Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I requested disclosure of XXXX specific items and the accuracy of debt from XXXX XXXX, XXXX XXXX ( XXXX XXXX at Citi ), and XXXX XXXX ( XXXX ) of CITIBANK N.A. 

I was certain that a company as big as CITIBANK N.A. and its upper management would have no problem following consumer protection laws and privacy rights while honoring my lawful request for disclosure and accuracy of debt. 

It was also requested that all correspondences from XXXX XXXX, XXXX XXXX ( XXXX XXXX at Citi ), and XXXX XXXX ( XXXX ) of CITIBANK XXXX. arrive notarized under the penalty of perjury to ensure all information provided would be accurate and lawful. My lawful command was ignored. 

While XXXX XXXX ( XXXX ) of CITIBANK N.A. failed to respond, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) exclaimed verbatim, in a one-page letter, " We found our actions on your account to be compliant with all applicable laws. '' How could XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. express that their actions were lawful while operating in default for failing a lawful request of XXXX items for disclosure and accuracy of debt? All the while CITIBANK N.A. continued to send baseless statements printouts and a redacted form as disclosure which is unlawful under the law. 

More than half a year has passed without XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. fulfilling my lawful request for disclosure. This goes beyond the referenced " reasonable timeframe '' under federal and state law, for companies to respond to such lawful requests. 

Compounding these violations, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. CITIBANK N.A. expected payment while in default, adversely impacting my credit score. It is illegal to expect payment without proving debt accuracy and fulfilling a disclosure request. 

If XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. complied with federal and state consumer protection laws and privacy rights, they would have avoided reporting inaccurate information to my credit profile and unlawfully charging off the account during a pending request for debt verification and disclosure. 

The closing of my charge account without warning and the subsequent charge-off of an unverified debt constitutes an adverse action, particularly given the account 's use for essential expenses. 

XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. further violated federal and state consumer protection laws and privacy rights by not providing a 1099-C IRS document following the unlawful charge-off of the account referenced. This failure necessitates an audit by the IRS under Forms XXXX and XXXX, exploring the questionable practices of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at Citi ) of CITIBANK N.A . 

Additionally, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. improperly shared my sensitive personal information with XXXX third-party debt XXXX, specifically XXXX XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX and Attorney XXXX XXXX XXXX of XXXX XXXX XXXX P.A XXXX 

XXXX XXXX XXXX XXXX Collections Supervisor ) of XXXX XXXX XXXX XXXX unlawfully contacted me on XX/XX/XXXX. I noticed an immediate red flag upon opening the correspondence of XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX 

The first page of XXXX XXXX XXXX XXXX Collections Supervisor ) of XXXX XXXX XXXX XXXX was a remittance coupon that could be fully indorsed and sold as a security or a negotiable instrument. The rest of the documents were the same baseless printouts with another redacted form which is unlawful for a disclosure. 

Why was XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX attempting to collect a charged-off debt twice? XXXX times if you consider XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. unlawfully charging off the account. 

In response, I sent notarized affidavits of truth under the penalty of perjury, citing relevant state and federal laws, codes, and statutes, to XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX enforcing my protected consumer rights and privacy laws. 

In addition, I continued to make a lawful request for disclosure of the thirteen ( XXXX ) items requested and the accuracy of the debt. XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX. is grossly operating in default and has breached federal and state consumer protection laws and privacy rights. 

On XX/XX/XXXX I received a notice from XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX expressing the " account has been closed with ARS and returned to our client. If you wish to discuss this information, please contact CITIBANK N.A. '' XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX had no choice but to follow consumer protection laws and privacy right. My enforcement affidavits were key to shutting down XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX 's unlawful practices that seem commonplace within the XXXX umbrella and its leadership. 

Again, XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX. sending a remittance coupon for an unlawfully charged-off account, suggest an intent to endorse, trade, or sell the coupon as a security or negotiable instrument. This is highly unethical and raises serious legal concerns. 

