• Report: #322026

Complaint Review: Citi Cards/Cbsd, DMgt/Cbsd, Home Depot Credit Card

  • Submitted: Fri, March 28, 2008
  • Updated: Wed, January 06, 2010

  • Reported By:Oakland California
Citi Cards/Cbsd, DMgt/Cbsd, Home Depot Credit Card
PO Box 6497 Sioux Falls, South Dakota U.S.A.

CitiCards / Home Depot Falsify Credit Report Sioux Falls South Dakota

*UPDATE EX-employee responds: Not Home Depot

*UPDATE Employee: Not home depot

*Consumer Comment: Fair Credit Reporting Act

*Consumer Comment: Doubtful Home Depot

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I was recently coming through my credit reports and came across a credit card I couldn't identify. It claimed I had a credit limit of $950, opened the account in 2005 and had late payments in 2006. One one of the agency reports it was listed as Citi Cards Rpl/Cbsd and on another one it was listed as Dmgt/Cbsd. The only identifying information I could work with was the address (noted above.)

I did an online search and came across another ripoff report with the details of the same kind of thing. It was Home Depot. I have never shopped at Home Depot until last week (2008) and have never opened an account with this company or its affiliates. The impact of this is a bad mark on my credit history and in this economically challenged time that's a huge deal.

I called and they had no record of an account for me. I was instructed to dispute it with the Credit Beaurau.

Laylahm
Oakland, California
U.S.A.

This report was posted on Ripoff Report on 03/28/2008 04:34 PM and is a permanent record located here: http://www.ripoffreport.com/r/Citi-CardsCbsd-DMgtCbsd-Home-Depot-Credit-Card/Sioux-Falls-South-Dakota-57117/CitiCards-Home-Depot-Falsify-Credit-Report-Sioux-Falls-South-Dakota-322026. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 UPDATE EX-employee responds

Not Home Depot

AUTHOR: Kang - (United States of America)

I used to work for Citicards- RPL/CDSB or DMgt/CDSB both have CDSB in common. I searched for it and found Catholic District School Board. There was a Catholic Visa Card that this probably indicates- Citicards has and has had TONS of credit cards. They are VERY VERY careful about HomeDepot, it's one of the shining stars of their company relationships. You would not have a HomeDepot card show up on your credit, if you didn't have one, and it would not appear as CDSB. I fear you assumed that CitiCards IS HomeDepot. They are two separate companies. There are many types of cards, even most Gasoline credit cards (BP, Shell, etc.) that are issued through Citicards.

A bank has to issue the card, SEARS is not a bank, they need a bank to issue their card under, to do the accounting/collecting for them, all the backend things that are involved in issuing and processsing CCs are handled on the bank side- retail establishments don't do that part- they contract with the bank to do it.

In any case, check your memory and see if you ever had a World Missions Visa Card. It would have been issued by WAMU, but they are now defunct, so it may list Citi. If that's not the case, check with one of the credit reporting agencies and dispute those charges. They should be able to give you more complete information if you begin a dispute.

Basically, they will have to show that you actually opened such an account- it will take some time to track down, but THINK of all your credit cards you've ever had... people have some sort of stupid recurring charge that was on their card (like, say a towing rescue service)... and they get dinged for it each month. Well, they forget about it, don't actively use the card anymore, and then don't understand why they owe a balance. CC companies do not cancel such services for you... they just keep charging, then try to collect.
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#2 UPDATE Employee

Not home depot

AUTHOR: Bree - (Cayman Islands)

That's not how home depot shows up on the credit bureaus it would say thd/cbsd...rpl cbsd is a retail private label card. Citi finances a lot of different private label cards like sears, goodyear, zales, macy's, shell and exxon,tractor supply, radio shack etc...so it's probably one of those that's showing up on ur report
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#3 Consumer Comment

Fair Credit Reporting Act

AUTHOR: Laurie - (U.S.A.)

You can file formal complaints against the bank/credit card company with the Federal Trade Commission and Office of Thrift Supervision.

Incorrectly posting info to credit reports is a violation of Federal Law and they are required to fix it
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#4 Consumer Comment

Doubtful Home Depot

AUTHOR: John - (U.S.A.)

Home Depot is usually designated 'THD' (The Home Depot). Perhaps someone else knows who this is but you are stretching without doing proper research.
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