Need everybody to help me identify a credit card issuer!

I am TOTALLY freaked out today because I received a phone call from PN Financial (a collection agency) stating that they are seeking to collect on a $1,9XX debt from a visa card issued by Citi Financial. The lady said the card was opened in 2014, and charged off in 2016.
Now I know I never have had a Citibank card, so I told her that. She then said on her end, as a collection agency, it says Citi Financial so it could also be a store credit card that was actually Citi.

Ok… that could be. I know I paid off everything that was on my credit report in 2011ish though so I figured it was a matter of pulling out the zero balance letters as proof and faxing it in. I also knew that this account wasn’t on my credit currently, so I was simply asking for more info because I wanted to ensure this was not a mistake or fraud.

I never gave this lady any of my info, but she had all accurate info – down to several friends listed as references, and the last 4 of my social.

I hung up with her and called Citibank to see what I could find based on the info she gave me. They couldn’t find anything under my name or SS, but I did speak with several different people who all told me a lot of different things… so I am not sure this is accurate anyway. Seems as though without knowing the issuing store its hard for them to look up the subsidiary cards. Also on the PN Financial side it says “Citi Financial” which Citibank said might be a separate but affiliated group (lady wasn’t sure because there’s different branches). But I can’t find a good number for Citi Financial aside from local branches, which I called and they said they don’t have credit cards.

If I was able to verify the origin of this debt, I would be able to figure out if this is legitimate or not. I know the first 4 digits of the card they’re alleging is mine are 4985. Citi told me that all cards are coded, so for example 4985 might be linked to Home Depot or Walmart specifically, etc.

Anybody have any credit cards or HAD any cards starting with 4985? If so, what store was it?

I feel like I have everything settled and this must be a mistake… but I am just not fully prepared to resolve this without more info about what the heck this was from.

Please, if you have a moment to help me identify I would appreciate it! If it turns out to be legit I want to set up a payment plan to settle so I can’t be sued. Texas SOL is 4 years so thats up, but I have no idea what state the card wouldve been issued from so that SOL may be active.…

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