Consumer complaint received 2021-11-24
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

Pursuant to 15 USC 1692a ( 6 ), Citigroup Inc d/b/a CitiBank N.A. is a debt collector. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in XXXX, have been violated by Citigroup Inc d/b/a CitiBank N.A. pursuant to several federal consumer protection laws. 

I sent a tender/money order on XXXX XXXX, 2021 and a second tender/money order on XXXX XXXX, 2021 pursuant to 12 CFR 204.2, U.C.C. 3-601, U.C.C. 3-603, U.C.C. 3-604, U.C.C. 3-311. Citigroup Inc d/b/a CitiBank N.A. did not adjust my account in accordance with the tenders sent nor did they send proper notification that they dishonored my tender. In response, on XXXX XXXX, 2021, I sent a Notice of Default and Opportunity to Cure to CitiBank 's customer service po box and a Notice of Default and Opportunity to Cure to CitiBank 's Corporate Headquarters ATTN the CFO XXXX XXXX, giving them the opportunity to send confirmation that my account/open end credit plan had been adjusted in accordance with the tenders in full settlement of the alleged obligation sent on XXXX XXXX, 2021 and XXXX XXXX, 2021 or send a Notice of Dishonor to allow me to cure any defects. Citigroup Inc d/b/a CitiBank N.A. failed to do either and continued to attempt to collect the disputed alleged obligation. 

In their continued attempts to collect the disputed alleged obligation, Citigroup Inc d/b/a CitiBank N.A. repeatedly violated SEVERAL of my federally protected rights as a consumer in every communication with me. In response to this, pursuant to 15 USC 1692c ( c ), I sent a Cease and Desist demand to Citigroup Inc d/b/a CitiBank N.A. with seven exhibits containing each violation I found labeled and highlighted, as well as an attached invoice for the violations pursuant to 15 USC 1692k and 15 USC 1681n. In addition, pursuant to 15 USC 1692c ( c ) ( 2 ), I invoked my specified remedy as a consumer, natural person, and the ORIGINAL creditor and demanded the following : 1. Zero out the balance on this account 2. Apply a permanent credit to XXXX XXXX XXXX open end consumer credit plan account ending in XXXX in the amount of {$10000.00} 3. Pay the invoice attached for breach of violations and damage sustained in the attached exhibits. Citigroup Inc d/b/a CitiBank N.A. received the Cease and Desist, exhibits with violations, and invoice, on XXXX XXXX, 2021, as verified by the XXXX green return receipt returned to me. Still, Citigroup Inc d/b/a CitiBank N.A. has continued to attempt to collect the alleged obligation and continued to violate my federally protected rights. 

I decided to give Citigroup Inc d/b/a CitiBank N.A. XXXX more chance in a good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card. I sent a Affidavit of Truth on XXXX XXXX, 2021 to Citigroup Inc d/b/a CitiBank N.A., with XXXX attached exhibits, to give them an opportunity to rebut the statements of truth-in-fact on the alleged debt they are still attempting to collect for the account number ending in XXXX. 
Citigroup Inc d/b/a CitiBank N.A. recieved this Affidavit of Truth on XXXX XXXX, 2021 as verified by the XXXX green return reciept returned to me. 
The statments of truth-in-fact regarding violations are as followed ( I have attatched every supporting document/exhibit listed in this Affidavit of Truth to this complaint ) : 1. Fact, The Affiant is the Genuine Creditor 2. Fact, You are the Debtor 3. Fact, You are a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) 4. Fact, Affiant sent Exhibit B via Exhibit C to Citi Bank XX/XX/2021 5. Fact, Affiant sent Exhibit D via Exhibit E to Citi Bank XX/XX/2021 6. Fact, In Exhibit I, You have lowered Affiants credit limit on the account ending in XXXX with no authority to authorize such action in association with Affiants credit card or any account associated with Affiants open end consumer credit plan. Unauthorized use is described in U.S. Code 1602 ( p ) 7. Fact, following the actions stated in line 6 concerning Exhibit I, In Exhibit M, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692d ( 1 ) - use of criminal means to harm the reputation of Affiants person ( 15 U.S. Code 1681 ( 2 ) ) 8. Fact, in addition to the actions stated in line 7 concerning Exhibit M, In Exhibit M, You are violating Affiants rights as a consumer pursuant to 15 U.S Code 1681a ( 2 ) ( A ) ( iii ). Affiant was not given the opportunity to opt-out of having this reported information concerning account ending in XXXX not being furnished reported on Affiants Consumer Report and File 9. Fact, in addition to the actions stated in line 7 and 8, In Exhibit M, You are Violation Affiants rights as a consumer pursuant to U.S. Code 1681b ( 2 ). Affiant never gave You written instructions to furnish or report the account ending in 2429 to any third party 10. Fact, In Exhibit A You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692j ( a ) furnishing certain deceptive forms 11. Fact, In Exhibits A, H, I, J, K, and L, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692e ( 11 ) failure to disclose that you are attempting to collect a debt and communication is from a debt collector 12. Fact, In Exhibits A, H, I, J, K and L, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ) using language or symbols on the envelope and in the contents of the communication that indicates you are in the debt collection business 13. Fact, In Exhibit A, J and L, You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692e ( 2 ) ( A ) the false representation of the character, amount, or legal status of this alleged debt 14. Fact, You have acted in dishonor by not applying my deposit, Exhibit B, defined in 12 CFR 204.2, which violates FDIC regulations 15. Fact, You have acted in dishonor by not honoring Exhibit B, pursuant to Public Law 73-10 and Uniform Commercial Code 3-603 I have been violated by Citigroup Inc d/b/a CitiBank N.A. , pursuant to 15 USC 1692 and 15 USC 1681, a total of twenty times in the attached exhibits ( not including repeated violations in the attached exhibits ), and Citigroup Inc d/b/a CitiBank N.A. is civilly and criminally liable for the damages I have sustained as a consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in 2429

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