Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I feel that I have become the victim of unscrupulous debt collection agents that have taken extraordinary actions to deny my due process rights. 
The first Alleged Plaintiff is XXXX  XXXX, XXXX, the garnishee is listed as, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX ID : XXXX, Their agent is XXXX XXXX, attorneys for the plaintiff is the XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ID Number XXXX, represented by the following attorneys filing this Garnishment with my employer, XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ). This action was filed in the Manistee Justice Court of the State of Arizona in and for XXXXhe County of XXXX Case # XXXX in Surprise, Arizona, notarized by a State Notary, XXXX XXXX XXXX XXXX XXXX, State of Oklahoma, and approved for the plaintiff with a stamp from a Justice of the Peace. At no time was I given the opportunity to challenge this action nor, did I consent to have my case heard before a Justice of the Peace, along with not receiving instructions on how to challenge the filing, Also, I was unable to verify the date of the alleged debt. 
The second alleged plaintiff is XXXX XXXX I, as assignee of Citibank, represented by the law firm of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ID : Number : XXXX whose attorney for the plaintiff XXXX XXXX ( XXXX ) is attempting to file a civil action in the Manistee Justice Court to be heard before a Justice of the Peace, Case # XXXX. At no time was I given the opportunity to challenge this action nor, did I consent to have my case heard before a Justice of the Peace, along with not receiving instructions on how to challenge the filing, Also, I was unable to verify the date of the alleged debt. 
All the above entities are associated with XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Number : XXXX, their law practice is listed as temporarily closed and the phone number listed has been reassigned. XXXX XXXX is currently doing business as XXXX XXXX XXXX XXXX, which is the plaintiff represented by the XXXXXXXX XXXX XXXX XXXX, in Justice Court. 
XXXX  XXXX XXXX are for small claims and civil suits that do not seek an award of more than {$3500.00}. They are designed for people to be able to represent themselves in court. Small claims court cases are held in Justice Court locations. There are NO juries, NO appeals, and NO attorneys allowed in small claim cases. Attorneys ( unless representing themselves ) can not appear, take part in the filing, or represent either side unless everyone agrees to it in writing, I did not consent to have my case heard in a Justice Court outside of the city in which I reside. 
On Tuesday, XX/XX/2022, I contacted all parties concerned to inform them that I would be filing this complaint in 13 days should we fail to reach a resolution in this matter, the law firms were contacted by both Email and the United States Postal Service, Certified Mail, that effort was not successful leaving me with no option other than to file this complaint. 
The XXXXXXXX XXXX XXXX XXXX is currently taking more than 25 % of my disposable income, with an order from a Justice Court stamped by a Justice of the Peace that I was not provided the opportunity to contest. They used 40 hours as a base, due to the pandemic, my hours have been cut due to lack of work, yet they are still taking 25 % of my pay based on a 40-hour work week. 
. This has created a financial hardship for my family.

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