Consumer complaint received 2020-08-04
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was ar home depot. As I checked out and was ready to use my bank card the teller asked me if I had a home depot card. I replied no. She told me if I signed up for a card I would get a 15 percent discount on my purchase. I hesitated and asked how long it would take? She said one minute. All i needed to do is write my name address and phone number. I wrote the info down along with my XXXX XXXX address. She said your all set. You will be getting your card in 10 to 15 days. I then went to swipe my card and she said not to pay until i receive my bill. I thought about it as it was only XXXX dollars or so. But i was glad i got the 15 percent discount. So i walked out the door. This was in late XXXX. I saw no bill in ten to fifteen days. Forgot about it. Finally got a bill in late XXXX or early XXXX. It. Had no Home Depot card and came with a XXXX dollar late fee. After several phone calls, prompts and getting nowhere I talked to a real person, whom I told that this was the first bill I had gotten. They were rude and acted like I was lying. I was so fed up I hung up the phone. Didn't no what to do or who to call. I thought I was being scammed. Making several more calls I realized I was dealing with Citi bank. At this time after many phone calls, being on hold for hours, I talked to a woman who gave me the home depot number. Talked to a supervisor who looked up my account info and said that they sent it to an address in New York that I hadn't lived at in ten years. Not once but the bill was sent there twice. I had a home depot card, but threw it out ten year ago. He understood the problem and I said would pay the bill for my purchase. No. Late fees. He said fine and sent me that bill which I received a few days later and payed.XXXX. Dollars. I was so stressed out that l swore never to shop at home depot again. One month later I got another letter from home depot. Thought it was my card that I planned to cut up. Inside no card with another bill saying thanks for my XXXX payment but now i owed XXXX with fees and interest. I nearly lost it. On the phone again with some girl, told her the whole story, she finally said she would get a supervisor on the line. This was Citi bank by the way. Finally after being on hold for ten minutes he was on the phone. He sounded like he was XXXX years old. I told him the whole story and about talking to home depot man. He told me like he was doing me a favor, that he would nock off one late fee. Before l lost it l hung up the phone..l know owe XXXX dollars interest and late fees and paid for my purchase when sent the bill. I'm all stressed out, my credit will suffer, I talked to a lawyer, he said we would win but lawyer fees would be more than I owe. He told me to call the attorney general. I did and she gave me this web site. These loanshark credit card companies are doing well during the pandemic. Thank you for anything you can do. Will supply documents if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief