Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
NOTE : The CFPB Website is extremely limited in its fields of explanations so " The wrong amount '' was checked, so the complainant could continue with this complaint, the reasons are but not limited to : Violations of the FDCPA, CFR, and TCPA. This complaint is not to remedy any violations but to make an Official, permanent complaint to mark a series of FDCPA violations that are pursuant to " deceptive business practices '' and mark a general disposition and or practice by the company XXXX XXXX XXXX which is a debt collector defined by the FDCPA and the TCPA. 

1 ). In the year of XXXX a Credit Card Account was initiated with CITIBANK d/b/a CITICARDS. 
2 ). The Account was in dispute by phone and notarized affidavit after the complainant noticed a myriad of discrepancies on his account statement. 
3 ) .CITIBANK d/b/a CITICARDS ignored all claims made by the complainant violating billing error resolution laws. 
4 ). The only response from CITIBANK d/b/a CITICARDS was a letter stating that it wouldn't contact the complainant about the alleged debt any longer. 
5 ). The dispute remains unresolved. 
6 ). CITIBANK d/b/a CITICARDS sold/assigned the open disputed account to XXXX & XXXX XXXX  without the complainants permission or consulting with the complainant about the account. 
7 ). CITIBANK d/b/a CITICARDS disseminated the complainants personal identifying information during an open, unresolved billing error dispute without the permission or consent of the complainant. 
8. ) XXXX XXXX XXXX XXXX has been made aware multiple times that this account was in dispute, and that it has acquired my PII by identity theft and also that it was in violation the FDCPA by attempting to collect this alleged debt. 
9. ) XXXX XXXX XXXX XXXX has submitted and filed false and misleading affidavits in a Court of Law. 
XXXX. ) The complainant has made XXXX XXXX XXXX XXXX aware of its " unclean hands '' because of the fact that line 9 of the affidavit that was submitted in a TN General Session court to initiate legal action was false and misleading but continues to pursue action, though it knows its actions are unfair and deceptive violating the FDCPA-TCPA including but not limited to : CFR 12 1006.34 ( c ) ( 3 ) ( i ) in particular part : " the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment ''. Note : ( A billing statement alone is not sufficient validation of a debt, nor does it reflect any actions in pursuant to the resolution of a billing error or dispute from them or the original creditor. 
11 ). XXXX & XXXX have no proof of assignment. 
12 ). The Account in question has been charged off as of XX/XX/XXXX. XXXX. 
13 ). In the State of Tennessee pursuant to a TN Bankruptcy Court ruling : In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Summary ; concluded that the creditor or ( third party debt collector ) can not collect on a debt that has been charged of due to its inequitable nature, by having the debtor claim the 1099-C as income and still have to pay the alleged debt back. 
14 ). These action from XXXX XXXX XXXX are meritless, in gross violation of the FDCPA TCPA and is in defamation of my character and the complainant has suffered actual harm because of these actions by XXXX XXXX XXXX XXXX. 
15. The complainant will reiterate previous statements that XXXX XXXX XXXX XXXX has a habit of violating Federal and State Debt Collection Laws, and are hallmarks of a continuing illicit enterprise of profit by way of those violations. XXXX XXXX XXXX XXXX has made it a generalized practice to violate the FDCPA and disregard State law, and now have well over a hundred complaints via the CFPB and the XXXX  that are increasing every month. 
15 ). XXXX XXXX XXXX XXXX has a generalized practice of violating the FDCPA until a recourse of legal action is brought against them in District Courts throughout the United States were they mostly settle with the Plaintiff who took the action against them. 16 ). XXXX XXXX XXXX XXXX is taking advantage of unsophisticated consumers who don't have the money for good Attorneys, don't understand the law, or the rights that they have as consumers, hallmarking despicable predatory actions against the American consumer. 
17. ) The complainant has contacted the TN Attorney Generals Office in regards to this issue

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