Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX mother noticed a withdrawal from her XXXX XXXX XXXX account in the amount of {$5600.00}. She immediately contacted XXXX XXXX XXXX and reported this transaction. They provided no information whatsoever. Told my mother she would have to contact their legal department. XXXX -- XXXX ext XXXX. She called and was told to contact XXXX and XXXX as this was a debt but still did not tell her the name of the person the debt was against. I stepped in and contacted XXXX XXXX XXXX who told me there was a default judgment in my name XXXX XXXX in the amount of {$2800.00}. This confused me even more because I was never served any court papers about this and it still doesn't explain why {$5600.00} was removed from an account in my XXXX 's name. I then went to the bank on XX/XX/XXXX and asked why nothing was sent to my mother or myself warning us about this judgment the XXXX XXXX told me that's not their job. I told her I just came from XXXX court and they informed me that XXXX XXXXXXXX XXXX was supposed to contact the account owners with information about the amount and any exempt funds in the account. I informed her that all funds are exempt because this is my mothers account that contains SS and XXXX direct deposit. Which XXXX failed to protect. I then asked for a print out of the last years transactions and a gentleman told me I have no history of transactions in my name and I also have no active bank card with XXXX. The XXXX XXXX told him not to print anything up because that's not their job. If it's supposedly my account and my debt why am I not allowed this crucial history? XX/XX/XXXX mid afternoon camera footage will prove this unprofessional interaction with XXXX. The gentleman that was assisting us was being trained by XXXX because he never dealt with the issue before. He was very pleasant, informative, helpful and very professional. I want to make that known. My mother and I then left the bank with no new information or assistance. I contacted XXXX and XXXX and told them about the exempt funds and upon further investigation I found I reported this fraudulent citibank credit card to XXXX in XXXX and asked for this to be closed and investigated. I also sent an email to XXXX and XXXX in XXXX denying this credit card. I recently sent them a screenshot of the credit card on my Credit report and the amount past due says {$700.00} and asked for a legal explanation as to why the garnished 8 times the alleged amount owed {$5600.00} from an account that has no activity fron me and strictly pension and ss direct deposit? I still have not received the money or an explanation. My mother is XXXX XXXX XXXX and has little income. XXXX is being held from her due to incompetent fraudulent actions. She is stressed about needing money in case of an emergency and has had to cancel a Florida vacation due to lack of funds and other planned outings. All parties involved have committed fraud. The bank sent papers about this judgment to my mom on XXXX after our XX/XX/XXXX bank visit when the funds were already removed. ( covering their butts ) XXXX court papers state the default judgment was awarded on XX/XX/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 explanation