Even with XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX finally realizing her unlawful practices and closing the unlawfully charged off account by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at Citi ) of CITIBANK N.A. , there still has to be accountability for all the unlawful violations conducted by XXXX XXXX XXXX 

XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX actions constitutes an audit by the Internal Revenue Service under forms XXXX and XXXX. XXXX XXXX will also be named for all future state and federal adjudication as a defendant under the penalty of perjury for participating in XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A . unlawful actions that go against consumer protection laws and privacy rights. 

Despite these efforts, XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX has failed to provide the requested XXXX items for disclosure or evidence of the debt 's accuracy and is still operating in default unlawfully. Regardless of the account being closed with XXXX XXXX XXXX XXXX and returned to XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. 

Now we will address the second instance of XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. unlawfully forwarding my personal information to another third-party debt collector without proving the debt and providing me with my lawful request for disclosure. 

On XX/XX/XXXX, I unlawfully received unauthorized correspondence from Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX  He claimed he was not a third party and had all of the authority to contact me to collect this unproven debt. Yet when I requested Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX. to provide evidence of his authority he grossly failed and continues to do so. 

Attorney XXXX XXXX XXXX of XXXX XXXX XXXX 's actions fall under deceptive practices and a gross breach of consumer protection laws and privacy rights. It also goes against Attorney XXXX XXXX XXXX 's code of conduct set by the Florida Bar. 

Furthermore, Attorney XXXX XXXX XXXX of XXXX XXXX XXXX. included a remittance coupon among his baseless printouts in hopes I had no idea how remittance coupons worked once indorsed. This action alone constitutes an audit by the Internal Revenue Service under forms XXXX and XXXX. It also warrants a formal complaint with the Florida XXXX. Why is Attorney XXXX XXXX XXXX attempting to collect a charged-off debt twice while failing to prove the accuracy? 

Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX has shown bad faith and a total disregard for consumer protection laws and privacy rights. He will be held accountable in federal and state court under the penalty of perjury where he and his colleague, XXXX XXXX XXXX, will be named defendants. 

Attorney XXXX XXXX XXXX of XXXX XXXX XXXX 's disregard for these laws was further evidenced by his continued contact after grossly failing the same disclosure demanded from XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. and XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX 

I had to remind Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX. that he is simply a third-party debt collector with absolutely no authority to contact me let alone unlawfully collect a charged-off debt twice. 

My following action was to enforce the imposed cease and desist and insist Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX no longer contact me without providing a notarized disclosure along with the evidence that proves the accuracy of the debt. 

Is sending a remittance coupon a common practice for unlawful debt collectors? 

As of today, XX/XX/XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A., CITIBANK N.A., XXXX XXXX XXXX Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX of XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have knowingly broken consumer protection laws and privacy rights while continuing to operate in default. 

All parties refuse to follow consumer protection laws and privacy rights and unlawfully will not disclose the items requested and evidence of the accuracy of debt notarized under the penalty of perjury. 

All parties have imposed fines of {$200000.00} for their initial and continued violations while being fined daily for {$20000.00}, in perpetuity, until my lawful demand for disclosure is met and evidence of the accuracy of the debt is provided. All evidence must arrive notarized under the penalty of perjury via the United States Postal Service which is the only lawful way to contact me. 

I am fully prepared and intend to hold XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A., CITIBANK XXXX, XXXX XXXXXXXX  ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX of XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accountable in federal, and state court. In addition to filing formal public complaints with all federal and state regulatory agencies. 

I've attempted to settle this matter amicably for over half a year. 

I have provided an affidavit of truth, that was notarized under the penalty of perjury, to Attorney XXXX XXXX XXXX of XXXX XXXX XXXX, including all relevant enforcement laws. 

Attorney XXXX XXXX XXXX Attorney XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
XXXX, FL # Re : Default Notice for Failing Debt Validation and Demanded Full Disclosure, Enforcement of E-SIGN Act Rights, Legal Violations, Cease and Desist Command, and Increased Imposed Fines in Perpetuity Attorney XXXX XXXX XXXX, Once again, I am writing to formally request validation of the debt you claim I owe to CITIBANK, N.A., as required under the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692g. Specifically, I am demanding the following information notarized under the penalty of perjury : The original application ( both sides ) with wet signature, while not being redeemed with any bank.

