Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In XX/XX/XXXX the FDIC gave power of attorney through XX/XX/XXXX. I have three years that I continue to dispute this debt. I want the CFPB to follow up that this is addressed immediately. 
I dont want a letter I want them to return the money I DID NOT OWE that was taken from the proceeds of my sale Of my HOUSE. I PAID the {$250000.00} to XXXX XXXX, XXXX and Citibank. XXXX XXXX foreclosed on my property for a {$53000.00} balance I paid to XXXX and Citibank paid off a XXXX XXXX loan released in XXXX! {$20000.00} was included in the XXXX XXXX loan. Plus I DID NOT OWE {$33000.00} for the sellers loan I paid off in XXXX. I DO NOT OWE {$21000.00} interest the seller paid before I assumed the loan in XXXX the fraudulent {$67000.00} interest only loan fails to count only {$62000.00} was due and no interest was due after I made a final payment of {$1600.00} 15 months prior to the final 360 months of the loan. MY HOUSE XXXX XXXX XXXX submitted and collected a {$250000.00} payoff from the sale of my house. This was subject to verification. I received only the {$83000.00} I had OVERPAID to my escrow account. ( RESPA VIOLATION ). -it was MY MONEY- at closing I was forced to take the remaining of {$200000.00} cash I needed to close from my XXXX XXXX XXXX XXXXXXXX I left my closing twice and ultimately signed with threat of lawsuits from everyone involved in the sale. FINANCIAL INJURY. When I turned XXXX I would have used my retirement account to set up an annuity I would have had the rest of my life. Instead I have credit card debt I pay from {$900.00} social security. We also have used income to pay back a {$75000.00} mortgage we had to take out against the house without the {$200000.00} we should have in checking account from the proceeds. And all the payments we WOULDNT owe if we had gotten our proceeds.Wwithout money we have made only the essential improvements on the fixer upper we bought money from the mortgage we had to take out to do so. 
- we took {$200000.00} to closing. - we left with {$0.00}. We did not owe {$250000.00} collected at closing. - we paid back {$78000.00} from {$82000.00} line of credit twice. The debt was included in the loan. The interest only was also included in the loan. The country wide first mortgage was paid back but released twice according to tax records. The first XXXX XXXX was also paid back for the original first mortgage from XXXX. 
The second mortgage was released and paid off by a Citibank loan I paid off in the XXXX XXXX loan. Unsecured debt included in bankruptcy included {$44000.00} paid off by the line of credit and the XXXX loan I paid off in XXXX. I believe it also includes {$20000.00} included in the XXXX XXXX loan on my duplex that was included in the foreclosure. the foreclosure balance does NOT include payments made to the XXXXXXXX XXXX included in the XXXX payoff.to which neither were EVER entitled.

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