Citibank Debt Collection Complaint

Citibank Debt collection department,

Credit card Disclosure verification of debt Not given enough info to verify debt Colorado

On - - -, - - ( - - - ) was mailed a letter requesting validation of a deb they had sent me notice of. Validation was requested in a timely manner based on lawful requirements, made within 30-days of receipt of their notice dated - - and received - - -. My communications with Debt Collectors is generally duplicated, involving BOTH fax and USPS Priorirty Mail ( which includes free tracking ). - - failed to provide any validation.


Pursuant to the FDCPA, All Collection Activity Was Immediately Stayed Once I Provided A Timely Request For Validation Until Such Time As Validation Is Provided. HOWEVER, - - proceeded to demand payment in full without providing any validation as requested and required. By proceeding with collection activity and demanding payment, - - did violate the FDCPA and - - did violate the - - Consent Order which - - voluntarily entered into with CFPB. On - -, - - did author correspondence to me, providing me copies of THREE billing statements claiming that such did validate their claim ALTHOUGH SAID STATEMENTS FAILED TO IDENTIFY ADEQUATE INFORMATION TO VRIFY TH LEGITAMACY OF THE ACCOUNT OR CHANRGES MADE TO THE ACCOUNT. On - -, IN A SEPARATE WRITTEN COMMUNICATION, - - also provided documents requesting additional information concerning possible identity theft or mis-use of the alleged account. BOTH letters DATED - - were received - -. ONE DAY LATER, on - -, - - did author correspondence informing me that I had failed to respond with the additional information they had " previously requested '' and advising me that they were unable to investigate any claims of identity theft without said information. Said notices also received - - -. It is clearly UNREASONABLE to expect a person to respond with information and documents that were requested via US Mail ONE OR FEWER DAYS PRIOR, as clearly documents mailed on or after - - would not have been received by the alleged debtor as of - -. In that - - has elected to respond and act as if I am 100 % To Blame for all of the failures of - - .... I have elected to file formal complaints with the CFPB and with the State Attorney General 's Office. FURTHER, I am preserving all of my rights to file suit, directly or as a counter action, against - - and any other party who may contact me or attempt to collect this debt based on - failure to provide debt validation as required prior to proceeding with collection activity and demand for payment. This matter has been turned over to my legal counsel. Any and all information and communications provided to - - will be done so by my legal counsel and will take place when and if counsel believes it to be in my best interest.