting your check as they will scan it, and return the check to you. If a bank electronically presents the check they do not have to return the check to you.

It is always a bad idea to give a check by phone to any creditor as payment for an account which is closed, or is in collections.

When you do this, you are giving them all the information they need to debit your account at any time for any amount. You should always make these payments only with a paper check or money order, and preferably sent CMRR. This will help to establish an irrefutable paper trail that payment(s) have been or are being made.

thanks clay but my husband is mentally ill and blind.he dont allow me make checks from him or control his finances.he speaks like a american he is a cuban american citizen that grow up in new york city.people knows his situation and abuse him and i just find out now a 816.33 check eletronic give by him in march,2005 to pay national financial systems,inc the account of citybank past sol and after that they deposit many times in june a check 795 for 435.56 (with a stop already) and this is a check 770 of march 10-2005.pay to a order national financial systems,inc 816.33citibank fsb miami florida and they are doing a very illegal thing.i cannot control my husband but i have proof he is a very ill mentally ill and blind . i cannot control my husband and i can control abuses against him only with the help of this forum .thanks all of you of debtconsolidation care for really care for all of us that ask for help in this forum.

pay to the order of national financial systems 200,00 dollars,citibankfsb miami Acc.***************,florida and behind of check:for deposit only national financial systems,inc trust account#2 citicorp(both checks 770 of 816.33 (march 10-05)and769 of 200,00feb.23-05 are from cashier 2 #account trust citicorp and i have here check 762 from my husband 2-09-05 deposit 60 dollars for this account a check he wrote(was a mess) and dont put date and asking to me put my finger in the line, but he wrote account number and i have others payments here.i say cashier number 2 because they can do whatever they want ."for deposit only for NATIONAL SYSTEMS
Account number deleted for your safety-Vikas

From your last post, Citibank didn't deposit the check, National Financial Systems deposited in their account with Citibank, and Citibank presented the check for payment. This is a important distinction to be made. Citibank merely did what they were supposed to do. The people that may have engaged in questionable business practices are NFS...

You should contact your bank and explain the situation, and ask their assistance. You may also want to contact your state attorney general for assistance in enforcement of applicable federal and state laws.

AS to your husbands condition, I am sorry to hear of his illness, and the hardships it is causing you. I realize what I am about to suggest is a delicate topic and I don't wish to cause any grief, but there are some legal remedies which you may be able to pursue to help alleviate this situation. You should contact an attorney for advise in this area. If you post your location (city and state only), maybe someone could help to find some legal resources)

dear customer:enclosed you will find one or more checks missing from a previous monthly statement.these checks were charged to your account,but were not include with the statement on which they appeared.we applogize for any inconvenience caused by this situation.sincerely,moises chaves.clay i want to ask you if is correct they not include in your account statement this checks? i just find this letter here,from citicorp NCP STATEMENT RENDITION and address is US service center pobox 769013 san antonio tx 78245-9013 date:1-08-2004.whAT IS THAT?WE LIVE IN FLORIDA.

new visa of citibank (citi ..
premier card)of my husband 3-07-2005.your total balance is 3443.71 and minimum amount due is 1264.71.
in may 13 -2005 he paid 1500,00 with discover card to this visa .they told him if he didnt pay the fees will be very high.in the same time we have problems with ltd 77074 and national financial systems.

acc# **********65583 check 670-10-01-03 for 200,00 dollars and check 666 of 10-02-03 of 50 dollars for acc#**********65583.this is only for show that i just have all checks here.the check 666 was in the statement and dont say nothing about the payment of this visa.i had here more checks of 2003,2004 and 2005 and the balance(3000,00+) is not definitive yet.i didnt find all months of 2003-2005 and i m sure i have everything here.i dont understand why citibank never send a letter to show payment of this visa . in the statement only show the check number and the amount paid . FA financial center cibank transation deposit you paid 60 dollars to visa xxxxxxxxxxxx65583-feb 9-2005 03:08 pm and i have FA FINANCIAl; CENTER IN 2003 150 dollars transaction you paid. to visaxxxxxxxxxxx65583.the problem national financial systems inc is not fa financial center and i konow he pays fa financial center many times in the citibank and national financial systems was send letters here since 2003 and ...the number 3 is a /\(triangulo.

