Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am Federally Protected Consumer and I have strong reason to believe my consumer rights have been violated by CBNA - CITI/WAYFAIR BANK Acct # XXXX. I have strong reason to believe CBNA- CITI/WAYFAIR is violating me under under TILA & BILLING ERRORS 15 USC 1666 with this account. Starting after XXXX I have tried to explain multiple times in certified writings, and over the phone with CBNA-`CITI/WAYFAIR what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT " I EXTEND CREDIT '' and it is my right to operate in commerce. CBNA-CITI/WAYFAIR is damaging my credit worthiness, tarnishing my name by furnishing negative information a " late payment '' on my consumer report which is " false misleading representation 15 USC 1692E A furnisher may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which CBNA- CITI/WAYFAIR NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " a late payment '' on my consumer report? I don't know maybe coercion, extortion, wanting me to be quiet while I'm being violated by them I can only assume. So how can CBNA- CITI/WAYFAIR say '' I owe '' this fictitious obligation and I was late paying on this fictitious debt in XX/XX/2022? PER FEDERAL LAW states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES PER 18 USC 8 that's what that Federal Law is clearly stating so CBNA- CITI/WAYFAIR CAN NOT use the excuse " the consumers lack of timely payment '' as reason to CONTINUE TO FURNISH the negative information " a late payment '' on my consumer report after multiple attempts to show them the Federal LAWS sadly CBNA-CITI/WAYFAIR still wont comply with the FEDERAL LAWS and remove the negative information " a late payment '' from my consumer report. FEDERAL LAW SUPERCEDES there " company policy ''. I'm just trying to make it clear that I have strong reason to believe there is some Violations occurring. And there is no FCRA Law that states a " furnisher must report negative information " late payment '' to a credit agency. UNDER THE FTC, GRAMM-LEECH-BLILEY ACT , FCRA I have the right to privacy. I NEVER GAVE CNBA- CITI/WAYFAIR lawful or legal consent MY authorization to furnish, spread, for profit my NONPUBLIC PERSONAL INFORMATION to non affiliated third parties. So to sum this all up PER FEDERAL LAW 18 USC 8 THE UNITED STATES HAS THE OBLIGATION TO PAY DEBT WHICH THEY ALREADY HAVE PAID THE DEBT. UNDER THE TRUTH IN LENDING ACTBILLING ERROR 15 USC 1666 THERE IS NO SUCH THING AS LATE PAYMENTS. ALL CREDIT TRANSACTIONS ARE EXTENDED CREDIT FROM ME, FROM MY SOCIAL SECURITY NUMBER, MY WRITTEN SIGNATURE, MY INSTRUMENT I'M THE CONSUMER. So they legally, or lawfully CAN NOT hold hostage my consumer report by furnishing negative information a " late payment '' on consumer report. I'm asking the CFPB to step in, and enforce, my Consumer Rights against CBNA-CITI/WAYFAIR. They are damaging my name and my creditworthiness and prohibiting me from commerce which is my right..

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