Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Peace and Love To All Who Read This! 

XXXX XXXX Numbers ( XXXX, XXXX, XXXX, XXXX ) I am an investor and XXXX  in this company. I am a living man of legal age and beneficiary of this account. I have given more than XXXX notices. Any and all forms of your power of attorney have been removed. This account is supposed to be in billing error status. Several negotiable instruments have also been sent in order to settle the account. Several notices have been sent to your office and indentured trustee at XXXX XXXX. You have received XXXX from myself and the IRS. Instead of honoring the billing error status and honoring the request that funds owed to the noteholder are returned, you instead took actions to close the account and suspend spending abilities. Thats considered adverse action and is unlawful. 
Several registered securities ( negotiable instruments ) have been sent to the indenture trustee and your office. Those securities were kept and not returned. However, my account was not credited. Thats considered mail fraud, security fraud, theft, and unjust enrichment and shall be reported to the proper authorities if I do not receive remedy immediately. 
XXXX XXXX XXXX XXXX XXXX  Violations I know that you are trading my account via the security exchange through your XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX NEW YORK XXXX - XXXX XXXX XXXX. I know that you have securitized and transferred my contract and application to and through your XXXX and XXXX XXXX. I will hold everyone who has sold or received the notes/securities accountable. 
Your XXXX and prospectus filed with the SEC states that youre supposed to cancel out all debt by XX/XX/XXXX for the prior year. XXXX supposed to credit my account for any balance in excess of {$1.00} according to 12 CFR 1026.11. XXXX supposed to transfer it to my bank account every month via the XXXX Funds Transfer Act. You're supposed to settle out my balance at the end of every month. That the statement that I receive monthly is for a dividend. 
With that being said, no consideration was given to me and you just assumed that everything was a gift. I am the only XXXX not being paid in this transaction. Even after I brought it to your attention that I wanted my funds back and wanted to receive my payments as written in your documents, you continued to steal from me. Thats unjust enrichment, racketeering, and the fact that youre doing it to so many customers, its considered organized crime. 
Being that theres no proof by way of the XXXX that the bank actually lent me any money and in fact I actually loaned them money by way of my Social Security XXXX. They then used my credentials to pull money from the treasury using their clearinghouse and those funds were then returned to an account they opened up in my name. The money was created out of thin air and there were no withdrawals from their account at any time. Furthermore, youre using my application and account to sell and make a profit. I gave you valuable consideration and you provided nothing in return. You also didnt buy the note from me, but strangely youre trying to take my money then make me pay you back on money that you stole from XXXX. 
Ive read through your SEC filings as well as the laws pertaining to those filings. You will see the laws and excerpts from your filings down below for reference. It clearly states what youre supposed to do as your fiduciary duty. 
XXXX Violations I have sent you several signed securities pursuant to XXXX XXXX XXXX in which you have not credited to my account nor returned the securities ( instruments ). According to the Federal Reserve Act Section 29, you are in violation and I am owed Civil Money Penalties. I have all the receipts from where I sent you securities via registered mail. My next step is to report those securities stolen to the XXXX, XXXX, XXXX  XXXX, FTC, and the SEC. 
XXXX XXXX I'm opting out of your reporting services until further notice. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer, XXXX have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. Effective Immediately.

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 non-monetary relief