This report is opinion and my sole interpretation of events.
I refused to pay $4000. in fraudulent charges that Home Depot Credit Card Services billed me. The company never reported me as delinquent to the credit reporting agencies. In other words, they never touched my credit rating.
Home Depot was accused of "fraud" by the Connecticut Attorney General. Home Depot settled the case by agreeing to pay Connecticut $300,000. and refunding customers. Home Depot did not admit guilt. If you live in that state, you may get a refund if Home Depot, at this time, feels inclined to obey the law and honor an agreement. Call the Attorney General if you didn't get it.
If you live in Maine (207 626-8800) or New Hampshire (603 271-3658) call the attorney general in your state. They know about the Connecticut settlement. They will not do anything unless about 5-10 people call.
If you live in another state, get a copy from the Connecticut Attorney General's office (or from ME or NH) and give it to your Attorney General or elected official. Tell them they they may also be able to get a large settlement from Home Depot as well as help you get the money that you believe you are owed.
If you are wondering why you haven't heard about the fraud charges, call up your local newspaper and ask them how much it costs to take out a full page ad. Home Depot buys many full page ads. Newspapers are free to ignore news. Newspapers are not licensed. They are not required to report bad news about their corporate customers or 'bite the hand that feeds them".
If you are wondering why law enforcement officials have done nothing to protect you from fraud committed by big corporations, think about that bumper sticker that says "end corporate rule" and Ralph Nader's statement, "we are in the midst of a corporate crime wave".
Once again, all statements herein are opinion and my sole interpretation of events. Confirm any statements by independent means.
Seabrook, New Hampshire