Hi Money Minder,
I’ve been getting these annoying calls for years about a Citibank account that’s not even mine. They keep saying I owe them 5k and that I’m committing fraud. It’s a total joke. They even had my mom, dad, and brother listed as references – like, really? I’ve moved around a bunch since 2009, so good luck trying to track me down.
The last call I got was from some lady claiming to be the final warning before they take me to court. I told her to go ahead and do it, I’m done playing these games. They never sent me any proof that it was my debt, just some statement I never even got.
I’m not paying a dime of this so-called debt. It’s not on my credit report, so who cares? They can scream fraud all they want, but if they had a real case, why wait so long to take me to court? Seems like they’re just trying to scare me into giving them some money.
I pick up these calls just for a good laugh and a bit of morning entertainment. It’s like my own little pep rally before coffee.
Later,
Debt-free Dave
Response from THE MONEY MINDER:
Hello There,
I’m sorry to hear about the frustrating situation you’ve been dealing with regarding these persistent debt collection calls. It sounds incredibly frustrating to have this looming over you for so long, especially when it’s not even your debt to begin with. It’s understandable that you’re tired of being harassed about something that isn’t your responsibility.
Given the circumstances you’ve described, it seems like you’ve already taken a practical and realistic approach by refusing to engage with these collectors and challenging them to take you to court. It’s important to stand your ground and not be coerced into paying a debt that isn’t yours. If they truly believed you were committing fraud, they would have pursued legal action years ago. Your vigilance in not letting yourself be taken advantage of is commendable.
It’s also wise to keep a record of these calls and any correspondence you have regarding this debt, in case you need to dispute any claims in the future. Remember to stay vigilant in protecting your personal information and not fall for any tactics these collectors may use to try to pressure you into paying.
In the meantime, continue to handle these calls as you have been, maintaining your stance that you will not be paying for a debt that isn’t yours. It may be frustrating, but it seems like you’re handling the situation as best as you can. Stay strong and don’t hesitate to seek legal advice if needed.
Take care and best of luck in resolving this issue,
THE MONEY MINDER.
