Consumer complaint received 2017-07-06
Company: CITIBANK, N.A.
State: PR
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:
Sequence of facts. - On XX/XX/XXXX, I was approached by a XXXX XXXX representative, asking me for an interview concerning my opinion of the quality of drinking water in Puerto Rico. Gently I I answered all questions of the interview. My name and telephone number were given. It took place at XXXX XXXX Store of XXXX XXXX XXXX, XXXX, Puerto Rico ( PR ). - - I was contacted by a XXXX XXXX vendor via telephone call offering me a {$25.00} certificate if I accept a demonstration of a quality test of water in my home. I accepted the invitation. - - At the beginning of XX/XX/XXXX, such presentation was sponsored in my home, but no certificated was issued. On the presentation it was offered by the vendor the installation of two water filter systems. The vendor offered me a period of one month after installation in order to accept or refuse the purchase. It was specified by vendor that just in case I decided not to acquire it, they will pick up the merchandise. This XXXX XXXX representative stated that regardless if I purchase the system or not his salary is per presentation, while sale commissions are additional. The vendor asked me for my social security number with the purpose to verify my credit empiric record only. I confidentially proceed to give him my SS number. More information are included on a attachment 1, 2 and 3. - - The first water system was installed in XX/XX/XXXX, while the second system was finished on XX/XX/XXXX. - - As a surprise I received The Home Depot Credit Card on XX/XX/XXXX, including an statement. The biggest surprise was the charge of {$4900.00} for the purchase of the Water system described above. See more information on attachment 1, 2 and 3. I have no complain for the credit card issued, it is for the unauthorized purchase. The 30 day period given to decide the purchase or not was a false statement by the vendor. Such sale was pushed by XXXX XXXX without my authorization. This charge was dated XX/XX/XXXX, 3 weeks before I even know I have issued this credit card. - - Three day after using the water systems I was in discomfort with them. I decided not to acquire it or purchase - - On XX/XX/XXXX I visited the Customer service department of XXXX XXXX Store in XXXX to cancel the offer of the water system and schedule it to be pickup from my home. An electronic or digital receipt was given to me, based on my request to verify such purchase charged to me. See more information on attachments 1, 2 and 3. - - I also contacted XXXX XXXX manager XXXX XXXX XXXX telling him my decision of not purchases the water filter systems. XXXX XXXX XXXX signed my documents requesting the cancelation and an explanation of the facts. An original copy was submitted to him dated on XX/XX/XXXX. See  attachment 1. - - I contacted the Home Depot Credit Services via telephone in order to open a dispute to cancel the charges on the credit cards. On XX/XX/XXXX, I received the Credit Services decision denying my dispute, after an investigation performed by them. In this respond they states : If you disagree, please provide a signed and dated explanation of my position. See attachment 3. - - On XX/XX/XXXX I sent to Home Depot Credit Services the signed and dated documents of my disagree with their decision. This letter has an acknowledged of receipt with the US Postal Mail. As up today I have not received any response from this Department. On this document that I sent there was attached the difference between the first copy of receipt given by XXXX store on XX/XX/XXXX and the second received by Home Depot Credit Services justifying the purchase. As you see the first receipt has not stamp and signature, while the second has it. Such signature is not mine. The receipts were created by XXXX XXXX without my authorization and my signature was falsified. All these evidences and success are included in my response to them. See attachment 4. - - Unfortunately I am paying the minimum payment amount to avoid credit record problems, until dispute is finalized.

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