Account number deleted for your safety-Vikas

card service center pobox 142319 irving,tx 75014-2319. letter from january 5,2005.account ************65583( from 91 and last activity 1995).
dear tania alvarez:recent amendments for fair credit reporting act require us to notify you of the following important regarding credit report:WE MAY REPORT INFORMATION about yourACCOUNT TO CREDIT BUREAUS.LATE PAYMENTS,MISSING PAYMENTS,OR DEFAULTS ON YOUR ACCOUNT MAY BE REFFLECT IN YOUR CREDIT REPORT.WE APPRECIATE YOUR BUSINESS.SINCERALY,S LARSON.CUSTOMER SERVICE.FEDERAL REGULATIONS REQUIRE THE STTEMENT PRINTED ON THE REVERSE SIDE.


Account number deleted for your personal safety - Vikas

JANUARY 30-2005 AND ACCOUNT ***********5583( LAST ACTIVITY 1995).DEAR TANIA ALVAREZ.we recently mailed a letter to you incorrectely indicating that we have report or may reported or may report about this account to the credit bureaus.this letter was send in ERROR.....SINCERELY,S.LARSON CUSTOMER SERVICE CITIBANK (south dakota)na po box 6500 siox falls,sd 57117-6500.THe LETTERS FROM CITIBANK WAS FOR ME AND was my husband blind and mentally ill that fear them and has overpaid citibank for more than 3000 dollars!!!but im perfect lucid and i didnt put this letters in the forum of debt consolidation care by error and im not a person of two faces and citybank or any one like national financial systems ,ltd 77074 has to be stopped because they are abusing people that cannot defend themselves.

Account number deleted for your personal safety - Vikas

ford citibank visa visa with no annual fee statement closing date of account 11-04-97 and payment due date 11-28-97 xxxxxxxxxxx65583 and 10-06 payment thank you -70.00 and 11-04-97 over credit limit fee 15.00 and 11-04 advances finances chargexperiodic rate 13.39.new balance 2087.90.driver's edge visa with no annual fee account xxxxxxxxxxx65583 and statement closing date is 3-05-98 and payment due date 3-28-98 and new balance is 2133.60 and 2-09 payment thank you -60 dollars and15.00 over credit limit and advances finances charges 12.13 and this visa in OCTOBER 27-1998 the balance is 2349.73 paYMENT 75,00 thank you and late fee 15,00 and over credit limit fee 15,00 and charge periodic rate 12,16.and a letter july 2-1998:dear customer i write to express my regret that one or more of your checks could not be include in your statement.these checks were inadvertently misplaced by us after they are charged to your account.however,to help you reconcile your check book,the missing checks are listed bellow:Check number 209-60,00 date paid 6-10-98.i apologise for the inconvinience caused by your inability to provide this checks to you.we will continue to look for them,and if they are locate we send them to you.we apprecitte your business.moises chaves,assistent vice president citibank .account services po box 5870 grand central station new york,ny 10163 and citybank account services ,na. and citibank F.S.B and citibank new york state.i just find a check of 25.00 dollars here for this account 4128002143565583 and is a check 592-sep 16-2002 that my husband wrote and put this number of this account above in this check and behind this check they say:credited to the account of within-name payee.absence of ENDORSEMENT GUARANTEED CITIBANK,FSB SEP16-02.THE PROBLEM IS I NEVER USE THIS VISA IN 1996 BECAUSE I WAS IN FLORIDA AND they send statement like i use this visa.i just find this papers here and i want people always keep and look their papers.3-5-98 they say this account is a driver edge visa and "every time you use your card"how can a use a visa that last activity was 1995?the name of my visa was citibank visa************65583 andthe equifax of may 28-1998 says :last activity is 5-95 and balance is 2141,00,date opened is 5-91 and is not a driver citibank visa or ford"s citibank visa .if im wrong i need anybody explain this mess for me.

DUPLICATE COPY CITI DRIVERS's card charter rebates and ac#***********5583 and payment due is 9-27-01 and is 3535.18 and payment is -30,00 late fee is 15,00 ,overcredit limit is 15,00 advances finances and 11.58 charges periodics rates is 46.39.help is available and call tollfree- above-1800-756-4000.account sumary 2.813,61 and advances 663,60 this is 9-04-2001 and i have here many copies (7) with cash advance and this account is last activity is 1995 and i think i have a identity theft here inside the citybank and with advances taken from this account673,05 in11-27-01.665,14 in 10-03-01,647,87 in5-03-01,657,66 in6-04-01,656.70 from 7-03-2001,663,60 in 9-04-2001.i have 7 copies of duplicates and i dont have this account in any equifax here and last equifax credit file this account appears was may 28-1998.can anybody uses a account last activity 1995?if i send this copies to the citibank ..............................


