i have an account with CITI that i tried for months to get on a hardship program with but because a portion of the balance was at a very low interest they either couldn't or wouldn't do anything. so i called a couple times a month, got same answer each time, and just couldn't afford what they wanted each month. so back in june i started getting messages from UCB (and the woman did NOT sound pleasant at all). I sent a debt validation letter to UCB, certified/return receipt, so i know they received it, and never heard anything back from them.