Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX CITICARDS CBNA XXXX XXXX XXXX PLACE MAIL XXXX XXXX XXXX XXXX, SD XXXX Phone : ( XXXX ) XXXX Re : Dispute and Demand for Debt Validation Under the FDCPA Account No. : XXXX / SSN : XXXX Dear Sir or Madam, I am writing to formally dispute and demand immediate validation of the alleged debt referenced above. I categorically state that I did not apply for or authorize the opening of any credit card account with your institution. I suspect that this account may be the result of identity theft or a clerical error. Under the Fair Debt Collection Practices Act ( FDCPA ), I demand that you provide full and verifiable documentation establishing this debt and linking it to me. 

Account Information for Your Reference : - Account Name : CITICARDS CBNA - Account Number : XXXX - Account Type : XXXX XXXX  ( Credit Card ) - Date Opened : XX/XX/XXXX - Status : Closed Charge-off ( Status updated XX/XX/XXXX ) - Current Balance : {$9000.00} ( Balance updated XX/XX/XXXX ) - Credit Limit : {$3500.00} - Last Payment Date : XX/XX/XXXX - Past Due Amount : {$5500.00} - Highest Balance : {$0.00} - Responsibility : Individual Account Pursuant to the FDCPA, I hereby demand that you provide the following documentation without delay : XXXX. Proof of Authorization : Provide copies of any application, agreement, or other documentation that purports to show that I applied for or authorized the opening of this credit card account. 

XXXX. Chain of Assignment and Title : Furnish a complete record detailing the chain of title and any assignment linking this account to me, including evidence establishing your legal standing to collect on this alleged debt. 

XXXX. Verification of Debt Amount : Supply detailed account statements that verify how the current balance of {$9000.00} was determined, including an itemized breakdown of all fees, charges, or interest applied. 

XXXX. Explanation Regarding the XXXX : As the account has been charged off, if the debt has been canceled or forgiven, I should have received a Form XXXX. Please explain why I have not received this form if the debt was indeed canceled. 

If you fail to provide the requested documentation within XXXX days of your receipt of this letter, you must immediately cease all collection activities and remove any negative information regarding this alleged debt from my credit files. I reserve all rights under federal law to pursue all available legal remedies, including filing formal complaints with the Federal Trade Commission, Consumer Financial Protection Bureau, and other applicable regulatory agencies. 

All future communications regarding this matter must be in writing and sent to the address provided above. 

Thank you for your prompt attention to this serious matter. I expect your full response within XXXX days of receipt of this letter. 

Sincerely, 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 non-monetary relief