Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
CITIBANK N.A. XXXX  REPEATS THEIR TREATMENT TO ME THAT ARE AGAINST AND VIOLATING BOTH THE XXXX  AND  AMERICAN  LAWS INDICATED IN ALL MY COMPLAINTS I FILED TO AND NUMBERED BY CFPB AS XXXX  OF XX/XX/XXXX AND XXXX OF XX/XX/XXXX AND  THE CONSENT ORDER ISSUED ON XX/XX/XXXX.
CITIBANK IS CONTINUING THEIR EFFORTS TO CLOSE AND ELIMINATE THE FOLLOWING THREE CITIBANK ACCOUNTS OF MINE. 

1   MY "READY CREDIT"ACCOUNT WITH  END  ACCOUNT NUMBER XXXX XXXX
2.MY CREDIT CARD ACCOUNT WITH THE ENDING NUMBER XXXX XXXX XXXX 	AND
3.MY PERSONAL SAVING ACCOUNT WITH ENDING ACCOUNT NUMBER XXXX XXXX. 

I HEREBY REQUEST CFPB TO LEGALLY PROVIDE ME WITH BOTH LEGAL AND FINANCIAL PROTECTION AGAINST THIS ACT BY CITIBANK THAT VIOLATE BOTH THE XXXX AND AMERICAN LAWS.

CITIBANK HAS NO RIGHT TO CLOSE THESE THREE ACCOUNTS UNILATERALY 
1 MY READY CREDIT ACCOUNT WITH  END  ACCOUNT NUMBER XXXX XXXX  CANNOT BE CLOSED BY CITIBANK UNILATERALLY.
	CITIBANK HAS NOT RESOLVED THE DISPUTE BETWEEN CITIBANK AND I AS I STATED IN MY EMAIL OF XX/XX/XXXX. ATTACHMENT 1 
	CITIBANK N.A. XXXX  HAS VIOLATED THE US DEPARTMENT OF THE TREASURY REGULATION Z THAT ALLOWS TEMPORARY DISCONTINUATION OF CREDIT REPAYMENT AS I ALREADY FILED A PROPER BILLING DISPUTE SINCE XX/XX/XXXX. 
2.	MY CREDIT CARD ACCOUNT WITH THE ENDING NUMBER XXXX XXXX XXXX	                                                                                                                         CITIBANK HAS NO RIGHT TO CLOSE THIS SECOND  ACCOUNT OF MINE 	UNILATERALY.    
	MY COMPLAINTS THAT I FILED AND CFPB NUMBERED NO.XXXX  OF XX/XX/XXXX AND NO XXXX XXXX XXXX OF XX/XX/XXXX   ARE NOT SETTLED / JUST ABOUT TO BE SETTLED FOLLOWING THE RECENTLY ISSUED CONSENT ORDER BY CFPB. THESE COMPLAINTS ARE TO BE AUDITED / PROVEN/VERIFIED USING THESE THREE CITIBANK ONLINE ACCOUNTS AND FINALLY REPORTED IN THE REDRESS PLAN REPORT.
	CITIBANK N.A. XXXX  HAVE NOT SETTLED THESE COMPLAINTS AND HAVE TO OBEY THE CFPB'S CONSENT ORDER.   THEY NEED TO BE AUDITED, PROVEN WITH EVIDENCES THAT ARE CONTAINED /RECORDED IN THE CITIBANK CREDIT CARD ONLINE ACCOUNT RECORD AND SYSTEM WITH END NUMBER XXXX XXXX XXXX XXXX  OF MINE. THEY ARE TO BE SUBMITTED TO CFPB AS THEIR REDRESS PLAN REPORT. SEE ATTACHMENT 2. 
	THE FOLLOWING ARE MY COMPLAINTS CAUSING  GREAT FINANCIAL LOSSES AND  SEVERE PHYSICOLOGICAL IMPACTS TO ME.
	COMPLAINT NO.1,   ISSUANCE OF SIX  UNSOLICITED CREDIT CARDS ACCOUNTS 	WITHOUT SUBMISSION OF THE CARDS CHARGING THE ANNUAL 	FEES AND OTHER 	FAKE TRANSACTIONS	
	COMPLAINT NO.2,   EXCLUSION OF DATES OF TRANSACTIONS IN ALL EASYPAY 	MONTHLY TRANSACTIONAL 	REPORT. CITIBANK IS TO   REIMBURSE MY  PAYMENTS OF 	THE BILLS THAT HAVE NO DATES OF TRANSACTIONS DURING THE PERIOD OF XX/XX/XXXX 	UNTIL CONSENT ORDER  IS  ISSUED ON XX/XX/XXXX..
	COMPLAINT NO. 3,  UNAUTHORIZED PAYMENTS FOR UNAUTHORIZED CHARGES. I.E. 	REIMBURSEMENT BY CITIBANK FOR ALL UNAUTHORIZED PAYMENTS FOR 	UNAUTHORIZED CHARGES I MADE 	DURING THE PERIOD OFXX/XX/XXXX UNTIL CONSENT 	ORDER  IS  ISSUED XX/XX/XXXX. 
	COMPLAINT NO. 4, LATE FEES AND INTEREST AND OTHER CHARGES TO MY 	MONTHLY BILLING STATEMENTS FOR REPAYMENTS PERIOD I FILED COMPLAINT FOR 	RESOLUTION UNTIL WHEN THE DISPUTE IS INVESTIGATED 	AND RESOLVED FOLLOWING 	ORDERS IN CFPB CONSENT ORDER.

