I had a citibank student loan that defaulted. I get a call today for the first time from a lady from DCS with a phone number of 209-858-3612. She told me that I had a balance due of $6,900 and how did I plan to pay that today.
I told her I do NOT have an extra 6 grand laying around and could I set up payments. She said sure no problem she would just have to fill out a financial application.
So she starts asking basic questions about my income etc. When I told her I was unemployed she asked if I got unemployment I told her no and that my husband worked.
Then she started asking where my husband worked, a phone number for his employer, his income etc. My husband isn't even ON this student loan I got it before we even knew each other.
So then she goes on to asking about my mortgage balance, the value of my house, my monthly mortgage payment, who my mortgage is with. Then she wanted to know about my car. I don't have a car my husband and I share one and it's in his name. She wanted to know the make and model. When I finally asked her why she needed to know that in reference to a payment plan she told me that it was for asset discovery!
She originally told me that it was for figuring out if they can get me on a payment plan, then after I give her all this info she says its for asset discovery if they need to go to court. I was almost in tears. And THEN she asks for 3 credit references which they will contact if they can't reach me. I told her I don't have anyone I feel comfortable giving out information for.
She swore they would only call them if they can't get ahold of me, but I doubt that. Then she said I had an incomplete application because I refused to give her references but she will see what she can do.
She put me on hold for 10 minutes, came back and said that I can either settle for $4,985 or make a 50% down payment ($3,115) and then $100 a month until the bill is settled. I told her that isn't an option for me that I don't have that kind of money and then I was told that my account is going to review in 2 days (9/18) and that they will recommend to citibank more stringent collection activities begin.
Today is the first day they ever called and they are giving me 2 days to come with up at LEAST $3,000!! I told her there is no way and she told me to just make a payment of whatever I can and they will see I'm trying and maybe give me to the end of the month to come up with 3k. But even that isn't feasible.
And all this after she lied to me!!
She said she was filling out a payment plan app, but then got information for asset discovery. Isn't that illegal can she really lie to me like that just to get info??
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