My Citi Debt Was Split Between Two Debt Collectors. – Max

“Dear Steve,

I’m back again. This time I talked to Citi about getting a higher limit because they offered me 18 months of no APR again on the same account. They said no because I had an account in collections. What do you do when you hear this? You freak out. Was my ID stolen? Did I forget something I owed? Nope. It was an old debt from 6 years ago that I thought I paid off. Apparently I had paid a large chunk of it ($2,400, to be exact), but that the same debt was split among two debt collectors. I now owe $530 to another collector.

My first thought was, is this legal? Can they do this? My second thought is, why wasn’t I notified or contacted by the debt collector to tell me they planned to sell it? Help me out here, Steve.



Dear Max,

I understand how stressful this can be at first. Take a deep breath and let the adrenaline wear off.

Once it has it’s time for you to become a detective.

What is obvious is we just don’t have enough information to make any clear assumptions yet. As it stand now the mystery debt is just a zombie debt, something that’s come back to life but it undetermined.

I would get a copy of your consolidated credit report and let’s see which credit bureau(s) is reporting information about the mystery debt. Let me know what it says about the reporting dates and amount of each debt.

Once we get some clear idea about what is being reported, then we can take some action. That action will most likely include you asking the debt collector to verify the validity of the debt.

But let’s not get too far ahead of ourselves here. First, the details please.

Please post your responses and follow-up messages to me on this in the comments section below.


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Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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3 thoughts on “My Citi Debt Was Split Between Two Debt Collectors. – Max”

  1. I’m waiting for a few Paypal freelance payments to go through and then I can check my reports. I just checked my Equifax report 5 days ago through myFICO, which was the reporting agency for the first debt. It has since been cleared (with a credit score of 724). The debt is reporting to TransUnion, where my score is 604. Experian isn’t reporting the debt either. I asked TransUnion to investigate the debt, which is exactly $534 and is NOT the result of a credit card debt.

    It’s apparently an apartment complex I was in back in college that I owed for unpaid rent, though by now I bet I can’t even do anything about that because the company went bankrupt in that region.

    I couldn’t really understand the guy on the phone but I heard “Campus Suites” mentioned and knew exactly what he was talking about.

    Keep in mind, Steve, that they never even called me about this second debt. Not once.



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