Complaint Review: home depot/citi bank

This incident took place in April, 2016. That's when I was checking my credit report, because of a sudden drop to the credit grade. As I was trying to descover what, all of a sudden, from one month to the next, took place to bring down the grade drastically, the report showed"Homr Depot/ Citi Bank. So I dough up an old Home Depot bill, to get the phone no. off the page to call up Home Depot, to find out what's going on to cause them to cause my credit rating to drop so sudden & so much. Upon calling, the Citi Bank had answered at the other end of the phone. I had explained who I was & gave them my account no. info. They replied with: we've been trying to call you about a deliquent bill that was due in January, 2016. My reply was: if you tried to call, then I you never talked to me, because I never heard from you. And, by the way, why didn't you send me the bill , through the mail, like you usually do? They said they, (Citi Bank), sent out a bill too. But it never happened. And they know it. All of the Home Depot prior bills came through the mail. So, as I had requested: send me a letter of billing for the charges & dates the charges took place. The next few weeks came & the letter arrived. It had in it's content, the charges, with late fees & interests included. I walked into Home Depot to pay the charges (only), which I almost had trouble paying off, just the bill, without the interest & penalties. But I did manage to get them, (Home Depot), to accept the payment. But, from there, every month since the payment, I receive the componded penalties, which I belive, was a gimmick to get more money out of me by not notifing me in letter form, when the bill was due, like they've always done in the pass.

I was a regular Home Depot shopper until this incident took place. And in the pass, i've had bad experiences with Citi Bank. But, no more Home Depot shopping for me. Lo***s, O****** Supplies & a few more Mom & Pop stores get my money.

Meantime, I plan to fight this matter to the end. And, as they say: you live & learn. Businesses as large & greedy as Home Depot / Citi Bank have a need to steal from the customers because they don't meet their yearly quotas. So they sit back and create scenarios that they think will extract extra bucks from the customers, by ways they know, won't be too obvious, to catch the thief. But, by phone calls made to the Citi Bank, I think I can prove who got in touch with who, first.