If Citi is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. Did Citi continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and a potential case under the EFTA. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Citi, like most collection agencies, wants to set up recurring payments from consumers imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If Citi took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.
You can receive $500 per call if Citi violates the TCPA. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long.
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While it can be difficult to get a fair chance in arbitration, the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by banks and big businesses. have arbitration clauses, which means that if you have a complaint against that company, you must file your claim in arbitration. Nowadays, most original creditors, credit card companies, etc. If you want to know just how unhappy consumers are with this card, take a look at the number of complaints consumers have made online. Here are some phone numbers Citi may be calling you from: Like many creditors, Citi may use many different phone numbers to contact debtors. The customer service telephone number is 80 and the main website is. Citi’s Address, Phone Number, and Contact InformationĬiti is headquartered at 399 Park Avenue, New York City, NY 10022-4614.
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If you are being harassed over this credit card, contact our office today for a free consultation. Bean purchases, 2% at restaurants and gas stations, and 1% on all other purchases.Ĭiti receives thousands of consumer complaints via the Better Business Bureau (BBB) for service problems and unlawful harassment of consumers. The main benefit of this card is earning “Bean Bucks,” similar to cash-back: each Bean Buck is equal to $1 toward future L.L. Bean, an outdoor clothing/equipment retailer based in Freeport, Maine. Bean Mastercard is a Citi-provided credit card for customers of L.L. You have nothing to lose! Call us today at 88 for a free consultation. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You won’t owe us a dime for our services.
Bean Mastercard will pay our fees and costs. Bean Mastercard violated the law, you may be entitled to money damages and L.L. You have rights under the law, and we will stop the harassment once and for all. Bean Mastercard cannot harass you over a debt.
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