Consumer complaint received 2023-05-05
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Home Depot Project Loan XXXX XXXX XXXX XXXX, GA XXXX Payments to : Dept # XXXX The Home Depot XXXX XXXX XXXX XXXX, AL XXXX RE : The payments to this account have been sent via e-check from day one. I verified this with my bank about 2 weeks ago. The receiving company gets the payments within 2 or 3 days of when the money comes out of my account. 

I have photos of the statements involved. In general, the entire last year. The transaction date on the statements will support my claims. 

Payment due : XXXX of the month Initial Bill Pay send date : XXXX of the month Bill Pay send date over the past year : XXXX of the month Summary : My payments on this account are arriving on time. This is even reflected in the statements. However, the company has been delaying posting for as much as 3 weeks. I pointed this issue out to the CS representative a year ago. This has been happening every other month at this point. 
The only other delay in paying this account was when a 3-month extension was offered due to the COVID outbreak, and that was authorized. 
In fact, I happened to notice this happening last year and I put my payment date back 2 more days. In addition, Greensky and Home Depot are each calling me daily ( I have not answered ) about this account. I have a life and no staff to go back and audit the account, write letters, make or take phone calls where I just end up explaining to morons that the issue is not on my end. The problem is on their end, and I am very busy with my life. The proof is on the account statements. Luckily, I have paper statements on this, but they have it all on computers and it should be easier for them to have noticed and fixed this issue. The problem is that the customer is always blamed. To make things more difficult for me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Im trying to update this older home while taking care of it. These calls make it more difficult for me to function.
When I did speak to their rep, I was only credited for 1 late fee because that was all that she had the power to do. Waste of my time. Fix it all! 
I pay monthly, automatically, through the bank web bill pay option. On the first payment, I keyed in the number of payments to get to the final one. This means that for nearly 3 years now, the payments have been untouched by me and sent in exactly the same manner other than when I adjusted the payment date last year. I generally dont even open the statements for a couple of months, until I go to file them away. 

Additional information : I purchased an air conditioning system ( including ductwork ) from Home Depot 's vendor at 0 % interest a little over 3 years ago. Additionally, the system has proven to be far below the quality that was described to me by their salesman ( lower-level ductwork and a system that the repairman stated has a part that is known to fail annually, and the concrete pad was cracked on day 1, I did send them that information in my first complaint ). In fact, we had to have a repairman come out to have a known defect ( his admission ) replaced when the system was only 1-1/2-years old. On top of this, they have never closed the permit on the installation. 
I paid extra for this A/C system in the first place for a few of reasons ; American made product, Home Depot vendor , product support ( although it seems more like they take advantage of you ). My son was XXXX when he saw the ductwork they were using, and I dont think the system operates as described either. 
We recently had a different service company ( XXXX ) come out instead of XXXX having had a bad experience with our first XXXX  service call. XXXX offered a lower service fee and didnt even charge us for the visit as opposed to XXXX who charged us for what seems should have been a warranty visit ( we have learned the failing part should have been covered ). XXXX stated that it would be cheaper to have them come out for an annual maintenance call. Our issue would be incorporated in that work, but they also gave us free advice on how to correct the issue we had ( a clogged line ) that had stopped the system from working that day.

Company response to consumer: Closed with explanation