Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #11898840
Complaint Overview
Complaint ID: 11898840
Company: Citibank, N.A.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Arizona
ZIP Code: 85008
Date Received: 2025-02-02T12:00:00-05:00
Date Sent to Company: 2025-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
SECOND NOTICE FORMAL DISPUTE LETTER ( For CitibankXXXX XXXX XXXX XXXX XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Consumer Support Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Dispute of Debt Cease and Desist All Collection Activity Dear XXXX XXXX XXXX, I am writing to formally dispute the validity of the alleged debt referenced in your Pre-Legal Notice dated [ Insert Date ] regarding account number XXXX. I do not acknowledge this debt as mine, and I am requesting full verification under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Disputed Account Details : Original Creditor : Citibank , N.A . Merchant Name : Diamond Preferred Charge-Off Date : XX/XX/year> Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX MCM Account Number : XXXX Alleged Balance : {$7400.00} I am demanding full validation of this debt, including : A complete account history, including statements and signed agreements proving my liability. The original contract or agreement with Citibank , N.A . that establishes my legal obligation. Proof that your company legally owns or has been assigned this debt. A breakdown of the alleged balance, including principal, interest, and any fees applied. Until the requested information is provided, I am asserting my rights under 15 U.S.C. 1692c and requesting that you cease all collection efforts, including phone calls, emails, and letters. Any further attempt to collect this debt without proper validation may be considered a violation of the FDCPA. Additionally, if this debt is inaccurately reported to credit agencies, I am requesting its immediate removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. If this debt is the result of identity theft, an incorrect charge, or an erroneous assignment, I expect immediate resolution. If litigation is pursued without proper verification, I will consider legal action against your company. Please confirm receipt of this dispute and provide the requested documentation within 30 days as required by law. Failure to validate this debt will be considered confirmation that it is invalid and must be removed from any collection or credit reporting activities. Attachments ( if applicable ) : Copy of Debt Collection Notice Copy of Any Previous Correspondence Copy of Identity Theft Report ( if applicable )
Frequently Asked Questions
What is Complaint #11898840 about?
Complaint #11898840 was filed against Citibank, N.A. regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2025-02-02T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.