Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Subject : Formal Notice of FDCPA Violations and Request for Validation of Debt Dear Citi Bank N.A., This letter serves as formal notice that I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p regarding your collection and reporting activities related to the above-referenced account. 
After reviewing your recent communications and credit reporting activity, I have identified multiple actions that appear to constitute violations of the FDCPA and related consumer protection statutes. For clarity, I am outlining below the relevant statutory sections, examples of prohibited conduct, and consumer rights provided by law. 
Fair Debt Collection Practices Act ( FDCPA ) Violation Summary Category Statutory Section Examples of Prohibited Conduct Consumer Rights/ Remedies 1. Harassment, Oppression, or Abuse 1692d Threats of violence, abusive language, repeated calls, calling before XXXX XXXX  or after XXXX XXXX Right to demand cessation of contact and file complaints or civil action for damages 2. False, Deceptive, or Misleading Representations 1692e Misrepresentation of debt amount, threatening legal action without intent, false claims of attorney involvement Right to accuracy and truth ; damages up to {$1000.00} plus actual and attorneys fees 3. Unfair or Unconscionable Collection Practices 1692f Charging unauthorized fees, early deposit of post-dated checks, taking property without legal right Right to seek restitution and actual damages 4. Improper Communication Practices 1692c Contacting after written notice to stop, calling at work, discussing debt with third parties Right to written-only contact and to report or litigate violations 5. Failure to Validate Debt 1692g No written validation notice within 5 days of contact, failure to verify debt upon written request All collection must pause until proper validation is provided 6. Venue and Legal Action Violations 1692i Filing lawsuits outside consumers jurisdiction Lawsuit must be filed in proper venue or is invalid 7. Third-Party Disclosure Violations 1692b, 1692c ( b ) Discussing debt with others, revealing debt details in messages Liability for improper disclosure 8. Credit Reporting Violations 1692e ( 8 ) Reporting false data, failing to mark account disputed, or continuing to report invalid debts Right to correction or deletion from credit reports and to file CFPB/FTC complaints 9. Communication After Refusal to Pay 1692c ( c ) Contacting after written refusal to pay or cease-request Only legal notices allowed thereafter 10. Threats or Coercion 1692d ( 1 ), 1692e ( 4 ) - ( 5 ) Threatening arrest, legal action not intended, or using scare tactics Prohibited conduct under federal law ; subject to penalties and civil liability Formal Demands 1. Cease and Desist Communication : I hereby request that all telephone communication with me cease immediately. You may contact me only in writing at the address listed above.

2. Debt Validation Request : Pursuant to 15 U.S.C. 1692g, please provide full validation of the alleged debt, including : o The original creditors name and address o The amount and itemization of the debt o Proof of your authority to collect o A copy of any signed agreement creating the obligation Until proper validation is provided, you are prohibited from any further collection or credit reporting activity.

3. Credit Reporting Compliance : Under 15 U.S.C. 1692e ( 8 ), if this debt has been reported to any consumer reporting agencies ( Experian, Equifax, or TransUnion ), it must be immediately updated to reflect disputed by consumer. Failure to do so will constitute an additional FDCPA and Fair Credit Reporting Act ( FCRA ) violation.

4. Notice of Intent to Enforce Rights : Continued violations will result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Kentucky Attorney Generals Office, and may lead to civil litigation for statutory and actual damages. 
Please respond in writing within 30 days of receipt of this letter. Any further noncompliant communication or reporting will be documented and treated as willful violations of federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX

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 non-monetary relief