My question involves collection proceedings in the State of: Texas
My wife has been served papers from a collection agency suing her for a default on a Citibank credit card. She has never had a Citibank card which she verified via the phone with Citibank yesterday. The information the collection agency's attorneys have given is very close to the information on her credit report from a Chase card, although the card number they gave doesn't match. We want to challenge this based on the fact she has never had a Citibank card but wonder if it is possible that although she got the card through Chase could it have been serviced by Citibank? Doesn't seem reasonable to me, but we don't want to challenge and then find out that the cards are one and the same.

