Consumer complaint received 2023-01-14
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I received a notice from the IRS stating that Citibank had filed a XXXX with them for the XXXX tax year and that I was potentially liable for almost {$3000.00} in additional taxes due to the XXXX write-off of {$12000.00}. I responded to the IRS stating that I did not believe I was liable for the amount. My husband and I filed a dispute with Citibank XX/XX/XXXX requesting a debt verification or a withdrawal of the XXXX by Citibank within 30 days. As of XXXX XXXX, XXXX we have only received a copy of the XXXX and no other documentation. Our own investigation shows that this debt was allegedly entered into while I was married to my previous husband and per Citibank was cancelled in XX/XX/XXXX. Further, when I divorced my ex-husband in XXXX, he became liable for our joint and individual debts per the divorce decree. I believe that the action taken by Citibank to file this XXXX over XXXX decades after the debt was cancelled is a potential violation of the Servicemembers Civil Relief Act, the Military Lending Act, and the Fair Debt Collection Practices Act due to the age of the account, the time between when the debt was cancelled and the filing of the XXXX, and the fact that as a military member and a military spouse, my and my husband 's due process rights have been violated by being made liable for a debt that we should not be. Moreover, because of the laws previously cited, our military service and the circumstances of the actions taken by Citibank, any terms in regard to fees, costs, or interest would have to be heavily modified due to the interest rates limits imposed on any loans or debts incurred before a servicemember or their spouse entered the military, in this case for me and my husband, XX/XX/XXXX. Citibank has not done this and does not appear to have attempted to verify military service as is required by XXXX law. Further, attempts to resolve this by my husband and I have been repeatedly stone-walled by Citibank, XXXX. By not providing the promissory note or credit application information ( debt verification ) as requested in early XXXX, XXXX. By refusing to deal with my husband as an aggrieved party and military member, citing protection of my personal information, even though they have saddled both of us with a HUGE tax debt for a credit card debt that is XXXX XXXX XXXX and should rightly be put against my ex-husband if against anyone based on the divorce decree, and have spoken to him before by telephone and provided him information. We also faxed an additional dispute on XXXX XX/XX/XXXX we Citibank is seemingly refusing to address since it came from my husband ( but included all the documents I've received at OUR home including my own original dispute ) despite the fact that Citibank should know that they are dealing with a married couple. These actions by Citibank are not fair or justifiable and their lack of prosecution ( waiting over 20 years to do this when the debt was cancelled in XXXX ) and stonewalling is making disputing this matter, as we have a right to, nearly impossible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation