we paid off our card in July, 2o1o. 2 months later they call saying we are 60 days in collections for $3.43. that's right...3 dollars and 43 cents. they then reported to the three credit agencies that we had 2, 30-day late collections. I went balistic. They dropped the $3.43 when they realized that they added interest charges AFTER we paid off the card to a ZERO balance, but they would not contact the credit agencies and correct the delinquient information. They are terrible for doing this to us. we have had no late payments on anything...ever and they have screwed us with this false incorrect reporting to the 3 credit agencies. I have filed complaints but they will not lift their stupid mistake. we got turned down for credit at a gas company for one of our rental properties because of Home Depot's mistake.
I hope this helps someone else and that soon this mess gets corrected. We should not have to put up with this.
randall

For all you credit card haters out there, I have a good one for you. I signed up for a Home Depot Credit Card run by Citigroup for the promotional $25 off your first purchase. I did not receive the card, or any further communication from them. The first time I heard from them, it was their collections department in a nasty call telling me to pay my bill. I informed Citibank that I had not received my first bill, let alone my card yet. I asked him the address they were sending the card to, and apparently someone put the wrong one in. They even had the return to sender in the system. I gave him my new address and he said he would sent out the bill. Then he informs me that now I have a $29 late fee to pay as well. I asked him how I can pay without getting a bill? OK NOW GET THIS:

He tells me 'Getting your bill is your responsibility'!!! I asked him if he was kidding me and he said no. Even though they typed in the wrong address, they're going to charge me a late fee for something 'I'm supposed to do' Who do they think they are? I'm supposed to magically know how much to pay, where to send it, etc.?

I asked this, so he said 'well you should have looked at your statement online.' Fair enough, lets get this taken care of right now, I have perfect credit and don't want to ruin it. I log on while still on the phone and try to register to see my account online. Since I never got my card, "What is my account number?"

"I can't give that to you". I am a quiet, shy guy. Lets just say I have never shouted louder at someone in my life. I won't be doing business with Citi anymore in the future.

Citicard - GONE
Circuit City - GONE
Goodyear - GONE
Men's Wearhouse - GONE
MBNA - GONE
Discovercard - GONE
Home Depot - GONE

To all you credit cards out there, your in-store offers may be enticing. But in the end, its just not worth it. Your rude customer service, over the top interest rates, exorbitant late and over limit fees, your idiotic reasoning. I urge all of you NEVER to get another credit card. Cut up the ones you have, don't sign up for any new ones. These people are predators and the way they change their customer agreements (especially interest rates) should be investigated by your states attorney generals. I'm done with them, I hope I've convinced at least one other person to be, also.