Account number deleted for your personal safety - Mike

i go to see when i can send for debt consolidation care the false copies duplicates i have here and a copy of last activity of this visa in 1995..some rackers that work inside citibank invent a new visa for me and my husband was paying them for years.i m sure the people that was charging him this visa knows everything and national financial systems inc is cupable.too.

duplicate copy 5-28-01 and statement closed date is 5-03-2001. new balance 3341-59 and minium amount due is 3341.59 of account **** **** **** 5583 last activity 1995 and last equifax report may 28,1998.citi driver edge card charter rebates (?) and they send this papers to my husband blind and they sure know that.the worst problem is that my husband hiding this papers and only now i found everything.i took copies already for send to debt consolidation care and i go to put on the mail,today.i want help other people and is sad how citibank employees people of this category.people that are stealing from poor people,blind,mentally ill or with disabilities.many people poor is been robbed because this people dont steal from rich people because the rich people send them to prison.

Account number edited for your personal safety - Vikas

my husband goes every time in bayfront citybank .i'm not accused nobody there and i think anybody received many checks he did and decided to robber him,because he make terribles checks and they saw he was blind.NATIONAL FINANCIAL SYSTEMS,INC knows about the false statements and robber my husband like them.i never believe people can do a thing like that.they have a stone in the place of a heart.i send all the papers for you Vikas,mike,stan ,brian,rouxette and all people from debt consolidation care.I HOPE YOU RECEIVED IT,already.it is good for me to learn this lesson because is my fault because i didnt checks his papers and i never imagine that some people is so AMBITIOUS AND DISOHNEST that until the poor,the blind,the mental ill they robber!

i need to complaint about some citibank employees and other day we try to complaint about some people inside citybank doing false statements and open a new account with a number of a expired account and use other names for this account*************65583-5-91 to 5-95 (ford citibank visa and citi driver's edge card charter rebates-2001?my husband gave the number of this account and my social security and the lady of customer service in citibank came back and hang up the phone and did not answer my husband. if you send this papers to citybank they go to put in the carbage.i just told my husband that i found some papers in his drawers with falsification of account of 1991-95 with(2001 fraud date).in 2001 this people was using this account in my name for robber him and make he pays for they take money of my account(more than 600 hundred dollars a month for 8 months).he was telling me that people from citibank never wanted to stop to charge him this account and he wants a letter from citybank telling he has paid them already in full and they never send any letter to him.i didnt send this papers for attorney general in florida and i think now is time to send this papers.i have to make a complaint report about some people in citibank that friendely some debt collectors from national financial systems,inc telling lies and robbing for years with false statements a poor man blind and mentally ill that lives with a social security disability check .citibank and national financial systems,inc are together and i think i have to complain with attorney general of florida, too.stan just told me other day in this forum i have to complain to attorney general of florida.stan is one of my guardian angels in this forum.thanks stan.

dear tania alvarez,please be advice that the above referenced citi account was settled in full on 5-30-05 .this information has been provided to the credit bureaus.i trust this information satisfactorily resolves your concerns related to your account.(***************65583 citibank visa).sincerely,dana perkins recovery representative,citicorp credit services,inc(USA)1888-8912873 and fax1816-505-6241.note:whenever more than $600 of a debt is FORGIVEN as a result of settling a DEBT FOR LESS?!!!THAN THE BALANCE OWING.WE ARE REQUIRED to report the amount of debt FORGIVEN to the internal revenue service on 1099c form,a copy of which will be mailed to you.this debt was settled in 5-30-2005 ?what this people wants reported in the credit bureaus if the last report in this account is in may 28,1998(equifax credit file).I WANT TO SEE IF THEY GO to report account ************655583from5-91 -95 that was open again by some hackers in citibank in 2001 with two differents names(GHOST visa) and i have the real visa citibank here from 1991.my husband keeps a collection book with all visas expired.

checking activity says checks paid: check 795 of 435,56 paid in 6-01-05 and check 799* of 225,00 was paid in 6-02-05.the problem is big than seems.citibank never send to us the copy of this checks.what happen with the money and the checks i dont know but i just believe they laundry it.

identity theft is a crime.the account ********5583 -91 was using for some bad employees in citibank in 2001 and i just send to equifax all falses duplicates here and the three credit bureaus equifax,transUnion and experian are putting a fraud alert in my credit reports.i just send your letters to the credit bureaus and really citibank cannot say that go report me to credit bureaus because they know everything that happen with this account.i have the duplicates here to proof that only me,Tania alvarez can report citybank and national financial systems to the credit bureaus.this is for you too,ltd 77074 because i just report the true and im not a LIAR!!!