The complete agreement and terms, including all amendments and modifications. 
Evidence of the monetary amount, including a detailed breakdown of the principal, interest, fees, and other charges. 
Full payment history. 
Documentation showing the chain of ownership and assignment of the debt. 
Evidence that the original applicationwas n't soldas a security to any entity, including theSEC. 
The name and address of the actual original creditor and not the entity pretending to be. 
Evidence that the statute of limitations on the debt in question has not expired. 
The daily transaction report log for the application on the day of signing. 
A wet contract showcasing a binding legal agreement between ( my name ), Attorney XXXX XXXX XXXX, or CITIBANKN.A. 
A copy of any judgment, if applicable. 
Provide evidence that AttorneyXXXX XXXX XXXX is authorized to collect this debt, as well asall relevant documentation. 
CITIBANK N.A. 's public and private ledgers for the account.

Under 15U.S.C. 1692g ( b ), you must cease collection efforts until this debt is validated.

Additionally, you have failed to demonstrate that you have the authority to contact me or collect this charged-off debt. As such, I demand that you provide sufficient evidence of your authority to collect this debt on behalf of CITIBANK , N.A . Without such proof, your communications and collection efforts violate the FDCPA.Attorney XXXX XXXX XXXX, you aresimplya third party withabsolutelyno authority to contact me.You should actas such. 
Failure to Provide Full Disclosure and Debt Accuracy I must also address your continued failure to provide full disclosure and accuracy of the debt. The FDCPA, 15U.S.C. 1692e, prohibits using any false, deceptive, or misleading representations or means in connection with collecting any debt.

Furthermore, the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681 et seq., mandates that all information reported to credit reporting agencies must be accurate and complete. Attorney XXXX XXXX XXXX and XXXXITIBANKN.A.have consistently failed to providecompleteand accurate disclosure of this debt, thereby violating boththe FDCPA and the FCRA. 

Attorney XXXX XXXX XXXX and CITIBANKN.A.have failed to ensure that all communications with me arrived notarized under the penalty of perjury, per my explicit instructions.This failureis in direct violation ofmy legal rights and the established protocols for debt collection communications.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692e, it is prohibited to use any false, deceptive, or misleading representationin connection with the collection ofany debt.Furthermore, the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes 559.72, prohibits debt collectors from engaging in abusive or deceptive practices.

The requirement for notarization under penalty of perjury ensures the authenticity and accuracy of the information provided, aligning with the Truth in Lending Act ( TILA ), 15U.S.C. 1601 et seq., which mandates clear and accurate disclosure of terms. 

Attorney XXXX XXXX XXXX and CITIBANKN.A. 'sdisregard for these instructions and legal requirements constitutes a serious breach of professional and ethical standards.

Unlawful Obtaining of Personal Information I am also deeply concerned that youhaveunlawfully obtained my personal information without myexpressedpermission.Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must explain their information-sharing practices and safeguard sensitive data. Attorney XXXX XXXX XXXX 's unauthorized acquisition of my personal information from CITIBANK N.A.is aseriousviolation ofmy privacy rights. Again, AttorneyXXXX XXXX XXXXXXXX and XXXXXXXX XXXX are third parties. 

Attorney XXXX XXXX XXXX, you have failed toprovide a comprehensive explanation ofhowyouunlawfully obtained mypersonal informationand what measures you have in place to ensure compliance with the GLBA and other relevant privacy laws.I did not authorize you to contact me. In addition, youwere not approvedto obtain my personal information. Your disregard for privacy laws is concerning.

Request for Electronic Records Under the E-SIGN Act Under the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), 15U.S.C. 7001 et seq., I'm entitled to access electronic records associated with this account. The E-SIGN Act requires that consumersbe informedof their right to receive electronic records and their right to withdraw consent to receive electronic communications at any time ( 15U.S.C. 7001 ( c ) ( 1 ) ( B ) ) .Accordingly, I request access toallelectronic records and documentsrelated to this account, as itwas establishedelectronically.As a reminder, it must arrive notarized under the penalty of perjury.

