CloudX Posted January 15, 2008 Report Share Posted January 15, 2008 I received a letter today from Citi today asking for information due to a recent dispute with the CRAs. It reads:Dear CloudX,If you are questioning the information that we reported to the consumer reporting agencies, please send us your 16 digit credit card number, a copy of the credit report dated within the past 30 days showing the items in question, and a letter of explation to:CitibankPO Box 6241Sioux Falls, SD 57117-6241Once this information is received, we will investigate and submit any necessary updates to the consumer reporting agencies.Sincerely,R. M. Pick ManagerAnyway, the point of this is, I have DVed academy collections who is collecting on their behalf twice in the last 2 almost 3 months (they never responded.) I have also, about 2 weeks ago, sent a letter to the CRAs about academy not responding and this is the first letter I get.Is this a stall tactic? Should I ignore it? Or should I respond with all info plus copies of my DVs I sent to academy?Thanks guys!CloudX Link to comment Share on other sites More sharing options...
merkurfan Posted January 15, 2008 Report Share Posted January 15, 2008 Citi is trying to investigate the account. They can ask for that kind of information. Read the link at the top of this page about disputing with OC. While you never actually disputed with the OC I think the CA might have started it when they requested information from Citi..Is the account yours? do you have the information they are requesting? Link to comment Share on other sites More sharing options...
CloudX Posted January 15, 2008 Author Report Share Posted January 15, 2008 Yes I have all the info they want... so now I need to DV them as well as the CA and CRA...? Link to comment Share on other sites More sharing options...
hiblues Posted January 15, 2008 Report Share Posted January 15, 2008 Try this...Call the CA and tell the CA's supervisor that you are filing BK..youjust haven't found a lawyer but definetly are filing..get the sups name just to show him you are serious.thentell the sup. that you will be callingCiti when you hang up with him.I've know that if you tell Citi's assigned CA's that you arefiling BK they are immediately to send it back to Citi.I'm assuming you want to deal with Citi and not the CA right?Then in 1 day call Citi and raise hell about the CA(Citi hates dealing with CA complaints.)and that you told him that you were filing BK and youwant to know were your file is.then make a payment arrangement- Try that. Link to comment Share on other sites More sharing options...
CloudX Posted January 15, 2008 Author Report Share Posted January 15, 2008 Try this...Call the CA and tell the CA's supervisor that you are filing BK..youjust haven't found a lawyer but definetly are filing..get the sups name just to show him you are serious.thentell the sup. that you will be callingCiti when you hang up with him.I've know that if you tell Citi's assigned CA's that you arefiling BK they are immediately to send it back to Citi.I'm assuming you want to deal with Citi and not the CA right?Then in 1 day call Citi and raise hell about the CA(Citi hates dealing with CA complaints.)and that you told him that you were filing BK and youwant to know were your file is.then make a payment arrangement- Try that.LOL thats a thought Link to comment Share on other sites More sharing options...
hiblues Posted January 15, 2008 Report Share Posted January 15, 2008 When I was on the mainland (that's what we call the continental USA here on Hawaii)I worked for CitiBanks Recovery Dept.If this is a fairly recent collection ( the account is still with an assigned collector) the SOP ( standard operating procedure) for assignedcollectors are to send the account back to Citiwhen when the debtor informs the CAthat s/he is filing BK or is with a CCCS.The CA will send it backespecially when you tell the CA( after informing them of the new info-bkr CCCS)that you will immediately be contacting Citi's Recovery Dept.that's why you want to talk to a manager.Good luck Link to comment Share on other sites More sharing options...
CloudX Posted January 16, 2008 Author Report Share Posted January 16, 2008 Didnt see your newest post before I sent this, hopefully its good:January 15, 2008RE: Account xxxxxxxxCitibankP.O. Box 6241Sioux Falls, SD 57117-6241CloudXs casaTo Whom It May Concern:This letter is being sent to you in response to your letter dated January 08, 2008. I appreciate the timeliness of your response to my disputes with consumer reporting agencies. The information that I am disputing with the agencies is a current collection that is on my credit report. I have also, since November 7, 2007, been disputing this record with Academy Collections who has been trying to collect on your behalf. As of the date of this letter, I have not received validation of the debt owed.Since you have obviously verified this debt, then I respectfully request that your offices conduct an investigation on this account. I have reprinted the legal text of the FCRA for your legal staff, to show that under law I have a right to ask for this.I would like to see from your offices, so that this matter can be cleared up, all evidence that points to a validation of this debt. I appreciate your prompt attention to this matter, and I hope you appreciate mine. However you will be in violation of the FCRA if you do not comply and respond to me with the results of the investigation in 30 days. If I don’t hear from you within that period, I will assume you do not have the information at hand, will take legal action as is my right.If you can not provide any evidence to the matter, please update my report. Again I thank you for your attention to this matter and I look forward to hearing from you shortly.I have enclosed your original letter (copy,) copy of State ID, the letters (2) sent to Academy Collections, and a copy of each letter sent to the consumer reporting agencies.Yours Professionally,CloudX Link to comment Share on other sites More sharing options...
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