Product: Credit card

Subject : Formal Complaint Regarding Unauthorized Account Closure, Disputed Charges, Violations of Federal Law, and Demand for Forensic Audit Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against Citi regarding the improper handling of my credit card account. The following issues have occurred : 1. Unauthorized Account Closure 2. Unresolved Disputed Charges 3. Improper Demands for Payment on Prepaid Debt 4. Violation of Federal Laws, Including Mail Fraud, Securities Fraud, and Bad Faith Practices These actions have caused financial harm, undue stress, and potential violations of my rights under federal law.

*Details of the Issues 1. Unauthorized Account Closure On Thursday the XXXXXXXX XXXX XXXXXX/XX/year>, I contacted Citi to update my signature on file. During this call, I was shocked to learn that my account had been closed without my knowledge or consent.

I was not informed of any review, investigation, or risk of account closure before this action was taken.

To date, Citi has failed to provide formal communication explaining the reason for the closure or the criteria used to justify this decision.

2. Disputed Charges There are charges on the account that I did not authorize.

Citi closed my account before giving me the opportunity to dispute these charges.

No investigation or resolution of the unauthorized charges has been provided, which violates my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

3. Improper Demands for Payment I have received correspondence from Citi demanding payment for a debt that has already been prepaid per 18 U.S.C. 8, which defines obligations of the United States as legal tender. Citis demand constitutes mail fraud under 18 U.S.C. 1341, as the company knowingly sent these demands without valid grounds.

4. Securities Fraud and Bad Faith Practices Citi has acted in bad faith by exploiting my estate and trust account without my full knowledge or consent, exceeding the scope of any contractual agreement. These actions may constitute securities fraud under 18 U.S.C. 1348, as they involve deceptive practices in handling my account and trust assets.

*Impact on Me The unauthorized closure of my account and mishandling of disputed charges have caused : Significant financial hardship and disruption of my ability to access credit.

Inability to secure housing, preventing me from putting a roof over my childrens and my own head.

Concern about potential damage to my credit score and financial reputation.

Emotional distress from Citis lack of transparency and failure to comply with federal consumer protection laws.

*Resolution Sought To address these serious issues, I demand the following : 1. Forensic Audit : A full forensic audit of all transactions, payments, and account activity to identify any fraudulent, unauthorized, or improperly recorded transactions.

2. Reinstatement of Account : Reopen my account with the same terms, credit limit, and benefits as before closure.

3. Reimbursement and Fee Waivers : Remove all unauthorized charges, fees, interest, and penalties associated with the disputed transactions.

4. Credit Repair and Monitoring : Correct any adverse impacts on my credit report and provide complimentary credit monitoring services.

5. Compliance with Federal Law : Assure compliance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and other applicable laws.

6. Fraud Prevention Measures : Implement enhanced fraud detection and prevention protocols to safeguard my account.

7. Goodwill Compensation : Provide account credits, rewards points, or financial compensation to address the inconvenience and financial harm caused.

8. Investigation Report : Deliver a detailed report of the investigation findings regarding the unauthorized account closure and disputed charges.

*Violations of Federal Law 1. Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Citi has failed to ensure the accuracy of the information reported about my account and has neglected its duty to investigate disputed charges.

2. Mail Fraud ( 18 U.S.C. 1341 ) : Citi knowingly sent correspondence demanding payment for a prepaid debt.

3. Securities Fraud ( 18 U.S.C. 1348 ) : Citi has acted deceptively in managing my account and trust assets, potentially violating federal securities laws.

4. Fair Credit Billing Act ( 15 U.S.C. 1666 ) : Citi failed to provide me with an opportunity to dispute unauthorized charges before taking adverse action on my account.

*Next Steps I request the CFPBs assistance in holding Citi accountable for these violations and ensuring that my concerns are resolved promptly and thoroughly. Should this matter remain unresolved to my satisfaction, I reserve the right to escalate my complaint to other regulatory bodies and pursue legal action through arbitration or the courts.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX