Home Depot
Reviews and Complaints

It has come to our attention that a young man was fired due to the fact that he wore a pin with God on it. This country was founded "under God" and before that the Native Americans believed in the "Great Spirit" which also is God. We have a Home Depot card but we plan to cut it up and we also intend to encourage others to do the same. we have freedom of Religion and feedom of speech so far.

you may not realize it right away but there are going to be a lot of people who will shop elsewhere due to your inability to see that all of the mess we are in is due to people forgetting and now refusing to let God in whatever religion, be part of our lives openly.

"In God We Trust" "God alone is real" quotes from famous men.

May God and His angels awaken your heart and soul.

George and Rosemary Richards

I just received a faxed estimate to install vinyl flooring in a 12'x12' kitchen and I just about passed out. How can a company justify charging $1, 932.92 to install a vinyl floor? With $1, 500.00+ of this going for labor, are they nuts? The average yearly wage in Amsterdam is 40k, so I would have to work 100 hours (before taxes or 3 weeks after taxes) to lay down a piece of vinyl in a small kitchen? I would like my $35.00 deposit refunded as I feel that I was misled that the project was affordable and that they wanted to do the work.

I bought a tolet from home depot on [protected] they shipped it on non stop delivery this is now the 10-20-2009 and still no tolet by their tracking number it is now in memphis tn. about 60 miles from me and has been there sence 10-17-2009 now keep in mine this carrier is called non stop delvery thats a joke form indianoplis to cherry valley, ar whitch it has'nt made yet it's take this long home depot said it's out of there hand once it is put on the carrier the carrier said it will try to make delivery by the end of the week which will be maybe. this is poor service by home depot and non stop delivery both that I will never use again and that Others should check them out before buying any thing and having it ship by this carrier.

In the fall of 2004 we went to home depot to by a hardwood floor, and saw many we were interested in. When we decided which one we liked we went to the sales person there and asked how many boxes we would need to purchase for the dimensions we gave them. They asked us a bunch of questions and talked us out of hardwood and into pergo laminate stating that it was virtually indestructible. We have children and they told us you could not scratch this flooring, you could drop stuff on it and nothing would happen, the kids could do anything to this floor and it would keep itself in perfect condition. They also told us you needed to do nothing to maintain it. We were sold right away. We were also lied to right away.

In oct. 2004 we had a pergo floor installed the kitchen, powder room and laundry room of our home. Instantly after they installed this floor I was a little unnerved. I did not like the way they put the molding down, it just did not match. They did not angle it professionally, they had just cut it flush, but I let that go because they gave me a sob story that this is the way it was suppose to be, it wasn't even the same color. Then when they helped move the refrigerator back into the kitchen they scraped the molding which I also let go.

As the months and years went by I noticed that the floor started to separate in certain spots. I went to home depot and they said that would happen when the laminate expands and contracts, once again I let this go. Well now my floor looks awful. It is separated in certain spaces with a significant gap of about 1/8th of an inch at the entrance way to the living room. It is uplifting in certain spots throughout the whole kitchen and the seems are rolling up throughout the kitchen also.

I called home depot several times and was told there was nothing we could do without a receipt. I kept calling and asking for a manager and was told numerous times there was none available and they said they did not know what could be done. I then went in to home depot twice to see what could be done and they told me they could not look up my sale because they do not keep records. I said to them who keeps a receipt for a floor. We expected it to be done properly. I then called the consumer complaint department for home depot and they found out when the floor was installed and said they would get back to me. They told me I needed to call pergo directly, so I did.

It took them a while but they finally sent out an inspector this summer and he told us that pergo should never be installed in the kitchen because it should not be around water. All of our problems were from water damage which I believe is bull crap. How could water damage affect the middle of the floor and the part of the floor that is by the living room and not affect where the sink is, the bathroom or he laundry room. They sent in their report and home depot called us and said they would not replace our floor. I believe that this floor has been installed improperly. I know three people who have pergo and they have not had one bit of trouble with there flooring because they installed it themselves.

