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Collected or attempted to collect exempt funds. This report is in regards to a Citibank credit card and debt sale and collection actions by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX on XXXX income only. I was adjudicated as XXXX % XXXX effective XXXX XXXX, but the decision took until XXXX XXXX for adjudication by XXXX, In XXXX XXXX I notified Citibank of my XXXX and impending XXXX due to the decision delay by XXXX. I had previously accepted the offer from Citibank for the add on service to payoff the balance if I became XXXX or XXXX. On XXXX XXXX, XXXX I received an update from XXXX XXXX, Reference : XXXX, requiring phone contact to which I was XXXX unable to respond. I was homeless until XXXX XXXX when the XXXX and XXXX XXXX secured housing and food and