Consumer complaint received 2016-10-09
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) was mailed a letter requesting validation of a deb they had sent me notice of. 
Validation was requested in a timely manner based on lawful requirements, made within 30-days of receipt of their notice dated XXXX XXXX and received XXXX XXXX XXXX. 
My communications with Debt Collectors is generally duplicated, involving BOTH fax and USPS Priorirty Mail ( which includes free tracking ). 

XXXX XXXX failed to provide any validation. 

XXXX XXXX proceeded with further collection activity as evidenced by their correspondence of XXXX XXXX XXXX demanding full payment of the {$990.00} they claimed to be owed. 

Pursuant to the FDCPA, All Collection Activity Was Immediately Stayed Once I Provided A Timely Request For Validation Until Such Time As Validation Is Provided. HOWEVER, XXXX XXXX proceeded to demand payment in full without providing any validation as requested and required. 

By proceeding with collection activity and demanding payment, XXXX XXXX did violate the FDCPA and XXXX XXXX did violate the XXXX XXXX Consent Order which XXXX XXXX voluntarily entered into with CFPB. 


On XXXX XXXX, XXXX XXXX did author correspondence to me, providing me copies of THREE billing statements claiming that such did validate their claim ALTHOUGH SAID STATEMENTS FAILED TO IDENTIFY ADEQUATE INFORMATION TO VRIFY TH LEGITAMACY OF THE ACCOUNT OR CHANRGES MADE TO THE ACCOUNT. 

On XXXX XXXX, IN A SEPARATE WRITTEN COMMUNICATION, XXXX XXXX also provided documents requesting additional information concerning possible identity theft or mis-use of the alleged account. 

BOTH letters DATED XXXX XXXX were received XXXX XXXX. 

ONE DAY LATER, on XXXX XXXX, XXXX XXXX did author correspondence informing me that I had failed to respond with the additional information they had " previously requested '' and advising me that they were unable to investigate any claims of identity theft without said information. Said notices also received XXXX XXXX XXXX. 

It is clearly UNREASONABLE to expect a person to respond with information and documents that were requested via US Mail ONE OR FEWER DAYS PRIOR, as clearly documents mailed on or after XXXX XXXX would not have been received by the alleged debtor as of XXXX XXXX. 

In that XXXX XXXX has elected to respond and act as if I am 100 % To Blame for all of the failures of XXXX XXXX .... I have elected to file formal complaints with the CFPB and with the State Attorney General 's Office. FURTHER, I am preserving all of my rights to file suit, directly or as a counter action, against XXXX XXXX and any other party who may contact me or attempt to collect this debt based on XXXX failure to provide debt validation as required prior to proceeding with collection activity and demand for payment. 

This matter has been turned over to my legal counsel. Any and all information and communications provided to XXXX XXXX will be done so by my legal counsel and will take place when and if counsel believes it to be in my best interest.

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