Consumer complaint received 2021-09-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I hereby request your intervention since despite multiple calls and claims I can not find a solution from the Citibank Bank that issued the Home Depot credit card, who want me to pay a debt that amounts to more than XXXX us quota of credit that in its entirety has not been spent by me. 
1. I applied for the Home Depot credit card at the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for a purchase worth {>= $1,000,000}, that day I got a discount of XXXX us for applying to said card. 
2. All my purchases are made at the XXXX XXXX XXXX XXXX identified with the code XXXX because it is the only store in the city where I live and I have made a few at the XXXX XXXX store. 
3. I have made several telephone claims since XX/XX/XXXX to the Home Depot Credit Card customer service line in which I have requested that the statements be sent one by one from the date the card was issued to make a review of each and every one of the purchases and it has not been possible for them to send me this information. 
4. Also in these calls I clearly stated that I am unaware of any purchase that has not been made in these two stores, however I have not obtained any favorable response, on the contrary in XXXX I received a communication in which they sent me a letter in the one that informs me that I must assume the balance because I never reported which were the fraudulent transactions, it is important that all calls are recorded and can corroborate this information. 
I wonder how I am going to identify the transactions if it has not been possible for them to send me the statements? 
5. Additionally, through the homedepot.com-mycard page, I also submitted two claims explaining what happened and requesting the sending of the statements to carry out a detailed review of my account, claims were answered saying that the statements would be sent, but I never received them. And not to worry that they had zero tolerance for fraud, however then they send me a communication as I mentioned above that I must pay the balance. 
6. On the other hand, I went to a XXXX XXXX store to have copies of the receipts printed for the purchases that appear with my card and I find that with this card number there are transactions from years prior to the date on which I I requested the card, in stores that I never frequent and among those I was also able to identify that days before the card was issued, a purchase of electrical appliances for a value greater than US XXXX on XX/XX/XXXX, that was not made by me and the order was delivered to an address with which I also have no relationship. 
7. I have been making my payments normally and on time, but this situation is unsustainable if we take into account that to date my debt amounts to the sum of {$9300.00} and that there is an overflow of {$1800.00} us. 
Therefore, I request your collaboration in order to obtain a response from the Bank and a solution to this problem that affects my income and my credit report.

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 explanation