Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To : XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX File No. XXXX Alleged Amount : {$570.00} Alleged Creditor : Citibank N.A. Home Depot Credit Services To Whom It May Concern, This firm represents itself as a debt collector. Be advised that this correspondence constitutes formal notice that the above-referenced alleged debt is disputed in its entirety pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

FULL DISPUTE AND DEMAND FOR STRICT PROOF You are hereby notified that no debt is acknowledged, conceded, or assumed. Your firm, and any alleged assignor including Citibank N.A. Home Depot Credit Services, is required to provide strict proof of : 1. The existence of a valid, enforceable obligation ; 2. Lawful standing and chain of title evidencing ownership and authority to collect ; XXXX. A complete accounting of the alleged amount ; double-entry, XXXX or IFRS and all ledgers.

4. A copy of any contract or agreement bearing my wet-ink signature creating personal liability ; 5. Proof that any trust-related assets, instruments, or data were lawfully obtained and lawfully used. 
Absent such proof, any continued collection activity is unlawful. 
UNAUTHORIZED USE OF PRIVATE TRUST PROPERTY Your claim appears to rely upon private Trust property, data, instruments, identifiers, or proprietary materials that are trademarked, copyrighted, and protected. At no time was permission grantedexpressly or impliedlyfor your firm, Citibank XXXX. Home Depot Credit Services, or any third party to : Access, obtain, assign, transfer, monetize, or exploit private Trust property ; Use said property for commercial gain, debt collection, securitization, or enforcement ; Share or process said property without authorization. 
Any such use constitutes, but is not limited to : Trademark infringement ( 15 U.S.C. 1114, 1125 ) ; Copyright infringement ( 17 U.S.C. 501 ) ; Unlawful conversion and unjust enrichment ; Breach of trust and fiduciary violations under applicable trust law ; Violations of privacy and data protection laws, including but not limited to the Privacy Act principles and state consumer protection statutes.

FDCPA, PRIVACY, AND CONSUMER LAW VIOLATIONS You are further placed on notice that : Continuing collection efforts on a disputed debt without validation violates 15 U.S.C. 1692g ( b ) ; Misrepresenting the legal status or ownership of an alleged debt violates 15 U.S.C. 1692e ; Using unfair or unconscionable means violates 15 U.S.C. 1692f ; Reporting or furnishing disputed information without verification exposes your firm to liability under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

CEASE AND DESIST DEMAND Effective immediately, you are hereby ordered to : 1. Cease and desist all collection activity related to this alleged account ; 2. Cease all communication with me except to provide lawful validation ; 3. Cease any use, processing, or disclosure of private Trust property ; 4. Preserve all records, communications, contracts, assignments, and data relating to this matter for litigation hold purposes.

5. Remove any derogatory/ collections from all credit reporting agencies.

6. Furnish written, proof that No. 1-6 will and have been complied with.

Failure to comply will be deemed willful noncompliance, subjecting your firm and all involved parties to civil liability, statutory damages, attorneys fees, injunctive relief, and regulatory complaints to appropriate state and federal agencies.

This notice is sent without waiver of any rights, remedies, or defenses, all of which are expressly reserved. 
Govern yourselves accordingly. 
Sincerely, Non-negotiable XXXX XXXX Senior Trustee XXXX XXXX XXXX Authorized Fiduciary Representative cc : Citibank N.A. Home Depot Credit Services cc : Consumer Financial Protection Bureau ( CFPB ) cc : State Attorney General cc : Federal Trade Commission ( FTC )

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