Consumer complaint received 2016-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear Agency : 1. RESPONDENT ( S ) failed to rebut, answer, or respond, to Conditional Acceptance Upon Verifiable Proof of Claim, and Certificate of Mailing, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, 2016 ; with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability, with evidence attached, of all statements herein made being false, and a copy with all evidence and a copy sent to undersigned for rebuttal or acquiesce. That Conditional Acceptance upon Bona Fide Proof of Claim gave you a reasonable deadline to perform. And, at no time before then, or after then, have you requested a reasonable extension of that deadline. To date, RESPONDENT ( S ) failed to rebut, address, answer, or respond in this matter, you have chosen instead to fall completely silent. Accordingly, RESPONDENT ( S ) is now in default as against undersigned 's Conditional Acceptance upon Verifiable Proof of Claim, and Certificate of Mailing. Under the doctrine of " qui tacet consentire videtur, " he who is silent is taken to agree '', " silence implies/means consent ''. Moreover, under the doctrine, your silence has activated estoppel in this matter. 

2. I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. 

3. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying. 

4. Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. 

5. If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file the Conditional Acceptance upon Verifiable Proof of Claim, and Certificate of Mailing, USPS Certified Mail Delivery Confirmation and this AFFIDAVIT OF NON RESPONSE. 

No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE - W ITHOUT RECOURSE - NON-ASSUMPSIT NOTICE IS HERE BY GIVEN, this document stands under the doctrine of " qui tacet consentire videtur, " he who is silent is taken to agree '', " silence implies/means consent ''. Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Failure to rebut, address, answer or respond in this matter by XXXX XXXX, 2016 created a Default Judgment and Declaratory Judgment of the facts stated herein being true. Failure to rebut or continued acquiesce, failure to address, answer or respond in this matter XXXX XXXX, 2016 created a Summary Judgment. Further Failure to rebut, address, answer or respond in this matter by XXXX XXXX, 2016 created a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under " full faith and credit '' in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

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