After that, I still got calls from collectors who are informing me to pay off my balance which was still not under the Amnesty Program!!! When I explain to them that I’m on the program, they would transfer me to the department in-charge of that. And the same thing happens again and again. That means, they do not coordinate with each other. Customer representatives just call whoever they want to call without having the full knowledge of their customers’ accounts. What’s worse is some of them are really rude and obnoxious, as if they really know what they are saying. Not all of them, I reiterate, only some of them who are stupid to discuss their client’s account without knowing the real deal. They try to intimidate you with their English telephone conversations as if they are professionals but in the end, they will use unprofessional terms and even Tagalog words that are not appropriate for a customer service representative. It is not Citibank per se who should be blamed. After all, we are in gratitude to the company for giving us credit and it is our responsibility to pay whatever we used. However, the tactics that some of their customer service reps should be properly monitored by the company. The problems they are creating are overwhelming. They are only sending out an image that Citibank has a workforce that has no ethics nor respect at all. Even the collection office that are supposedly tied-up with Citibank should be evaluated because their collectors are also harassing the customers. My advise is that no matter what your case is and these people keep on harassing you, which they have absolutely no right to do so, take their names, the time of their call, the exact statement that have offended you and write a letter to Citibank. Everything has to be handled professionally even if their people are not. That would simply show that we are not like them.