Report: #1368780

Complaint Review: home depot, best buy

  • Submitted: Thu, April 20, 2017
  • Updated: Thu, April 20, 2017
  • Reported By: jess — huntington West Virginia United States
  • home depot, best buy

    Nationwide
    USA

Show customers why they should trust your business over your competitors...

I have close to an 800 credit rating, I have tried to dispute an issue regarding home depot and they refer me to citibank. I transfer every 1-2 years throughout the U.S. I call all my creditors when I know I am moving and update my address.

In December 2014 I contacted citibank and notified them of a new address. 15 other creditors got the change but citibank did not. I had a home depot card that had a minimal balance. In Febuary 2014 I went into a store and was notified that I had an outstanding balance which I paid off on the spot.

I have 5 yeare of perfect payment with the exception of 2 months when I did not receive my bill. I disputed the bill and Citibank responded back in 3 bays to the credit bureau that the error was mine.

I explained that when I moved 15 other companies got my change of address right but citibank did not. When I called them they stated that they had no record of my address change so it was my fault. I called back and I was blown away with the citibank response. The rep stated "you are an adult and must pay your bills, it is your responsability to know your account. even if you do not receive a paper statement you should go on line to check your account. You are an adult-you know you just can't not pay your bills"

I cancelled the card and hung up. I have never in 55 years received such acrid, condescending customer support. At least when you deal with credit companies that have support overseas they have respect and listen to you. I have never been lectured on my finances in my life. Avoid any company that uses citibank. I called as far up the food chain as I could at home depot and every number they gave me went back to citibank.  

Use your own credit card for any store that uses citibank. Avoid the 12 months no interest trap. The will refuse to admit a mistake on their part or correct it.  

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This report was posted on Ripoff Report on 04/20/2017 03:43 PM and is a permanent record located here: http://www.ripoffreport.com/reports/home-depot-best-buy/nationwide/home-depot-best-buy-citibank-do-not-touch-any-card-that-is-run-through-citibank-home-de-1368780. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
3Author
4Consumer
0Employee/Owner

#1 Consumer Comment

What’s Good for the Goose is Good for the Gander

AUTHOR: coast - (USA)

Maybe you are a disgruntled former Citibank employee or perhaps you are attempting to discredit Citibank because you work for Wells Fargo or Bank of America.

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#2 Consumer Comment

Educatipn

AUTHOR: Robert - (USA)

Oh it is so interesting how you failed to address any of the points mentioned only to continue to spout the "You are an employee..yada yada yada...". So let me educate you a bit...

You have no horse in this race but your subject matter expertise and integrity compels you to tirelessel pore over key word searches in consumer complaint forums

- Actually my "expertise" has been helping people with credit issues for several years and the statements I made would have been IDENTIAL regardless of the company.  A lot of this is "education" and yes a lot of it is something people don't want to hear because they don't want to hear that they may actually be wrong.

My rebuttals seem to come close to the same time the following day. Oh my what a coincidence.... on a Saturday-even better

- If you look at the top of this site you will see something called "Latest Reports".  No fancy internet search no magic keyword juju. I am actually surprised that you didn't accuse me and the other poster as being the same person.

Long story short-I have dealt with error and conflict resolution for 25+ years.
- You specialize in "Conflict Resolution" and your solution to resolve this conflict when they refused to fix something your way from 3 years ago is to close your account and write a "RipOff" report.  When someone says something you don't like you go right to accusing them of working for the company?  Pardon me if I may seem a bit confused but that doesn't exactly sound like that would be something you learn in Conflict Resolution 101.

The reason this site exists is to extablish a forum where people can share their experiences.
- Apparently it is only a 1-way street where you can only "share" if you agree. If someone tries to say something you don't agree with instead of opening up some dialog your "conflict resolution" skills go right to try to cut them off using your own false statements(ie we are employees).

Not only are your facts inaccurate but your logic is flawed.
- Please tell us what specific "facts" I posted that were inaccurate?  Is my claim that you stated you missed payments wrong?  Is your 800 credit score not actually good?  Is it actually not a good thing to have a good payment history for 5 years?  Is there some law or regulation that says you actually aren't responsible for your bills?  Does the USPS not forward mail?

If you truly want a "dialog" then perhaps actually going after the points brought up would be more productive.  But if you just want to rant and vent your misdirected anger.  Where it helps you accusing other people of working for the company then go right ahead. As I said that is Standard Operating Procedure on this site that if you took 5 minutes you would see that.

