Consumer complaint received 2022-10-23
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 I sent out a formal letter to the CEO of the company informing them of the XXXX laws and United States Codes to give me a conditional acceptance of credit to my account with an explanatory statement which they have received it on XX/XX/2022. Now here 's what I don't understand. I was given the CONDITIONAL CREDIT FOR PAYMENT in the amount of {$7800.00} through their dispute department which I've received an email stating that it was credited for that amount but for some strange reason the company reverse the payment back to it's original amount. Secondly, I also ask for their XXXX to stay in compliance with the IRS but they refused by stating that there supervisor are not aware of the XXXX. Now I specifically, stated I was instructed to do so and must clearly notify the addressed entity that : The IRS requires you to furnish your TIN and that failure to furnish such TIN subjects to penalties and fines imposed by the IRS. And on top of that their representative made a claim stating that they previously reached out to me about the {$7800.00} but I did not respond back and since they so-called haven't heard from me they to start a new investigation that they had. Unfortunately, they couldn't find the payment which is completely false. If they did not get the payment then why was the account credited in the amount of {$7800.00}? Thirdly, I did not get any notification from them through email or by mail at all that completely false because I check my emails and mail daily. lastly, CITI Bank Corp has violated my rights under UCC 3-603. TENDER OF PAYMENT, XXXX. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, XXXX. NEGOTIABLE INSTRUMENT, XXXX. INSTRUMENTS SIGNED FOR ACCOMMODATION, 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption, XXXX. Performance or Acceptance Under Reservation of Rights, 15 U.S. Code 1666b - Timing of payments. Claim : Claimant is forced to use the compelled benefit of having all debts discharged pursuant to the Uniform Commercial Code and pursuant to XXXX XXXX ( all debts are the obligation of the United States, Inc. The contract signed with your company was done fraudulently ; a ). There was no FULL DISCLOSURE ( I was not told that I was creating credit with my wet ink signature ; b ). There is no EQUAL CONSIDERATION ( Your company brought nothing of value to the table so have I nothing to lose ; c ). LAWFUL TERMS AND CONDITIONS are based on fraud ; d ). There is only XXXX WET INK SIGNATURE when there needs to be XXXX signatures ( a corporation can not sign a contract because they are soul-less entities and no third party can sign for a corporation ). 

NOTICE : THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS PRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING LAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS ; Silence is Acquiescence, Agreement, and Dishonor ; Estoppel conditions apply upon default ; Notice to Respondeat Inferior is Notice to XXXX XXXX Notice to XXXX XXXX is Notice to XXXX XXXX

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