Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This report is in regards to a Citibank credit card and debt sale and collection actions by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX on XXXX income only. I was adjudicated as XXXX % XXXX effective XXXX XXXX, but the decision took until XXXX XXXX for adjudication by XXXX, In XXXX XXXX I notified Citibank of my XXXX and impending XXXX due to the decision delay by XXXX. I had previously accepted the offer from Citibank for the add on service to payoff the balance if I became XXXX or XXXX. 

On XXXX XXXX, XXXX I received an update from XXXX XXXX, Reference : XXXX, requiring phone contact to which I was XXXX unable to respond. 

I was homeless until XXXX XXXX when the XXXX and XXXX XXXX secured housing and food and established my VA XXXX XXXX. Through their legal aid program they contacted Citibank on my behalf in XXXX XXXX which Citibank never responded to. The negative credit reporting by Citibank was a major issue in the XXXX XXXX securing housing for me even when they were paying the rent directly with their financial resources. 

Citibank continued the negative reporting and failed to include my account in the CFPB investigation and fines levied against them in XXXX. After the CFPB case was resolved, Citibank sold my account to XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX. then began contacting me directly by mail and telephone to collect on the account bypassing my legal representation who had contacted Citibank. 

Both Citibank and XXXX XXXX XXXX XXXX were simultaneously reporting negative information on the same account to this day. 

XXXX XXXX XXXX XXXX. filed civil suit in XXXX XXXX Florida small claims court case number XXXX filed XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
Retained Bar ID : XXXX XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX The account was protected by the add on service Citibank offered. It should have been paid off without negative credit reporting. 

Citibank failed to disclose this fraudulent failure to provide benefit during the CFPB investigation leading to the estimated {XXXX} XXXX XXXX fine in XXXX. 

Citibank then packaged and sold the account to XXXX XXXX XXXX XXXX without disclosure to the CFPB or my legal representation. Citibank continues to report negatively on the account. 

XXXX XXXX XXXX XXXX was informed by my legal representative of the prior actions by Citibank and refused to respond through their attorney, XXXX XXXX XXXX XXXX has been reporting negatively on the account since they purchased it from Citibank. It is currently listed as in collection. 

XXXX XXXX XXXX XXXX filed the Civil lawsuit for debt recovery just as my federal student loans were approved for total permanent XXXX discharge, indicating that they were monitoring my credit to decide whether to sue federal since student loans would have preferential treatment in collections or bankruptcy, I believe that I have been denied my benefit of balance payoff by fraud by Citibank. I believe that the type of XXXX may have been a factor in thir actions. I have been denied due process by having the account sold to XXXX XXXX XXXX XXXX and being contacted directly for collections actions while I had established legal representation.

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