Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX *Date and $ amount is approximate. See Attached [ XXXX  ] for copies of actual documents for my complaints of this case. { This is a complaint against XXXX XXXX corrupt business practice conspired with Staples and previously filed a complaint against XXXX ( Cross References [ XXXX  ] Complaint ID XXXX and XXXX ; dated XX/XX/XXXX ). These complaints are against XXXX XXXX  and Staples. 

On XX/XX/XXXX, we applied for mortgage XXXX XXXX loan # XXXX On XX/XX/XXXX, we received conditional approval for the loan. 
On XX/XX/XXXX, we were asked to pay {$540.00} for the appraisal and credit report. XXXX XXXX told us to sign a waiver of receipt for the amount we paid. 
We were notified via emails by the XXXX XXXX  that our property have 4 ( four ) liens : ( 1 ) $ XXXX [ XXXX  XXXX ] ; ( 2 ) $ XXXX [ XXXX XXXX ] ; ( 3 ) {$3800.00} [ XXXX XXXX and XXXX, XXXX XXXX ] ; ( 4 ) {$890.00} [ XXXX XXXX, XXXX. ] We replied back to XXXX that we know nothing about $ XXXX and $ XXXX debts and the other debts from Staples and XXXX have been discharged on XXXX XXXX, XXXX, by the Federal Bankruptcy Court Case No. XXXX. We researched XXXXien on our property and there are none recorded and no property lien judgment was entered. 
XXXX XXXX XXXX XXXX Default judgment in XX/XX/XXXX was superseded by XX/XX/XXXX, State Courts judgment Indefinitely continued- Indiana XXXX Court Case No. XXXX XXXX XXXX, XXXX. ] and immediately followed by Order of Federal Bankruptcy Court on XXXX, XXXX, XXXX XXXX Staples and XXXX [ XXXX XXXX ]. 
No creditor filed in the federal bankruptcy court for their claim of money or dispute. [ XXXX XXXX ]. 

CONCLUSION : 1. XXXX XXXX should have a title search before giving us Conditional Approval and took ~ {$600.00}. from us. Had XXXX XXXX done that we will not pay the fees to continue the loan process. 
2. XXXX XXXX contacted the discharged debtors without our consent. XXXX XXXX  and discharged debtors ( Staples, and XXXX ) conspired to claim lien and money to get paid from a new loan in progress as the conditional of the loan is amounts to a conspiracy to commit fraud and violation of XXXX. [ XXXX XXXX, XXXX. ] 3. Lien Holder must sign and certify the release/waiver of lien unconditionally XXXX XXXX XXXX. ] 4. Copy of ATTM XXXX as follow ( XXXX XXXX officer wrote ) : ================================================================== XXXX, XXXX XXXX Fri, XX/XX/XXXX at XXXX XXXX To : cc XXXX Cc : " XXXX, XXXX '' XXXX, XXXX XXXX, XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX '' XXXX As XXXX explained before, you have three options : 1. Pay the liens off with the proceeds of the new loan. If you want to go this route, let us know by Monday so we can finalize everything and get this closed for you by the end of the month. 
2. Petition the court to have the liens removed and once they are removed, reapply for the loan. The appraisal is good until XX/XX/XXXX so if we go past that date, we will have to get it updated and there will be a fee for that. 
3. Cancel the loan and we will request a refund of your appraisal fee but my boss was very clear that even though we request it, we are not stating it will be refunded. We have a team that decides whether the fee can be refunded. 
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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