Citibank XXXX XXXX ( CBNA ), in conjunction with The Home Depot, treated me unfairly. In XX/XX/XXXX I applied for, and received, credit at the check-out register for a purchase ( about {$350.00} ) in order to get a {$50.00} discount. They got my mailing address wrong, so I never received a bill. ( Despite my ongoing efforts to communicate and negotiate a fair settlement, I still have never received a bill ). I forgot I had applied for this credit, and also forgot the amount due, thinking I had simply added it to an existing credit card. 

XX/XX/XXXX I received a collection call -- my first reminder that I had opened this credit account. I agreed I owed something, gave my correct mailing address, and asked for a statement I could use to negotiate a settlement. I did not believe I should pay for late fees and interest when I never received a bill! To date, I still have n't received a statement. 

XX/XX/XXXX they wrote off my debt, sent me to a collection agency, and dinged my credit report WHILE I HAD ALREADY AGREED TO PAY SOMETHING AND WAS SIMPLY TRYING TO OBTAIN THE INFORMATION NECESSARY TO NEGOTIATE A FAIR SETTLEMENT. I contacted the CBNA/THD ( they still have yet to send me anything by mail or contact me by phone other than the XXXX XX/XX/XXXX call ) and the balance they are trying to collect from me is now up to over {$700.00}! 

These collectors are intentionally stringing me along to grow the interest charges. They prey on people with good credit, thinking they will simply pay the fees to make outstanding balances go away, no matter how unjust. Well I will not stand for it and will fight. I will pay what is fair, but not {$1.00} more! 
