- Report: #1417249
Complaint Review: Home Depot/Citibank - Sioux Falls South Dakota
Reported By:
Kim -
Menifee, California, United States
Submitted:
Updated:
-
Author Not Confirmed
Why?
Home Depot/Citibank
701 East 60th street north Sioux Falls, 57117 South Dakota, United States
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Home Depot/Citibank Citibank Fraudulent charges on my home depot Sioux Falls South Dakota
This is very complex. I had two Home Depot accounts. One opened in 2013. It had a very low balance and another opened in 2011-12. It had a higher balance. Every month auto pays paid out on these two accounts. I seperated from my husband in 2013 to 2015. But the auto pays remained on my Home Depot accounts. In December 2014 my husband finally said something to me about all the money coming out of the account the auto pays set up on. I was surprised that Home Depot was still coming out of that account each month. Both accounts by that time should have been paid off. In January 2015 it was apparent there was something wrong with my Home Depot charge account. I went online and saw a high balance on both. I saw charges of 500.00 ( which was odd in itself that there be even dollar amounts listed) I then clicked on the transaction to see what I bought. Nothing showed up. Blank merchandise. I went through more and saw the same. I then saw a few with merchandise it said I bought that I didn’t buy. I immediately contacted Home Depot who quickly issued me new cards. But also was to investigate my account and this bank fraud happening stealing my money. Out of good faith I made one last payment. Then I waited to see what happened. The bank account naturally had to be closed. I received no letters from anyone on this. My calculations were that Home Depot owes me money. I got sick and this is where I failed on this. I heard nothing and assumed my husband had taken care of all this because he was a stickler at about our financial business. It wasn’t until this year that portfolio recovery some collection agency served me papers suing me for 7,000 on that old Home Depot account that I went digging into my old bank statements. It was then I saw electronic checks unauthorized by me that also were coming out of our bank account. These were very well hidden who it was taking money out but I saw that it was more Home Depot. I filed an answer to the law suit that is coming up next month with portfolio recovery. They show that citi bank who was to investigate my account just charged it off in a bulk sell to portfolio. Portfolio never contacted me before June 20th 2017 with this court summons. I filed thank god and have bank statements to prove all of this. They will have to show the charges I made using the Home Depot credit card. Already though my credit report shows Portfolio Recovery as owner of this fraudulent debt. This all happened during the Home Depot data breach. I’m sure I’m not the only one this happened to. To me it appears none of my payments went to credit my account and then false charges were credited to steal money from my bank account. Who’s responsible for this nightmare? Who’s there to help me now against this law suit?
1 Updates & Rebuttals
Robert
Irvine,California,
United States
Responsibility
#2Consumer Comment
Sat, December 16, 2017
This really isn't that complex, it comes down to a very simple item. Your failure in some very key areas. It is YOUR responsibility to reconcile your credit card statements EVERY month, that is why by FEDERAL law they are required to send statements through the mail or make them available through electronic form. Had you done that you would have caught what ever the issue was the first month it happened.
Also you apparently do not keep a written register nor reconcile your actual checking accounts. As if you had a statement like this would NEVER have happened...
Home Depot account that I went digging into my old bank statements. It was then I saw electronic checks unauthorized by me that also were coming out of our bank account. These were very well hidden who it was taking money out but I saw that it was more Home Depot.
Had you kept a written register, you would have seen this withdraw with no matching record in your register and would have investigated it then.
They will have to show the charges I made using the Home Depot credit card
- Don't be so sure. As the Fair Credit Billing Act(FCBA) only gives the account holder 60 days to file a dispute. After that the assumption is that the charge is legitimate and the account holder can be held fully responsible.
Who’s there to help me now against this law suit?
- Who can help? A good attorney. Hopefully one who may be able to find you some nice loopholes. Of course that is something you should have done before you filed your answer.
Good Luck..
