Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This company, Citibank NA has a history of multiple complaints with not only the CFPB but also with the FRC, XXXX and NJ State Attorney Generals Office for violating my consumer protection rights. Past complaints with the CFPB are XXXX filed on XX/XX/XXXX, XXXX filed on XX/XX/XXXX, XXXX filed on XX/XX/XXXX, XXXX filed on XX/XX/XXXX, XXXX filed on XX/XX/XXXX and finally XXXX filed on XX/XX/XXXX. These multiple complaints were filed due to repeated violations and attempts to communicate/ contact me after being sent a cease and desist letter back in XX/XX/XXXX. Ongoing incidents have caused these complaints with each being a new and different violation of my consumer protection rights. On XX/XX/XXXX Citibank responded to two complaints with ending, We received your written request to stop all collection contacts with you regarding your accounts. This includes telephone calls to your home, work, and cell phone numbers, text messages, letters, chat and emails. We will continue to send monthly billing statements as required by law. Upon receipt of this inquiry, instructions were placed on my Citibank accounts to cease collection calls or other forms of collection communication. As past complaints of this same issue, each time, Citibank responds that are in receipt of my cease and desist letter sent certified mail and acknowledged such, but as noted above, continued to communicate with me on different occasions as to different Citibank accounts. Each time such a violation accursed, a complaint was filed as so stated above and each time, another incident of ignoring my consumer protection rights afforded to me by law accursed. Finally, a complaint with the NJ Attorney Generals Office was filed and sent to Citibank. I received an acknowledgment letter from the attorney generals office dated XX/XX/XXXX with information of sending a complaint to Citibank on my behalf, requesting a response. With all the above complaints with several government agencies, acknowledgement by Citibank in writing of received cease and desist demand letter from me, I now receive another collection letter from an agent of Citibank, XXXX XXXX XXXX XXXX dated XX/XX/XXXX and received by me on XX/XX/XXXX. As per my cease and desist, its specifically reads and includes agents on behalf of Citibank are not to contact me for collection communication as well but Citibank continues as part several complaints already mentioned above with government agencies, continues to violate my consumer protection rights as so demanded by law and has acknowledged in past complaints and especially in their written response on XX/XX/XXXX. This recent collection letter from XXXX XXXX XXXX XXXX on behalf of Citibank is now sending me letters on, again behalf of Citibank, whos already has been warned over and over of this continuing harassment, intimidation tactics and now has caused me and my family distress, anxiety and depression over. We have been in conversation with an attorney, XXXX XXXX and will be meeting with him within the next week with a retainer. We will address these many complaints and Citibanks constantly abusing my consumer protection rights under the Federal Fair Debt Collection Practices Act. We were advised each violation by Citibank are subject to fines of {$1000.00} per incident and will be aggressively seeking damages a possibly of filing bankruptcy protection. Im now asking for the CFPB to take some kind of action against this company, Citibank for violating my consumer protection rights as lawfully provided to me under state and federal laws. This action should and will include this agent of Citibank, XXXX XXXX XXXX XXXX as well.

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 non-monetary relief