Tania,

About the checks that were taken from your account electronically, most companies are doing that now instead of depositing the checks, they ask for electronic transfer..then they destroy your check. That is why the check does not come back in your bank statement. Your bank still keeps record of the electronic transfer though, so you can still get a copy of that and it will have the original check number on it. I know if you read the fine print on some credit card contracts/statements it will explain all this. This has all started because of people "floating" checks....they are getting tougher on people that do this, and are trying to prevent it. Even some convenience stores and retail stores are doing electronic transfers now. My Dillard account is like that, I mail in a check, they get the money transferred electronically, then destroy the check. This is perfectly legal now.

thanks, guest but the problem with this people that robbeD my husband was inside in citibank and this checks i'm talking about is not common checks because you put a stop in it for a year and they tried collect many times and check 739 and check 795 wasn't supost to go for this account and my husband pay fees of 30 dollars many times and the stop he gave in this checks was invalid.i had send to debt consolidation care some duplicates with identity theft in this account ****5583 and just now i found *other false duplicate here with other account number in my husband 's name (i have to investigate this account too,from citybank) inside a envelope with address po box 6500 sioux falls,sd 57117-6500 usa *and i found some payments(2001) in checks (my acc****5583) here from my husband that is blind,mentally ill and get a little money from social security DISABILITY.the problem is if people that dont suffer any disability are robbed and abused in this days imagine a person that wants to fit inside a society AND try hard to pay his bills and some bad employees inside citybank or some debt collectors like Ltd 77074,National financial systems ,Academy or others that really dont care if you are what you are OR if YOU DONT get anything IN your POCKET OR IF YOU LOSE YOUR VISION AND YOU CANNOT SEE WHAT THEY ARE DOING WITH YOU.i feel very sorry for people that tries to fit in society and try every day to have a place in the sun when the sun always for them will be a hope of a better day tomorrow.i have a million reasons for tell things in this forum.i dont believe people bad deserves to pay only going to the court.many people good goes to the court and is difficult to see justice for them .when good people is robbing for white collar people(identity theft) is a very serious crime and many people are been robbing:- the rich,the medium class people,the poor and the poor people with disabilities that sometimes cannot see because they are blind or understand because they are mentally ill ,like my husband.i just want to say again thanks to this forum of debt consolidation care for give me the oportunity to learn many thinks each day and sincerely thanks everyone of this forum because "angels of dark" just cannot be greater than our "guardian angels"or GOD.

i dont understand this credit profile TRW IS UPDATE6-10-91 AT 08:19:22. CITIBANK PREFERRED VISA ACCxxxxxxxxxxxxxxxx STATUS DATE 4-91 AND DATE OPENED 2-90 AND LAST PAYMENT IS 4-22-91. IN nyc and accountxxxxxxxxxxxxxxxx false duplicate copy for my husband now,payment due 5-`17-99 and statement close date is 4-23-99 .i just cannot believe this people and i never look his papers because... is unbelievable what i see now.i go to send copies for debt consolidation care and my husband was paying for them.i see a 100 dollars payment here.new balance is 2684.86 in 5-17-99?total credit line is 5000 and cash advance limit is 3000.purchases is 1196.19 and advances is1588.67.other identity theft with account of my husband in citibank and i go to report this too.

Account# deleted for your safety-Mike

Tania,

If your husband is mentally ill and blind then there are things you can do to protect him. I have read almost all of your postings here and it is starting to sound to me like someone has taken your husband's personal information and is playing with it. There is no reason to have so many things happening with credit cards and bank accounts so closely together. I suggest you do these things that I am about to list.

(1) Get a credit report and check every thing that is on it, call every bank or credit card you are having trouble with and find out the facts and have them send you information on it.
(2) Get put on his banking and credit card accounts and make it so no one else has access to any of it without your permission, also called a Power of Attorney (for finances).
(3) Get checks that have a carbon copy to them so you ahve on hand a copy of every check that is written (to who to was wrote to, the date and the amount).
(4)If your husband is blind people WILL take advantage of him so it is in both of your best interest to lock all your credit cards, checks and statements with PERSONAL INFO into a key lock box or some with a combo lock. I know he is blind but this is for his protection.

kitty i really wants to do everything better for him.i believe now i'm taking care of his accounts without power of attorney.the power of attorney is the best way to finish with this abuse against my husband and he received so little money and he was telling me always many people was stealing money from him.after he get blind he was telling me that some citybank employees and some debt collectors was stealing all his money and many people was robbing his accounts.i just stay angry and i'm not more in his accounts .after i find this forum everything change here.(i didnt support the abusive calls of ltd 77074 to my husband and i look for help and i found this forum )he just told me about his visa from citibank and i'm better believe him and i go to send equifax to investigate more things here.some visa he claimed was old 88 year came every month hERE LIKE BRAND NEW FRESH 2006 AND I HAVE A STATEMENT HERE FROM 1-7-98 WITH THE SAME NUMBER AND ANOTHER NAME .MY POWER OF ATTORNEY,KITTY IS THIS FORUM OF debt consolidation CARE because many bad people just fear this forum and fear all the truth of my words.

