Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is a new complaint, in regards to prior complaint # XXXX filed on XX/XX/XXXX against Citibank. This recent complaint was responded by Citibank with the attached letter, dated XX/XX/XXXX. In this response, Citibank asserted that on XX/XX/XXXX they placed this account with XXXXXXXX XXXX XXXXXXXX for collection to the alleged debt or debts. This account was subject to an unethical civil complaint, filed by XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. I immediately responded in an answer to the court on XX/XX/XXXX. On XX/XX/XXXX a direct fax notification of representation of counsel and of the automatic stay was sent to XXXXXXXX XXXX XXXX. Further notifications of cease and desist any further communication or collection attempts as such would be in contempt of court proceedings. XXXXXXXX XXXX XXXXXXXX received this notification by direct fax by my attorney on XX/XX/XXXX as well by us mail by the court clerk. After receiving such notification, XXXX XXXX XXXX failed to dismiss the pending civil complaint, violating the automatic stay as required by law, and continued attempts to go forward with this civil complaint. This resulted in a complaint to the CFPB. On XX/XX/XXXX XXXX XXXX XXXX eventually dismissed this civil complaint or be held in contempt of court proceedings. Citibank, in their response states they they recalled this case on XX/XX/XXXX but no evidence to such allegation is noted or sent to me or the court to such action. Nor has Citibank provided such recall evidence or documentation to such. In this recent complaint, Citibank further stated they notified XXXXXXXX XXXX XXXX to respond as well to this complaint # XXXX filed on XX/XX/XXXX and I received this response from Citibank on XX/XX/XXXX. They further stated that an attachment from XXXXXXXX XXXX XXXXXXXX was attached. This was not true and no attachment was in this response. I received XXXX XXXX XXXX response today, XX/XX/XXXX. After reading this response, XXXX XXXX XXXX replied in paragraph 2, line # 3 that The customer alleged identity theft and fraud that was escalated for review and denied is false, misleading and inaccurate information by XXXXXXXX XXXX XXXXXXXX. This unethical conduct of statements to such is fraudulent and unacceptable. Ive never claimed this account was related to identity theft or fraud. In XX/XX/XXXX an identity theft report was made directly due to personal information being compromised by the Department of Defense through their agents, XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX but was notified of such in XX/XX/XXXX. Other institutions such as team Moble and ticket master was also breached in the months following. This was the main reason for filing such possible identity theft or fraud is possible. XXXXXXXX XXXX XXXXXXXX making such claims as to Citibanks investigation of this if false and misleading claims to this account. Ive never claimed this account or others are related to fraud or identity theft and such allegations or accusations of such by XXXX XXXX XXXX along with Citibank should be careful for using such language or making such claims/ Statements to accounts with alleged debt. This complaint is to advise the CFPB of the unethical and misleading information, statements of somehow this account was related to identity fraud or theft that they claim I made is misleading information.

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