Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This complaint is one of several of an alleged debt that is not owed and repeated complaints and debt verification letters have failed to provide such support. Complaints to the CFPB, FTC and XXXX have failed to remedy this continued harassment and collection intimidation tactics by Citibank and now its agent, XXXX XXXX on there behalf. After sending demands for debt verification and cease and desist letters were left unanswered and ignored, this company, Citibank had its agent, XXXX XXXX unethically filled a fraudulent civil action to force some kind of reaction to collect or attempt to receive a collect order. Due to ongoing and non stop attempts to violate my consumer protection rights on several occasions with multiple complaints filed against Citibank with the CFPB, The Federal Trade Commission, the XXXX and the NJ Attorney Generals Office, Citibank and its agent, XXXX XXXX have violated my consumer protection rights which eventually resulted in a fraudulent civil action filed against me to further harass, intimidate and cause duress on me and my family, I hired counsel. I paid a retainer and on XX/XX/XXXX, a letter and notification of representation was faxed and sent regular mail to Citibank and XXXX XXXX. This letter serves as a formal notice of legal representation of myself. It also notifies both Citibank and XXXX XXXX that as legal counsel, who represents me, any and all collection activities including and not limited to enforcement of initiating or continuing any legal action me, including judgments, liens, commissions with me and pursuing any garnishments. Any violation of this will result in sanctions, including damages, attorney fees and contempt of proceedings will be imposed. Letter of representation also instructs you ensure that you and your client, XXXX bank take immediate steps to comply. If you have already initiated any legal action or collection efforts, you are required to cease such actions immediately. 
Due to recent fraudulent ongoing and continuing harassment and intimidation tactics by Citibank and now its agent, XXXX XXXX with filing a frivolous civil complaint to try and justify an alleged debt, Ive instructed my attorney to compose a civil action against Citibank for violating my consumer protection rights on several occasions which are all very well documented in both the CFPB and other government agencies over the past year. Since this letter of representation was sent To XXXX XXXX via fax on XX/XX/XXXX and sent by us mail, XXXX XXXX has still continued its civil complaint with dismissal as of today XX/XX/XXXX. This, in violation pursuant to 11 U.S.C. ; 362 of the automatic stay. As such, the clerk, XXXX XXXX XXXX, of XXXX XXXX, XXXX Special Civil Part was notified as well of this information and possible violation. If a dismissal/ Stipulation Of Dismissal Without Prejudice is not filed and copied to me by XX/XX/XXXX, Ive instructed my legal counsel to compose a civil complaint against Citibank for violating my consumer protection rights as per the Federal Fair Debt Collection Practices Act and ask the court for the maximum penalty allowed as deemed by the court with the production of several attempts of disputing this alleged debt with no remedy then abused the court by filing a civil complaint to somehow receive a judgment or wage garnishment attempt to further cause stress, anxiety and duress upon me and my family. Since there are multiple complaints as to this account of alleged debt, I will use the pending Ciitibank CFPB complaint as to the account # in its place This alleged debt in relation is for {$3200.00}.

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