Complaint Review: Home Depot Financing

We got a home improvement loan from Home Depot. They initially billed us at our former address. We got our payments straightened out and even paid ahead, but they continue to put derogatory information on our credit report.

We don't speak Spanish, or whatever their customer service people spoke, but after multiple long hold times, their hang ups, and "I don't know what to do" from customer service about their billing problems, we still have problems from that company.

Their financing company left messages at our former residence about 20 times in a row on our answering machine to call them, so maybe we could help them figure out what they did with our payments, but it is nearly useless to respond. They can't find payments, and our bank also declined to continue to verify online payments with their financing company.

Our bank offered to mail us proof so we could invest more of our time monthly with their billing department, and basically told us to deal with them ourselves. If you want to improve or repair a defectively built home (largely built from Home Depot building materials purchased by our nationally respected builders of shoddy housing) save yourself some headaches; I recommend you finance elsewhere.

Great place for cheap materials, if you have to use disposable housing fixtures, or need a quick patch on a tight budget. They have good stuff too that I was glad to be able to buy at great prices, however big name contractors buy a lot of the cheap crap they have out for new homes, materials the DO NOT last reasonably expected times in some cases for a new home.

Check how many $9.95 or bottom of the line fixtues are in your 400k home before you buy it. Will make you want to be a "builder" too, when you see how much they are taking you for.

Home Depot is right there with the hammers to put in the screws, when it comes to their consumer credit department. Suggestion- go elsewhere for financing.

Our bank reply about uncredited payments that caused constant harrasing calls from Home depot creditors:
Please contact Home Depot Consumer Credit directly for a transfer of the above payment. The payment was issued as requested towards the account ending in -****. We show that you have two recurring payment models (two accounts) set up for the payee, one to process on the 1st of the month and the 2nd to process on the 6th of the month.

Also, the next pending payments for the accounts are on December 31st and January 6th.

You are entitled to receive a copy of any document that we relied upon during our investigation. To request documents, you can e-mail us anytime. Please provide the Case ID number in your request to ensure that we send you the appropriate documents by U.S. mail.

Ronald
Glen Allen, Virginia
U.S.A.