Consumer complaint received 2018-01-23
Company: CITIBANK, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This new Complaint number is my Feedback to Company 's Response of XX/XX/XXXX that I failed to send due to some problems in the computer system. This is intended to enable Consumer Finance Protection Berau ( CFPB ) and Citibank N.A. XXXX to have the factual information, as feedback to ( Citibank 's ) Company 's Response of XX/XX/XXXX to my Complaint no XXXX of XX/XX/XXXX. 

MY FEEDBACK ON THE COMPANY 'S RESPONSE OF XX/XX/XXXX TO MY COMPLAINTS NO XXXX of XX/XX/XXXX. 
My Feedback to Company 's Response Sentence 1 ( MF TO CRS 1 ). Citibank, in their Company 's response Sentence 1 ( CRS 1 ), twisted the facts about my identity as existing Citibank Customer i.e. 1. I am not only Citibank existing CREDIT CARD AND READY CREDIT customer, but I am also Citibank existing customer of SAVING AND INVESTMENT account. 2. Citibank has stolen my money from my SAVING AND INVESTMENT account. This is why Citibank elliminated my identity as Customer of their SAVING AND INVESTMENT account. 3. I never received those four credit cards 4. These four Credit Cards are all unsolicited. Citibank made a mess to my credit and debit accounts and violated, A. The U.S. Department of the Treasury Regulation Z, for issuing unsolicited Credit Cards prohibited to be issued by a Bank for any uses. B. The XXXX Banking Law no.10 year XXXX   Article 49 ( 1 ) a, b and c, for stealing and eliminating my debit account. MF TO CRS 2. On XX/XX/XXXX I was already XXXX years old of age, I had been no longer qualified for Citibank 's ADD ON CARD PROGRAM according to XXXX XXXX Regulation number 14/02/PBI/2012 chapter 15 A. Paragraphs ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ) and ( 6 ), Chapter 16 Paragraphs ( 1 ), ( 2 ) and ( 3 ). Citibank is to be reported to XXXX   XXXX and further investigated How Citibank could unilaterally offer and unsolicitedly issue those four credit card accounts with no cards delivered to me and whether they are officially recorded and reported to XXXX XXXX and The Federal Reserves of Banks of America? MF TO CRS 3. On XX/XX/XXXX, I protested Citibank for sending me sms billings dated XX/XX/XXXX charging me for annual fees of the unsolicited four credit card accounts without any cards ever delivered to me. This is to be reported to XXXX XXXX and further serves to be my detail report to The CFPB. Citibank can not try to collect any charges of any transactions that have never occured/been made. MF TO CRS 4. I never had a telemarketing conversation with Citibank On XX/XX/XXXX as I had been not anymore qualified for Citibank 's ADD ON CARD PROGRAM following XXXX   XXXX Regulation number 14/02/PBI/2012 chapters 15 A and 16. I had never been contacted by Citibank further after that date for Citibank to comply with the CONSUMER PROTECTION PRINCIPLE of XXXX XXXX Circular Letter No. 14/17/DASP of XX/XX/XXXX. I never have received or signed any written agreement for the offer and never accepted any card delivered to me up untill now. MF TO CRS 5 I  severely object Citibank mentioning in their sentence 5 that my outstanding principal Credit Card as " 'original transaction that I used are not disputable '' My principal credit card is in BIG AND SERIOUS DISPUTE WITH CITIBANK . I refuse to pay my outstanding credit card balance and I accepted the Citi Ready Credit offer to discontinue payments until this dispute is resolved. The U.S. Department of the Treasury advice as published states that I would not need to pay as I already filed a proper billing dispute. The bank can not try to collect any required payment, while the dispute is being investigated. MF TO CRS 6. Citibank had not closed all the four unsolicited credit cards on XX/XX/XXXX according to XXXX XXXX Regulation number 14/02/PBI/2012 Chapter 16 Paragraphs ( 1 ) letters g and h. There have never been any official document closing so far. Besides on XX/XX/XXXX in response to my queries these four unsolicited credit cards were reported to me verbally to have been still active on System Screen of XXXX XXXX XXXX of XXXX Florida USA. 

