Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Closing my credit account for no legitimate reason and lying about it. My account was closed around XX/XX/2018. The only way I knew about it was checking my account online and it stated account closed. After finding out, I contacted Home Depot there after in the same month of XX/XX/2018. 

I had a Home Depot credit card with a {$5000.00} limit and the account had less than {$100.00} balance. I have consistently for years either paid the balance off each month and or paid on time more than the minimum payment in advance of the payment due date. 

I went into my account on line to check my account and found the statement Account Close. A surprise to me.

So I called Home Depot to find out why. They lied and told me some one call them and close the account. I asked them who close the account. They said they didnt know.

Another call to Home Depot. I asked again how did this happen and again asked who closed my account. This time they said I closed the account. I told them that I have never called Home Depot credit before and the fact that I had not closed my account.

Thought about this and wondered what was really going on. So I called back again.

This time they said they couldnt reopen a closed account that I would have to apply in the Home Depot Store all over again. So like a dummy ( because my gut told me something else was going on here ) I went into the Home Depot store and re-applied at which time I was told I had to call Home Depot credit office.

So I went out to my car and called Home Depot Credit office to find out what the problem was. The representative said it was a credit issue with the credit bureau.

Please note here that I have a clean credit report on all 3 credit bureau reports. In simplicity, I have always paid all my credit accounts either on time or in advance and paid more than the minimum payment. 

I called the Home Depot credit office again. I asked them to investigate who closed my account because I hadnt. They said Id need a police report? A bit puzzling.I asked what do I need a police report for? Then asked what does the police report need to state? I got no answer to that question. Then they pretended they couldnt hear me and hung up on me. 

I called the Home Depot Credit office back again. This time I asked them to prove I closed my account. They hung up on me.

I called the Home Depot Credit office back again. This time I was sent to some voice message and could get them on the line after all this. 

It appears they closed my account because they wanted to not because of me or anyone else and lied to me about it. 

Bottom line is, they closed my account for no legitimate reason and lied about it. 

They had no legitimate reason for closing my account and I want the Home Depot credit account reinstated with the same terms and limit it had before they closed my account.

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