Complaint Review: Citibank N.A. Via - St Louis Missouri

 The theory is the silly part, the facts are what I will work on. And the facts are this. I have never registered on a sight for Best Buy to manage our credit card, so I could have not ask for or signed up for estatements. I have never received estatments. Intended or not, Captial One or Citibank did not send me a paper statment for months prior to my payoff. My payments are sent out auto through our checking account. We have established several accounts over the years just like this one that have been managed just like this and pain off prior to the deadline.

There is no record anyone can produce that will show we signed up for estatments, prior to the change of Capitol One to Citibank or otherwise. Infact, until the statement came from Citibank that was three months after they had our account and received payments from our auto pay, did we even know it had changed hands.

And you are a bit blind to think that CEO's don't sit up there making deals selling packages of millions of dollars in accounts knowing that if a few thousands accounts are switches over to estatments with no where to go, and 90 percent of those consumers miss that deadline because life is so busy, by the time they realize statments are missing they are screwed, that a fews thousand dollars times a few thousand consumers adds up.

I cannot prove nor am I saying that is what happen, but it would never surprize me. I just know, someone somewhere screwed with my account, stopped my paper statments, took away what I use to manage my household, and my choice - now expects me to pay them for that. Not a chance.

And I will post what happens. When I take the right steps - to put this right. I will pay what I owe, but I will not pay for what someone else took the right for me to make a choice not to pay.

I would never wish anyone to learn life the hard way, but it is life, and it is just the way it will happen. I just hope when it does, you stand up for your self when you know you are in the right, and when you are not, you take care of what you should.

Sounds like someone trading accounts made a deal, here is an account that is close to changing over, lets switch them over and not send them a paper statement and maybe they will forget they are close to payoff...then we can bill them $2000 more. That would be worth buying their account from Capital One for sure.

- Oh yea that makes total sense.  I am sure that Capital One had 50 or 60 companies just beating down their doors to buy up their accounts so they can get to your $2000.    Why would they have to go through all of that?  Couldn't have Capital One just all of the sudden one month say "Whoops..look like you got signed up for E-Statements" and keep all of the money themselves?  Why go through the entire process of selling off accounts and giving your money to Citibank?

Not sure about anyone else but this is worth me taking to an attorney.

- When you do talk to an attorney I hope you post what they say especially after you give them your theory.  I hope you post it even if you don't like their answer(which you probably won't).