Additional Legal Grounds Additionally, the following laws and regulations support my request for full disclosure and validation of the debt : Truth in Lending Act ( TILA ) : Under 15U.S.C. 1601 et seq., and Regulation Z, 12C.F.R. 1026, creditors are required to provide clear and accurate information about the terms and conditions of credit accounts, including the amount financed and the finance charges.

Uniform Commercial Code ( UCC ) : UnderUCC 3-501, a debtor has the right to demand presentation of the original instrument ( such as a promissory note ) to verify its authenticity and terms.

Code of Federal Regulations ( CFR ) : Under 12C.F.R. 226.17, creditors must make disclosures clearly and conspicuously in writing, ensuring that consumers understand the terms of the debt. 

Attorney XXXX XXXX XXXX and CITIBANKN.A.are in clear violation ofthese consumer protection laws, codes, and statutes. It's becoming apparentthe disclosure I'm requesting might expose unlawful practices conducted by Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, and CITIBANK N.A. 
Formal Complaint to the Florida Bar I am also notifying XXXX XXXX XXXX of XXXX XXXXXXXX XXXX. that I intend to file a formal public complaint with the Florida Bar regarding the unlawful conduct imposed on me. Attorney XXXX XXXX XXXX and CITIBANK N.A. 's failure to provide full disclosure, validate the debt, and furnish necessary documentation notarized raises concerns under the Florida Bar Rules of Professional Conduct, including but not limited to : Rule 1.1 - Competence : Failing to provide full disclosure and accurate information demonstrates a lack of competence.

Rule 1.3 - Diligence : The failure to respond within the granted time frame indicates a lack of diligence.

Rule 3.2 - Expediting Litigation : Your non-compliance hinders the expeditious resolution of this matter.

Rule 8.4 - Misconduct : Engaging in conduct that is prejudicial to the administration of justice, including failure to adhere to legal obligations and provide truthful, complete information. 

Attorney XXXX XXXX XXXX 's actions and omissions in handling this debt collection matter violate these rules. I expect AttorneyXXXX XXXX XXXX will take immediate action to rectify this situation and comply with all applicable laws and ethical standards. 
Waste of Resources on Irrelevant Printouts Attorney XXXX XXXX XXXX has also wasted an entireream ofprint paper on outdated and irrelevant printouts that fail to provide any substantive proof or validation of the debt in question.This actionnot onlydemonstrates a lack of respect for my request for full disclosure and accurate documentationbut alsoindicates a disregard for efficient and effective communication.Such behavior is unprofessional and does not align with the requirements set forth by the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692g, which mandates the provision of clear and accurate information regarding the debt.

Moreover, the unnecessary use of resources reflects poorly on the ethical standards expected from legal practitioners and violates the principles of responsible and transparent debt collection practices. 
Imposition of Fines andCease and Desist Due to your continued failure to follow my direct instructions and provide the required full disclosure, I am imposing a fine of {$200000.00} for failing to comply with my requests.All correspondence from Attorney XXXX XXXX XXXX was requestedto arrive notarized under the penalty of perjury. His failure to do so and his ongoing disregard for the law and my directives have left me no choice but to enforce these penalties. 

Effective immediately, I am issuing a cease and desist order.Youare expectedto halt all communicationsunless you furnish the full disclosure I am demanding notarized under the penalty of perjury.Any further correspondence with me that does not meet these conditions will be considered another gross violation of my consumer-protected rights and will incur an additional fine of {$200000.00}. 

Additionally, please be aware that Attorney XXXX XXXX XXXX, CITIBANKN.A., and XXXX XXXX XXXX. are accruing fines of {$10000.00} per dayuntil my demanded disclosureis metin full. Given Attorney XXXX XXXX XXXX and CITIBANKN.A. 'songoing disregard for the law and my direct instructions, these daily finesincreasedto {$20000.00} per day.

