Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account No. : XXXX Consumer : XXXX XXXX Third Response to Failure to Validate/ Notice of Dispute To the Compliance Department, I am in receipt of your recent responses to my Consumer Financial Protection Bureau ( CFPB ) complaints and your correspondence regarding the above-referenced account. I have reviewed your responses dated XX/XX/XXXX, XX/XX/XXXX, and your most recent response. I am writing to inform you that your responses are legally insufficient and do not satisfy your obligations under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. You have repeatedly claimed that you have provided " validation '' and that a " signed contract is not required. '' However, you are confusing an initial validation notice with the verification required upon dispute. These are XXXX distinct legal requirements. The Legal Violation I sent a written dispute demanding validation. Pursuant to 15 U.S.C. 1692g ( b ), upon receipt of a written dispute within the validation period, a debt collector must cease all collection activity until they obtain verification of the debt and mail a copy of that verification to the consumer. You have failed to do so. Your responses merely state that you have " mailed validation '' or included " original account level documentation. '' However, you have not provided the actual proof required to substantiate your claim that I owe this debt, nor have you proven that you have the legal right to collect it. Specifically, you have failed to provide : Proof of Chain of Title/Assignment : You claim an affiliate purchased this account from Citibank on XX/XX/XXXX. You have not provided the Bill of Sale or Assignment of Account that demonstrates a valid transfer of this specific debt from Citibank , N.A . to XXXX XXXX I, XXXX or any XXXX affiliate. Without this, you can not prove you own the debt or have standing to collect. Itemized Accounting : You have not provided an itemized breakdown of how the current balance was calculated, including the principal amount charged off by Citibank and any interest or fees added by XXXX. Under 15 U.S.C. 1692f ( 1 ), collecting any amount not authorized by law or agreement is prohibited. Proof of Contract : While I acknowledge a signed cardholder agreement is not always required, you have failed to provide any documentation showing my usage of the account, such as account statements from Citibank dated around XX/XX/XXXX ( the alleged open date ) through XX/XX/XXXX ( the alleged charge-off date ) that bear my name and address. The " Original Account Level Documentation '' Sham You claim to have sent " original account level documentation. '' If this documentation consisted merely of a computer-generated printout from your own system, or a summary screen, this does not constitute " verification '' under the FDCPA. Verification requires that you provide enough information to enable me to verify the debt is correct and that I owe it. A printout from your own computer is not evidence that the underlying debt with Citibank was valid. Furthermore, your implication that I submitted a fraudulent Form 1099-C is noted. However, the validity of that form does not negate your independent legal obligation to provide verification of the debt you are attempting to collect. Cease Collection and Cease Communication I have previously requested that you cease communication. While you have placed the account in " cease and desist '' status regarding phone calls, you continue to report this disputed debt to credit reporting agencies. Reporting a debt to credit bureaus constitutes collection activity. Because you have failed to provide proper verification as required by 15 U.S.C. 1692g ( b ), you are not permitted to continue any collection activity. This includes reporting or continuing to report this tradeline to XXXX XXXX XXXX XXXX Under 15 U.S.C. 1692e ( 8 ), a debt collector violates the FDCPA by communicating credit information which is known to be false, which includes failing to communicate that a disputed debt is disputed. By reporting this debt to credit bureaus without noting it as disputed, or by continuing to report it at all without validating it, you are violating federal law. Demand for Action Therefore, I demand the following : You must immediately cease all collection activity and communication regarding this alleged debt until proper verification is provided. You must provide me with the following specific documentation : A complete chain of title, including the Bill of Sale between Citibank and XXXX XXXX I, XXXX referencing my name and account number. Full account statements from Citibank from the account 's inception ( XX/XX/XXXX ) through the charge-off date ( XX/XX/XXXX ). A complete calculation of the alleged debt, showing the charge-off balance and any post-charge-off interest or fees added, with legal authority for those additions. If you can not provide the above documentation, you must immediately request deletion of this tradeline from all credit reporting agencies and provide me with written confirmation of such deletion. Your failure to comply with this request will be viewed as a willful violation of the FDCPA. I will pursue all legal remedies available to me, including filing a lawsuit for actual damages, statutory damages, and attorney 's fees pursuant to 15 U.S.C. 1692k. Sincerely, 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