Thanks CITI or spilling the beans

[Vinny2020]

So, I have been working to pay down my cards. Finally have my Amex cards down to 0 and had CITI and BOA as my next pay down targets. Trying to work it out myself without using money from the family budget ( I do web development on the side to earn some extra ) and while I was @ work CITI calls my home and blabs to my wife that I'm 8 days late with my payment. I'm sure I'll get the lecture tonight. Putting aside my issues, I thought creditors were only supposed to speak with authorized users. I think it's time to remove my home phone from every CC account. Also, CITI is using an annoying robo-caller that tells you to call them back. I wish I did now.

[cardcardinsider]

So, I have been working to pay down my cards. Finally have my Amex cards down to 0 and had CITI and BOA as my next pay down targets. Trying to work it out myself without using money from the family budget ( I do web development on the side to earn some extra ) and while I was @ work CITI calls my home and blabs to my wife that I'm 8 days late with my payment. I'm sure I'll get the lecture tonight. Putting aside my issues, I thought creditors were only supposed to speak with authorized users. I think it's time to remove my home phone from every CC account. Also, CITI is using an annoying robo-caller that tells you to call them back. I wish I did now.

 

 

Per the FDCPA...Citi is allowed to talk with a spouse about your account even if they are not a Joint cardholder or an authorized user.

[centex]

So, I have been working to pay down my cards. Finally have my Amex cards down to 0 and had CITI and BOA as my next pay down targets. Trying to work it out myself without using money from the family budget ( I do web development on the side to earn some extra ) and while I was @ work CITI calls my home and blabs to my wife that I'm 8 days late with my payment. I'm sure I'll get the lecture tonight. Putting aside my issues, I thought creditors were only supposed to speak with authorized users. I think it's time to remove my home phone from every CC account. Also, CITI is using an annoying robo-caller that tells you to call them back. I wish I did now.

 

 

Per the FDCPA...Citi is allowed to talk with a spouse about your account even if they are not a Joint cardholder or an authorized user.

 

FDCPA has NOTHING to do with the OC communications...

 

That being said, there is generally nothing that would preclude the communication with the spouse of the account holder...

[Vinny2020]

Ah, I see. Live and Learn.

[athensgaguy]

So, I have been working to pay down my cards. Finally have my Amex cards down to 0 and had CITI and BOA as my next pay down targets. Trying to work it out myself without using money from the family budget ( I do web development on the side to earn some extra ) and while I was @ work CITI calls my home and blabs to my wife that I'm 8 days late with my payment. I'm sure I'll get the lecture tonight. Putting aside my issues, I thought creditors were only supposed to speak with authorized users. I think it's time to remove my home phone from every CC account. Also, CITI is using an annoying robo-caller that tells you to call them back. I wish I did now.

 

 

Per the FDCPA...Citi is allowed to talk with a spouse about your account even if they are not a Joint cardholder or an authorized user.

 

FDCPA doesn't apply. I don't know what the rules about disclosure are though.

[cardcardinsider]

Operational Policy of Citi's Credit Cards collections department is from FDCPA....Even though Citi isn't bound to FDCPA as a rule they follow FDCPA...