Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Home depot credit services Consumer Financial Protection Bureau Consumer information and complaints XXXX XXXX In reference to the letter ( copy enclosed ) dated XX/XX/2024 stating that Citibank had processed my request to stop all collection calls relating to the past due status on your Home Depot consumer credit card account that is a quote from the letter. As with most of what this company has done in this situation this is absolutely incorrect I did not make that request I point blank told them that the charges were being disputed that I would not be paying the bill until that was properly satisfied I told them that the documents that they based their dispute decisions on were forgeries and not signed by me. ( Copies enclosed ) I also told them that they had better not cause me any problems with my credit rating and if they did I would sue them. I was on a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time of the call. I was nearly hit by a passing car due to the distraction. I did not at any time tell them not to contact me. I will say that when I call them I'm able to record the phone conversation so I have proof of what has been said in this case they called me I was not able to do so. This company is the most horrible company I've ever dealt with I have two other credit accounts with them that are in good standing with no problems at this time but I will be rectifying that problem as soon as I can do so. During phone calls to the company I have been hung up on at least a dozen times making it impossible to try to deal with them in a timely fashion. I have logged over 15 hours on phone conversations with them. I told them I will no longer initiate calls to them and they need to provide me with an email to correspond. The correspondence from their online system are not available most of the time to me. And do not print for records ( copies enclosed ). I will be sending this by certified letter. I do intend to file litigation against Home Depot and Home Depot credit services for their actions in this situation both the install of the product the forgery of my signature on the acceptance of the project ( it is still unclear as to which of the entities committed the Forgery, as all involved have been uncooperative with Law Enforcement ) and the fact that they have not properly handled this from the very beginning. According to the Federal Trade Commission, Consumer advice web site ( see below ) information, if I pay this bill or any part of the bill it will eliminate my ability to file suit against them in the future because of that until the dispute is completely handled and the forgery is addressed I will not be paying this bill I do still dispute the bill and I am going to send copies of all of this to the credit bureaus on my behalf, the F T C and the Arizona Consumer Protection division of the Attorney Generals office. 

If You Have a Complaint About the Quality of Something You Bought If you have a problem with something that you paid for with a credit card, you can take the same legal actions against the issuer as you can take against the seller under state law. That depends and may differ from state to state. Search for your states consumer protection agency to learn more about protections and requirements in your state. 
For example, suppose you purchased an appliance that stops working after a month. If your state law gives you the right to sue the seller for this problem, you would also have that right against the issuer. So you could dispute the amount due withhold payment, and ask the issuer to investigate the problem. They could not require you to pay the dispute amount without first conducting an investigation. If you are not satisfied with the outcome, you still retain any state rights you may have : If you have the right to sue the seller, you also have the right to sue the issuer for the problem. But to use this federal right you must withhold payment. To take advantage of this protection The goods or services must have cost more than {$5.00}. 
You must have bought it in your home state or within 100 miles of your current billing address. 
You must have tried to resolve the dispute with the seller first. 
In a few situations, such as if the seller is also the issuer, the dollar and distance limitations don't apply. So, if you bought a washer from an appliance store, using a credit card that the store issued, you would only have to try to resolve the dispute with that company first, regardless of the price of the item bought or in what location you bought it. If the seller would not resolve the problem, you could then dispute the problem with the issuer. This means you should contact the seller quickly, and if they dont promptly resolve the issue, you can dispute the charge with the issuer and explain why you are withholding payment. The issuer can not report you as delinquent in this situation, until the dispute is settled or a court makes a judgment. 
they may have threatened to report your failure to pay during the dispute period. Even if it turns out you owe the disputed amount, the issuer loses the right to collect up to {$50.00} from the amount they otherwise could collect, because they violated the law. 

as if the seller is also the issuer, the dollar and distance limitations don't apply. So, if you bought a washer from an appliance store, using a credit card that the store issued, you would only have to try to resolve the dispute with that company first, regardless of the price of the item bought or in what location you bought it. If the seller would not resolve the problem, you could then dispute the problem with the issuer. This means you should contact the seller quickly, and if they dont promptly resolve the issue, you can dispute the charge with the issuer and explain why you are withholding payment. The issuer can not report you as delinquent in this situation, until the dispute is settled or a court makes a judgment. 

Based in this rule Home Depot Credit Services must notify all credit reporting agencies that this bill is being disputed. So that it will not have a negative effect on my credit rating XXXX XXXX

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