I have a Citibank account that is in default. It went to collections, but I don't want to deal with the CA. I called Citi's recovery department and sat on hold for 45 minutes.
I spoke to a person about my account, and they told me it was with a CA. I asked what would happen if I sent a Cease & Desist to the CA, would it then go back to the recovery department.
She said no. A C & D would also prevent them from dealing with me.
That really made no sense to me since they are part of Citi.
Does anyone else have experience with Citibank and what I should do? (besides not talk on the phone with anyone
).