Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Unauthorized Sale of Debt and Violation of the Fair Debt Collection Practices Act ( FDCPA ) ** I am writing to bring attention to the unlawful actions taken by Citibank and its subsequent sale of my account to a third-party debt collector, XXXX XXXX XXXX XXXXXXXX, without my knowledge or consent. The following outlines the series of events and potential violations under the **Fair Debt Collection Practices Act ( FDCPA ) ** : 1. **Unauthorized Sale of Debt : ** Citibank , without providing me prior notice or seeking my permission, transferred my account to XXXX XXXX XXXX XXXX XXXX This act occurred without any written communication or proper disclosure as required by the FDCPA, which mandates that a debtor must be notified of any transfer of their debt to a third party. 

XXXX. **Subsequent Sale to a Law Firm : ** XXXX XXXX XXXX XXXX, in turn, sold my file to a law firm that does not have the legal standing to pursue this matter. Since the original contract for the debt was with Citibank, the law firm has no direct relationship with me or the debt. Under the FDCPA, a debt collector is prohibited from misrepresenting their legal rights or the rights of any other party involved. 

3. **Violation of FDCPA Provisions : ** - **Section 1692c** ( Communication in Connection with Debt Collection ) : The law requires that I be notified of any assignment or transfer of the debt. Citibank failed to communicate such a transfer to me, thus depriving me of my right to dispute or question the debt collectors authority.

- **Section 1692e** ( False or Misleading Representations ) : XXXX XXXX XXXX XXXX and the law firm may have misrepresented their ability to take legal action, as they do not have a legitimate contract with me. These parties can not legally pursue collection of a debt they did not originate, which constitutes a misrepresentation under the FDCPA.

- **Section 1692f** ( Unfair Practices ) : The actions of selling my account multiple times without my knowledge or consent may also be deemed unfair and abusive under the FDCPA. These practices compromise my rights as a consumer and expose me to unlawful collection tactics.

4. **Unlawful Legal Actions : ** The law firm pursuing the debt may be engaging in unauthorized legal actions, as they do not have any legal claim to the debt. This action could be seen as an attempt to manipulate or coerce me into paying a debt that has been unlawfully transferred multiple times.

In conclusion, the unauthorized sale of my account by Citibank, the subsequent transfer to XXXX XXXX, XXXX, and the sale of my file to an unqualified law firm represents multiple violations of the **Fair Debt Collection Practices Act ( FDCPA ) **. These actions have compromised my rights and caused undue distress. I request immediate cessation of any further collection attempts and an investigation into these unlawful practices.

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