Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
About XX/XX/XXXX | was contacted by XXXX XXXX XXXX  stating that they could reduce my high credit card debt by negotiating with several of my creditors to reduce charges owed over the upcoming year for a fee that I would not be be responsible for as it would be included in negotiations with the creditors. 
On XX/XX/XXXX the upfront fee of {$9900.00} was charged to my Citi Double Cash Card. My credit card debt was transterred to other existing credit cards resulting in bank transfer fees. As I was told by ADS to stop paying the credit cards they were working with many creditor late payment charges were made. My credit score dropped from about XXXX to XXXX. 

On XX/XX/XXXX the Federal Trade Commission sued XXXX  for alleging XXXX XXXX has " engaged in the deceptive marketing and sale of debt relief services, including impersonating banks and government officials, unlawfuconsumers ' credit reports, taking unlawful advance fees, and violating Do Not Call requirements. '' All assets were frozen and business closed. 
The Citi Double Cash resolved my dispute by saying I was responsible for the charge. 

Notice to Consumers From : Court-Appointed Receiver for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX RE : XXXX XXXX XXXX and Related Companies Have Been Sued by the Federal Trade Commission You are receiving this notice because you are a customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These companies were recently sued by the Federal Trade Commission ( FTC ) which alleges they have engaged in the deceptive marketing and sale of debt relief services, including impersonating banks and government officials, unlawfully obtaining consumers credit reports, taking unlawful advance fees, and violating Do Not Call requirements. 

The United District Court for the District of Arizona Issued a Temporary Restraining Order on XX/XX/XXXX which appoints a Temporary Receiver to take control of the companies. Here is some important information about the lawsuit and your rights : 1 ) Lawsuit Filed : The FTCs lawsuit was filed on XX/XX/XXXX, against the four companies listed above, three of their affiliates ( XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX ), and three individuals : XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Based on his review, the Receiver has also added XXXX other related parties to the receivership - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX ) Temporary Restraining Order ( TRO ) Entered XX/XX/XXXX : The TRO prohibits unlawful conduct, freezes the Defendants assets, and appoints a receiver to take control of the debt relief businesses. ( A copy of the TRO can be found on the Receivers website at XXXX XXXX XXXXXXXXXXXXXXXX XXXX XXXX ) Preliminary Injunction Hearing : A hearing is now set for XX/XX/XXXX, for the Court to determine whether to enter a Preliminary Injunction ( which would continue indefinitely until a trial of the case ) and to confirm the asset freeze and the appointment of the Receiver. 

4 ) Receivers Preliminary Investigation and Suspension of Operations : As required by the TRO, the Receivers team conducted a preliminary review of operations and filed a Preliminary Report on XX/XX/XXXX, which concluded the business could not be operated legally and profitably and, therefore, suspended operations pending further direction from the Court. You can review the Preliminary Report in the Documents section of the Receivers website. 

5 ) Settlement Payments Can Continue : If you are presently making payments to a creditor ( s ) on a debt settlement negotiated on your behalf by the Defendants, you can continue to make those payments. Those settlements are not affected by the FTC lawsuit. 

6 ) No Further Settlements by Defendants : If some of your enrolled debts were not settled prior to issuance of the TRO on XX/XX/XXXX, those debts will not be negotiated or settled by the Defendants. 

7 ) You May Contact a Lawyer, Debt Counselor or Your Creditors Directly : The Receiver is unable to give you legal advice on how to resolve your outstanding enrolled debts. You may wish to consult an attorney or a non-profit debt counselor to understand your rights. Alternatively, you can contact the creditors directly. 

8 ) If you Need a List of Your Outstanding Enrolled Debts : If you are unsure of the settlement status of your enrolled debts and you signed up for a company portal, you can still get that information in the portal. If you did not sign up for the company portal, please send an email requesting a list of outstanding debts to XXXX. 

We will provide periodic updates on the case through the Receivers website. If you have additional questions, please send them to XXXX and reference the debt relief services company involved in the subject line.

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