Privacy Act Compliance Under the Privacy Act of 1974, I demand that AttorneyXXXX XXXX XXXX comply with all regulations regardingthehandlingofmy personal information.This federal law governsthecollection, maintenance, use, and dissemination of personal informationby federal agenciesand establishes important privacy principles that must be adhered to. 

Florida Consumer Collection Practices Act ( FCCPA ) Under the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes 559.72, AttorneyXXXX XXXX XXXX is prohibited from engaging in abusive and deceptive practices. Please ensure that your collection practices fully comply with this statute. Failure to do so will result in additional legal action against AttorneyXXXX XXXX XXXX and XXXX XXXX XXXX 
Formal Complaint to the Florida Attorney General In addition to my complaint with the Florida Bar, I intend to file a formal complaint with the Florida Attorney General under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Florida Statutes Chapter 501, Part II. Attorney XXXX XXXX XXXX 's actions constitute unfair and deceptive practices, and I seek an investigation into Attorney XXXX XXXX XXXX, CITIBANKN.A., and XXXX XXXX. 's unlawfulconduct. 
Public Records Request Under Florida Statutes Chapter 119, I request access to any public records related to this debt collection matter.Thisincludes any documents, communications, or records held by public agencies that pertain to the account and Attorney XXXX XXXX XXXX 's unlawful collection efforts. 
Consumer Financial Protection Act ( CFPA ) Under the Consumer Financial Protection Act ( CFPA ), part of the XXXX XXXX XXXX Reform and Consumer Protection Act, I am entitled to protection from unfair, deceptive, or abusive acts or practices ( UDAAP ). 

Gramm-Leach-Bliley Act ( GLBA ) Compliance Finally, under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must explain their information-sharing practices and safeguard sensitive data. I expect AttorneyXXXX XXXX XXXX and CITIBANK N.A. to comply with all GLBA requirements for handling my personal information. Again, AttorneyXXXX XXXX XXXXwas never authorized to obtain my personal information without my expressed permission. CITIBANK N.A. is in clear violation of forwarding my sensitiveinformation to a third party.

Opportunity to Settle Out of Court Despite the numerous violations and issues raised, I am willing to offer one opportunity to settle this matter out of court.I am open to discussing aresolution that is fair and just, provided that it includes full disclosure of the debt and compensation for the damages incurred due to Attorney XXXX XXXX XXXX, CITIBANKN.A., and XXXX XXXX. 'sunlawful actions and practices. 

Should you choose not to engage in a settlement discussion, be aware that this matter will escalate to federal and state court, where Attorney XXXX XXXX XXXX and Attorney XXXX XXXX of XXXX XXXX P.A.ca n't evade being under the penalty of perjury. 

If you choose tohave a discussion to settlethis matter out ofcourtsend me an affidavit of truth notarized under the penalty of perjury requesting to meet with me.Anything outsideofthat will be deemed another gross violation of my consumer rights and additional fines imposed. 

I do not expect to hear from Attorney XXXX XXXX XXXX again unless proceeding into federal and state adjudication. Attorney XXXX XXXX XXXX, CITIBANK N.A., and XXXX XXXX, XXXX. are currently operating in default, with fines increasingly imposed at {$200000.00} and daily penalties of {$20000.00} continuing indefinitely until they meet my lawful demands. 

Adjudication is inevitable, Attorney XXXX XXXX XXXX, unless you and CITIBANKN.A.settle this matter out of court.If we land in court, Attorney XXXX XXXX XXXX and XXXX XXXX XXXX willbe namedasDefendants, and both parties will have to answer questions under the penalty of perjury in state and federal court.

You can still expect that public complaints will be filed with, but not limited to, the following agencies : The Internal Revenue Service The Federal Trade Commission The Consumer Financial Protection Bureau The Florida Attorney General The Florida Bar If you fail to comply with the demands outlined herein, I reserve the right to pursue all available legal remedies, including but not limited to filing a lawsuit for statutory and punitive damages, attorney 's fees, and any other relief deemed appropriate by the court. This letter does not waive any rights or remedies I may have under federal or state law. 

Your office will receive this notarized affidavit under the penalty of perjury shortly.

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 non-monetary relief