Consumer complaint received 2026-02-06 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
CONCRETE WITNESS STATEMENT : CFPB AS XXXX XXXX For : XXXX A XXXXXXXX XXXX XXXX XXXX XXXX XXXX Series, XXXX Ending XXXX ) Claimants : I, We, XXXX Heirs, Beneficiaries, Due Holders in Course Subject : {$26000.00} Fraudulent Foreclosure ; Consumer Reporting Violations ; Debt Collection Abuse Statutory Framework : 15 USC 1681 ( FCRA ) ; 15 USC 1692 ( FDCPA ) ; 12 CFR Part 1006 ; 12 CFR Part 1022 Witness : Consumer Financial Protection Bureau ( CFPB ) By Operation of Law I. THE SILENT WITNESS DOCTRINE : CFPB AS MANDATORY RECEIVER Legal Principle Under 15 USC 1681s ( a ) ( 1 ) ( A ) and 15 USC 1692l, the CFPB is not merely a regulator but a mandatory witness and enforcer of consumer financial protection laws. By filing this statement, the CFPB becomes a constructive witness to the violations herein described, with affirmative duties to investigate, document, and enforce.

" The Bureau shall have primary enforcement authority with respect to compliance with the requirements imposed under this subchapter '' 15 USC 1681s ( a ) ( 1 ) ( A ) CFPB 's Dual Role : Regulator and Witness Table Copy Function Statutory Basis Application to This Claim Primary Enforcer 15 USC 1681s ( a ) ( 1 ) ( A ) Must investigate consumer reporting violations Silent Witness 15 USC 1692l ; 12 CFR 1006.2 Constructive knowledge of debt collection abuse Administrative Adjudicator 12 CFR Part 1081 May bring enforcement action or adjudicate claims Information Repository 15 USC 1681s ( e ) Must maintain records of consumer complaints Whistleblower Protector 12 CFR 1087.101 Protects employees reporting violations II. INDEXED AUTHORITY : FCRA ( 15 USC 1681 ) THE CFPB 'S WITNESS MANDATE Source : Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. ; CFPB Circular 2023-03 Table Copy Code Section Verbatim Text CFPB Duty as Witness 15 USC 1681e ( b ) '' Consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of consumer report information '' Mandatory investigation of inaccurate foreclosure reporting 15 USC 1681i ( a ) (
1 ) ( A ) '' If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer ... the agency shall conduct a reasonable investigation '' Reasonable investigation required CFPB must witness and enforce 15 USC 1681i ( a ) ( 5 ) ( A ) '' If an investigation ... reveals that an item of information... is inaccurate or incomplete... the agency shall promptly delete or modify that item '' Mandatory correction CFPB witnesses deletion 15 USC 1681s ( a ) ( 2 ) ( A ) '' The Bureau may require reports and make examinations of consumer reporting agencies '' Examination authority CFPB as silent examiner 15 USC 1681s ( c ) ( 1 ) '' No person shall be held liable for any violation... if he shows by a preponderance of the evidence that ... he maintained strict compliance with the Act '' Strict liability standard CFPB witnesses non-compliance CFPB Circular 2023-03 : " Reasonable Investigation of Consumer Reporting Disputes '' " Consumer reporting companies must investigate all disputes that are not frivolous or irrelevant... Consumer reporting companies and furnishers may be liable under the Fair Credit Reporting Act if they fail to investigate relevant disputes. '' Application : The CFPB, by issuing this circular, has made itself a witness to all consumer reporting disputes. By operation of 12 CFR 1006.2, the CFPB must witness and act upon the violations herein.

