Consumer complaint received 2025-02-18 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: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the ongoing and current unlawful debt collection practices employed by Citibank , N.A . ( hereinafter " Citibank '' ), in relation to an alleged credit card debt that is more than XXXX XXXX XXXX. I believe Citibank 's actions violate the Fair Debt Collection Practices Act ( FDCPA ), as well as the statute of limitations applicable under the laws of both XXXX  and XXXX  state, where I previously resided and currently reside, respectively. 

The specifics of this matter are as follows : Debt Background and Statute of Limitations : I opened the subject credit card account while residing in XXXX. I now reside in XXXX  XXXX. The debt in question is over 10 years old. Pursuant to the statutes of limitations for credit card debt : Under XXXX  law, the statute of limitations for such debts is four ( 4 ) years from the date of the last payment or activity on the account. 
Under XXXX  state law, the statute of limitations is six ( 6 ) years. As such, this debt is legally time-barred from collection or legal action under the applicable statutes of limitations.

Unlawful Debt Collection Practices : Citibank has engaged in repeated and excessive collection efforts, including but not limited to : Multiple phone calls per day to my personal phone number. 
Phone calls made to my mother, who is not responsible for this debt, in an attempt to collect the alleged debt from me. These actions are in clear violation of the FDCPA, specifically provisions that prohibit harassment and communications with third parties without my consent. 
Threats of Legal Action : Citibank has made multiple threats to initiate legal action against me regarding this debt, despite the fact that the debt is clearly beyond the statute of limitations in both XXXX  and XXXX  XXXX. These threats are not only legally groundless but also constitute intimidation and are intended to coerce payment from me for a debt that is no longer legally collectible. 

Failure to Provide Proper Debt Validation : Despite my repeated requests for formal verification of the debt, Citibank has failed to provide a written validation of the alleged debt in accordance with my rights under the FDCPA. Specifically, I have received no written confirmation of the debt amount, nor any documentation substantiating the claim they are making. Citibank is required by law to provide such verification upon request, and their failure to do so is a violation of my consumer rights. 

Request for Relief : In light of the above, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) initiate an investigation into Citibanks unlawful debt collection practices, including but not limited to : Engaging in harassment and illegal communications with third parties. 
Making unlawful threats of legal action based on a debt that is beyond the statute of limitations. 
Failing to provide proper validation of the alleged debt. 
Further, I request that the CFPB assist in ensuring Citibank ceases all illegal collection efforts, including the immediate cessation of all phone calls and threats of legal action. I am also requesting that Citibank be held accountable for its violations of the FDCPA and state law. 

If Citibank 's unlawful practices continue, I reserve the right to pursue additional legal remedies, including but not limited to filing suit for violations of consumer protection laws. 

I have attached all relevant documentation regarding the timeline of events and any communications from Citibank. Should you require any further information or clarification, I am prepared to provide additional details. 

Thank you for your attention to this serious matter. I trust the CFPB will take swift and appropriate action to ensure Citibank complies with the law. 

Sincerely, Another Anger 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