Consumer complaint received 2023-10-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I sent my first registered mail to Citi Cards XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX pm XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX  c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am when I followed up with phone call they were unable to locate the letter and XXXX XXXX XXXX  ( Citibank 's indentured bank in charge of discharging debt ) RF XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am follow up phone calls showed that the letters were not in system, and I was later informed that they were sent to Citibank in XXXX XXXX I received a letter XX/XX/23 telling me that my account was delinquent, and they were no longer going to contact me due to my letter. They didn't answer any of my questions. 

I will enclose all correspondence I sent them. I have a right to have my questions answered. 
Is my debt valid, or is it being XXXX by The XXXX XXXX  via XXXX A ( I have since filed a XXXX A myself online with the IRS and it was accepted ). 
Is my contract being traded on the Primary or Government market, and then on the secondary or XXXX XXXX? Is my lawful percentage of this consumer transaction 80 %, and they are entitled to a 20 % servicing fee. As per the IRS code income is defined as stocks and property. 
Does my signature with my name and social security number give them access to the Treasury window to get paid? 
Is the statement ( nowhere does it state bill ) they are sending me, actually of a dividend check ( bottom part ) and bond ( top part ) of a XXXX that was created from my credit card account in the Treasury 's XXXX XXXX XXXX? 
Am I supposed to stamp it according to 31 CFR 328.5 and 328.6, and endorse the back of dividend check? 
What does it mean to write over my security rights? Does this deprive me of lawful income and the IRS of lawful taxes? Did they furnish me with all the relevant and necessary information to make an intelligent and informed decision concerning this matter. 
I understand that I gave them implied consent by participating in their automatic payment programs, and giving them access to my bank accounts. 
Having said this, I have questions now that need to be answered, after all a contract is only valid if both parties are properly informed, and both parties sign the contract. I have since then rewritten my contractual agreement, and sent it to their legal department via certified mail. 
There also is a mandatory arbitration clause in Citigroup ( Citibank 's parent company ), nobody has offered me arbitration. 
This is also potential security fraud and tax envision, and falls under FINRA regulations, and needs to be heard there. Citibank is considered a foreign liability company with its headquarters in XXXX  and is governed by the UCC. 
They kept charging me interest and late fees even though we entered a billing error, and took adversed action against me by suing me and closing my credit card which is a violation according to 15 USC 1666 a and 12 CFR 1002.2, UCC 3-603 and 3-604 ( They never returned my stamped and endorsed financial instrument which is sent registered mail ). 
As a federal protected consumer I have a right to ask these questions, and have them answered in an honest and respectful manner. All my purchases were for home and personal use only.

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