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Got sued by Citi Bank


MzMalt3
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So about 8 months ago I was served by Citi or the company representing them ( The Moore law Group) for a debt I owed the credit card company in 2018. Anyways since I was nervous and wasn’t too familiar with what to do next, i didn’t want to continue being sued so I contacted The Moore law group directly and agreed to make payments on the full amount owed. I didn’t know I was able to negotiate. The question that I keep having is what happens when I finish paying off the debt? Will it show up in my credit report as paid off? I have asked multiple times and they tell me they don’t report to the credit bureaus and they give me numbers to contact CITI bank but the numbers I call always leads me back to their department. So I’m worried if my payments are even going towards my debt. Does any one have any helpful advice on what I should do.? Thank you in advance. 

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Call the law office and request an accounting of the payments from when you started paying the debt. That will show you where the money is going. Also, many banks do not report debts that they are about to sue on to avoid any FCRA claims when they file lawsuit. JDBs are doing that too.

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How is the Citi account being reported on your credit reports?  Is the account reporting a balance?  If so, has the balance gone down down since you started to make payments to the law group?

Questions:

Do you have a payment arrangement that includes a monthly payment amount and terms/number of months?

How much did you owe at the time you agreed to pay the full amount?

How much have you paid since?

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