Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had an open dispute with Home Depot for approximately two years with a carpet install that was purchased on my Home Depot credit card CITI BANK after getting nowhere with them for a very long time I filed a dispute with the credit card for the amount of the carpet purchase this went on for months with many issues telling me different things back-and-forth When they eventually told me it was resolved in my favor multiple times phone calls should have been recorded and there should be plenty of proof of that they also told executive relations from Home Depot that they would be removing the interest from the credit card and then change their mind and said they were not doing it as well After months of them telling me it was resolved in my favor and not to make any payments they said that no late fees or interest would be added during that time they continued to add late fees and interest and then randomly sent me a letter in XX/XX/year> stating that too much time has passed and they were not going to be resolving it in my favor despite telling me for months that it was resolved in my favor Home Depot executive relations knew that Citibank was all over the place telling different stories so they sent me a check finally for a refund to pay off the credit card Citibank is refusing to acknowledge a receipt that was sent to them multiple times showing that a refund was done and a new purchase amount was made for a different product none of it was ever reported to the credit card therefore they added 24 months of interest to the credit card They are now refusing to remove the interest along with the interest in late fees that they have added during the dispute I have called in many times asking to speak to people and escalations I give them all of my information they tell me theyre opening another case and I hear back from nobody they send me a general email stating that they standby their decision and they will not remove anything They also reported all of the late fees and nonpayment during the dispute to my credit bureaus and have destroyed my credit they told lies and when I tell them that the phone calls shouldve been recorded and they should have proof of their employees telling me for months that it was resolved in my favor and they refuse to do anything about it I want to pay off the credit card but with the proof of my receipts along with the dispute I should not owe the interest I have had very rude employees disregard everything that I tell them and just make up excuses and refuse to help Home Depot the company has done everything on their end that they can The store itself refused to fix any wrongdoing on their end with reporting the refund and new purchase amount to Citibank Citibank has flip-flopped back-and-forth for months and are now refusing to do anything and wanting all payment including late fees and interest despite them telling me not to make payments and that no late fees are interest would be put onto the 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 non-monetary relief