Citibank unsolicited SMS.

by Edge88
10 replies
So, I owe Citibank some money from student loans. Not the proudest thing I;ve done, but I'm dealing with it as I can.

Now these A**holes decided they are going to text me to collect. They've recently sent me a text message asking me to call them. Of course I did not opt in, this is a collection attempt anyways.

A couple of weeks later they text my mom the same message because she is a co-signer on my loan.

Now of course it's not that huge of an issue getting a text message. But it's illegal isn't it? Why is Citibank sending unsolicited SMS? What can I do to hit them back in a way it'd hurt?

ps. thanks for the student loans Citi, 12% interest rates on a co-signed student is an awesome deal
#citibank #sms #unsolicited
  • Profile picture of the author bumkeun
    Um...I'm not sure what that falls under.

    AT&T sends me text messages when I owe them money.
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  • Profile picture of the author xlfutur1
    I would imagine this is the same as being on the Do Not Call registry and getting harrasing phone calls from collection agencies if you owe them money. When you owe a debt, the rules probably go out the window.
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    • Profile picture of the author Darrett
      Unfortunately I think your debt to them trumps their unsolicited text message.
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      • Profile picture of the author Lee M
        Originally Posted by Darrett View Post

        Unfortunately I think your debt to them trumps their unsolicited text message.
        Speaking of REAL unsolicited text messages...

        I have received 5 unsolicited text messages from LONG CODES (10 digit numbers) ... over the past year ... but NONE from SHORT CODES.

        It's usually some pitch to click on a link saying, "You've won a $1,000 gift card from Target or Walmart or Macy's..." That kind of stuff.
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  • Profile picture of the author shane_k
    I highly doubt it would be considered illegal or unsolicited because...

    1) You gave them your phone number when you first signed an agreement with them

    2) You owe them money from said above agreement and they are following up to try and hold you to your promise. That is in their right.

    Most banks know that on average it takes about 8-10 years before a student loan is paid off. And in all that time most of the money they make off of you is from the interest, not the principle.

    So the absolute best thing that you can do to hit them where it hurts is to use your Internet Marketing skills (I assume you have some as you are a member of this forum) and pay off your student loan as quick as possible thus limiting the amount of money the bank will make from you in interest.


    Obviously this is not what you were hoping to hear, but you and your mother did sign the those loan papers so you are accountable for paying that money back no matter if you are angry about the interest.
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  • Profile picture of the author Edge88
    Yeah, of course I am accountable for paying the money back. Of course I would like to pay it all off today if it was possible. I understand how interest works!

    thanks for the advice.
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  • Profile picture of the author tac88
    This is the phone #to put any phone on a do not solicied list 1888-382-1222 also text them back stop
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  • Profile picture of the author WillR
    If it's a business you are dealing with I think you'd find it hard to say they are unsolicited. I'm certain they would give you an option to opt-out of them?
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  • Profile picture of the author Tsnyder
    Originally Posted by Edge88 View Post

    So, I owe Citibank some money from student loans. Not the proudest thing I;ve done, but I'm dealing with it as I can.

    Now these A**holes decided they are going to text me to collect. They've recently sent me a text message asking me to call them. Of course I did not opt in, this is a collection attempt anyways.

    A couple of weeks later they text my mom the same message because she is a co-signer on my loan.

    Now of course it's not that huge of an issue getting a text message. But it's illegal isn't it? Why is Citibank sending unsolicited SMS? What can I do to hit them back in a way it'd hurt?

    ps. thanks for the student loans Citi, 12% interest rates on a co-signed student is an awesome deal
    Here's an awesome thought... hit them back with a payment. I note the sarcasm
    in your PS and I'm wondering if you've notified the authorities that someone forced
    you and you mother to sign the agreement at gun point...
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  • Profile picture of the author J Bold
    I don't see how a company that you owe money contacting you is illegal. Extremely unlikely it is illegal. It's not even an advertising message. It's a "hey you owe us money so pay up" message. So no, somebody sending you a text that's not advertising is not illegal. You have a business relationship with them so they have every right, even if it was an advertising message.

    Even an unsolicited email that's advertising something isn't truly illegal, contrary to popular belief. As long as you follow the CAN-SPAM guidelines, you are in the clear.

    edit:

    Those are crappy interest rates for a student loan, though, feel for you on that one. Too bad you couldn't have hunted around for a better loan than that, somehow.
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