My mom and I had an account together. She primarily uses it. When she became disabled many years ago, she stopped paying on it. finally a judgement came through. they were garnishing my wages for the debt until may 2005 when i got laid off. i started working in 8/05. well, just in march of 06, the court seized my checking account and has wreaked havoc on my life. Citibank and the atty they hire are rotten little crappers! I hope you do not live in NJ The law firm they use in NJ is PRESSLER AND PRESSLER. When they seized my account last month, they wanted me to not pay my utilities and pay them first, you know blow off rent, so i should become homeless. I don't think so.

hi, jimid1969 i lived with my husband 13 years in nyc and i live in miami for 10years since 1996.the little crappers just are thinking that they go get away with everything they are doing.now i go the report many people and if they dont like is their problem and go to be my pleasure tell about them. i just know i have here all the proof against them.equifax 2000 in my husband"s credit file of 2000 that says that account4128 ******209 is from 88 and last activity is 7-95 and i have statements here of citibank from 2003,2004 and 2006 that arrives in my house every month ( citi premier card with over credit limite fee 15,00periodic rating 12.15 and finance periodic rate of 40.35 in 2004. in 2005 this people has call my house many times telling my husband if he dont pay the fees go to be HIGH AND BELIEVE ME HE USE DISCOVERY CARD AND PAYS THIS ACCOUNT 1500,00 IN MAY 13-2005.THIS PEOPLE CONTINUE TO SEND THIS BILL HERE.I PROMISSE I GO TO SEND MANY COPIES TO EQUIFAX FOR INVESTIGATION and i just ordered 2006 credit file for him and for me.the first copy is free of all 3 bureaus if you is unemployed or having difficulties with your credit or everything has change in your life with financial problems or if you are welfare recipient.sorry about my english,i'm relly nervous,

CITI PREMIER VISA 4128...........02.. STATEMENT of 3-10-2006 is new balance is 1902.85 minimium due is 39,00 an finance periodIC RATE IS 32.11 FOR A ACCOUNT THAT IS ONLY 18 YEARS OLD.

pay to the order of "citi visa " acc.4148****** 2o9 check 927- 8-20-93 of 100,00.chemical bank 93-01 northern boulevard jackson heights,ny 11372 and i have more checks here (5 of 100,00) and this bank is not more in jackson heights but i have many checks paying this account and other accounts ,too.

dear jonh doe:thank you for your recent Variable rate checking plus application.we regret to INFORM YOU that you are unable to aprove your request for the follwing reason(S):-PUBLIC RECORD(s) ON CREDIT BUREAU.IF YOU SITUATION CHANGE BLA,BLA,bla...contact:equifax . i just did and i' M LOOKING FOR answers about accounts and in special one account of my husband that was not in recent credit files but in remote credit files.make your game and believe me the situation of my husband is reversing now and i waiting for his credit files to came.i go to tell the credit bureaus everything.

i have a copy here of 1500,00 payment for this visa of my husband(18 years old)and statements of 90's to 2006 COLLECTTING ALL TYPE OF HIGH FEES and i just have here in a statement of 2004 with purchase of 9-06-2001 .is it possible?how came a purchase take 3 years to be charged to a credit card?2001-2004.only in the statement of my husband a purchase take 3 years to be charged and I DIDNT BOUGHT NOTHING in "rooms to go"(furniture store in miami). I HAVE IN THE same page ltd 77074 frustrated attempt to collect 1300,00 to discover card(MAY 2005) and citibank successuful got 1500,00 dollars payment to citi premier card i just get the number4124****209 from 88 to 2006.LDCCRB01 0006237 MAY,13,2005.JUST ASK DISCOVER FINANCIAL SERVICES.

check 201 0f CHEMICAL BANK OF 100,00 IN 4-20-90 TO PAY A CITIBANK VISA 88-2006.THIS VISA IS aLIVE AND NEVER GETS OLD IN THE CITIBANK.I THINK THIS VISA needs to go for a book of records of the world.

equifax 2006 and account forever 0209 of 1988 -2006 is not found in the credit file of my husband john doe.the statement OF MAY 2006 is caming in the mail and is INCREDIBLE HOW CITIBANK have a courage to send statements here for 18 years to a person that cannot see because since 10 years ago he has became blind. shame on you ,citibank !

