Who is the Worst Creditor?

[queenfluff]

I absolutely LOATHE Citibank. They were absolutely horrible when it came to accepting us in a DMP. Every other creditor was immediately fine with it (Chase, Capital One, Discover). I must have talked to three dozen customer service reps, all who told me something different. Can't wait until they start calling when they realize they won't get anymore payments from me (husband just lost job and we'll be declaring Chapter 7 in a few months...)

You are waiting for the fun to begin (sort of speak)- for me, Citibank ignored the stay when I filed and called like ten times a day - well, I should say their computer called me ten times a day (I hadn't been late on a payment so technically I shouldn't have gotten any calls at all from them). BoA and Chase never called but no, not Citibank - they really justs suck. I think they must really have BAD departmental communications - I mean, I find it hard to believe that BoA and Chase all got my filing notice but not Citibank - I don't believe it. But once I answered the phone because I got sick of the calls and told them what was up - the guy was polite and put me on the no call list and I had no more calls after that. And that was the only thing that was good about Citibank -ever.

Citibank and Amex are the worst, and they are both famous for never lending to a customer that bk'd them, ever. They both hold grudges for life. I no longer care. When I see someone whip out an American Express card these days... I think FOOL. I paid those annual fees for so many years just for the status symbol, and I had 4 gold cards. Finally happy to see them go away.

I must say I WANT Citibank out of my life FOREVER! I wouldn't take a loan from them if they paid me (well, wait -- free loan hmmm maybe - that would never happen). But I bet I will still get credit card offers from them someday - they still send me Balance Transfer offers and stuff - they are really slow to get a clue.

I would also be happy to have cc's out of my life FOREVER too. I hope to get used to the fact that I can only buy if I have the cash. I will have many future years to get used to that new way of living. I am starting to think like that when I am at the checkout - I see people with cards that are not debit cards and I think "I wonder how much they owe?" Than I think - that used to be me.

[TooMuchCredit]

Navy Federal Credit Union!! They are the only people who were ever down right mean and rude and made ridiculous demands via telephone. Well now that I think about it.. citifinancial pretty much sucks too they were like "We need a payment today or we're filing a lawsuit" I replied: "Do what you must, because I'm filing bankruptcy." their response: "We already have!" and then she hung up on me. And what's more funny is the sheriff actually showed up at my door that afternoon. What a bunch of losers lol. btw my ch 7 did get filed the next day

I second that with NFCU! They called daily and blocked caller id. I would answer occasionally and tell them they already had my lawyers info (I had not filed yet, but had retained a lawyer). I talked to them on a Friday. I did not answer the phone Saturday. They called my siblings in other states that Sunday.