problems with Home Depot card

you will not get a response from them. I suggest you check your credit
report and if it is on there, you can send a letter to all three
credit bureaus with proof and send it certified mail (receipt) as
proof when you mailed it. By law ,the credit bureaus have 30 days to
verify this and get back with you. If they don't by law they have
remove if from your credit report. Good luck.

So today I get my electricity bill. It's over $400 and I start to
freak out, because it just hasn't been that hot. I mean, National
Grid just raised the rates and everthing, but still....

Then I noticed they show a $40 payment from last month, and I think,
"what the heck?" (O.K. -- that's not exactly the word I used, but it's
the same basic gist).

Turns out I wasn't paying entire attention last month when I paid the
gas and electric (both to National Grid). Sent the gas to the
electric and the electric to the gas. The good news is that I'm paid
up on my gas into 2009.....

Just had to laugh at myself as I was reading all of this....

I just got off the phone with Mario, and he has been so helpful and
amazingly polite! He said they understand my situation and have filed
a request to remove the late payment entry from my credit report.

I am very pleased with the outcome and plan on doing much more of my
shopping at the Home Depot!

I once sent in my credit card bill ($150 or so), and realized about a
week later when I went to pay something else that the check was still
in my checkbook. Oops. I called customer service to ask what I should
to (since I didn't have the payment stub anymore). When the CSR looked
up my account she said that I actually had a credit of over $100. That
didn't make sense.

I got off the phone and looked up my account online and saw that there
was a payment of over $200 made a few days before, which really made
no sense. I went back through my checkbook to make sure I hadn't sent
them the wrong check or something, but I hadn't written any checks for
that amount or anything close to it around that time. I called them
back and explained what happened again, and said they must have
credited someone else's payment to my account. They were able to sort
it all out, and I sent them the check with a note explaining the
situation, and they were nice enough to waive the late fee. Since
technically I was late.

I just wonder how long it would have taken for the other customer to
find out their payment wasn't credited to their account if I hadn't
forgotten to put the check in the envelope...

I hope Mario is able to get everything sorted out for you.

But the account was NOT paid due to your error, if I read correctly.

What account did your payments go to that resulted from a
typographical error? None of my acounts is within a few digits of
another. Did your payments go to another Home Depot account? If not,
I don't see why you should hold this against HD at all.

If you have multiple HD accounts, and this payment went to another, I
think they should help you out. Good luck.

ps Be careful in the future using online payments. Most sites
provide enough verification screens to allow you to see exactly where
and how much you are paying. You need to review these carefully
belfore clicking "submit". I use online payments for *everything*.
You just have to be meticulous.

Tara,

Thank you for your comments. My name is Mario de Armas and I am the
Product Manager for the Home Depot Consumer Credit Card. I will need
additional details in order to help you resolve this problem. Please
contact me at 770-384-4086 or at mario_de_armas@homedepot.com.

Thank you

The snakes lured you in with their enticing no interest no payments.
If you had only paid cash for what you could afford at the moment,
none of this would have happenend.

Good Day

Has Home Depot charged you any fees associated with this? Have you
paid interest?

I think they should remove the late payment from your credit report,
since you are an on-time payer. However, I think they should charge
you some sort of fee since you make a mistake that they've had to
rectify. Nothing big, but maybe $25?

Would you go for that?

You paid your Home Depot bill late. Home Depot reported that you paid
your bill late.

You "feel that this does not accurately reflect [your] payment record
with Home Depot." It exactly reflects your payment record with Home
Depot.

What it does not reflect is your intention to pay on time. And that's
great, it really is, but your credit report isn't set up to register
intentions.

I'm sorry that this left you with an unfavorable view of Home Depot.
But if you are going to boycott a company for honestly reporting your
payment history, that's one more way that you have left Home Depot
with a view of you as unreliable and possessed of an exaggerated sense
of entitlement. That's too bad, especially because I don't think that
is the kind of person you want people to think you are.