Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2024, I called Home Depot and the Recording sated my Balance was {$130.00}. I checked this because I spoke with a representative about the XXXX, XXXX  Account Statement I received and I questioned the New Balance of {$170.00}. 
I was told there was a late fee of {$40.00} & the Representative said this late fee could be waived. Once this was done the Total Amount Due was {$130.00}. This is way I called back on XX/XX/2024 to confirm my balance. 

I tried paying this balance at the XXXX XXXX Home Depot Store, however, the representative wasnt educated on how to accept payments and after 3 tries of being denied, was when I found out that you need to use a card with a pin number. Therefore, I did not want to experience this again so I mailed a check to the Home Depot Credit Services in XXXX, PA. They received it on XX/XX/2024 when it was sent on XX/XX/2024. 

The representative I was on the phone with confirmed the payment of {$130.00} was received. Since this was the balance owed and paid in full, I cancelled my card and account with Home Depot. 

Then in XXXX, 2024 I received an Account Statement with a New Balance of {$180.00}???? I did not make any purchases from Home Depot during the month of XXXX. 2024 because I had closed out my account and shredded my card. 
I called and tried to speak with a representative, but it was over 2 weeks before I was able to speak with a representative. The representative was not able to explain this. He took the payment of {$130.00} from the {$180.00} and said the difference was {$43.00}???? What was this for because at the end of XXXX, 2024 my balance was {$130.00} and it was PAID in FULL?? 

Then I received another Account Statement for XXXX, 2024 and the New Balance on this Account Statement was {$85.00}???? I tried calling and never spoke to anyone until this week. By this time, I only wanted the address of the Corporate Office of Home Depot so I could write a letter to dispute these charges. In XXXX, I asked 3 representatives for the address of the Corporate Office so I could contact them, however, each one of them had no idea of the address of the Corporate Office of the company they worked for??? 
I am asking to please cancel the XXXX & XXXX, 2024 Account Statements sent to me after I closed my account with Home Depot as of XXXX, 2024. 

When I felt I was not making any progress, I went to the Post Office to send a Letter to Home Depot Credit Services to the address I was finally given by a representative. However, when I went to mail the letter and requested it be sent via Certified Mail, the Post Office representative put the zip code in the system and nothing came up. Therefore I could not mail the letter. Then I prepared a Letter to Citibank because when I got home from the Post Office I had received a Letter from Citibank and the address on the letter had a difference po box number & zip code. I did not hear back from the letters I sent, so I decided to contacted my Attorney and explained the situation to him. He prepared a Letter to Home Depot Credit Services on XX/XX/2024. 

Then on XX/XX/2024 I received a letter from Home Depot and from Citibank. They wanted me to call them but since my Attorney sent them a letter, I reached out to him to let him know of the letters I received and should I call them or have him call them. He suggested I call them back. Both Letters suggested I call the Collections Dept. So I called the number on the letter. The representative I spoke with wanted to know my progress on my filing for Bankruptcy. WHAT??? He said there was a note that I was applying for Bankruptcy. THIS IS A LIE!!! I am not applying for any Bankruptcy. I worked for 8 years and paid off my debt due to metal expenses. Everything was all paid off and now my credit score is XXXX! However, I received notification that my credit score had dropped XXXX points because of this situation with Home Depot Credit Services. I immediately called my Attorney because I was so XXXX  of hearing this lie from this Home Depot representative concerning a bankruptcy so I thought about if I could SUE Home Depot Credit Services. This is when he suggested I file a Complaint on Consumer Finance Protection Bureau website.

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 monetary relief