Consumer complaint received 2016-10-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
During the years of XXXX Citi sold many charged of accounts with already inflated puffed misrepresented fraudulent amounts as and with the principle my account happened to be one of those accounts it was a little over {$3000.00} Citi inflated it to over {$6000.00} in a little amount of time. The CFPB contends that, If you had a Citibank credit card between XXXX XXXX, XXXX and XXXX XXXX, XXXX and Citibank raised the interest rate on your credit card due to a delinquent payment or default on your credit card you may be included in the Citibank Credit Card Class Action Lawsuit Settlement. Also Citibank customers to get refunds, debt forgiveness under settlements over allegedly illegal debt collections XXXX XXXX and XXXX XXXX, Citi overstated the interest rates on nearly XXXX card accounts that it sold off to XXXX different debt buyers. Inflation of the principle of the debt by citi illegal and very aggressive debt collection practices purchasing inflated debt without correction also my brother harassing and using his address and as a false person in fradulaent proof of service The second CFPB action is an order to comply with a New Jersey state court order to refund money collected from consumers due to the alleged altering of affidavits, as well as the court 's order to stop collecting an additional {$34.00} XXXX in debts. CFPB is ordering the XXXX debt collection law firms involved in the case to pay a total of {$80000.00} in penalties to the bureau 's Civil Penalty Fund. Im in California and though the CFPB as well as court 's order Citi and debt collector to stop collecting an additional {$34.00} XXXX in debts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has breaking the willfully has done this to me I am still being affected by these practices falsifying documents, altering documents altering affidavits documents filing false. XXXX XXXX XXXX purchased these inflated debts from Citi one or two of the XXXX debt collectors Citibank sold these already altered and falsified document with already inflated principle to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX continued to use these inflated amounts as the basis in filing lawsuits with these false and inflated amounts as a basis on top trying to collect these debts and also lawyer fees and accurals that were totally wrong and to make matters worst continuing after being reminded that UNIFUND and there lawyers are breaking the law tricking courts and sheriff department filed wrongful writ of execution for bank levy all of this while using false altered documents false affidavits possibly robosigned false principle amounts that were used with false affidavits. XXXX XXXX XXXX, XXXX XXXX XXXX are sure to fail chain of title, no contract with the signature between the debt collector and I. They have n't proved this. XXXX must prove that : ( 1 ) it has the right to sue you ; ( 2 ) that debt is yours ; and ( 3 ) you owe the amount they sued you for. They have n't and are still trying to collect debt on this. They continue to willfully break the law even after being sued in class action lawsuits, fines and they continue. It is so unreal these guys are still in business. They know that they are wrong and they still try to get away with any and everything that they can. I am seeking they stop pursuing me. The thing that makes it easy for XXXX XXXX XXXX, XXXX XXXX XXXX to get prosecuted again is the track record. I am seeking that XXXX XXXX XXXX has there debt collecting bond revoked since they continue to disobey the law time and time again so willfully, For filing so many false and altering court filings XXXX XXXX group requires being barred and there Bar number revoked. I warned them through a cease and desist letter informing them that they are breaking the law by continuing to try to collect so instead of doing what is right by. ( THERE IS MORE TO THIS )

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