Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Attention : XXXX XXXX Mitigation XXXX ( XXXX ) XXXX ext. ( XXXX ) XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Re : File - XXXX  XXXX Fax : XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX is responding to your request for a XXXX from Citibank about a debt ( {$1200.00} ) you collected as in good faith and seeking a full refund of the amount paid- {$1200.00}. You contacted XXXX XXXX XXXX by phone, on XX/XX/XXXX, and identified the debt as originating in XXXX with Citibank. You confirmed a refund upon Citibanks response of your claims and false representation are identified. 

Please find the attach letter from Citibank that clearly disputes your statement as false allegations representations that Citibank is debt collector and Citibank confirms the referred business relationships with XXXX XXXX does not exist and Citibank is not seeking debt collection when account was charged off in XX/XX/XXXX. Since XX/XX/XXXX, Citibank or debt buyers have made zero or no attempts to collect the debt and there was no evidence of transaction records to provide to date. Citibank XXXX, XXXX. XXXX XXXX, supports my case and can provide recordings in court if required. This debt is unknown and XXXX 3 credit bureaus records confirms. XXXX has filed for Identity Theft with FTC and local police in the state. 

As per the Attorney General Office of Minnesota advice, the unknown debt referenced herein without a full itemization of the debt, including a breakdown of the total principal, interest, fees, and other charges or service or merchandise purchased with the debt or full name and address of the debtor at the time the debt was incurred or full name and address of the original creditor or copy of the original contract is a violation Minnesota XXXX XXXX of limitations ( 6 years ) and violation of the Federal Debt Collection Act. 

XXXX XXXX XXXX requests a full refund of the sum paid and then requests that you cease to contact him again. Reports of this case have been filed at the Office of the Minnesota Attorney General, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Citibank and the Federal Trade Commission. 
1. Complaint did not include a complete set of statements from zero balance to balance claimed 2. Complaint was not verified by an actual party to the contract that created the debt 3. Complaint did not state the source of the person verifying the complaints information 4. Complaint did not have a document that proved that the party suing owned the debt XXXX XXXX XXXX contacted XXXX XXXX XXXX many times in good faith to justify the threats made to lien his family home and an appointed legal attorney is ready to take legal action. Citibank confirms after many weeks of investigation, XX/XX/XXXX, that Citibank is not seeking any debt collection since XXXX and denies that XXXX XXXX is representing Citibank, and the letter attach should suffice to XXXX XXXX to refund the full amount or to contact XXXX XXXX XXXX at ( XXXX ) XXXX XXXX ext. XXXX. 

XXXX family have suffered intense stress, anxiety and tremendous mental pressure efforts to achieve justice and fairness on this injustice endeavor as they struggled through the details with XXXX XXXX and Citibank for clarifications as well as for documentations. 

Again, please supply the missing information below so that it can fully be validated : Full itemization of the debt, including a breakdown of the total principal, interest, fees, and other charges or service Merchandise purchased with the debt Full name and address of the debtor at the time the debt was incurred Full name and address of the original creditor or copy of the original contract The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 
Copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
Identify the date of the last payment made on this account. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX.