Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : File Number XXXX XXXX  Matter # XXXX To Whom it May Concern : I am writing in response to the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. Contrary to XXXX XXXX claims, my complaints are not merely allegations but are supported by concrete evidence and reflect serious violations of federal and state laws. 

Specific Issues and Violations : XXXX. Initiating Legal Actions Based on Inaccurate and Unverifiable Debt Claims : Complaint Reference Number : XXXX Violations : FDCPA, FCRA, XXXX XXXX XXXX XXXX XXXX initiated legal actions without providing accurate and verifiable debt claims. The lawsuit filed on XX/XX/XXXX, under XXXX # XXXX, is based on debt claims that were not properly substantiated. 
XXXX. Denial of Relief Due to the Pandemic : Complaint Reference Number : XXXX Violations : FDCPA, FCRA. 
Evidence : XXXX denied relief options available during the pandemic, which led to derogatory reporting and predatory fees, exacerbating the financial distress caused by the pandemic. 
XXXX. Predatory Fees and Continued Reporting of Outdated Information : Complaint Reference Number : XXXX Violations : FDCPA, FCRA, XXXX. 
Evidence : XXXX engaged in the collection of predatory fees and continued reporting outdated information, causing significant damage to my credit report and violating federal and state regulations. 
XXXX. Attempted Collection of Debt Not Owed Without Verifying the Debt : Complaint Reference Number : XXXX Violations : FDCPA, FCRA. 
Evidence : XXXX attempted to collect a debt not owed, without verifying the debt, as mandated by the FDCPA. XXXX XXXXXXXX XXXX Notice sent on XX/XX/XXXX and subsequent communications failed to provide adequate verification of the debt. 

Summary of Violations : XXXX XXXX XXXX XXXX, XXXX : Complaint XXXX : XXXX violations ( FDCPA, FCRA, XXXX XXXXXXXX XXXX ) Complaint XXXX : XXXX violations ( FDCPA, FCRA ) Complaint XXXX : XXXX violations ( FDCPA, FCRA, XXXX XXXX Complaint XXXX XXXX XXXX violations ( FDCPA, FCRA ) Citibank : Complaint XXXX : XXXX violations ( FCRA, FDCPA ) CFPB Complaint : I have filed a complaint against Citibank with the CFPB and have yet to receive a response regarding their relationship with XXXX and the substantiation of the debt claims. 
XXXX XXXX : Complaint XXXX : XXXX violations ( FDCPA, FCRA ) Total Number of Documented Violations : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX violations Citibank : XXXX violations XXXX XXXX XXXX XXXX  violations Grand Total : XXXX documented violations. 

Compensation Request : Given the financial and emotional distress caused by these continuous and unlawful practices, I am seeking restitution for : XXXX. XXXX XXXX : {$1000.00} per documented violation, totaling {$14000.00}. 
XXXX. Cease and Desist Orders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from further unjust practices and collection attempts on resolved accounts. 

Conclusion : If XXXX XXXX insists that my statements are mere allegations, I compel Citibank, XXXX XXXX XXXX XXXX to provide substantial evidence to refute my claims, rather than making baseless assertions. I have made efforts to contact Citibank directly to obtain documentation or correspondence confirming their relationship with XXXX, but none has been provided. Furthermore, please note this is the third time XXXX and XXXX XXXX have responded that this situation was hard to decipher or comprehend, which may be the initial issue causing problems with this matter. I firmly request that XXXX, XXXX XXXX, and Citibank produce substantial evidence or documents that show my statements are contrary. The necessary documentation requested should still be on file with XXXX XXXX clerks office and in your possession if you submitted to continue pursuing the judgment in XXXX. Failure to produce those documents means pursuing the judgment is illegal. I understand why you say that you do not report to the credit bureaus, but based on case law, this does not exempt you from being governed by the FDCPA or FCRA. Furthermore, I also will be contacting the XXXX XXXX XXXX XXXX to obtain all documentation submitted for the judgment and accepted by their office. 

This is the last opportunity for XXXX XXXX, Citibank, and XXXX to avoid further legal action and resolve this matter out of court. If a settlement offer is not reached or mediated by either party within 10 days, I will pursue legal action based on who is directly liable, all the way to the source origin. I offer a final settlement of {$5000.00} to resolve this matter amicably. 

Responses to Specific Points : XXXX. Documentation for the XXXX XXXX : You mention that you can not affirm how this matter was reviewed for suit 14 years ago. However, the necessary documentation should be on file with XXXX XXXX clerks office and in your possession. Pursuing the judgment without these documents is illegal. As per the case of XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), debt XXXX must adhere to strict standards of evidence. 
XXXX. XXXX Pandemic Relief : You state that you do not understand what statute required forgiveness of debt during the XXXX pandemic. The XXXX XXXX provided protections for consumers, including relief from debt collection activities. The hardship policies should have accounted for this. As per XXXX U.S.C. XXXX, unfair practices in debt collection, including not recognizing economic hardships, are violations. 
XXXX. Predatory Fees and Attorney Fees : You claim no predatory fees were collected. However, the amount sought included statutory fees and interest, which were predatory given the context of the debts age and the economic conditions. As per XXXX U.S.C. XXXX, false or misleading representations are prohibited. 
XXXX. Validation of Judgment : You refer to the validation of the judgment. However, proper validation requires more than just a courts acknowledgment ; it requires substantial and accurate documentation. As per 15 U.S.C. 1692g ( b ), a debt collector must cease collection of the debt until verification is provided. 
XXXX. XXXX XXXX : While you are representing XXXX XXXX XXXX you are also required to adhere to ethical standards, including transparency and fairness. The American Bar Associations Model Rules of Professional Conduct Rule XXXX states that a lawyer shall not knowingly make a false statement of material fact. 
XXXX. Cease and Desist Communication : I acknowledge your intention to cease communication unless requested by the XXXX. Please ensure that all my disputes are thoroughly communicated to XXXX XXXX and Citibank. 

Inquiries and Additional Points : Efforts to Contact Citibank and XXXX XXXX : I have also contacted XXXX XXXX and Citibank through the CFPB ( Complaint Reference Numbers : XXXX and XXXX ) with no satisfactory response. 
Request for XXXX to be Vacated : Given the numerous violations and lack of proper documentation, I request that the judgment be vacated or rescinded. 
Compelling Transparency : I compel Citibank, XXXX XXXX, and XXXX to be transparent in their business transactions and provide the necessary documents to substantiate their claims. 

Thank you for your attention to this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of the Comptroller of the Currency ( OCC ) Federal Trade Commission ( FTC ) National Credit Union Administration ( NCUA ) XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) Consumer Financial Protection Bureau ( CFPB ) Enclosures : Relevant complaint documents and account statements