Damn... :mad:

That would be low, even for a CA. Let alone an original creditor the size of Citi.

What state do you live in? You should look here to determine your state laws regarding recording telephone calls. Then, record every call they make to you. One more screw-up like that, and you'll be on your way to file a report with your local police agency and the FCC. Leaving aside issues of debt collection law, threatening someone's life over the phone is a Federal offense. People can, and do, go to prison for that crap.

By the time you're done, you may find Citi paying you, instead of the other way around.

The OC's are generally bound by their state laws (or other governing law), which usually do limit credit and collection practices.

Citibank, having a national charter, may be moreso regulated by the Office of Thrift Supervision, Office of the Comptroller of the Currency or, more aptly, the Board of Governors of the Federal Reserve System. I'm sure whichever jurisdiction they fit into, there are laws that prevent them from using false threats, insinuating criminal process, or extorting. When they are breaking the law, yes, they will be held accountable.

Problem is proving it. Like Wolf said, you will most likely need to record them telling you these things in order for you to have a successful case.

record the conversations and calls, use thier money to settle the debt :)

And I was pissed that my OC was contacting me via post-cards which is illegal AFAIK...

Depending on what's on them, postcards can constitute illegal third-party disclosure.

Quote:

Quite frankly, I don't believe a word of this story about citibank. They are collecting on too many accounts to be concentrating on one person like this. Plus their calls are recorded and monitored and there would be too much of a paper trail (phone logs) for them to risk. A large chunk of the citibank call center is in South Dakota and collections is not even open during those hours. I could be a rebel collector which would not be citibank.

True words.

I'd be most curious to reverse-trace the calling number, or take some other investigative measures. Perhaps Jmoon would be good enough to provide us with more useable information in this regard.