Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
CitiBank and XXXX XXXX XXXX according to 15 USC 1692E false misleading representation the threat to take action that can not legally be taken or that is not intended to be taken The false representation of implication that cell referral or other transfer of any interest in a debt shall cause to consumer to lose any claim or defense to payment or the debt or become subject to a practice prohibited. 14 the use of any business company or organization name other than the true name of the debt collector 's business company or organization. 16 The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681A f of this title. According to 1692F on fair practices two it states the acceptance by a debt collector from any person of a check or other payment instrument posted by more than 5 days unless such person is notified in writing of the debt collectors intent to deposit such tech or instrument not more than 10 or less than three business days prior to such deposit. Also the collection of any amount including any interest fee charge or expense incidental to principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Number six ( 6 ) taking or threatening to take any non-judicial action to affect disposition or disablement of property. Notice provisions The sending of or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by the title 16 title v of gram leech Bailey act 15 USC 6801 or any provision of federal or state law related to notice of data security breach or privacy or any regulation prescribed under any such provision of law shall not be treated as an initial communication in connection with a debt collection for purpose of this section. According to 15 USC 1692 I legal action by debt collectors in case of an action to enforce any interest in real property secured the consumers obligation bring such action only in a judicial district or similar legal entity in which such real property. It has been brought to my attention according to 15 USC 1692 ( J ) furnishing creation deceptive forms a it is unlawful to design compile and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor or such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owe such credit tour when in fact such person is not so participating. It is also true any person who violates is section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692K of this title for failure to compile with a provision of this subchapter.

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