Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (AZ)

RE : IN RESPONSE TO CFPB COMPLAINT # XXXX & XXXX. REQUESTED FURTHER INSPECTION INTO FRAUDULENT ACTIVITY My name is XXXX XXXX XXXX, a federally protected consumer, beneficiary, and private individual entity. I am making this complaint against CITIBANK N.A. for violating a cease and desist notice received by them on XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I am aware only of and not limited to, the clever fraud being guised under subtle nuances and subtexts that I will be addressing in this response to an unsatisfactory reply that was received by myself on XX/XX/2022. 
I have never given CITIBANK N.A. any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibit A, which is a copy of XXXX reporting on my consumer report, Exhibit B which is a copy of their response to CFPB complaint # XXXX & XXXX, and a FTC report labeled Exhibit C that will be used when filing for litigation in Federal Court to this complaint.

In reference to Exhibit C, there are multiple remarks that I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have not validated any alleged debt with CITIBANK N.A. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CITIBANK N.A. any right to collect on this alleged debt. NOR have I received any proof that Citibank mailed validation of debt to the address, such as a certified mail tracking number.

It is my belief that CITIBANK N.A. is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. 
I have never received any documentation requesting validation from CITIBANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CITIBANK N.A. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CITIBANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CITIBANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and CITIBANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.