Consumer complaint received 2022-08-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Notice, it is a fact, I, the affiant, is a consumer and a natural person in accordance with 15 U.S.Code 1692a ( 3 ). 
Notice, it is a fact, I, the affiant was told, I owed an alleged debt proven by EXHIBIT ( 2 ). This is a violation of 15 U.S.Code 1692b ( 2 ). 
Notice, it is a fact, affiant is aware, that XXXX XXXX XXXX has wrongfully accused I the affiant, of a crime which is a violation of 15 U.S.Code 1692e ( 7 ) and has proof EXHIBIT ( 2 ).

Notice, it is a fact, affiant has reason to be believe and do so believes, THE HOME DEPOT in accordance to Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ) Notice, it is a fact, on [ XX/XX/2021 ] I, the affiant, have sent a notice of dispute on the validity of this alleged debt to XXXX XXXX XXXX. During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. XXXX has proof in EXHIBIT ( 2 ) this debt collector not only did not remove the account, XXXX XXXX did not report a notice of dispute. This is a direct violation of 15 U.S.Code 1692g ( b ). 


I do not believe this debt is accurate or is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. You will forthwith return and transmit your written evidences of your delegated authority to represent that you XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on XXXX XXXX, together with a certified copies of signatures contract between you and consumer name, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing consumer name private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation forMonetary damages. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : 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