Consumer complaint received 2024-02-03 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: NV

Complaint narrative:
I had an unsecured credit card debt with Citibank more than 20 years ago. I asked my mother to cosign so I could build my credit. The credit limit was probably not more than {$1200.00} maybe {$2000.00} XXXX. I hadn't paid the on the bill for years. It was due to be removed from my credit files. Suddenly my mother started getting harassing letters and threats of a lawsuit for my unsecured credit card debt. My mother was dealing with failing health then and is now battling memory loss and XXXX stage XXXX XXXX. She is XXXX XXXX XXXX and currently in foreclosure due to a bad mortgage deal with XXXX  XXXX. I am her POA and am trying to save her home. I see where XXXX XXXX or debt buyers has placed a lien on her home for over {$25000.00}. When my mother was subpoenaed to court over a credit card that wasn't even hers, I was by her side. We hired a lawyer that did nothing to represent us. This debt was due to fall of my credit report and they went in and said there was a payment made which started the collections back over so they could sue my mother because she has assets. It's not right that they were able to get away with this. My mother didn't know what was even going on or why she was being sued. In court the lawyer didn't bother to object to this company making a false statement that a payment was made. There was no record of a payment coming from my mother 's account or no proof at all. They were able to get a judgement against my mother for my credit card debt. I had also filed bankruptcy and it should of been XXXX. I want to know how it is even possible to be sued for an unsecured credit card debt. There has to be laws against people taking advantage of unsuspecting seniors. This credit card was probably sold to them for pennies on the dollar. They took advantage of my mother. She is not well and this stress is killing her literally. She as well as my dad have been dealing with severe stress and failing health since. I would like this situation investigated as I was the card holder and it is effecting my parents ability to have a decent place to stay. There has to be a burden of proof as well as truth. I reached out to you several months ago regarding my mother 's mortgage with XXXX for guidance. She is now in foreclosure. This was an absolute shock and a slap in the face. This matter needs to be investigated and the lies needs to be removed from my parents home. I am reaching out to the attorney General and want to see if there was some type of improper relationship between the judgement and this company. There is absolutely no way this could be legal. They are wanting my parents who are on a fixed income with declining health to pay them {$25000.00} for my unsecured credit card debt. I don't know how to have this investigated with the courts but I'm willing to take it to the Supreme Court. As citizens we are all entitled to justice. This is wrong.

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