MF TO CRS 7,8,9,10 and 11. I have the right to raise complaints and to process a lawsuit to Citibank, if Citibank does not resolve the following three FELONIES they did to me causing severe financial losses on My Part during XX/XX/XXXX to XX/XX/XXXX period, AND NOT IMPOSSIBLE, TO THE GOVERNMENTS OF XXXX AND AMERICA i.e. : 1. Citibank issued four unsolicited credit cards under my name. 2. Citibank elliminated Dates of Transactions of Monthly Easy Pay Transactional Reports to me and to XXXX Customers and made unauthorized payments for unauthorized charges during XX/XX/XXXX - XX/XX/XXXX ( 26 years ) period. 3. Citibank Illegaly withdrew my money from my personal Saving and Investment Account on XX/XX/XXXX. The mediation process by XXXX XXXX on XX/XX/XXXX failed to reach a resolution on all of the three FELONIES Citibank did to me. Citibank silently denied and avoided to resolve the three FELONIES and instead offer me for so called a settlement deduction program for the outstanding balance in my Credit Card and Ready Credit accounts. I vehemently refuse this so called " GOOD WILL '' on their offer for payment deduction. I demand for a ). Consumer Financial and legal Protection by any Law Institutions, b ). return of my money stolen by Citibank and c ). reimbursements by Citibank to repair the financial/ material and immaterial losses I suffer using this Formula { A x ( 1 + B ) x C } where A = the total amount of debt claimed that have no dates of transactions during XX/XX/XXXX - XX/XX/XXXX ( 26 years ) period. B = the monthly interest rate reimbursing my business return rate lost. C = number of settlements I made during the period of XX/XX/XXXX to XX/XX/XXXX. MF TO CRS 12, 13, 14, 15, 16 and 17. Citibank can not implement their Credit card terms and conditions of clauses nos 6.2 and 9.5. They are INVALID by operation of law according to the XXXX Law no 8 of year XXXX Chapter V Provision to Include Standard Clause Article 18 Paragraphs ( 1 ), ( 2 ), ( 3 ), and ( 4 ) on Consumer Protection. Citibank can not use their clauses as they contain unilateral actions by Citibank and contravene law no 8 of XXXX and The U.S. DEPARTMENT OF THE TREASURY regulation that states that Banks can not try to collect any portion of any required payment related to the disputed amount while the dispute is being investigated. Even under normal circumtances Banks can not treat their Consumer this type of FELONY. This is a robbery by Citibank. 

MF S 18, 19, 20, 21, and 22, The dispute on Citibank manipulating, elliminating data and stealing my money is not about a discussion on a terminology. This is about a violation/harrassments of XXXX XXXX Regulation no 14/02/PBI/2012 Chapter 16 B Leter e by Citibank. This regulation stipulates that dates of transactions are one of the minimum fourteen data / information that must be included in Citibank BILLING STATEMENTS submitted to me and/or other cardholder ( s ). Citibank 's definition on Easy Pay does not recognize that both retail transaction and fixed installment transaction must have dates of transactions. Elliminating these dates are certainly a violation of/damaging XXXX XXXX Regulation no 14/02/PBI/2012 Chapter 16 B Leter e. Citibank has to be audited, investigated and must be held responsible to reimburse the financial losses for applying this elliminated and corrupted information for all Citi Customers in XXXX as they stated in Company 's Response Sentence no. 22 ( CRS 22 ). MF S 23, 24, 25, and 26, Citibank administer transactions in this ONE BILL SERVICE program only with telephone calls never with other electronic device and hardcopy documents. Bills from the utility companies never delivered to me. I complained and requested for termination of this service but only after more than 5 years Citibank closed them with no communication enabling Citibank to make unauthorized payments for unauthorized charges with their manipulators and collaborators. Citibank is to be audited and investigated by XXXX   XXXX and The Federal Reserves of Banks of America. Ciibank is to be made legally responsible to reimburse for these big losses I suffer as caused by Citibank violation of XXXX Government Regulation NO. 82 year XXXX concerning Electronic System and Transaction Operation CHAPTER IV IMPLEMENTATION OF ELECTRONIC TRANSACTIONS Part 3 Articles 46, 47, 48, 49, 50 and 51.

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