Consumer complaint received 2021-06-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A XXXX off natural person, original creditor, consumer I am! Macy's/DSNB has been playing with my credit regarding an alleged debt they claim I owe. For the last few months of XX/XX/2021, XX/XX/2021, I have been calling into the customer service department because of various issues with my account. I had to call in over five times in XX/XX/2021 because my credit transactions continued to be declined knowing that I had available credit. I spoke to one representative and was informed that she didn't know why my transaction was being declined and received an apology and was able to get my transaction to go through. I was XXXX off because for one, you don't decline someones transaction in public knowing that there is credit available. I called in several more time in XX/XX/2021 because my account was declined for transactions, I ask to speak with a supervisor and I explained several times that I had credit so why was my transactions being declined. She allowed some pending transactions to go through. I told the supervisor that I have an open end credit plan and she told me that I haven't been approved for an open end credit plan. Who gave you Macy 's the right to pick and choose who gets access to their own credit as I am the natural person the origin of creditor and the only reason you are a creditor is because I extended my credit. Pursuant to 15 USC 1692g g ) The term " creditor '' refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. Once again I had to call in XX/XX/2021 in days later because of declining transactions and was told I needed to speak with the fraud department to confirm my transactions and verify identity. I was verified and confirmed transactions and told one of the guys I spoke to that he needed to be investigating themselves ( Macy 's ) for fraud. They are not the original creditor and unauthorized use of my credit constitute fraud. I also, informed Macy 's to stop declining my transactions but they continued to do so. I spoke to a guy who was suppose to be a supervisor in XX/XX/2021 and he told me that he was deliberately going to decline my transactions on purpose which all of my transactions are for household use for family. On one of the calls initiated in XX/XX/2021 a representative ask me if I had any other accounts with them. Excuse me, why are you asking me about if I have another account with you when I am specifically calling in in regarding to this XXXX XXXX Macy 's account. I can see now that I am being XXXX against due to whatever they are seeing and asking about something that may be linked to why my transactions are being declined. Non of the representatives could explain and didn't see why when I had credit available. I ask to speak to a supervisor again in XX/XX/2021 and I told her that I have an open end credit plan and my account should not be declining transactions. She told me that I was not approved for an open end credit plan. I told her that they do not make that determination the law does. That would be exactly why THE TRUTH IN LENDING ACT was created because of corporations was set forth to deceive the consumers. 

1601. Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 

( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. The crazy part is Macy 's started routing my calls directly to another department besides customer service in XX/XX/2021. I called in and immediately after being verified the representative informed that she would have to transfer the call. All this nonsense by Macy 's due to me knowing that I am the original creditor and that I have an open end credit plan that they refuse to accept. Macy 's representative supervisor stated that I didn't have credit left and I went over the limit. There is no way possible when it is my credit and as the original creditor I have the right to extend myself credit for household use. You don't have the right lawfully to deny. You don't even have a right to say I owe any debt pursuant to 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; A judge can't even say that I owe a debt pursuant to 15 USC 1692 ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Attorney 's have no power to collect on any debt. If a judge can't say I owe then how in the world did you think you can tell me the original creditor, consumer natural person. I invoke my rights as the original creditor. 
We have a conundrum the definition of money is a political decision that you can not define and you can not tell me to pay gold and silver because its not in general circulation and you cant tell me to pay with federal reserve notes because you would perjure your oath, so we have a conundrum on the record, I invoke being a consumer and I dispute nunc pro tunc pursuant to 15 USC 1692h, excluding the first payments back treble for not willfully disclosing valuable information. Mail all payments made on all accounts past and present to XXXX XXXX XXXX, XXXX, Ca XXXX via check. Cease and desist from all forms of communication in collections of all alleged debts you state I owe. XXXX

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