I want this letter broadcasted all over the country because I can not get any cooperation from pergo or home depot. I will be calling them again and another news station and if it goes far enough the attorney general, the better business bureau and anyone else who will listen. This is a travesty that we paid $2, 500.00 for a floor and no one will stand behind their product or guarantees. I want my floor replaced and I am getting very impatient with all this runaround.

My wife and I ordered kitchen cabinets through Home Depot in Valley Stream NY in May of 2007. When the contractors installed them, not only were all the measurements wrong, but the cabinet doors were not at all what we wanted. In fact, we and the contractors thought they were damaged but found out that they looked the way they did because they were "glazed". We were never told nor shown what that would look like nor agreed to getting glazed cabinets. We had ordered from the in store samples (which looked nothing like what we got). It seems that he Home Depot salesman took it upon himself to order glazed cabinets. After months of wrangling, we were basically told "tough luck" because we didn't return them within the 30 day warranty period, even though they were not even remotely what we agreed on with the salesman. Also, we tried to resolve this through the local Thomasville representative (the cabinet makers) and she said that it was the obligation of Home Depot to educate the comsumer about the product. She expressed her belief that we were wronged by Home Depot as well. Now we are so depressed and we deeply regret ever redoing our kitchen (not to mention the expense) because it will be worse than the one we are replacing, thanks to the ineptitude and unethical practices of Home Depot.

0% interest for 12 months, 24 months later the job is still incomplete. Guess who's paying the interest rate?

Being charged unfair interest rate for a job that was not properly installed. It took 2 years for the job to be rectified and completed. I was told the interest rate would be postponed for another year but the interest rate continues to be accrued. Now they tell me that the interest rate will not be deferred.

The job was started approximately March of 2006
The job was just completed April 18th, 2008. Today I still have major leaks, the siding warped and popped the trim.

Total cost of job was $27, 343.
Deposit of $8, 202 was taken from Home Depot credit card 2-9-06.
$9, 800 was paid 1-3-07. (job was still not installed correctly.)
Balance was $17, 543
The current balance is $20, 425.77

The contractor they used was unlicensed.
The insulation was wrong.
The house wasn't wrapped.
Siding was not installed properly, used wrong siding.
Siding trim was not done correctly.

Consumer affairs was called. The contractor was found not to be licensed. When Home Depot was confronted about this they agreed the wrong material was used. They agreed to re-do the job and allow me another 12 month 0% interest. They redid the complete job but didn’t allow the interest rate to remain at 0%.

To date I have been charged $2, 882.77 in finance charges and it continues to accrue. I'm getting no help when I call corporate offices for dealing with this injustice of unfair interest rates due to their negligent workmanship.

I'm being charged for their incompetent, unlicensed contractors. Home Depot should be responsible for the time frame it took to complete the job according to quality workmanship.

60" brookdale brushed nickel ceiling fan too slow.
Sku 764-567 upc [protected]. Need replacement part
7058ym-01 rhine. Info provided by home depot.
Please inform about your decision asap. Thank you.

Juan rosario
Urb rexville
Calle 38 be 3
Bayamon, pr 00957
[protected]

Beware of HD credit cards issued by Citi.

I thought something was wrong initially when I would purchase something with 6 or 12 month free interest. While making ontime payments monthly it seems that they have a clever way to somehow seperate your payment into an amount that goes to your standing revolving credit line and a smaller amount that goes to your interest free purchase. But of course you can't tell by your statement with out being a forensic accountant. Them somewhere down the road you discover that you failed to pay off your interest free purchase in full within the specified period so they now ### all sorts of back interest on your interest free purchase. This happened twice before I started paying very close attention to my bill. When I would make a payment I had to go into the store and tell them to apply a specific amount to a certain part of the bill so the promotional purchase would be paid off in time and I would not incur any back interest. Nice scam, huh?

