Citi Home Depot Credit Card Home Depot Charging late fees on top of a late fee they removed! Sioux Falls, South Dakota

2nd of Oct, 2011 by User524758

I have always made my payments on time every month since my Home Depot Credit Card was opened. I accidentally paid a few minutes past 5:00 p.m. in August 2011. I was charged a late fee for this. I called to ask that the late fee be removed and I was told it was. In September 2011 I paid the regular payment on time. In October 2011 I received a letter that the account was past due before the payment due date. I called and was told that the late fee had been removed from the balance, but not the payment. They expected me to pay the removed late fee in September 2011 with my regular payment! In October 2011 I have again been charged an additional late fee for not paying the 1st late fee that was removed from my account! They said that this is a federal regulation and that they can do this! This practice makes no sense to me why they are allowed to charge a late fee for a late fee that was removed! They are also treating me like I've never paid them when I've paid them every month on time! They offered me some kind of program to reduce the interest to 9.99% for 33 months and pay $20.00 a month which is more than the regular payment was. They also said that they would report the account as delinquent even when payments are made if I took their offer which I did not! Also, when the account was first opened it had 6 months with no interest. At the end of the 6 month period they charged interest for the entire 6 months of free interest! I wanted to pay it off at the end of the 6 months and it didn't work out, but I really wish I did pay it off anyway!

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