3.	MY PERSONAL SAVING ACCOUNT WITH ENDING ACCOUNT NUMBER XXXX XXXX 	
	ON XX/XX/XXXX  CITIBANK SENT ME AN EMAIL WITH A CAPTION "PRE-CLOSURE ALERT" FOR MY SAVING ACCOUNT NO XXXX XXXX THAT CITIBANK HAD STOLEN ON XX/XX/XXXX ADVISING ME BECAUSE THAT ACCOUNT HAS BEEN INACTIVE AND HAVE A XXXX BALANCE CITIBANK WILL CLOSE IT IN 30 DAYS FROM NOW. THEY ASKED ME TO REFER TO XXXX. SEE ATTACHMENT 3 FILE.	
	THE BALANCE HAS BEEN XXXX SINCE XX/XX/XXXX BECAUSE CITIBANK WITHDREW MY SAVING ILLEGALLY AND MY CLAIM HAS NOT BEEN SETTLED  FOR CITIBANK TO RETURN THE PRINCIPLE OF MY PERSONAL SAVING WITH ITS INTEREST PLUS AN AMOUNT TO COMPENSATE MY SAVING AND THE INTEREST THAT IS FORGONE FROM THE XX/XX/XXXX TO THE DATE WHEN THIS STOLEN IS RESTITUTED. THIS CLAIM HAS NOT BEEN SETTLED AND CITIBANK CANNOT CLOSE THIS 	ACCOUNT SIMPLY BECAUSE IT HAS BEEN INACTIVE AND HAVE XXXX   BALANCE. CITIBANK CANNOT UNDER ANY LAWS CLOSE IT IN 30 DAYS FROM ANY TIME. 
	THE CURRENT  CONSENT ORDER CONCERN THE VIOLATION OF THE TRUTH IN LANDING ACT WHERE AS THIS CASE IS AN ILLEGAL WITHDRAWAL OF MY PERSONAL SAVING ACCOUNT. PLEASE SETTLE THIS ILLEGAL TREATMENT OF CITIBANK BASED ON THE XXXX  AND AMERICAN LAWS ON PERSONAL SAVING OR CURRENT CONSENT ORDER AS APPROPRIATE AND IN ACCORDANCE WITH EXISTING VALID LAW.
4.	CITIBANK HAS PLACED FAKE CREDIT CARD ACCOUNT  ON MY ONLINE ACCOUNT 	SCREEN.
	I WOULD LIKE TO ALERT CFPB THAT CITIBANK HAS PLACED A FAKE CREDIT CARD ACCOUNT.  THAT I NEVER HAVE. 	THIS 	SUSPICIOULY IS POSTED TO HIDE AND REPLACE MY ONLINE ACCOUNT WITH END ACCOUNT NUMBER XXXX   	THAT HAVE RECORDED HUNDREDS  OF TRANSACTIONS IN YEARS SINCE I OPENED THIS MY CREDIT CARD ACCOUNT IN XXXX. SEE ATTACHMENT 4.
	PLEASE NEVER ALLOW CITIBANK TO USE THIS FAKE ACCOUNT /ITS DATA FOR ANY REDRESS PLAN REPORT FOR SUBMISSION TO CFPB UNDER MY OR ANYBODY'S NAME. 
5.	CITIBANK HAS PERMANENTLY AND UNILATERALLY CHANGED MY ADDRESS I 	REGISTERED SINCE I OPENED MY CREDIT ACCOUNT IN XX/XX/XXXX.
	THERE HAVE BEEN SO MANY LETTERS UNDELIVERED TO ME SUCH AS BANK STATEMENT THAT I USED TO RECEIVE REGULARLY. NOW EVEN THOUGH I PAID Rp. XXXX ADDITIONAL TO GET BANK STATEMENT BOTH IN PAPER AND ELECTRONICALLY I NEVER  GET THE ORDINARY MAIL IN PAPER. 
	PLEASE NEVER ALLOW CITIBANK TO USE MY ADDRESS THAT THEY UNILATERALLY CHANGED WITHOUT MY KNOWLEDGE AND APPROVAL. PLEASE USE THE FOLLOWING ONE  :
NAME 	:  XXXX XXXX XXXX  ADDRESS	: XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE ALSO NOTE MY FULL NAME, NEVER USE OTHER THAN MY FULL NAME.	