Additionally, I generally carry a very small balance on my card, $100 -$300 and pay my bill on time every month. I have had my card for over ten years. Recently I was one day late on a payment ( $10 minimum - first time) and was sent a letter telling me that my APR was being raised to 30%. Outraged I contacted India to speak to someone at Home Depot/ Citi - I have no idea which company I am speaking with
about this issue. I was told that they could waive the late fee ($39.00) but the standard policy is for my account to be reviewed in six months and if I make my payments on time they would consider lowering my APR again. I could not speak to anyone about the 30% APR screwing I was getting. I waited on the phone for
a good twenty minutes before hanging up. It is virtually impossible to speak with anyone since you end up in a phone cue that sends you nowhere. I am paying off my balance and will never use my HD card again nor will I go to Home Depot again ( I used to go every morning with neighbors and shop- no more) . I have had a much better customer experience at Lowes so that's where I'm going. Good job Home Depot!

I just wanted to share my recent experience with Home Depot that I feel is a growing trend with them. Consistent under-estimations regarding work their ourside contractors can do.

We recently spent about 3 hours at our local Home Depot picking out a new door for the side of our house. The reason it took so long was because they had accidentally deleted our original quote from the system.

Anyway, that was just the beginning of our problems. We picked out a door that cost $126. Standard installation of the door was $285. We thought this was high, but just in case it takes a few extra hours labor, we can see why they might mark the price up.

So we scheduled an appointment for a measurement. We had already measured our door and brought the dimensions in with us. The door measured out to be a 32x80 inch door. Well the contractor who came out to measure spent about 5 minutes here said he would submit the details to HD and we'd be contacted regarding the scheduling of the installation. Well HD calls us the next day... tells us the contractor said we needed a bigger door, and that door would have to be cut down to fit our house. This new door would cost us almost $500. And he also said there would be additional labor to make it fit, so the total cost of getting our door installed was now $900!

I am currently having a different company come out and do the installation. If the new company measures and installs the original door we ordered (32x80), you can bet HD will be hearing from our lawyers. We will be seeking our $30 measurement fee back, as well as time wasted at their store and on the phone with them.

In aug of 09 we ordered special order kitchen countertops for our home. It took 1 1/2 more weeks than they originally told us, however if you look at your work order they put in the first of the month to the last day of the month for them to get your merchandise to you. That wasnt really the problem. When they delivered it I thought it wasnt cut right, it turned out to be fine. The problem was when I got home from work that same night, the laminate was literally falling of the brand new countertops! Now it has been resolved with very little caring for what happened. Ok so maybe it was only $700 to them and not a big fricking deal, but to me, being in the retail business myself, where is the apology and some kind of call from somebody? The one person I talked to said just so you know, this has never happened before, ok yea right! Gee that makes me feel sooooo much better! So, I will never spend any more money there! Apparently, I didnt spend enough for any one there to give a crap!

after consulting to the home depot staffs' opinion about how to clean the sticking paper on the glass door, and home depot staffs suggested us to use the acetone, we bought a can of acetone in the home depot----located at Markham road and Castlemore aveniue in the markham city of Ontario, and we used to clean the sticking paper on the glass door, but a big accident result is our door glass all cracked terribly, and we don't dare to move anything because it is dangerous to fall down all the door glass. we reported to the home depot, and asked them to send staffs co come to investigate.that is a typical service problem.
we need your concern and help.
thanks.

We have purchased kitchen cabinets from Homedepot in Nov. 2007, till present they are refusing to take back nor replace them. We have been at a lost till present. We also opened an credit card thru homedepot and while trying to dispute it the credit card company said to me they are working for Homedepot. I feel the consumer should be aware of this before opening up a credit card from HomeDepot. We have hired an attorney to write a letter and still at still. I would love to air this. We have spent thousands of dollars to eat with our four children. Someone haves to put a stop to this and it would be a dream come true if this could be on TV. please help. I am disabled and have a ill husband. But most of all to go to the court the lawyer wants over 6, 000 as a deposit, that we can not do at this time.

