[LoriKelsey]

I have three questions regarding CitiCards business practives:

1) If a credit card company sends your account twice to collections and you are current is this legal?

2) When my account was sent to collections the 2nd time I called CitiCard and I was told "we are not accepting your calls you need to contact the collection agency to answer your ques."Can they refuse my calls and expect me to continue paying on my account?

3) My last contact with Citi was Nov,2008 I sent them a letter and they never responded to my letter and they quit sending statements. Then March 1,2009 I received 11 statements dated from Feb 2008 - 12-2008 and March 11,2009 I received Jan. 2009 statement. Feb-Sept 2008 statemetns had been paid. 11, 12/2208 and 1/2209 I never paid on. Citi has not sent me any other more statements for 2009. May 1,2009 I receive a letter from a collections company. What is up with what they are doing? I have recently been sending out complaints and I have also received a letter from CitiCards Attorney. Help!!

[LoriKelsey]

I had a dispute with Citicard which was denied by S. Larson CUstomer Service Rep. Every response I received was from this so called S. Larson. My question is;

If S. Larson is not a real person how could S. investigate my dispute(s), deny it, or make any decision regarding my account? SO if S. is not a real person than my dispute(s), and all of my correspondence to and from S. Larson is null and void? S. cannot investigate anything or make decisions on CitiCards customers because S. is an imaginary entity? I would think I have no responsibility to CitiCards since my dispute was never actually investigated?
My dispute paperwork was FULL PROOF and it was denied. How can this be legal?


Is there any way to fight CitiCards and make them eat what I owe them since they have no business ethics, do not back their customers, and lie?

[excon]

Hello l:

Apparently they've been making lots of mistakes on your account and won't listen to you...

They've got a lawyer. You need one too. IF they've, in fact, done you in, and you're absolutely innocent, you can get them to pay for your legal fees too.

excon

[justcurious55]

What do you mean if S. Larson is not a real person? Do you know this or are you speculating? If you know it, how do you know it?

[LoriKelsey]

Is S. Larson real or not? I have tried to get a message to her or talke to mny times, However she never calls people back and doesn't have a mail box.

Here are three atricles that say S. is non-existant:

Dear Larson of Citibank: You're not real so please rertire.

Hitting the citibank stone wall

I want my treasure back please.


Please let me know what you think, Is S. Larson real or pretend?

[justcurious55]

Wait, those are your three "articles"? That doesn't even make sense

[LoriKelsey]

You don't think it makes sense but you only know this one small incident with CitiCards. I sent four questions all together why don't you check the other three out and give me some more advice? I am going to have government agencies, Consumer Affairs, The BBB, The OCC Office and various other agencies find out if S. Larson is real or not? I know you think I 'm nuts but I have never been able to talk to S. or hear S.Larson's voice because S. has no message box. I cannot find an e-mail address for S. If S. is a real person I will apologize but I'm 99%sure S. is not real. Thanks for your input.

[stevetcg]

What difference does it make if S. Larson is a real person or a number of people? You owe the debt and nothing is going to change that except paying it.

[justcurious55]

Steve makes a good point. If you owe the debt nothing is going to or should change. Since you mentioned disputes I thought maybe you were talking about you believed there had been a fraudulent charge to your account and they denied helping you with it...
On another note, it's not my job (or anyone else's) to go look for any other questions you posted and reply to all of them. If you want accurate answers, ask one, well-detailed question. Because your "articles" for why s. larson doesn't exist that you posted in this thread make absolutely no sense to me. If you want more advice, why don't you post more info here, in this thread.

[LoriKelsey]

Yes I owe them money however when you are disputing charges on your bill and you send your evidence or proof of how you were grossly overcharged. If S. Larson is only not a person how does S. read my evidence and do n investigation?

This is not the only problem I am having with Citbank. This was just the beginning of how unethical Citibank treats their customers.

Plus didn't we the American People give them millions of dollars to bail them out? Now they are being sued for millions and they also owe American Investors trillions.

This is my first time of reaching out and it will be my last.

[stevetcg]

S. Larson is most likely the manager of a department. Just because his signature is on the paper does not mean he is directly involved or even has knowledge of your particular issue. The correspondence was most likely made in his name by someone that works for him. The reason his name is on the page is because he is an officer with the bank and able to make decisions. The reason there isn't a "real" name on the paperwork is because the company does not want you to attempt to contact individuals directly. Call the toll free number on the back of your card and talk to the claims department.

If your claim was denied, it was denied. What is there to argue?

As for you getting all indignant about us questioning you, well, you are not providing particularly helpful information. We are TRYING to help. You just seem to be on a crusade against Citi. Good luck with that. Let us know how it turns out.

[NeedKarma]

Hey guys, she has a point:
s. larson citibank - Google Search

[ScottGem]

1) I merged your two threads. Please do not start multiple threads for the same issue.

2) To answer your first post, once they assign an account to collections, generally you will have to deal only with the collections department or agency.

3) Whether S. Larson is a real person or not is a moot point. Many companies use a general Customer Service nom de plume to make it easier for different people to service a customer. There is nothing unethical or illegal about it.

Every company mishandles some complaints. Without knowing your exact situation or what proof you have presented its hard to say who is in the wrong here. I can tell you I have been a Citibank customer for close to 30 years and have had charge accounts with them for almost that long. While there have been a few bumps along the way, they have always been handled properly and professionally. This is not to deny your story, but only to put it in perspective.

[LoriKelsey]

My account was current and they sent me to cillections twice. When I tried to call them I was told I needed to contact the collection co. I sent them letters and along with previous statement proof that I made my payments and was current.

Citibank customer securities has been compromised. They are using other countries like Africa, Indonesia and other places to monitor their customers security.

Thanks for your help can you now help me with this awful Vista program? HA!HA!

[LoriKelsey]

Why do you think S. Larson is a man I always figured S. was a female?

[stevetcg]

My account was current and they sent me to cillections twice. When I tried to call them I was told I needed to contact the collection co. I sent them letters and along with previous statement proof that I made my payments and was current.

Citibank customer securities has been compromised. They are using other countries like Africa, Indonesia and other places to monitor their customers security.

Thanks for your help can you now help me with this awful Vista program? HA!HA!

Africa isn't a country, it's a continent. And what does outsourcing have to do with compromised security?

As for S. Lawson being a man... I have no idea. I just default to using a masculine gender when there is a question.