Consumer complaint received 2023-10-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I sent my first registered letter to Home Depot to put my statement into a billing error status. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and it was delivered XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXX  to a different zip code I also sent copies via registered mail to Citibank ( their issuing bank ) XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXX  when I followed up with phone call they were unable to locate the letter and XXXX XXXX XXXX ( Citibank 's indentured bank in charge of discharging debt ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX am follow up phone calls showed that the letters were not in system, and I was later informed that they were sent to Citibank in XXXX XXXX I received a letter from Citibank/Home Depot Credit Card Services on XX/XX/XXXX that they were looking into it. 
Another letter XX/XX/XXXX telling me that I had become a valued member XX/XX/XXXX, and that my last payment was XX/XX/XXXX, and I became delinquent XX/XX/XXXX. 
I received another letter from them XX/XX/XXXX that my account has a XXXX balance, and to give them 30 days to contact the credit reporting bureaus. 
Now they are suing me. 

I will enc

lose all correspondence I sent them. I have a right to have my questions answered. Is my debt valid, or is it being discharged by The Deutsche Bank via 1099 A ( I have since filed a 1099 A myself online with the IRS and it was accepted ). 
Is my contract being traded on the Primary or Government market, and then on the secondary or Stock Market? Is my lawful percentage of this consumer transaction 80 %, and they are entitled to a 20 % servicing fee. As per the IRS code income is defined as stocks and property. 
Does my signature with my name and social security number give them access to the Treasury window to get paid? 
Is the statement ( nowhere does it state bill ) they are sending me, actually of a dividend check ( bottom part ) and bond ( top part ) of a T-Bill that was created from my credit card account in the Treasury 's Primary Market Auction? 
Am I supposed to stamp it according to 31 CFR 328.5 and 328.6, and endorse the back of dividend check? 
What does it mean to write over my security rights? Does this deprive me of lawful income and the IRS of lawful taxes? Did they furnish me with all the relevant and necessary information to make an intelligent and informed decision concerning this matter. 
I understand that I gave them implied consent by participating in their automatic payment programs, and giving them access to my bank accounts. 
Having said this, I have questions now that need to be answered, after all a contract is only valid if both parties are properly informed, and both parties sign the contract. I have since then rewritten my contractual agreement, and sent it to their legal department via certified mail. 
There also is a mandatory arbitration clause in Citigroup ( Citibank 's parent company ), nobody has offered me arbitration. 
This is also potential security fraud and tax envision, and falls under FINRA regulations, and needs to be heard there. Citibank is considered a foreign liability company with its headquarters in Delaware and is governed by the UCC. 
They kept charging me interest and late fees even though we entered a billing error, and took adversed action against me by suing me and closing my credit card which is a violation according to 15 USC 1666 a and 12 CFR 1002.2, UCC 3-603 and 3-604 ( They never returned my stamped and endorsed financial instrument which is sent registered mail ). 
As a federal protected consumer I have a right to ask these questions, and have them answered in an honest and respectful manner. All my purchases were for home and personal use only.

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