Debt collection -- Attempts to collect debt not owed -- Complaint #18152746
Complaint Overview
Complaint ID: 18152746
Company: Citibank, N.A.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Pennsylvania
ZIP Code: 19138
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB WHAT HAPPENED ( XXXX XXXX XXXX ) On or around XX/XX/year>, I received a written collection letter from XXXX XXXX XXXX attempting to collect an alleged balance of {$2200.00} on an account they claim originated from Citibank/My Best Buy. The letter offered settlement options and stated that I should respond by XX/XX/year>. I have never received any prior validation of this debt, nor has XXXX provided proof that the account belongs to me or that they have the legal right to collect it. I have previously disputed unverified accounts with the credit bureaus and requested proper verification under the Fair Credit Reporting Act, and this alleged account was never validated or confirmed during those disputes. The debt collector contacted me without providing evidence that the debt is accurate, owed, or associated with me. Because of this, the attempt to collect this debt appears improper and may fall under attempts to collect a debt not owed. I have not received any documents showing the original contract, itemized statements, charge-off details, proof of ownership, or assignment of rights from the original creditor. XXXX has only sent a generic collection notice offering settlement amounts, but no legally required validation. As a result, I can not confirm the legitimacy of the debt or the amount claimed. I am requesting CFPB assistance because XXXX XXXX XXXX has attempted to collect a debt that has not been validated and may not be owed. I would like all collection activity to stop until proper verification is provided in compliance with the Fair Debt Collection Practices Act.
Frequently Asked Questions
What is Complaint #18152746 about?
Complaint #18152746 was filed against Citibank, N.A. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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 (Debt collection) 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.