Product: Debt collection

Dear Citi XXXX XXXX XXXX, Thank you Citibank for your time and help on this very stressful well-being ever since the demands from XXXXXXXX XXXX XXXX 

I have reached XXXX XXXX to identity the the underlying company and was told that ONLY Citi can revoke these claims with an affidavit to support so that XXXX XXXX will then refund the paid sum of {$1200.00}. 

Below are the key points : XXXX. XX/XX/XXXX, I got a call from XXXX XXXX with a litigation threat lien on my home if I do not pay up a debt that occurred in XXXX and was given 24 hours to respond or I will be forced to XXXX XXXX. My family were under severe enormous stress with anxiety and we could not figure out or trace this debt as we intended to take the correct actions. XXXX XXXX mentioned that I need to contact ONLY Citibank to correct this with an affidavit support and then they will refund {$1200.00} paid. 

XXXX. After many weeks of calls to Citibank, on XX/XX/XXXX, I finally received a letter in the mail from Citibank regarding account ending XXXX which states that this account was opened on XX/XX/XXXX, with outstanding balance of {$880.00} and was charged off as bad debt on XX/XX/XXXX. Citibank confirms they do not have any account statements to account ending XXXX and confirms that they have no relationship with XXXX, XXXX. 

In summary, Citibank, which is the original source lender, confirms the debt of {$880.00} was the final balance on XX/XX/XXXX, and unable to provide any account statements for validation as I believe it is an identity theft. 

Since XX/XX/XXXX after many requests, I have NOT been provided the following details but on XX/XX/XXXX in goodwill paid XXXX XXXX - {$1200.00} with agreement for full reimbursement if any facts such as year of debt origination and total amount of debt or any other facts is found to be falsified or incorrect. 

According to office of Attorney General of Minnesota, I have NOT been provided the following details : A full itemization of the debt, including a breakdown of the total principal, interest, fees, and other charges. 

The service or merchandise purchased with the debt. 

The full name and address of the debtor at the time the debt was incurred and the last four digits of the debtors Social Security number.

The full name and address of the original creditor. 

A copy of the original contract. 

Other documents to support the debt. 

My dispute is based on According to office of Attorney General of Minnesota and following details : XXXX. Under Minnesota law, Minnesota Statute XXXX, a lawsuit based on an unpaid debt expires if it is not started within six years of when the account was last used or the last payment on the debt, whichever is later. 

XXXX. XXXX XXXX stated on the first call that the debt originated in XXXX but later changed to XXXX BUT Citibank states it originated in XXXX. I sense fraudulent intent and misrepresentation of the facts to mislead my goodwill. 

XXXX. I challenged the debt in XXXX as I had only arrived in the XXXX in XXXX of XXXX and only used a debit card from a local bank. I believe that I may have endured identity theft and I could not find any evidence or recollection of using a Citibank card in XXXX. 

Please call XXXX XXXX and remove this debt collection so that XXXX XXXX at XXXX XXXX can refund the total sum paid and I am still happy to work with you, Citibank, to remediate this situation accurately. 

Thank you for your kind help and advice on helping us to remediate this unpleasant journey. 

Kind regards, XXXX XXXX