4234676980

This is not only a home depot card but also a zales card, and i am 4 days late because we were waiting for my husband to pay it.

THEY ARE ALREADY HARASSING. only 4 days late? SERIOUSLY? ridiciously, i have SUPER credit, LUCKILY, i have a feature on my phone that i can SEND THEM STRAIGHT TO VOICEMAIL.

so stupid. you know i pay my bills based on my credit and you still harass me? and im going to be paying off the entire balance. I HATE bill collectors.

END RANT.

I don't have a Homo Depot Account!  I am a disabled Vet. and do not get out of the hospice home.

I've gotten 4 of these calls in the past 2 days.  Why do I have to "work with them" when I have NOTHING to do with Home Depot??  Why do I have to take MY time to call THEM to tell them to stop calling me??

guys, this is a scam to get your account number, remember no one will ever call you and ask for your number. Have you posted some thing on craigslist and had your phone number on there? That's what it is, block the number asap

The Citi folks just go from number to number with their crank calls.  I don't have ANY......repeat....ANY....accounts serviced by Citi.  I'll just send their accumulating numbers into my phone's garbage file that recognizes these numbers and keeps my phone quiet.  It's a good rule of thumb that if you don't recognize any number, that you don't answer it.  Too many robo-callers logging reports of folks who simply answer their phones.  I'm not going to do it.  Just not going to do it.  Not now.  Not ever.

I just returned a call to this number.  I do not have a Home Depot account but I do have another account with Citi.  They apologized and said that some of their lines get crossed which is why I was getting the calls from the Home Depot side rather then than the company from which I have a card.

As many have said they were extremely nice and helpful.

They keep calling.  Their calls keep going into my phone's 'garbage' files and notifies my phone with a silent ringtone.  It's somewhat annoying to keep dumping the garbage files at the end of the day and see the same old attempts by the same jokers to get me to answer.  Ha ha ha.  Never in a gazillion years.  But, if I should ever get a chance to sue the [***] for harassment, I wouldn't hesitate for a second to ask for a sizable monetary sum as punitive damages.

Clarification is needed. There are no absolutes regarding how a collection agency may respond to a written cease-comm. For sure it must obey. From there it could stand and litigate, sell the account, or stupidly violate the cease-comm. It will not automatically be returned to whatever entity made the assignment.

I've been seeing many complaints pointing back to Citi Group, which services more than one retailer. In other words, Citi is an original creditor managing card accounts on behalf of some businesses, such as the current arrangement with Sears. Possibly it's the same with Home Depot. This indeed makes Citi exempt from FDCPA, but a few states have their own collections practice laws which apply to original creditors. California's Rosenthal Act is a standout, pretty much a clone of FDCPA holding OC's to the same standards as third parties.  

At any stage a debt claim may be challenged, and should be when a third party collector works the account. Depending on all the above factors, an alleged debtor can do anything from a validation request to a lawsuit for bad practices. There are always options, not just "pay youse bills". Learn how to exercise your rights at FTC-dot gov.

They call, but don't tell me what it's regarding when I asked the reason for their call. I'm not behind on any bills, so I don't know why they would be calling me. I'll just ignore them from now on. Or I could get one of those boat air horns and just let it answer the phone when they call. After deafening several of their people maybe they will decide it's not worth it, lol. You can feel free to get you a boat horn to use on annoying callers too!!!

They called again.  This time it is on a SUNDAY morning.  Maybe the Citi that represents Home Depot are Jewish and enjoy annoying the Gentiles?  Oh, das macht nichts.  But, now I'm going to go to Home Depot this afternoon and load up a cart of small delicate (easy to lose)  items...........screws......nails............batteries.......hammers......saw blades..........FRAGILE light bulbs.......and leave it on the back aisle.  I might even ask a HD helper to cut me 10 pieces of nylon rope each 1.5 feet in length to add to the menagerie.  Then, I'll walk out of the front door empty-handed.  Oh, paybacks are such jolly good fun.  Keep calling me.  I need a hobby.

Got a call from Citi servicing a ExxonMobil gasoline card account.  They say I'm 34 days late for a $27.00 charge.  I never got a bill.  Therefore, how can I send payment.  I asked the guy to send another statement.  He said they would.  We shall see.

Continue calls but will not speak when answering the phone and will not leave a message when going to the answering machine.
The call originates from 281-588-1411 then switches once answered

I mailed my payment on Monday the 7th. I thought the payment was due by the 14th, but it was due on the 8th. This is the 10th and Home Depot is already calling me? Thats rediculous. They have the payment and just did not post it yet I guess. But one day late and they are calling?

Dont you love these bill collectors...what part of stop harassing us dont they understand?  Maybe when they take a closet look at the shape most of us out of work people are in, they will get it,..not. They only understand one thing...The law...so maybe they will stop when my rep gets a hold of them...i hope.

i have never had a home depot acct so why they calling me?

I had been getting the calls and didn't know who the company was.  Finally I answered and it was indeed Citibank calling on behalf of Home Depot.  I was behind, but had just made a payment online.  The lady I spoke with was extremely nice and confirmed my information.  I told her I'd catch up when I got my next check, but had paid the amount I was overdue.  Probably one of the nicest bill collection calls I've ever had.  LOL  Hope I don't have any more!

Home Depot card belongs to my soon to be ex-husband who liked to shop with the card but never paid the bill. I always did. Well, I ain't doin' it no mo. Especially since they raised the interest rates sky high and the minimum payment alone is more than I can afford but as is what happens whenever you are even one day late with the bill. They make it nearly impossible for you to honor it then which makes no sense. Well, I'm not taking their calls and have the home number disconnected. Unfortunately some time ago I gave them my work number and my cell when the bill was in dispute so guess what? However, as they have stated...I'm not legally responsible for the debt so now that I have their number...let it go to voicemail. All my debt is paid off and I advocate to all folks...unless you run a business or are completely secure in your field of employement...do not open up credit card accts and if you do..make sure it is a local bank visa with low limits and managable interest. This is how credit should be done. These companies with their over the limit fees and late fees and charges a fees for this and fees for that...they need to be taken out, not bailed out. Once you have small lines of credit established...as student loan, vehicle loan...maybe one or two small credit cards in order to qualify for a mortgage...get that loan and then pay all your debt off and never live on credit again. If you can't save up the cash to buy it then you don't need it. My husband and I are divorcing and that makes me sad. He won't pay his bills and I can't live like. Good luck gettin' blood outta that turnip, CitiBank.

They are thieves for trying to get paid back on credit they already gave out? Come on now.

Stop and think for a minute. If they have the wrong number, how can they be sure? If you did owe them money and just kept telling them "wrong number", what would be the difference? If you suck enough to not pay your bills, you just might be a liar too!

exactly! You are a smart person!

Why should they believe you? People who default on credit cards also lie!