Consumer complaint received 2022-08-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This letter is in regards to filing disputes against Citibank, for false claims of delinquent payments. In XX/XX/2022, the first report to credit bureaus was submitted by Citibank maliciously, and unlawfully. this company has no legal right to file delinquency when my account is closed and they refuse to communicate. This bank has failed to provide statements, and explanation of fees, provide payment options, nor will they allow me access to any portion of this account. I spoke with a representative from Citibank in XX/XX/2022 when I lost over 100 points from my credit score due to these malicious and false claims by Citibank. The representative informed me that no additional collection calls would be made, all action would stop on this account. I also informed the representative via telephone and during the same conversation that I would be pursuing Citibank and civil litigation for slander, fraud, and deceptive sales practices. 

On XX/XX/2022, I received an additional notice from XXXX that another delinquency notice was sent to the credit bureaus by Citibank. Again, maliciously and falsely accusing me of delinquent payments on accounts that is closed, where they refuse to communicate, where they have locked me out of all access to this account. I have attempted to speak with representatives, these phone calls were recorded. On the record phone calls, representatives have refused to speak to me about this account. I can not access this account to even obtain the account number, payment options, or to determine if the fees that they are trying to collect are accurate and true. this account was closed and to my knowledge with a XXXX balance. Citibank maliciously closed this account after I filed complaints of discrimination, fraud, slander and deceptive sales practices. Complaints have been filed with XXXX, consumer federal protection bureau, the attorney Generals office, XXXX XXXX XXXX, and city banks ethics department. I have also retained a civil attorney who will be pursuing this company for their unlawful acts in civil litigation. I do not owe this company any funds and their pursuit is absolutely malicious and false. 

They are not following legal guidelines as it pertains to collections. I have been repeatedly abuse, threatened and harassed. This company has knowingly and intentionally discriminated against me, Misgendering me multiple times after being corrected. This company is unlawfully reporting false claims of delinquent payments to credit bureaus. This company is destroying my good name, my credit, and my life. If you go back to payment history on this account, I was never late on a single payment. Each and every single month, those bills were paid and on time. Never once have I been late on a payment. This company is committing fraud and Maliciously attacking its own customers who expose the corruption, misconduct, and the fraud that they commit against customers. You can see in the attachments that this account is closed. I have absolutely no access to it. And once again, Citibank employees, representatives refuse to communicate with me. I have recordings and recorded phone calls of their customer service representatives refusing service, refusing communication, and maliciously pursuing me, discriminating, and recorded committing criminal acts against me. 

These people are lairs, frauds and criminals

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