Buyer beware! If you're planning on having any work done by a company called tuff shed through your local home depot, or even tuff shed directly, do your homework and make sure you're not getting a substandard subcontractor and their unqualified help (Which by the way their website say's they don't use those but oh yes they do!) you'll be left with a custom cabin that is nothing short of a custom nightmare with it's crooked walls, crooked foundation, broken truss, leaky roof that creates a huge mold issue, shingles falling off, bucked roof, wavy hardie plank siding, crooked floors, rickety staircase, and oh my the list does go on. They started work on our cabin 11-26-07 and said it would take about 3-5 days initially.. Yes that left us scratching our heads.. But then were told it'd take about 2 weeks because afterall it was a shell.. It's now june 2, 2008 and our cabin still isn't fixed correctly and we are left unable to completely finish out the inside of our cabin. After the first subcontractor did such a horrible job, and 3 attempted "repair" jobs which just made the problems worse, tuff shed finally sent a second crew of capable contractors out here to repair the problems and what was supposed to be a 4 day job turned into 8 long weeks and there are still problems that can't be fixed because it was done so bad in the first place. We've still got wavy siding and bows in the outer walls (Exterior framed walls crooked) still have an unlevel upstairs floor, have a post that sits off the front of the porch by a good 2"because the contractor that had to come fix the shoddy work of the first subcontractor they sent out here said the only way to fix it was to rip the whole porch off and start from scratch. Our foundation, we've got several piers that are leaning and crooked on a load bearing wall.. They had an"engineer"come out to render his thoughts on the situation and he gave them a report on it, which I was told on 4 separate occasions they were going to get that report to me but surprise they never did and when I put them on the spot for it, they conveniently didn't have it with them. Guess what else we've still got a problem with.. Mold.. Yes, mold. We had the state health agency out here to look at the problem initially and do air sample tests which came back moderately eleveated, but the tuff shed person in the longview office lied and said it was less than a 2% contamination.. When I talked to the state agency they said the ts guy wasn't given any percentages and that it didn't go by percentages.. The agency told them the entire roof decking and all had to go, trusses were to be scrubbed down to clean good wood, cellulose insulation had to be reblown on entire tainted area, etc. They were given a protocol to follow by the state health agency and did they follow it? Of course not! We still have a mold issue, tuff shed has had their reps out here off and on and know there was a problem but they didn't seem concerned and still don't. They have done nothing but lie to us, deceive us, and take every cheap alternate route they could find to get out of doing something right and saving a few bucks here and there. I even had a higher up in the tuff shed chain come to our property to assess the cabin and he wanted to know why didn't we call someone before things got any worse than they were and I looked at him and said I did call someone, I called you and you told me you were going to be out within 2 weeks and here it is over 2 months later you finally decide to show up. Yes they did replace our carpet, and furniture, but not without a knock down drag out having to take place to make it happen. They were trying to get"the best price possible"for what they were having to replace and were delaying it as much as they could. Home depot has had one of their reps out here, nice man but haven't really had much success with that either. When these tuff shed people were told what had to be done with the mold removal, they had direct instructions on what to do, afterall they said they were able to do it, rather than send a remediation specialist in to do the job right. They had full instructions and still didn't do it the way it was told to be done and in the process they ruined our brand new carpet, our furniture and several of our other personal belongings. We're still in the process of duking it out with these people because rather than fix the entire mold problem, they're still looking at the cost and they just want to fix a few of the molded trusses.. We were also told that with that happening, the remediation specialist can't sign off on our cabin, we can't get a 100% mold remediation certificate to verify that our cabin is free and clear of any and all mold that was here, which means our insurance won't cover any future problems that could arise, and if we ever decided to sell, it would be near impossible. We've been more than patient and worked with these people to allow them time to fix the problems and they have failed in every way humanly possible. If you are considering doing business with these people, please make your choice wisely.. If you want a cabin, take your idea to a reputable contractor and tell them what you're looking for and let someone who has the credentials to back up their work do the job. I'm sorry I know there's some rambling but just trying to cover all bases and make all aware. After all has been said and done, we're still having to fight with them and they are still trying to squirm out of doing the right thing and are being jerks about the whole issue just because they're ready to"put it to bed". These people have made our lives a living hell on earth and it hasn't ended yet. They have turned our lives upside down and we are not willing nor for one second are we going to be swept under the rug. Make certain you do your homework on whoever is doing your work, make a daily account of the goings on no matter what they are and take pictures of everything! That's one thing that is going to help us, we've got over 521 pictures documented, 2 notebooks full of documentation of daily accounts, eye witnesses to the shoddy work that has been done, and the living conditions we were being subjected to because of these people and their severely gross negligence. We won't even do business at hd anymore because they represent these people.. Consider yourself forewarned.

