Debt collection -- Attempts to collect debt not owed -- Complaint #9629780
Complaint Overview
Complaint ID: 9629780
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: Massachusetts
ZIP Code: 02301
Date Received: 2024-07-26T12:00:00-05:00
Date Sent to Company: 2024-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear XXXX XXXX XXXX; Citibank ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 2. Legal basis for the collection of this debt. 3. Proof of your authorization to operate in [ State Name ]. 4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 5. Complete account history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights. * 1692f : Use of unfair or unconscionable means to collect a debt.
Frequently Asked Questions
What is Complaint #9629780 about?
Complaint #9629780 was filed against Citibank, N.A. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-07-26T12:00:00-05:00.
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.