How to Stop Citibank Phone Harassment

Citibank

How to Stop Citibank Phone Harassment

Is Citibank calling you ceaselessly? Are you tired of Citibank Phone Harassment? Wish there was a way to make the calls stop? Citibank is allowed to call you but they are not allowed to harass you. Congress enacted the Telephone Consumer Protection Act, (TCPA) to stop harassing phone calls from companies like Citibank. The TCPA requires in many cases that the offending companies pay damages to those they harassed.

Who Is Citibank?

Citibank debt collection agency, which is part of Citigroup, issues store-issued credit cards from companies such as Costco, ExxonMobil, Shell Oil, Staples, Inc., and The Home Depot. In 2016, as part of an agreement with the Federal Government’s Consumer Financial Protection Bureau, Citibank agreed to consumer relief in the amount of nearly $16 million as well as to forgo collecting debt held by nearly 7,000 cardholders valued at roughly $34 million dollars. This agreement was reached to resolve enforcement actions that were commenced by the CFPB, however, as part of the agreement, Citibank did not admit or deny any of the allegations in the two actions.

Citi bank contact:

Citibank
399 Park Ave
New York, NY 10022-4614
Telephone: (212) 559-1000

Fax Numbers: (646) 862-9780 & (423) 477-6557

Citibank credit cards

  • Citi reward master card

If you’re new to Citibank credit cards, this is a good recommendation for you, because it teaches you how to use Citibank credit cards in general and how credit cards function.
It teaches you things like what happens to the credit card company when you spend money, or when you have to pay up a bill and you don’t.
You have to put in a minimum of $200 deposit. You are funding this card with your own money. So when you have to pay back and you fail to, it’s your money that’s lost.
It is wise to use this card for a couple of months before moving on to a starter card.
The Citi reward MasterCard allows you to earn points that do not expire. Customers earn 1 point for every P30 spend anywhere including on food delivery and online shopping.
What’s more? You earn 3X points when you shop and dine. Points can be used anywhere.

  • Citi double cash card

This Citibank credit card gives you 2% on every single purchase that you make no matter what it is, and unlimited 1% cashback when you buy, plus an additional 1% as you pay for those purchases. This comes in handy when you want to spend on bills that aren’t covered by category.
This card also gives 0 APR for balance transfers.
You have to pay at least the minimum due on time to earn cashback,
Plus there are no categories to track, no caps on cashback, and no annual fee.

  • Citibusiness / AAdvantage Platinum Select MasterCard

This is a small business Citibank credit card that allows you to earn 65,000 American Airlines Advantage bonus miles after spending $4,000 in purchases within 4 months of account opening.

It has a purchase rate of 15.99% – 24.99% variable APR, based on your creditworthiness. And an annual fee of $99 after the first year.

  • Costco Anywhere Visa® Business Card by Citi

This is a Costco Citi card designed solely for Costco members. With a purchase rate that is 15.24% variable APR1 and no Annual fee with your paid Costco membership1

  • The Citi Rewards+ card

This is one of the Citi cards that allows you to maximize your everyday purchases. It does this by letting you earn double ThankYou® Points at the supermarket and gas stations, for the first $6,000 per year and then 1 point on all other purchases.
This is an outstanding rewards credit card offered by Citi’s Bank. The Citi Rewards+℠ Card opens the door to several benefits, alongside a low introductory APR and zero dollars in annual fees.
The purchase rate is 0% introductory APR for 15 months from the date of account opening; after that your variable APR for purchases will be 13.49% – 23.49% based on your creditworthiness.
The balance transfer rate is 0% introductory APR for 15 months from the date of first transfer; after that your variable APR will be 13.49% – 23.49% based on your creditworthiness. You must, however, complete your balance transfer within 4 months of opening the account.
You will be required to pay either $5 or 3% of the amount of each transfer made, based on which amount is greater per transaction.

  • Citi Premier® Card

With this card, you earn 60,000 bonus points when you spend $4,000 within the first 3 months after you opened the account.
It has a purchase rate of 15.99% – 23.99% variable APR, based on your creditworthiness1. The annual fee is $95

  • Expedia® Rewards Card from Citi

This card is a result of a partnership between Citi and Expedia, Inc. It brings you the Expedia Rewards Card, a Citi Expedia credit card that earns points to redeem toward travel rewards. The Expedia card membership allows you to enjoy Silver status each year, alongside a full range of other Citi card benefits.

You earn 15,000 Expedia Rewards bonus points after $1,000 in purchases within 3 months of account opening.
The Purchase Rate is 14.99% – 22.99% variable APR, based on your creditworthiness1
And there is no Annual Fee.

