CITIBANK, N.A. – CFPB Complaint ID 2651315

Date Received: 2017-08-26T00:00:00

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: In XX/XX/XXXX I registered for a credit card from Home Depot, XXXX XXXX XXXX, XXXX XXXX, TX XXXX with purchases totaling {$5.00} to be paid when the credit card was received. When the credit arrived in XX/XX/XXXX. I made the {$5.00} payment by phone. They would only accept my Credit Union check ID #. No receipt, or confirmation # sent to me. I called to inquire about a receipt in XX/XX/XXXX and was told that I had a late payment of {$7.00} & that my check was not cashed because I left off XXXX XXXX in front my ID #. I was not notified because they claimed not to have my contact info. They did have my address. I gave them my ID # again with the XXXX XXXX. Meanwhile my Excellent credit report was affected & reduced, I called again in XX/XX/XXXXasking for a confirmation and was told that I now have a {$9.00} late fee because my bank would n’t honor my check ID #. They never contacted me or my bank. I cancelled the Home Depot credit card. Today XX/XX/XXXX I received a letter, even though they said they had no contact info. for me, saying that I now owe a {$11.00} late fee. This time they asked for my debit card # which I did n’t trust them to give. I went to Home Depot to pay cash and was told by customer service that ” Citi Bank ” would have continued to increase late fees if I had n’t come in to pay in cash. I received a receipt from the XXXX. store and had to call XXXX on the phone for a confirmation # and asked them not to bother me again. But tonight I went to the Home Depot web site and saw that they still say that I owe {$11.00}.

Company: CITIBANK, N.A.

State/Zip: TX 786XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2651315

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