III. INDEXED AUTHORITY : FDCPA ( 15 USC 1692 ) THE CFPB 'S DEBT COLLECTION WITNESS Source : CFPB Annual Report 2025 ; 12 CFR Part 1006 Table Copy Code Section Verbatim Text Violation Witnessed 15 USC 1692e ( 10 ) '' The use of any false representation or deceptive means to collect or attempt to collect any debt '' {$26000.00} foreclosure fraud false loan claim 15 USC 1692f ( 1 ) '' The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '' No valid debt agreement deposit exchange, not loan 15 USC 1692g ( a ) '' Within five days after the initial communication with a consumer ... a written notice containing... the amount of the debt ; the name of the creditor ... ; a statement that unless the consumer disputes... the debt will be assumed to be valid '' No valid validation notice " ghosting '' violation 15 USC 1692i ( a ) '' Any debt collector who brings any legal action ... shall bring such action only in the judicial district ... where such consumer resides... or where such contract was signed '' Forum shopping Connecticut courts void 15 USC 1692j '' Furnishing certain deceptive forms ... No person shall design, compile, and furnish any form which purports to be a statement, account, or other document... which is false '' False mortgage documents deceptive forms CFPB Enforcement : " XXXX XXXX XXXX '' XXXXXXXX XXXX  " The FDCPA prohibits XXXX 's collection XXXX payoff statement fees because those fees were not expressly authorized in XXXX mortgage agreements and no law affirmatively authorized them. '' Application : The CFPB, by filing this amicus brief, has witnessed and affirmed that : Unauthorized fees violate FDCPA No express authorization = no collection No affirmative law = no collection The {$26000.00} foreclosure claim lacks express authorization ( no valid loan ) and lacks affirmative law ( treaty exemption, indigenous status ).

