In 2007 I had a CITI FINANCIAL PERSONAL LOAN in which I paid off in DEC 2014. My credit report shows paid as agreed and CLOSED. I recently checked my EXPERIAN REPORT and noticed that they had three accounts numbers under one account The first waqs PAID IN FULL The second was a new account number for what they say I owed in "deferred inerest" The third account had an amount of $20.00 Charged ff. Yes, and yet another account where the charge off was opened again with a $20.00 Balance.. I immeadiatly paid the $20.00 to shut them up and they never posted it to credit report , I paid again $20.00 and then the credit report said 2.00 dollars.In fact i redecently took out a one main personal; loan for debt consolidation, if i had owed CITI they would have cut aq check to themselves as they did others,,,,,,i know you cant make this crap up
I attempted from the executives on down to reslove the situation. The executive resolution people say I owe 600.00 defered intrest and give me a number to call collection ands pay them. Collections says its 2.00 and they wont accept a payment by phone for less the 10.00 So I write them a check and yes they cash the check for 2.00 dollars. I call for a confirmation and they say i owe them 23 cents and I shopuld find a CITI BRANCH and go in and pay. do you believe thiS BS!
I then get a hold of there legal department and they send me a payed in full letter. I asked them why and how much the actual charge off was and they "say i dont know"! I ask them being the account was paid off in full pleasse satisfy the judgment in NC Court. THey said they dont have a copy of the judgment. NC law requires creditor to satisfy judgment within 60 days of paid in full. To end this magilla of a problem EXPERIAN has official report a charge off for yes, 2.00 written off...THe paid in full letter states that any of 4 diffrent banks could have owned the loan during a recent merger which is BS because it has a CITI account number they are only giving themselves cover for the fact thay dont have a copy of judgement. I tried 6 months to pay these idiots all while they continued to report me 180 days late. Can someone please give me some direction! PLEASE PLEASE PLEASE I am constant rejected mortgage for this only baddie