this account of 88-2006(citibank) never got the sol because my husband is paying citybank for 18 years and a poor man doesnt get poor or blind because he wanted. he is a really poor man that only have many statements-88-2006 and only a checking account with citybank(with social security disability income.i know he has this credit card *209 in his collection book of credit cards.i"m just looking for enough evidence to send everything to equifax.i found checks here from 88,89,90,91,92 ,93,94.95.96.97,98.99.2000.01.02.03.04.05-06 ( a lot of PAYMENTS IN 100,00)and a big payment in 2005 for visa 0209 paid with discover card(1500,00).i HAVE STATEMENTS HERE,TOO AND MY HUSBAND WAS telling me that with all the fees and finances charges ,late fees ,etc maybe this visa took from him about 20.000 dollars and i believe that a visa of 5000,00 took a lot more than that.i think citybank is doing this with more people.people that dont know nothing about sol or credit cards.before i find this forum i did know nothing about many things and believe me i was blind too.thanks debt consolidation care members for help me and HELP all the people that look for help in this forum.if i"m wrong in anything please i would like to be corrected for my guardian angels of this forum.if any bank,collection agency(like ltd 77074)tell that because me they go to sue debt consolidation care ... only TELL ME and i'll send to debt consolidation all the proofs i have here against them.

i have a jc penney card from 92 that i'm using and i have no problem it this card.my balance is 700,00 and credit line is 3300,00.my problem with citibank visa of my husband is a visa that citybank closed AND IS EXPIred and you cannot use. .i just received a statement from citibank may 3-06 with a checking account of my husband mar 27- april 26-2006 telling him that regular checking he has 4.56 and savings 1,05 and credit cards (premier visa)as 4-1-06(88) he has credit line of 2.250,00 and amount available is 375.54 aND AMOUNT YOU OWE IS 1874,45 AND I DID RECEIVED YET a credit card statement from may 2006 and i think that if you dont have a credit card in use this people from citybank are not telling the truth because you are not making any purchases and they are charging all types of fees here(for many years without a credit card to use!)i send everything to equifax and i need send more things to equifax because YOU DONT MAKE ANY PURCHASES AND THIS card since 94 0r 95.this account is VERY ILLEGAL and equifax told me send many papers to them because equifax people cares about people and they like to investigate and reinvestigate illegal things.i just love equifax and debt consolidation cARE!!!!

i have more things to investigate here.this is a GOLD VISA FROM CITIBANK FROM 88 AND IN 1997 WAS IN 0 (ZERO)BALANCE.GOLD VISA 4271-3826-2036****726 AT 7-24-1997 OPENING BALANCE IS 0.payments 0.purchases 0amount available 615.14 and payment due is zero.(i have many checks here since july 97-98-99 etc... paying this account with 0 balance )he didnt use this visa and in march 3,1998 RSI(SUBSIDIARY OF CITYCORP) SEND A LETTER TO MY HUSBAND WITH A BALANCE OF 3784.86 (1998).I SAW MANY CHECKS HERE FOR PAY THIS ACCOUNT and this account was in 0.i need to find more papers here because this people abused AND ROBBER MY HUSBAND.RSI LETTER IS LIKE THIS:'FAILURE ON YOUR PART to make this payments on time may result in OUR DEMAND OF THE ENTIRE ACCOUNT BALANCE.ms,JOHNSON ACCOUNT MANAGER OF RSI PO BOX 23070 ALBURQUEQUE NM 87192-1070 AND SEND PAYMENTS TO RESOLUTION SERVICES,INC abpqmm pobox sioux falls,sd 57117-6076 and MY HUSBAND TOLD ME THIS ACCOUNT HAS 2 BALANCES and i just was think was his imagination and this account has 2 balances. i have a c.d.s.i urgent payments telling him "make sure you have sufficient funds in your account on that date to cover this check.a check of 315.06 that they deposit for a account that i m not find here and signed sincerely c.d,s,i.ADDRESS 111 sylvan ave englewood cliffs,nj 07632 and i go to send more papers for equifax TO INVESTIGATE and copies of checks, too.

"dear john doe:the disputed citibank visa account number 41280022012******* is currentely not reporting in your credit file.my husband john doe has received many statements of this ghost account for 18 years and received a statement last month may 2006 and i want to know if is legal this type of abuse with customers and if is legal citybank charge all the fees,LATE FEES AND FINANCE CHARGES here in this account not report and totally unknow for the credit bureau equifax and others.

www.occ.treas.gov/customer.htm and you can reach OCC by the telephone (`800) 613 6743.
"thank you for bringing your complaint regarding citybank to the attention of florida attorney general Charlie Christ.often is only from correspondence from concerned and responsable citizens that this office becomes aware of widespread consumers problems."
the office of comptroller of the currency(OCC)IS an agency of the united states that controls all national banks and he told me to call them.he told me like benjamin and stan had told me in THE "stanley blog"and "you may wish to consider consulting a private attorney for a determination of any legal remedies that may be available to you."sincerelly,office of citizen services,florida attorney general's office.

