Product: Debt collection

To : XXXX XXXX, XXXX. XXXX XXXX file numbers including XXXX and XXXX regarding your attached letters dated XX/XX/2023 concerning XXXX accounts XXXX XXXX and XXXX XXXXXXXX. From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX -notice of the XX/XX/2023 filing of XXXX separate consumer XXXX page demands for arbitration with the XXXX in XXXX styled XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX credit cards ending in XXXX, XXXX and XXXX. XXXX has assigned separate case numbers for each XXXX credit card account as set forth in my attachments. Pursuant to attachments, based on my papers and dates received, the deadline for XXXX to respond and Answer to each of my separate claims has expired. XXXX has not asked me for an enlargement of time to respond as required by XXXX XXXX and no request has been sought nor received from XXXX bypassing XXXX duty to confer with opposing parties. Your attached letter references my request for arbitration and included a blank form to file arbitration demands to XXXX. As you know, I have been demanding for over a year that disputes be resolved in arbitration pursuant to XXXX XXXX provisions requiring XXXX to arbitrate as its sole dispute resolution remedy. I finally filed my own XXXX  consumer demands on XX/XX/2023 when it became evident that XXXX would not file its claims with XXXX as required. XXXX should promptly pay the required {$1800.00} or {$600.00} for each of the XXXX cases plus the huge arbitrator fees for IN/PERSON hearings demanded in XXXX to XXXX issues. Moreover, XXXX is limited to filing counterclaims with XXXX and paying additional XXXX filing fees for counterclaims. Since Citibanks legal department in XXXX Florida has been dealing with my XXXX XXXX assigned cases with its assignment of counsel, I have deleted exact sensitive XXXX case filing numbers to maintain confidentially and prevent communication with XXXX except by counsel of record selected by Citibanks legal department. I interpret your including a blank XXXX form to file for arbitration as an acknowledgment that litigation is prohibited once I have demanded and/or chosen or elected to arbitrate or formally filed with XXXX Any attempts to litigate will be impossible and fruitless and result in years of XXXX XXXX XXXX filings which will certainly ultimately compel arbitration. I trust that you will let XXXX deal with the XXXX XXXX cases without muddying the waters with your involvement or interference. While XXXX should have but most likely did not advise you of my XXXX XXXX cases, I feel obligated as a courtesy to disclose the XXXX XXXX filings to you to cut off any defenses if inappropriate action is taken after knowing the existence of XXXX cases. Any inappropriate action by XXXX and its counsel or agents will be brought to the attention of every XXXX arbitrator so it is best to step aside and let the arbitrator decide disputes without making matters worse. I hope you will understand and let the arbitration process proceed without complications and interference. Anyway, thanks for your letter and I hope your client can wake up and try to settle disputes before huge attorneys fees and XXXX and Arbitrator fees accrue. Since I am in poor health with no non-exempt assets or income to garnish, XXXX is wasting its shareholder resources. Sincerely, XXXX XXXX