Note that the Expedia Rewards bonus points offer is not available if you have had an Expedia Rewards or Expedia Rewards Voyager account opened or closed in the past 24 months.

  • Costco Anywhere Visa® Card by Citi

This is another Costco Citi card that allows you to earn cash rewards with a customized card.
The Purchase Rate is 15.24% variable APR1
And there is no annual fee with your paid Cost

  • Expedia® Rewards Voyager Card from Citi

This card gives you premium travel rewards with an optimal Expedia credit card experience. It is as a result of a partnership between Citi and Expedia, Inc. The Expedia® Rewards Voyager card earns bonus points redeemable on  Expedia.com Also enjoy Expedia Rewards Gold Status for each year of card membership.
You also earn 25,000 Expedia Rewards bonus points after $2,000 in purchases within 3 months of account opening.
The Purchase Rate is 13.99% – 21.99% variable APR, based on your creditworthiness1. It has an annual fee of $95

What to do if you miss a Citi card payment

If you can help it, it is best not to miss your credit card payments especially because it has a negative effect on your credit rating. However, if it happens and you miss your Citi card payment, you will be responsible for a fee and you should act immediately to stay on top of the situation.

The first step in the right direction is to call Citibank credit cards and explain to them the reason why you have missed your Citi card payment. They will let you know what options are available to you.

Is Citibank a Scam?

According to the Better Business Bureau website, Citibank debt collection agency has been in business since 1812. There have been 4,046 complaints closed in the last 3 years and 1,428 complaints closed out in the last 12 months from unsatisfied consumers with the BBB.

Alternate Business Names:

Citi Prepaid Services
Citibank
Banamex USA (BUSA)
Citifinancial Servicing LLC
Citibank N.A.
Citigroup Global Markets Holdings Inc.
CitiCapital
Citicorp Trust Bank
CitiMortgage, Inc.

Types of Citibank Phone Harassment

There are several ways companies like Citibank harass consumers and violate the law. The TCPA limits when and how often a company like Citibank can call. The TCPA also prohibits marketers from making use of automatic dialing systems.  Some of the key processes that Citibank debt collection must follow when making calls are below:

  • Calls only between the hours of 8 a.m. and 9 p.m. Any call outside of these hours may be considered as part of Citibank phone harassment. 
  • Companies must maintain a “Do Not Call” list and follow it. Therefore not call the consumer again.
  • Marketers may not send unsolicited advertisements by auto-dialer, prerecorded voice message, or fax to anyone without prior express consent.
  • Customers must be provided with an option to opt-out of receiving future robocalls during a robocall. If the consumer opts-out, then the call must be disconnected right away and no future calls can be made to that number by that organization placing the call.
  • A debt collector or telemarketer must identify themselves by name and reveal the identity of the person or company on whose behalf they are making the calls

What are Robocalls?

Robocalls are phone calls with prerecorded messages. This also includes unwanted text messages. To Learn More about robocalls and how you can stop them, visit the Federal Trade Commission (FTC) or the Federal Communications Commission (FCC).

Citibank Phone Numbers

Are you a victim of Citibank Phone Harassment?

800-733-1116, 800-388-2200, 800-295-4057, 859-309-5128, 800-667-8424, 423-477-2488, 859-309-5126, 866-369-5768, 859-283-8599, 816-420-4632, 877-587-5727, 816-420-1002, 210-677-1346

If you are receiving calls from any of these numbers, then you are receiving calls from a Citibank phone number. Contact a legal professional right away so they can start the process to stop the Citibank phone harassment. No one should live with the harassment.

Citibank Complaints:

The following is a sample list of Citibank Complaints that can be found on Pacer.

3:19-cv-01668-S Eskridge v. Citibank NA

1:19-cv-00872-AWI-BAM Gutierrez v. Citibank, N.A.

2:19-cv-14127-WHW-CLW CORONEL v. CITIBANK NORTH AMERICA, INC. et al

8:19-cv-01414-VMC-AAS Dukett v. Citibank, N.A. et al

3:19-cv-08149-DGC Knight v. Citibank NA

CONSUMER RIGHTS LAW FIRM, PLLC

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Citi bank. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

 

Check out the links below for more information:

https://www.consumer.ftc.gov/articles/debt-collection-faqs

New York Attorney General 

Consumer Financial Protection Bureau 

Northpoint Recovery Service Debt Collection Harassment?

 

Northpoint Recovery Service Debt Collection Harassment?

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Know Your RIGHTS: Insider Insights Into Consumer Rights w/ Attorney Derek DePetrillo episode of Credit Conversion Conversations