Consumer complaint received 2023-10-29
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 letters back in XXXX XX/XX/23 XXXX Bank delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 XXXX Bank delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 Citi Cards delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 Citibank NA delivered XX/XX/23 XXXX pm XXXX XXXX XXXX XXXX XX/XX/23 Bank XXXX New York XXXX XX/XX/23 XXXX am XXXX XXXX XXXX I asked Citibank if they were indeed discharging my debt every year via XXXX A ( current debts ), or XXXX C ( debts older than 3 years. 
I asked if that was indeed the responsibility of their Indentured bank The XXXX XXXX Bank, and their XXXX Bank XXXX Bank XXXX New York XXXX. 
I asked if my signature, name and Social Security XXXX gave them access to the Treasury window to get paid. 
I asked if me signing over my security interest rights to them and me giving them they right to transfer /sell this financial security actually prevents me to properly discharge my debt, and paying lawful taxes according to IRS XXXX we are only supposed to pay taxes on stocks and property. 
I asked If I unknowingly agreed to repay for charges that already have been XXXX, because everything is backed by the Full Faith and Credit of the United States XXXX XXXX XXXX. 
I asked to please provide to me in writing if they are selling and trading my collateral certificate of indebtedness on the primary or government market, and then on the secondary or stock market. 
I asked them if the statement they were sending me every month is indeed a statement of a T-Bill with XXXX bottom part my dividend check ( money owed to me ), and the top part a bond to be traded on the markets. 
I sent them stamped ( XXXX and XXXX ) as payment XXXX times. I have not heard back from XXXX Bank XXXX Bank XXXX XXXX, and Citibank just told me that I have signed the contract, I have since then revised the contract ( 80 % my principal, and 20 % their servicing fee ). I sent a notarized copy to their XXXX Department via certified mail. 
In short I asked them to validate a lawful debt for me. 
I might have given them implied consent by paying them via automatic payments, but it was definitely not informed consent. I never got any kind of mail from them educating me about rights and the different ways to pay this statement. 
Since then they have closed my accounts, and are now suing me despite the fact that they have a mandatory arbitration clause. This is potential securities fraud and tax evasion. Given the fact that they are considered a foreign liability company with their headquarters in Delaware, they fall under the XXXX rules and need to be looked at by XXXX. 
They also took adversed action against me by closing my account, suing me and reporting me to credit agencies ( XXXX XXXX XXXX a ), and violated my open-ended credit plan XXXX CFR XXXX by closing my credit cards. They also violated XXXX XXXX Tender of payment I sent them a stamped ( XXXX XXXX XXXX which was never returned to me ), and UCC XXXX Discharge by XXXX. 
I as a federal protected consumer have a right to ask these questions. All my purchases were for home and personal purposes 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