CITI declined based on NO LAND LINE

I got the same thing wen I applied to Gateway to buy a laptop. No land line, no laptop, so i told em they can go $crew themselves before I;ll do business with Qwest again.

Funny thing is - if they want to get ahold of me, I am home and awake about 4 hours a day (when the lnd line would be useful). I have the cell phone in my pocket or nearby 24/7.

With this policy they just stopped doing business with 20% of the US population (and the more affluent 20% at that).

 

Flying...

You of all people should know why they set up that policy...

If they use a cell phone as your phone # on the account, it goes delinquent, and they send it to collections, the CA calls you on the cell phone, that's a $1,000.00 violation, for forcing the consumer to pay for the call without a meaningful disclosure of the debt collection purpose.

Even you're free minutes are paid for by you, as a part of your rate plan (There is no such thing as a FREE MINUTE)

 

There are services which allow you to use your internet connection for phone service, not sure if that would be able to be considered a land line by their system or not.

You may be able to request reconsideration, are you a part of the areas which is affected by the portability; you may be able to argue that that cell phone # is now you're home #, under the FCC's number portability program.

 

Think a little guys. If you have not land line. include some relative tel as a home number and after approval and received the card. go to the website and change ur tel number to a cel phone o whatever u want. or just let it that way.

 

Nice try, but FDCPA does not apply to OC's. Citibank is an OC. The CA's violation does not affect the OC.

That said, FICO itself gives statistics that only about 5% of accounts or fewer go to collections. With that statistic, Citibank is blanketly refusing to do business with 95% good accounts that will never go to collections because 5% will over something that is not credit related.

They could use the same argument for not lending to people with blue eyes, brown hair, being over or under weight, living in even numbered zip codes and a host of other non-protected statuses in the Consumer Credit Protection Act. There are no statistics that i have ever heard of showing taht people with land lines are more liekely to default than people without (like the Insurance Industry's argument for using credit scores), so what is the reason for this idiotic policy?

BTW, even though Citibank declined my account, that didn't stop them from pulling my credit again, AFTER they declined the account. I considered that a non-PP pull and collected $1000 for it.

 

Flying

If they know, or should have known that the number was a cell phone number, and they provide it to their collection agency to use to contact you, then they could be held liable for their collection agency's violation.

This will virtually become impossible for them to determine now that Wireless Number Portability is now a national thing.

 

Re: Re: CITI declined based on NO LAND LINE

I thinbk taht's stretching the concept of vicarious liability beyond recognition.

 

<<
If you have no land line. include some relative phone as a home number and after approval and receiving the card. go to the website and change your tel number to a cel phone or whatever u want. or just leave it that way.
Geo
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So how do you explain it to them when they tell you they called the No. you gave them and it was answered by Magies Pool Hall or Gerties Girdle Shop? ?
>> >>lol


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