Consumer complaint received 2019-08-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi, I have tow different credit cards with Home Depot and the issue starts from XXXX XXXX.19 at the time I started small project in my house that require some money and motivation. I did some shopping at Home Depot on XX/XX/2019 and I find out that I could purchase more materials and I dont need to pay in full because at Home Depot they have promotions which applied to my statement balance at the end of the month. In mean time I received a promotion for XXXX XXXX XXXX   for a 18 Months at 0 % APR and no minimum balance requirements. Because XXXX Locations was a bit farther from my house, I decided to call Home Depot Coustomer Care XXXX ( XXXX ) XXXX and I explain that I need to buy some materials but I have this offer from XXXX, is there anyway I could have this deal with Home Depot Credit Card. I was promised that I dont have to worry because all the transactions were going to place in promotion plan so I dont have to worry about INTEREST Charges. Also I was promised to use their card and at the end of the project give them a call and if there is any charge that needs to be added to promotion the representative whos going to take my call will help me and all this to place on XX/XX/19. Also she helped me set up auto payment to avoid late fees. I did continue buying materials at Home Depot throw out all this month doing the usual things. Even though continue to receive the statement I didnt bother to look over the charges and worried about interest charges. On XX/XX/XXXX Statement after I finish my project I take a look at the charges and I saw there was interns charges in both credit cards. On XX/XX/XXXX I called Home Depot Credit Cards Coustomer Services again and spend hours on phone trying to solve the problem. However I did reach a conclusion and again I was told All the translation where Added to promotion of six months and I was gon na be refunded for the interest that was billed on my accounts for both my credit cards. Where in card ending XXXX was two interest charges one for {$1600.00} and one for & XXXX also for credit card ending on XXXX there were two months interest charges each month was {$26.00} total of {$52.00} also this interest charges were promised to be credit back in to my account. Moving on today on XXXX XXXX,19 I received another statement from card ending on XXXX with another interest charge for {$1700.00} and I called Coustomer Care again. After spending hours on phone back and forth with representative I tried to fix the issue even I offered to pay the entire balance once only if they could reverse the interest charges but I still didnt receive any solutions. I requested to speak to a manager or supervisor and after waiting for another 10 minutes I got a hold of a Supervisor XXXX ID # XXXX menagment tema at Home Depot. And I explain allover again the situation and I still proposed to pay the full balance at both credit cards only if she could adjust the interest charges, however all this headache was no need because I should have taken the offer from XXXX to begin with. But the Supervisor XXXX # XXXX menagment tema at Home Depot. Refuse to help and she started playing a bossy way where she didnt even want to provide me with information that I was supposed to be served with. XXXX # XXXX menagment tema at Home Depot did mentions that my Request on XX/XX/19. was declined because of their credit card policy, in my end I didnt receive any information or documentation saying that I was declined. So I repeat my self to her and I mention that after all this months I was promised that I didnt have to worry about interest charges and somehow no one lets me know that I was declined to that promotion and today you let me know. Shes insisted not to take my payment as of today and she also said that she couldnt provide me with those declined letters. I feel very betrayed by Home Depot Credit Cards Costumer Services, for miss leading information that where not correct. I shouldnt have to pay hundreds of dollars interest because they have this irresponsible supervisor XXXX # XXXX menagment tema at Home Depot. I spent hours on phone starting from XX/XX/XXXX until XX/XX/XXXX, I should be treated with respect and honor for giving Home Depot business and if they can not keep their promises than they should definitely have served me with a copy of declined letter from being of XX/XX/XXXX. I spent hours to solve this problem and I have to pay interest charges just so I avoid any further charges today. I want to get reimbursed for all my interest charges and same pay as that supposed supervisor XXXX # XXXX menagment tema at Home Depot gets paid for all my hours. Shame on Business like that.

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