Complaint Review: NCO Finance & Citicards

After loosing my job permanently due to a plant closing, and unemployment pay ended I could not pay the Citicard Account to their satisfaction. I owed them approximately $2100.00 when I got laid off.

When I got my severence pay I paid them down to just over $1700.00, and continued to pay monthly payments each month until my unemployment ran out. They turned the Account over to Academy a Collection Agency. I borrowed and paid them $1250.00 in a two month period, they were threatening to sue me. They were so very rude that I could not tollerate the verbal abuse that I was getting so I told them to sue me.

I knew that I had proof that I had paid between Citicard and Academy over $6000.00 for an account that only around $2000.00 in charges had been made and I had proof of this fact. Below is the Computer record I keep of Bills/this bill that was paid:
Company Academy & CITIBANK SAME CARD
Company Paid check number Date paid Payment Charges
Citibank 97721250 11/22/1999 $245.00 $5.00

Monthly End Balance $1,971.08

Citibank 41922054 1/10/2000 $41.22

Monthly End Balance $2,143.95

Citibank 97737069 2/10/2000 $50.00

Monthly End Balance $2,032.26

Citibank Credit Shield 2/29/2000 $43.00

Monthly End Balance $2,032.26

Citibank Credit Shield 3/31/2000 $42.00

Monthly End Balance $2,032.87

Citibank K9114141 4/5/2000 $15.00

Monthly End Balance $2,129.75

Citibank Credit Shield 5/11/2000 $42.75

Monthly End Balance $2,141.31

Citibank Credit Shield 5/23/2000 $43.00 $5.00

Monthly End Balance $2,141.31

Citibank Credit Shield 7/7/2000 $48.45

Monthly End Balance $2,266.95

Citibank 61303108 8/4/2000 $48.45

Monthly End Balance $2,250.45

Citibank 61303108 9/5/2000 $60.00

Monthly End Balance $2,250.45

Citibank 42406063 9/25/2000 $700.00

Monthly End Balance $1,603.73

Citibank 61137042 10/30/2000 $40.00 $348.72

Monthly End Balance $2,014.29

Citibank R2814309 11/28/2000 $1,500.00 $941.96

Monthly End Balance $1,509.02

Citibank 43170148 12/13/2001 $39.20 $609.88

Monthly End Balance $2,135.60

Citibank 43146388 1/22/2001 $180.00 $43.79

Monthly End Balance $2,055.78

Citibank 5877 3/9/2001 $150.00 $28.59
Monthly End Balance $2,036.96

Citibank 5907 4/17/2001 $78.96 $7.00

Monthly End Balance $2,098.75

Citibank 5913 5/2/2001 $82.79

Monthly End Balance $2,098.75

Citibank 5944 6/7/2001 $82.79

Monthly End Balance $2,098.75

Citibank Credit Shield 5/12/2001 $84.00

Monthly End Balance $2,044.63

Citibank 5978 7/5/2001 $82.79

Citibank 5982 7/6/2001 $183.75

Monthly End Balance $1,930.04

Citibank 42476221 8/22/2001 $40.00 $82.87

Monthly End Balance $2,023.35

Citibank 3953 10/15/2001 $100.00 $12.37

Monthly End Balance $2,141.18

Citibank 4027 12/20/2001 $358.28

Citibank 4123 3/18/002 $100.00

Citibank 4131 4/8/2002 $165.58

Citibank 44303088 4/19/2001 $78.96

Monthly End Balance $2,044.29

Citibank 4147 5/16/2002 $27.00

Citibank 6142 3/26/2003 $33.00

Citibank 6155 4/3/2003 $33.00

Citibank 6178 5/17/2003 $40.00

Academy Collection Service for Citibank 6241 7/15/2003

Paid $850.00

Academy Collection Service for Citibank 6247 8/8/2003

Paid $200.00

Academy Collection Service for Citibank 6203 8/29/2003

Paid $225.00

National Financial Systems for Citibank 001

Paid 11/21/2004 $253.00

NCO Finance 9000 6/25/2004
Paid $75.00

NCO Finance 7/25/2004 $75.00
total paid $6,446.97
total charges $2,100.18
I sent a copy of my record to Citicard/ The Attorney General/ Academy/ National Finance/ and NCO Finance/ and now to an Attorney
I am tired of trying to prove to this company that I have paid them not 18% interest but but 3x the amount I actually charged.
Enough Is enough.
I did not enclude the account numbers, but have them also.
Citicard and their Collection Agency are robbers.

Janet
Stokesdale, North Carolina
U.S.A.

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