Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (CA)

Complaint:
On or about XX/XX/XXXX I received a debt collection letter from XXXX & XXXX regarding an alleged debt on Citibank credit card account # XXXX. I promptly disputed and requested validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p., as there was no valid debt associated with that account. XXXX and XXXX failed to properly respond to my validation request. On or about XX/XX/XXXX XXXX & XXXX filed a lawsuit on behalf of Citibank , N.A . case # XXXX. I did not know the correct procedure to Answer the complaint, and a default judgment was entered against me on or about XX/XX/XXXX for approximately {$30000.00}. In XXXX of XXXX I had to short sale my house, and it was discovered that XXXX & XXXX had put a lien on my house. My realtor negotiated a payoff of {$2000.00} which was sent to Citibank via XXXX & XXXX out of escrow to complete the short sale and remove the lien. On or about XXXX of XXXX, Citibank , N.A . returned the {$2000.00} check as a refund on the account proving there was no debt attached to this account. This also proves that XXXX & XXXX was fraudulently trying to collect on an alleged debt which again was never properly validated. At this point Im not sure how many violations of the FDCPA are involved. The have damaged my name and my credit, not to mention the stress, coercion, intimidation fraud and extortion actions. Shortly thereafter I found an administrative remedy to create a solution. This process started on or about XX/XX/XXXX and ended on or about XX/XX/XXXX. Both XXXX & XXXX and Citibank , N.A . have failed to respond to my affidavits. My administrative remedy created an administrative judgment against them for damages. In XXXX XXXX & XXXX stole {$120.00} from my bank account. I also recently discovered that on or about XX/XX/XXXX XXXX & XXXX filed a motion to renew the fraudulent judgment Case # XXXX and they have a hearing scheduled for XX/XX/XXXX. 
XXXX & XXXX have never properly validated the alleged debt they were trying to collect and failed to prove their claim. 
Citibank , N.A . returned and refunded money to me sent to them on this same account proving there is no debt associated with this account. 
XXXX & XXXX and Citibank , N.A . both have failed to respond to my affidavits with an affidavit thereby proving my claim, and admitting damages to me in the process. 
I have attached the refunded check and un-rebutted affidavits as evidence in this complaint. XXXX & XXXX and Citibank , N.A . 's failure to respond in affidavit form rebutting anything I have stated in affidavit form proves my claim and damages owed to me. Case # XXXX needs to be vacated and or satisfaction of judgment needs to be entered. Failure to comply with in 30 days will result in copies of this complaint being sent to any and all governing bodies, FTC, DOJ, IRS, Attorney General of California, and XXXX XXXX XXXXXXXX XXXX XXXX 
Without Prejudice, XXXX XXXX

Company response to consumer: Closed with explanation