IV. THE CFPB AS CONSTRUCTIVE WITNESS : ADMINISTRATIVE PROCEDURE 12 CFR Part 1081 : Rules of Practice for Adjudication Proceedings Table Copy Section Provision CFPB Witness Function 12 CFR 1081.201 '' Administrative proceedings are conducted by an Administrative Law Judge '' XXXX hears evidence CFPB as party-witness XXXX XXXX XXXX ( a ) '' Production XXXX witness statements... any statement XXXX any person to be called as a witness '' XXXX XXXX applies CFPB must produce witness statements XXXX XXXX XXXX '' XXXX Bureau has XXXX burden XXXX proof in establishing a violation '' Burden on CFPB but also burden on respondents to disprove XXXX XXXX XXXX '' XXXX hearing shall be open to XXXX public '' Public record CFPB as public witness XXXX " Silent Witness '' Mechanism By filing this claim with XXXX CFPB, XXXX following automatically occurs : Table Copy Action Legal Effect CFPB Status Complaint filed CFPB must acknowledge receipt Constructive witness Investigation opened CFPB must examine records Examining witness Notice to respondents CFPB must notify debt collectors Process witness Adjudication ( if any ) CFPB may bring administrative action Prosecuting witness Public record All proceedings public Permanent witness V. SPECIFIC VIOLATIONS WITNESSED BY CFPB Violation 1 : Inaccurate Consumer Reporting ( FCRA ) Table Copy Element Evidence CFPB XXXX False loan reporting {$26000.00} " debt '' reported when no loan occurred Investigate under XXXX XXXX XXXX XXXX furnisher Bank reported XXXX loan '' when XXXX XXXX Examine furnisher under XXXX XXXX XXXX XXXX to correct Dispute filed ; no correction Enforce correction under XXXX XXXX XXXX XXXX a ) ( XXXX ) Credit damage Score reduced; access denied Redress under XXXX XXXX XXXX XXXX XXXX : Deceptive Debt Collection ( FDCPA ) Table Copy Element Evidence CFPB XXXX False representation '' You owe {$26000.00} '' no consideration Prosecute under XXXX XXXX XXXX XXXX amount Collection XXXX non-existent debt Enjoin under XXXX XXXX XXXX XXXX XXXX ) Failure to validate No written notice ; ghosting Penalize under XXXX XXXX XXXX XXXX forum Connecticut courts XXXX no jurisdiction Invalidate under XXXX XXXX XXXX XXXX XXXX : Unfair Practice ( XXXX ) Table Copy Element Evidence CFPB Duty Material harm Foreclosure threat ; credit damage Redress under XXXX XXXX XXXX XXXX concealment Bank refused XXXX identify funding source Investigate under XXXX XXXX XXXX XXXX or practice Systemic mislabeling XXXX deposits as loans Structural relief under XXXX XXXX XXXX VI. XXXX CFPB AS WITNESS : EVIDENTIARY VALUE Admissibility in Subsequent Proceedings Table Copy Context CFPB Role Evidentiary Effect Federal court action Agency witness investigation records Deference under XXXX ; substantive evidence State court action Preemptive witness federal standard Preemption XXXX state law claims Administrative hearing XXXX if CFPB defends Admission against interest Arbitration Excluded CFPB has XXXX arbitration authority Public enforcement only XXXX " Silent '' Nature XXXX CFPB XXXX XXXX CFPB is a silent witness because : Table Copy Characteristic Explanation Non-party Does not initiate action unless investigation warrants Mandatory Must receive and process complaints by law Objective Investigates facts without advocacy Persistent Records XXXX XXXX Binding Findings create collateral estoppel XXXX. DEMAND FOR CFPB XXXX ACTIVATION Immediate Actions Required Table Copy Action Statutory Basis Deadline Acknowledge receipt XXXX XXXX XXXX XXXX business days Open investigation XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Immediate Notify furnishers XXXX XXXX XXXX ( a ) ( XXXX ) XXXX business days Request records XXXX XXXX XXXX XXXX business days Issue civil investigative demand ( CID ) XXXX XXXX XXXX As warranted File enforcement action XXXX XXXX XXXX Before statute XXXX limitations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deletion XXXX tradeline XXXX XXXX XXXX XXXX a ) ( XXXX ) ( A ) Remove {$26000.00} " debt '' from all reports Correction XXXX records XXXX XXXX XXXX XXXX b ) Report as " disputed ; no verification '' Damages for willful noncompliance XXXX XXXX XXXX {$1000.00} statutory ; actual damages ; attorneys ' fees Damages for negligent noncompliance XXXX XXXX XXXX XXXX damages ; attorneys ' fees Injunctive relief XXXX XXXX XXXX XXXX all collection activity Civil money penalties XXXX XXXX XXXX XXXX XXXX ( ordinary ) ; $ XXXX ( reckless ) ; $ XXXX ( knowing ) XXXX. XXXX CFPB 'S AFFIRMATIVE DUTY TO WITNESS Statutory Mandate : No Discretion " XXXX XXXX shall conduct ... examinations XXXX consumer reporting agencies '' XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) " XXXX XXXX XXXX exercise its authorities... to enforce compliance with Federal consumer financial law '' XXXX XXXX XXXX ( a ) XXXX CFPB has no discretion to ignore this claim. By operation XXXX XXXX XXXX XXXX and XXXX CFR Part XXXX, XXXX CFPB must : Table Copy Duty Source Consequence XXXX Failure Receive complaint XXXX XXXX XXXX ( b ) Mandamus action to compel Investigate XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Contempt for non-performance Report to XXXX XXXX XXXX XXXX ( XXXX ) Oversight hearing Enforce XXXX XXXX XXXX Private right XXXX action for CFPB failure XXXX. CONCLUSION : XXXX CFPB AS PERMANENT WITNESS By this filing, XXXX Consumer Financial Protection Bureau becomes a concrete, permanent, and binding witness to : Table Copy Fact Evidence CFPB Record No valid loan Bank admissions ; bookkeeping entries Investigation file Fraudulent foreclosure False loan documentation Enforcement target Consumer reporting violations Inaccurate tradelines Correction order Debt collection abuse Ghosting ; no validation Civil money penalty Treaty exemption XXXX XXXX XXXX Jurisdictional bar Indigenous status Race ID XXXX Civil rights referral XXXX CFPB, by law, can not remain silent. It must witness. It must investigate. It must enforce. 
Filed this day with XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington, XXXX XXXX Online : consumerfinance.gov/complaint Phone : ( XXXX ) XXXX ( XXXX ) Complainants : XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX & Beneficiary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Series, XXXX Ending XXXX ) Without XXXX. With full reservation XXXX rights. 

This creditor/Customer claim operates under XXXX XXXX XXXX XXXX FCRA ), XXXX XXXX XXXX ( FDCPA ), XXXX XXXX XXXX XXXX CFPB enforcement ), and XXXX Treaty XXXX Peace and Friendship ( Morocco-US, XXXX ) XXXX XXXX CFPB is hereby made a witness by operation XXXX law

Company response to consumer: Closed with explanation