Tania,
just a thought for your benefit..Why don't you register with the site? If you do a counselor will call you and could help you with Citibank, plus you'll earn money while posting. You can't beat that.

finsfan 13, i agree with you a 100% and i admire which one of you of debt consolidation care.my problem is my husband that is mentally ill and became blind.i havent no more accounts with him and is because he uses our cards for pays old bills.now he has new bills because the old bills make he overpaid them.i really wants to tell the world the truth,like Vikas says and tell in this forum of debt consolidation care all dirty tricks some debt collectors
Ltd 77074,academy,nfs(nco)etc and some banks like citybank and bank america and some credit cards like the capital one SO NICE ...AND OTHERS ARE doing with people when they are poor or cannot understand abusive treatment or excessive stealing from their pockets.yesterday i went to citibank with my husband for deposit 75.00 and he was in the line alone,the man(cashier) saw he was blind because he went for a different side and he had to call him for his window on the bank.my husband gave 75,00 for deposit and the man(cashier) ask him how much did you give me? he was(the cashier) with the money in his hands and he is not blind!i just arrived near my husband to tell the cashier of citibank he gave to you 75,00 (i counted this money two times).if was me i close my accounts in citibank and bank america. if was me i didnt pay the citibank 1840,00 of a credit card that is not in my credit report for years and i didnt use because the credit card get expired a long time ago.(antiques are in the museum).other thing citibank continues send statements of this ghost credit card here ***********0209 of my husband and if was with me was different.thanks very much Finsfan 13 i really dont know how i can repay one day all the help i have received from all members of this wonderful forum.

You're welcome, Tania. I'm not sure I understand why you don't want to sign up, though. This is not an account, it won't cost you anything, I promise you. And the money you make here you can do whatever you want with.
I am really sorry for the troubles you are having with citibank. This can be a wonderful place for you to vent.

OCC july 12,2006.i received a letter from OCC(OFFICE OF COMPTROLLER OF THE CURRENCY)."THE office(occ)received your correspondence,which was fowarded by florida attorney general ,on your behalf.i have to get authorization of my husband because is his account.they call here already from departament of home and children to ask him about the letter. he never send the proofs.i send proofs and i go to send my account ****5583,too.(with more proofs and false duplicates).i have 30 days to send this letter of my husband ."a brief authorization signed by the owner of the account is sufficient."My husband lost the vision and dont write in braille and i'm sure he wants justice .
"provide a more detailed explanation of your complaint and what resolution you are seeking from the bank."DEBRA BAKER customer assistence group ,Team Manager.cc Florida attorney general.

citybank didnt send the statement of the account of my husband(checking)from this month(SEPTEMBER,2006).citybank is telling to us that cityBANK IS THE ONLY LAW AND CITYBank is not worried with attorney general of florida or OCC.

in my EQUIFAX credit report of 2006 i have few accounts.I NEVER ASKED FOR bp or shell credit card from citibank.i dont drive a car.i dont know to drive.i know to drive a bicycle.if my husband in 1991 have a shell card or bp card and was a joint account...why these people never asked ME if i want these cards? shell is sending bills in my name because ???!!!!my husband has a 1984 broken car in the garage and has retina pigmentosa in both eyes a incurable eye disease.his mental ilness get worst
and i dont caRE IF CITIBANK SHELL BP AND OTHER NAMES
get angry with me.CITYBANK KNOWS THAT A MENTALLY ILL AND BLIND IS a easy prey.citibank south dakota collections citicorp really are not worried with a human being.in the letter shell citicards send to me:
"thank YOu for your recent PAYMENT.WE APPRECIATTE YOUR EFFORT TO KEEP YOUR CREDiT CARD up to date "datE".MINIMUM PAYMENT IS 136,00 AND IN ANOTHER LETTER IS 186,00,FULL PAYMENT IS 1182.46."WE WILL asK
YOU TO authorize the cheking account number and check number,,," "it will only a few minutes AND WILL sAVe yOu PosTAGE ,TIME AND MoNey ."(SMART MOVING)i dont work because i have to take care of my husband.my husband is the one that have a disability check of 600,00.i have food stamps of 136,00 now because my husband just get a increase of 5 ,00 in his food stamps.he is paying shell card for 1991-2006 for 15 years and is time to STOPed the abuse against my husband.I NEED TO TELL THE WORLD THE TRUTH.*enjoy all the benifits of your ACCount".the benifit of which account?????!!!!!

