Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Final Version Fraudulent Payment & Request for Federal and State Investigation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Subject : Fraudulent Payment Entry Formal Dispute, Cease & Desist, and Request for Federal Investigation To Whom It May Concern, I am writing to formally dispute the alleged {$180.00} payment XXXX XXXX XXXX claims occurred on XX/XX/XXXX, related to the Home Depot / Citibank account ( Acct. No. XXXX ), which you are currently attempting to collect. Things a false payment!!!! 



I never made, authorized, or initiated any such payment. My financial institution, has confirmed in writing that no such payment occurred and further there would have been XXXX funds to clear this payment!! 


Furthermore, the date of this alleged payment XX/XX/XXXX is the exact date the United States declared a national emergency due to XXXX, and the country began to shut down. 
It is both illogical and implausible that any legitimate payment would have been made, posted, or processed on that date, particularly for an account that had been inactive and delinquent since XXXX. 


This manufactured payment was entered fraudulently to create the illusion of recent activity, thereby illegally reaging the debt. My bank has determined XXXX record along with personally knowing to never have funds to pay this debt Key Facts : My last legitimate payment on this account occurred in XXXX. 

This debt is therefore time-barred and obsolete under both federal and state law. 
The use of a fabricated XX/XX/XXXX payment, on the very day the country was shutting down, is a clear act of fraud designed to re-age and misrepresent this account Request for Government Oversight : Given the gravity of this discovery, I am formally requesting that federal and state authorities conduct a comprehensive investigation into the practices of XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX to determine whether they have engaged in a pattern of fraudulent re-aging and data manipulation across multiple consumer accounts. 
I strongly urge the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX State Attorney Generals Office to examine all XXXX XXXX XXXXXXXX accounts for similar false entries, especially those dated during the XXXX national emergency period. 
If other consumers have been affected, this conduct may warrant a class action lawsuit to ensure accountability and restitution. 


My Demands : Full documentation of the alleged XX/XX/XXXX payment, including the source account, transaction record, authorization, and proof of funds.

Immediate cessation of all collection activity, including post-judgment enforcement. 
Permanent deletion of this account from all consumer credit reporting agencies.

Vacating of the judgment obtained based on false and misleading information.

Written confirmation of these actions within 10 business days of receipt of this letter.

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