In the end if this post is too many paragraphs for you to comprehend I am sorry. But the reality is that at this point this report isn't to "convince" you that you are wrong, as your mind is made up.  It is for anyone who comes and reads it to make them think. "You know if I change my address it sure is logical to make sure that the change of addresses went in".

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#3 Author of original report

If you have ever been hosed by Citibank you must read these replies

AUTHOR: - ()

You must have one incredible life if you spend your days writing multi paragraph rebuttals ripping people apart supporting companies "you don't presently, or have nerver worked for work for" --  :) really. You have no horse in this race but your subject matter expertise and integrity compels you to tirelessel pore over key word searches in consumer complaint forums

My rebuttals seem to come close to the same time the following day. Oh my what a coincidence.... on a Saturday-even better

You should take your expert never worked for the company I am defending by trying to discredit you experience and apply it to a useful function. Your tag team approach is as transparent as glass. Long story short-I have dealt with error and conflict resolution for 25+ years. Take all the inaccurate shots you want. The reason this site exists is to extablish a forum where people can share their experiences. 

 

Not only are your facts inaccurate but your logic is flawed. Trying to deal with Citibank through this forum has been quite an educational process. I find it unusual that such effort is put forth to belittle, discredit and insult the average hard working bill-paying American. You can not discredit the truth no matter what logic style you apply or how hard you attempt to make an individual look uncreditable       

I have never written any type of complaint of a bad customer service experience on line in my life. I have never "blogged" or written in a forum environment either. This is the first. You on the other hand are a seasoned pro. All I did was state my experience.

Let's end this on an upbeat note. Citi's mission statement and principles:

Our mission statement and principles

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#4 Consumer Comment

Typical

AUTHOR: Robert - (USA)

Oh yes the "I don't have anything to defend what was said, so I am just going to accuse them of being an employee". If you look around this site you will see that your comments are SOP, and you will also see how they are very..very..wrong.

The fact is that the responsibility to pay your bill is YOURS. It doesn't matter if you put in a change of address to 150 companies and 149 of them got it. The first month you did NOT receive a bill from that last company, YOU should have been on the phone with them finding out why. If you can remember you need to change the address with 15 companies you can remember to check if you got the bills as expected.

Yes, of course if they did get it they need to change it. But there is your problem you have no proof, other than your claim, that they did get it. Perhaps you actually didn't write down the change of address after all you had 15 other changes. Not saying you did or didn't just that the reality is you do not have absolute proof you actually did send it to them.

The fact that you have a near "800" credit score(of course in what scoring model) is good. The fact that you say you have 5 years of perfect payment history is also good. But NEITHER matter when it comes to your responsibility to make sure that the address changes went in and you are getting your bills as expected. And the reality is that with an near 800 credit score it is having a very minimal effect(if any) on your credit at this point.

By the way since you do move every 1-2 years there is one other item you forgot. The USPS will forward mail(including credit card statements) for up to 1 year. After all not everyone is like you and can remember to notify EVERY person of their new address. So why didn't you set that up with them. Yes, depending on how far you move it may take an extra 3-5 days to get your mail, but you will get it. I believe it now has a one-time $1 charge for verification, but back in 2014 I don't think there was any charge.

And no before you go down that incorrect path again, I also do not now or have I ever worked for any of these companies.

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#5 Author of original report

nice job of responding without addressing your issues

AUTHOR: - ()

I make a typing error and you jump all over it but if you read the sequence of the whole response it is evident that I  had several issues you developed selective amnesia on. It was your responsibility to correctly update my address, which you failed to address. Also, nice job of failing to address your rude, condesending customer service. You have thousands of negative feedback responses for a reason. To have a staff dedicated to damage control makes an incredible statement in and of itself.

 

 

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#6 Author of original report

you must have a full time staff to address rebuttals.

AUTHOR: - ()

it was December 2013--I typed in the wrong year

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#7 Consumer Comment

Your account was already delinquent in December 2014

AUTHOR: coast - (USA)

You notified Citibank of your change of address in December 2014 yet your account was delinquent ten months earlier in February 2014.

It is the cardholder’s responsibility to keep the account current. Not receiving a bill is an unacceptable excuse especially with the convenience of viewing and paying the account online. Someone that moves frequently should keep better track of the status of his or her accounts. This is totally your fault.

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