I WOULD LIKE TO KINDLY BEG THE REGIONAL DIRECTOR OF THE CONSUMER FINANCIAL PROTECTION BUREAU TO REACTIVATE ALL THESE THREE ACCOUNTS OF MINE TO BE VALID AS REGISTERED AND OPENED IN XX/XX/XXXX FOLLOWING THE REGULATION Z TO BE USED IN THE CALCULATION OF SECTION VIII ORDER TO PAY REDRESS PARAGRAPH 41 LETTER a, b AND c AND TO BE SUBMITED TO THE CFPB REGIONAL DIRECTOR REDRESS PLAN REPORT THAT MUST INCLUDE "THE REDRESS AMOUNT FOR ME AS ONE OF THE POSSIBLE AFFECTED CONSUMERS", AND "THE TOTAL NUMBER OF AFFECTED CONSUMERS  INCLUDING ME AS ONE OF THE POSSIBLE AFFECTED CONSUMERS, IN ACCORDANCE WITH  SECTION VIII PARAGRAPH 42 LETTERS  b AND c OF THE CONSENT ORDER OF XX/XX/XXXX. 	
ELLIMINATING ALL MY CITIBANK ONLINE ACCOUNTS IS ELLEGAL AND WILL SEVERELY IMPACT ACCURACY AND TRANSPARANCY AND THUS ELIMINATE /DAMAGE MY QUALIFICATION  AS LIKELY AFFECTED CONSUMER AND FURTHER REDUCE THE REDRESS AMOUNT/PLAN  FOR ME THAT I AM ENTITLED TO. 
ATTACHED IS ONE OF THE INFORMATION/DATA THAT CONTAINS AND GENERATED FROM MY CITIBANK CREDIT CARD ONLINE ACCOUNT "TRANSACTION SUMMARY" THIS IS THE DATA THAT WILL BE USED IN THE REDRESS PLAN REPORT FOR CFPB AS ATTACHMENT 2. 	            
I STRONGLY AND LEGALLY OBJECT TO THIS CLOSING AND ELLIMINATION OF MY THREE  ACCOUNTS WITH END  ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX  I THEREFORE KINDLY REQUEST CFPB FOR LEGAL PROTECTION TO ORDER CITIBANK TO REACTIVATE THEM  ON MY ONLINE ACCOUNT SCREEN TO BE USED AS ACTUAL DATABASE AND REFERENCES BY ANY AUTHORIZED PERSONNEL TO PREPARE THE REDRESS PLAN REPORT, UNTIL THE REDRESS IS ACCORDINGLY PREPARED, AUDITED BY CFPB AND IMPLEMENTED FOR SETTLEMENT AND/ OR LEGAL CLOSURE OF MY ACCOUNTS . THE CLOSING IS TO BE DONE AFTER BOTH PARTIES HAVE COMPLIED WITH THE EXISTING VALID LAWS AND CONSENT ORDER. XXXX XXXX XXXX  AS POSSIBLE AFFECTED CONSUMER/ CITIBANK ACCOUNTS HOLDER 
OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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