Consumer complaint received 2018-06-21
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
DATE NOTATION / ACTION XX/XX/XXXX Paid XX/XX/XXXX statement 3 days late in full at Store # XXXX, XXXX, IL. Paid {$960.00} via CK # XXXX  which the cashier ( XXXX ) processed electronically and provided a receipt XX/XX/XXXX Payment of {$960.00} was credited to my account XX/XX/XXXX Cancelled order for backsplash tile online ( {$110.00} ) Material did not arrive in time for project XX/XX/XXXX Without any explanation at all the {$960.00} payment made on XX/XX/XXXX was reversed. XXXX?

XX/XX/XXXX Bill received Received XX/XX/XXXX statement it does not reflect the {$960.00} payment made on XX/XX/XXXX or the tile order cancelled on XX/XX/XXXX. Store # XXXX  employees are the rude AND XXXX XXXX XXXX   XX/XX/XXXX Made adjustments to incorrect statement and paid {$110.00} cash at store # XXXX. Employees at Store # XXXX do not know how to process any type of credit acct payment.

XX/XX/XXXX XXXX  bill received Received statement dated XX/XX/XXXX. Reflects the {$960.00} payment made on XX/XX/XXXX then for unknown reason the paymt of {$960.00} is reversed on XX/XX/XXXX. The cancelled check reflects that {$960.00} was deposited into Home Depot acct # XXXX on XX/XX/XXXX.

XX/XX/XXXX Called customer service XXXX for an explanation as to why the {$960.00} payment was reversed. Spoke to some foreigner named XXXX  who could not tell my why the payment was reversed but wanted me to make another payment to replace it.

XX/XX/XXXX Went to Store # XXXX & spoke to XXXX, who claimed to be the manager YET could not tell me why the payment was reversed. He claims his employees know how to process credit acct payments but he is wrong. It is clearly obvious that something went wrong AND IT WAS NOT CUSTOMER ERROR. Store # XXXX  is incredibly lame on all levels. Today is a Sunday and there are only 3 employees 2 @ customer service and 1 @ checkout lane # 1. I had to hunt down an employee to get the incompetent manager, XXXX, and this employee told me that she was on break but would help me anyway. Really? What kind of half baked, scandalous operation are they running here?

XX/XX/XXXX 1st SUBMITTAL Sent certified letter # XXXX to Home Depot Credit Services requesting explanation for payment reversal when payment was deposited into HD acct on XX/XX/XXXX Attached three ( 3 ) exhibits of documentation XX/XX/XXXX 2ND SUBMITTAL Received a letter from Home Depot requesting the same documentation I originally sent on XX/XX/XXXX. Not only do I have to repeat what I had already done but the scandalous HD put a 10 day time limit on the response. XXXX HD and their merry band of incompetent thieves. Reported them to the FTC.

XX/XX/XXXX Received some propaganda XXXX about hassle free returns & fraud protection. HA, HA HA. Home Depot is the one running the fraudulent scams. Or at least the inbred employees at store # XXXX   XX/XX/XXXX Once again I incurred the cost of cert mail to resend the same XXXX information I sent on XX/XX/XXXX. Just another HD deliberate delay, deflection, and non-transparent smoke screen scam. Reported to the FTC ( case # XXXX ) & Dept of Justice 0XX/XX/XXXX PAID {$130.00} cash at the incompetent store # XXXX. Someone at that store forged a signature for this tile order because I cancelled and I NEVER PICKED IT UP.

XX/XX/XXXX Received a letter from Home Depot Credit Services stating they are reporting me to the CRAs but DID NOT PROVIDE AN EXPLANATION AS TO WHY THE SCUMBUTCKETS ARE CHARGING MY CARD AGAIN FOR THE {$960.00}

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