Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I, XXXX XXXX XXXX XXXX a living natural woman, in propria persona, XXXX XXXX, XXXX XXXX XXXX and XXXX of the XXXX XXXX submit this complaint against XXXX XXXX XXXX XXXX XXXX, its officers, and XXXX XXXX ( acting as attorney ), for fraudulent debt-collection activity, void judgment, false credit reporting, and violations of constitutional and treaty-secured rights. 

The matter concerns an alleged credit account originally issued by Home Depot, which XXXX XXXXXXXX XXXX  XXXX wrongfully pursued through a de facto District Court operating without verified authority. A judgment was entered against the fictitious entity XXXX XXXX, not the living woman. No verified contract, lawful consideration, or original wet-ink instrument has ever been produced to substantiate any claim. 

Prior Affidavits of Fact, Quo Warranto ( XX/XX/year> ), and Default Judgments ( XX/XX/year> ) were served upon the representative of the venue, DISTRICT COURT FOR XXXX XXXX XXXX XXXX ), the acting attorney, and XXXX XXXX XXXX XXXXXXXX ; none provided lawful rebuttal or validation, misrepresenting my affidavit as motions, requests, or petitions. This conduct violates 18 U.S.C. 2071 ( concealment, removal, or mutilation of official records ) and 18 U.S.C. 1001 ( false statements or representations ), establishing unrebutted default against all parties. 

XXXX XXXXXXXX XXXX XXXX and its affiliates have a documented history of consumer complaints and regulatory penalties for deceptive and unlawful debt-collection practices. Public records reflect enforcement actions, including penalties for improper collection conduct and numerous consumer complaints recorded by the Consumer Financial Protection Bureau. These repeated violations demonstrate a pattern of unconscionable behavior and fraudulent collection practices contrary to law and public trust. 

These acts constitute violations of : UDAAP ( 12 U.S.C. 5531 ) deceptive and abusive conduct in enforcing a void claim ; FDCPA ( 15 U.S.C. 1692 ) collection without validation or lawful standing ; FCRA ( 15 U.S.C. 1681 ) furnishing false and injurious credit data ; Treaty of Peace and Friendship ( XXXX ) breach of rights and protections secured to XXXX XXXX XXXX  ; Constitution for the United States ( 1791 ) violations of due-process guarantees and limits of lawful jurisdiction ; Supremacy Clause ( Article VI, Clause 2 ) affirming that the Constitution, federal laws, and treaties are the supreme law of the land, and any conflicting state or local venue action is void ; Article I, Section 10 prohibiting inferior entities from making anything other than gold and silver coin lawful tender, highlighting that private commercial paper or promissory notes can not form a lawful debt against the living woman ; 18 U.S.C. 241 conspiracy against rights ; 18 U.S.C. 242 deprivation of rights under color of law. 

This record stands as evidence of fraud. The de facto venue and its agents have acted under color of law in violation of 18 U.S.C. 241 & 242, conspiring to violate my rights. All parties failed to produce a certified delegation of authority from Congress vesting them with judicial powers from an Article III court, and in doing so violated my treaty-secured rights to consular jurisdiction and venue. All claims made by the parties are collusive, and any judgment entered is unenforceable null and void ab initio. 

XXXX XXXX XXXX All rights reserved

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