Consumer complaint received 2018-03-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My husband and I purchased some blinds and drapes from the Home Depot Store in XXXX XXXX, Il XXXX XX/XX/XXXX. 
I registered for the autopay payments from Citibank which is connected to Home Depot for payments towards goods or purchases thru Home Depot Stores. Autopay is the term for monthly payments to be withdrawn from my checking account via Citibank for the balance on my husband 's Home Depot Credit card. The date of the monthly transaction for payment to Citibank towards the balance on this Home Depot credit card is the ninth day of the month. XX/XX/XXXX Citibank via autopay deducted XXXX dollars ( the amount I choose for payment towards the Home Depot Credit Card balance ). 

On the following day, XX/XX/XXXX I submitted another XXXX dollars thru the same checking account for autopay. 
The balance on our on-line Home Depot account reflected a balance of : {$750.00} which included the autopay amount of XXXX dollars. However, XX/XX/XXXX our on-line Home Depot account had a notation of " payment reversal with an amount {$50.00} dollars located directly placed on the statement with a posting date of XX/XX/XXXX. 

On XX/XX/XXXX Citibank deducted without an reason or explanation the XXXX dollars I had issued as payment from my checking account connected with Citibank. Consequently, the balance changed from {$750.00} to an increase of the balance of : {$800.00} dollars!. Despite contacting Citibank they claimed they had no answer for this. I checked my autopay checking account on XX/XX/XXXX two deductions were withdrawn one from Citibank for {$50.00} dollars followed by another deduction of {$50.00} dollars payment for Home Depot which should have stated Citibank!. 
Now, I have been short changed by Citibank XXXX dollars for no reason given!. 

I am very apprehensive that my checking account is connected to Citibank, I usually pay large amounts on credit cards as soon as possible!. I now am reluctant to pay additional payments. I can not understand such a large bank as Citibank is so sloppy in their accounting and customer service!. I have a Citibank card which I will never use again. Citibank is terrible they refuse to allow me information on my husband 's Home Depot on-line account, despite I am registered with my checking account as a source of payment.! 

Citibank now has forced us as of today XX/XX/XXXX that my husband will not have access information to his account unless the Home Depot store we purchased from authorizes my husband : XXXX XXXX as the verifed credit card holder!. When I mentioned to Citibank employee named XXXX no last name given, she refused to despite my asking her for her full name. 
XXXX, further stated she would place a restriction on is account This is just spiteful!. She ( lied about this and further stated there was a picture idea when he registered for this account ) I contacted the Home Depot store and they stated they knew nothing about this regarding him or any customer Home Depot customer having to follow this procedure. my husband has over five years registered with Home Depot credit credit without any conditions as this at the time he registered for his credit card!. 
The number I spoke to XXXX at was Citibank phone number XXXX. 
Home Depot has created problems with us since XX/XX/XXXX. 
This also included an employee of the Home Depot store at the time of the return total : XXXX claiming that {$220.00} had been returned back to as part of the refund!. This never happened!!!!!. I had to contact every branch of Home Depot and Citibank and they accepted this incorrect information.! 
Home Depot did return back to the Home Depot account of {$500.00} for the balance. This was correct!. 
The {$220.00} were installation fees!. That too is correct!. 
This was resolved only after five weeks of insulting and degrading myself and. Citibank never returned any calls despite their promises ( empty promises ) Citibank claimed it would view the video of XX/XX/XXXX of the Home Depot store when my husband returned the drapes we had purchased XX/XX/XXXX. 

I am unsure the exact date I was given the correct information that consisted of home installation fees for the charge for the full payment we charged on the Home Depot credit card totaling : {$720.00}. 
{$220.00} were applied also for the installation fees. The drapes we ordered from Home Depot XX/XX/XXXX total cost was : {$500.00}. 
full name this was her idea and she was submitting this violation ( Home Depot stores do not require confirmation

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