Citibank screwover on CR
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Posted by rblues
(202.123.139.62) on April 03, 2002 at 22:22:12:
Hi all, I'm having problems with a citibank debt and I was wondering if this is a problem for anyone else. I started attempting to work with my credit reports 2 months ago and I've been having moderate success. However... I had a debt with Citibank that was charged off in 1996. It is scheduled to stay on my report until 2003. I was just going to let it fall off as most of the charges weren't mine anyway (ex's). I recently received a copy of my EXP and TU reports and some collection agency named Pinnacle Credit Services has taken over this debt that had never (until now) been sent to a collection agency. The debt with Citibank had always been reported (until 1/2002) as $895. Now these guys come along saying that the debt was opened on 3/2002 (the month I started getting my reports and started disputing) and that I now owe them $1508!!!! WTF? And it gets better. Experian now says this debt will remain on my report unil 2005. What would be my best strategic move regarding this new collection agency. I had been doing so well and had two deletions, but I feel like this was such a setback. Key note here: I have never received a letter from them stating that I owe this debt as of this date. Apparently they have taken this over just last month. If I get a letter from them, I will of course make them validate the debt, but what if I never get the letter. I refuse to call them to give them an address to send me a letter. What is the best way to get at these guys. BTW, has anyone ever dealt with Pinnacle? Any help appreciated! Crystal
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