Thank you for your reply.
It would be great if he actually had a copy of that writing agreement since the other party has the ability to edit such information. However since there has been a history of such payments, your son can show a pattern of the agreement.
What to do? Since it is now in the hands of collections, your son needs to make contact with the collection agency and demand validation (demand in writing that he now owes collections the money). Under the Fair Debt Collection Practice Act, your son has no written contract with the collector and therefore does not owe them anything without proof. If the collection agency does not verify and proceeds with a lawsuit your son can raise defends to deny them collecting the money.
As to Citibank, your son can legally sue them for breach of agreement. It would requiring filing law suit for breach of contract
and negligence. In the alternative he can file a complaint with the FTC and the NY consumer protection board which regulates banking, but please note these options may be slow in processing.
The fact however remains that since the matter is now sent to collections, your son needs to resolve that issue first. Below is a layman's guide on how to dispute collections. It should buy him sometime while he tries to work out the problems with the lender.
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