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Perhaps you’re getting numerous calls from 800-950-5114 (aka 8009505114) or 800-423-4343 or 866-611-1148. If you have the same principles as I, you don’t pick calls from people you don’t know. So let’s help you make sense of who is calling and why they’re calling.

Who is calling from 800-950-5114 and why are they calling me?

If you’re getting calls from any of those numbers, then 800notes says that it’s a call from Citibank. 800-950-5114 is also clearly displayed on Citibank’s website, although the others are not listed. You may have accumulated interest and late fees that have piled up due to unpaid debts. And if you can’t afford your debt, we’ll show you the options you have.

Note: The angles we will consider in this article vary. As such, feel free to jump to the situation that caters to your needs.

The options you have with Citibank if you can afford to pay your debt

So, you’re constantly getting unwanted calls from any of these numbers; 800-950-5114, 800-423-4343, 866-611-1148. And you’re probably wondering how to get rid of the late payment fees and interests.

Obviously, the simple way out is to go online and make payments to clear your debt; however, there is more you can do.

I would recommend calling or chatting with customer support and explaining your situation to them. This is the step I took last week, and I got the additional fees and interest cleared after chatting with my bank’s customer support. I explained to my bank that I forgot, and they understood. Everyone makes a mistake, and they acknowledged that.

Here’s the screenshot of the refund I got:

Options you have with Citibank if you cannot clear your debt

We’d all like to be able to pay what we owe, but a season of financial hardship can make that impossible. So what can you do if you can’t catch up with your debt payments?

Request for Hardship Assistance from Citibank

The Covid-19 pandemic is affecting everyone in the world, so prior to seeking debt relief, you should research the options that Citibank offers. Citibank has a financial hardship program; here it is on their website.

You can ask Citibank to temporarily stop payments, ask that there is interest reduction, or request other means to help you meet your debt payment obligation.

Even though banks tend to favor making a profit over catering to the needs of their customers, you can still apply for assistance in certain instances.

Request that Citibank stops calling you from 800-950-5114

Getting 3-4 calls daily can be pretty annoying, and not being able to tackle the reason for the call can be frustrating. However, almost everyone will favor paying for essential utilities over paying your debt as there are consequences for not doing that.

Luckily, the Fair Credit Reporting Act (FCRA) allows you to request that Citibank or any other bank stops communication with you, whether you’re indebted to them or not.

Here’s a suitable template that you can use

Thanks for buzzing me. But according to the FCRA § 805, I require you to kindly desist from phoning or texting or writing, or contacting me via any other means. Kindly avail me where I can send this communication if you need that in writing per guidelines.

Go into the detail of your finances

You can get a great deal of stress by being indebted, especially in an instance where there are multiple creditors, different concurrent payment dates, and limited income. You should dive into the details of your finances and weigh them with the options you have. This way, you can decide the best option to eliminate your debt.

To have an understanding of your finances, you should use our debt freedom portal to help you understand the choices you have.

Compare Debt Relief Options

If you’re in a dilemma where your income cannot handle your debt, you should opt for a good debt relief option that can help you weather the storm.  The options are:

  1. Chapter 7 bankruptcy
  2. Chapter 13 bankruptcy
  3. Debt Management
  4. Debt Settlement

Whichever option you choose, it will eliminate calls from 800-950-5114, 800-423-4343, and 866-611-1148. It will also give you relief from your debt—that fresh-air you really desire. That said, each option has its own advantages, disadvantages, and costs attached. Irrespective of your choice, ensure that it’s born out of an informed decision.

To help make an informed decision, we’ve designed a free debt relief options comparison calculator; you should try it out:

What would I Do If Citibank Was Calling from 800-950-5114 ( or 800-423-4343 and 866-611-1148)

If I’m in a financial situation where I can pay my debt, I will try getting a reversal on interest and cancelation on the late fee.

If I can’t afford to pay the debt, I would first research if Citibank can help with relief assistance and request that they desist from calling my line henceforth. I would breakdown my financial details to see if I require debt relief or not.

If, after consideration, I see that I require debt relief, I would check out my options and opt for the easiest, cheapest, and fastest while ensuring that my credit score is not impacted.

Situations differ. If you’d like to talk through your options, schedule some time with me through my personalized link. You can also send me an email ( ). 

Post Author: Ben Tejes

Ben Tejes is a co-founder and CEO of Ascend Finance. Before Ascend, Ben held various executive roles at personal finance companies. Ben specializes in Chapter 13 Bankruptcy, Debt Settlement, Chapter 7 Bankruptcy and debt payoff methods. In his free time, Ben enjoys spending time going on adventures with his wife and three young daughters.

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