the letters are sending in my NAMe but my hus-
band is the one that uses this card in 15 years
since 1991-06.my husband really didnt enjoy
ANY benifits OF sheLL CREDIT card because he became blind and he stoped to drive years ago,i think he stoped to drive in 1991 ou 92,because his vision degenaration.when he takes a 20,00 sheLL CITI
CARDS WANTS ALMOST A 200,00 .THE BEnifiT FOR
sheLL CITICARD = 20,00+2.50=22.50 atmIS 20,00X 10 10 times more. 10 TIMES MORE.
IF yoU HAve a CAR AND DONT usE A caR FOR MORE THAN A DECADE.Be AwaRE wItH THE BEniFICIAl sHELL CITI
CARD viSA.

THIS LETTER CAMES FROM THE PRESIdent,citibank
(SOUTh Dakota)NA.SINCERLY KEn s.
"garden state life is only for cover the real
motive of this letter.they know i cannot afford
to pay this insurance.if citibank south dakota
wants to give me free this life insurance I
accept ImmediaTely.i think citibank own this
to me (tania Alvarez and my husband )."TO
IMMEDIATE RELEAse to SHelL CARD memBERs"from
SOUTH DAkotA KEN STORK PRESIDENT if you
give me free a 150.000 death benifits I ACCEPT
IMMEDIATELY YOUR GIFT.

IS IT POSSIBLE?IF CHASE BOUGHT THE OLD ACCOUNT of my husband since 1993-06(BP-citicards) and in the card the old number cannot be changed because is not in the credit report.chase send a new bp card (today-12-1-06)since 1993 to 2006 and is with another account number.the number486*****(93-06)is changed for 4227*******(93-2009)i saw when a bank buy other card and they never change the old number that is in the credit report.please anybody explain to me if is possible a new account card with a wrong number of account and is not a new card because is the same date of the old one.I hope anybody can explain to me if is right
create a new account when you have only 251,00 to pay it.i didnt show my husband yet.i'm my husband's eyes and what he cannot see i see.
BP 486****CITIBANK SD 8-93 5-2006BALANCE AMOUNT IS $251LAST ACTIVICTY 5-2006ATUAL PAYMENT IS 15,00 SHEDULEDPAYMENT IS$10,00.CREDIT LIMIT 1.225,00.
NEW chase bp account 4227 credit line 1.225 cash access 1,225 the new card bp chase is from 93-2009.i think is a very illegal transation here.
old bp 0406- with 48612***************and new card chase is4227651*****card member from 1993 good to 5-09.is this right????credit line for gas is 1225 and cash is 245.this people send a card and a problem here.

CREDIT LINE IS 1.225,00 FOR GAS?245,00 CASH ACCESS
LINE IS $245,00.1800-230-4238.CHASE BANK AGAIN give
a card to my husband and this bank take us to court for a lie of 2 times more4000,00x2=fees with the help of the academy.my husband cannot drive now.i drive only bicycle .

i found a letter here before received a chase card with a new chase number and i think my husband was finished to pay the bp account 486125************
(bp citibank )and citibank and chase created a new account for him.they want a private account with him.i dont think bp chase goes to put the new number in the credit report of my husband.
this new card is lost in the mail or never go to be used for my husband!!!i go to send to equifax this papers.i dont think CHASE or citibank go to report this new number of Bp Chase to credit bureaus and my husband told me he needs to close small bills
and is no money now.
if i"m right CHASE AND CITIBANK WANTS A PRIVATE account with him and the old account of bp is expired in 4-06 and last activity is 05-06?maybe the new account number is a private account for take more
money from a poor man blind and disability.please tell me if i"m right or wrong?i go to copy this and send to equifax and the new bp card with the date of the old one 93-96is 486 125 388* **** citibank and the new card is 4227 6510 17** **** bp chase with the same date of 93-2009.please is this legal or illegal?
citibank , chase and LTD 77074,etc... before did many illegal things to
my husband but after i found debt consolidation care forum and i have found help from the members of debt consolidation care always.i have learned a lot
every day and night with all members and Vikas is really a great man and because his heart this forum
is a forum of justice AND ONLY PEOPLE WITH a good heart are members in this forum.
i want the best holidays for all of you and many victories and many years of happiness with your families and friends.i hope the united states of america government give a medal of gold to each of you one day.sincerely,tania alvarez