Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I requested Citibank discharge or offset the balance on my Sears Citibank Mastercard to the US Treasury in accordance with Public Policy HJR 192 of 1933 et al. However, Citibank has ignored my written requests, they have kept the documents provided to them needed to perform the discharge ( i.e. two 1099a forms, two remittance coupons, affidavits and notices of acceptance for value ) and they continually call me without my permission. When I reach out to them via online messaging they refuse to provide me an opportunity to follow up with them via email in order to preserve my rights. I am submitting in PDF a copy of the documents ( Notices of Acceptance for Value, Affidavits, 1099a, remittance coupon, exhibit ) sent to them via certified mail in XXXX, XXXX and XX/XX/XXXXXXXX  and proof of delivery via the USPS website. 

Now that Citibank has illegally refused to perform the discharge and are in default because they failed to provide a notice of dishonor from a qualified third party such as the US Treasury, they are illegally charging late fees in violation of 15 USC 1666 ( b ) which states under ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX I called Citibank at XXXX to request removal of the XX/XX/XXXX late fee but XXXX, the representative said the system would not allow her to remove it. She even tried to get help from a Supervisor but the system blocked them from removing the late fee. 

As proof that the balance is supposed to be discharged and returned to the US Treasury please see the following laws : All debts are the obligation of the US Treasury as shown in 18 USC 8 Obligation or other security of the United States defined : The term obligation or other security of the United States includes all bonds, certificates of indebtedness,, coupons, XXXX  : XXXX # : ~ : XXXX % XXXX % XXXX  % XXXX % XXXX  % XXXX % XXXX % XXXX, notes % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX The term coupons refers to the same coupon all credit card companies such as Citibank issue every month to consumers which is the detachable stub at the bottom of each months billing statement. 
As further confirmation that debts are the obligation of the US Treasury see 31 USC 23 or 31 USC 3123 Payment of obligations and interest on the public debt : ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt XXXX XXXX XXXXXXXX According to HJR 192 of 1933 the gold standard was suspended and the requirement of a particular type of payment is inconsistent with the declared policy of congress. Every obligation shall be discharged. 
Whereas the holding of or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction : Whereas the existing emergency has disclosed that provisions or obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United Statesobstruct the power of the Congress to regulate the value of the money of the United States, and are therefore inconsistent with the declared policy of the CongressEvery obligationshall be dischargedThe term obligation means an obligation ( including every obligation of and to the United States ) 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