Citibank / home depot credit card
I am in receipt of your statement in the amount of $5116.87. The last payment was made on December 23, 2008 in the amount of $119.00 as required by Citibank. On January 17, 2009, I received a statement stating that I would need to pay $386.00 for that months payment. All of a sudden interest was raised, and my payment was beyond my means. At that time, I spoke with collections who informed me that if I made my payment for $119 (as previously advised) my account would be up to date. I called back again January 26, 2009, and was advised they could not locate my account. As I was aware this account was still active, I was transferred to several people who were unable to help me. Again, I did this in February 2009, where I was told NOW the account went to collections. I have contacted Citibank several times regarding this matter and have received no resolution.
My original card was any purchase over $299 was interest/payment is deferred for 6 months. I am still waiting for the letter from Home Depot or where they added the "new purchase" and I was advised that the "new purchase" was not part of the deferred interest/payment plan. All payments were made toward the account, but it was then prorated to both the initial purchase and the "new purchase". With that system of accounting, you can NEVER pay off the "new purchase" in full without paying the entire account in full. This too was not stipulated and I was told differently EVERY time I called.
Further, there are STILL several charges that were never taken off my credit card statement. After several months of having problems with a swing and a sliding glass door, both which were promised to be refunded, I still cant get home depot to give me the credit promised by the store manager.
Its now affecting ALL of my credit and I cant contact CITI because its been sent to collections.
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