Citibank refused to stop calling, may I sue?

[Mark6226]

I live in Michigan.

I owe my bank (Citibank) a few thousand on my credit card. The bill is about 12 days past due. I plan to send the payment in very soon.

Anyway, probably more than once a day I receive an auto-mated recording stating that my bill is past due. I spoke to customer service asking if they could stop calling me with this recording. They said that it is their policy and that they cannot stop calling with the recording until I send my payment in. Isn't this harrasment or against the law?

If so, I think I want to take this to court. How would I proceed.

Should I record the customer service rep. telling me that they cannot stop calling? Am I allowed to record them? Please suggest what is the correct way to go about this.

 

[HomeGuru]

I is not harassment or against the law. Want them to stop calling? Pay your bill. It is a very simple concept.

 

[Mark6226]

I am going to pay, I was just waiting for a paycheck to come in. I wanted them to stop calling so that everyone in my household doesn't have to learn about my personal bills.

I was reading about debt colectors and how they cannot call if you tell them to stop, doesn't this apply to credit card companies as well?

Are you saying that they can keep calling whenver they want (within business hours)... even though I asked them to stop?

 

[ihatearizona]

The laws you are thinking of are part of the FDCPA. The FDCPA does not cover original creditors. Original creditors can pretty do what ever they feel like. It sounds wrong and unfair, but it is the truth. I used to have the same problem with one of my creditors. What would put a stop to it is giving them the exact date that they should expect payment. If this won't work, you could always change your phone number.

 

[jherentals]

Citi Bank "Live Richly, yeah"

As far as these evil creditors who prey on late fees and want you to "Live Richly" until you're a day or two late......I finally got sued and am bankrupting, but I made it hard for them to bother me the last three years. I started by changing my phone number, then just using a cell phone. Also I had my mail sent to Mail Boxes Etc (and a few other tricks) to keep those stalking nasty creditors off my back. In the end they won a law suit against me for $27,000 but they'll be lucky to see 10 cents on the dollar, since I responded to their lawsuit with a Chapter 13 Bankruptcy. I was hoping to not Bankrupt at all....but thanks to Citi-Bank's attorney, I am "Living Richly" too, just like their advertisements say. IF your credit is already ruined, then don't pay them a cent. The only recourse an unsecured creditor has, other than a law suit, is to ruin your credit. Once they ruin your credit, then you have nothing to lose. And if they do go so far as to sue, then either work a settlment with them or play the Bankruptcy Card.

 

[garrula lingua]

quote jherentals: In the end they won a law suit against me for $27,000 but they'll be lucky to see 10 cents on the dollar, since I responded to their lawsuit with a Chapter 13

In order to do this, jh, one would have to completely lack honor, and be a leech, sucking off everyone else. We all pay for deadbeats like you. Learn to stand upright, not crawl.

 

[garrula lingua]

OOPs. I responded to afive month old post !

 

[leeleeblue]

LOL there's a lot of that going around!!

 

[You Are Guilty]

OOPs. I responded to afive month old post !

Might want to brush up on those math skills. They seem to be a bit rusty...

 

[weenor]

Might want to brush up on those math skills. They seem to be a bit rusty...

There are many of us who went to law school because medical school required too much math.

 

[garrula lingua]

:
So much for my snarkiness

 

[You Are Guilty]

:
So much for my snarkiness

My point was only that you left about 12 months off your "five month old" claim. It's from January 2005.

 

[Happy Trails]

Maybe reading glasses would be helpful.