On 9/6 I went to the Home Depot in Spring Hill FL to purchase a Shop Vac that was advertised on Sale from 9/3-9/9/09. The ad said nothing about supplies limited or while supplies last. I was told that they sold out in 3 hours and do not offer rain checks. While there I purchased ECO SMART CFL light bulbs as I am replacing all of my lights. When I got home out of the package of 4 only 2 worked. I went right back to the store to return. The large lady at the return desk told me that I did not put them in the right fixtures. She also complained that if 2 out of 4 worked why was I returning all 4 (Do you think they would have opened up another package to replace the 2 that did not work?) Finally, she said they would let me return this time only next time I would have to deal with mfg directly. Home Depot was selling a defective product that did not work and they tried to make it my problem. I went across the street to Lowes purchased the light bulbs from them and miracle of miracles they worked!

We ordered remodeling of our bath with "Rebath" through Home Depot and put down $2, 493.18. We were supposed to have work done in about five weeks. That deadline passed but we heard nothing from Contractor and called them and called and called. They didn't return our calls==for weeks.

We asked Home Depot for a refund, they said no. Too late. We finally got in touch with contractor who sneered and said if we didn't go through with the work we could "kiss" our deposit goodbye. We then demanded that Home Depot refund our money. We are getting a runaround from "customer care."

We've spoken to five agents as of now. They all tell us what a shame that we have to put up with this blah blah. But no resolution.

Then, lo and behold, yesterday contractor leaves voice message telling us we either set a date next week for the work or they will keep our deposit. They said Home Depot instructed them to do that.

HOme Depot GIMME MY MONEY BACK. you owe me $2, 493.18. This was with the Seekonk, MA store and the contractor is Chaves in Rhode island. I have r kept all the sarcastic voice mails the contractor left on home answering machine. Home Depot, want to hear how your contractors speak to customers? I can only assume that you approve of this kind of service since you are not doing the right thing by us.

Home depot day by day really going down. Looks like they are not interested in customer satisfaction any more! They used to be really good and quick in their job but now they have really fallen down. They were the best. That is what I thought. But now they have become one of the worst. I used to go to them for everything. From purchasing stuff to home cor to anything they have. But now before I go there I think a thousand times whether I should or shouldn't. The last time I went there I had a terrible experience. I was there without any assistance. I had to look all over the place for what I was looking and I wasted so much time doing that. I could not even find any one around to help me out. I am very disappointed with them. They have really let a true and loyal customer down. I will give them one more chance but if again they fail to impress me then they will lose me as a customer for sure.

Contract April 1 with work to begin on Monday May 4 and to be completed that week .
Showed up a day late 1045AM. worked 4 hours
next day Electrician Thursday 6 hours
cosistently showed up whenever for maximum 4 hours at a time weekly. This one week job is now in its 4th month for a 6x8 bathroom.

Tiles in shower uneven/ not joined, 13 tiles small chips on corner.

Floor tiles uneven

Forgot to use bullnose trim had to change tile design. Chosen tile not suitable for the shower stall-had to change.

Tap and sink not compatible. Contractor had to bend to drain pull to work drain. Decision was made to remove drain stopper completely since it was too difficult to use ( no drain plug).

Caulking in bathroom not paintable. Has to be removed in order to repaint bathroom.

Electrical outlets mortared / caulked into the wall. Mortared outlet, l chipped out and replaced.

Bugs or dirt in ceiling fan light since installation.

Electrician holes in ceiling, l repaired, still needs to be painted.

No Door thresh hold- called back contractor. Installed cheap metal strip

Contractor did not know what or how to install water diverter on shower to allow shower or hand held unit. Installed a toggle switch on shower head and connected hand held unit. Wife is 5'2" tall-cannot reach toggle!

Lost heat register.
Lost caps for toilet screws. Told at Home Depot that they are a special order.

This is the best part ...Glass shower doors installed on Thursday July 16, told by glass installers not to use for 48 hours to allow caulking/silicon to cure.

Wife took the next day off work to clean up the construction mess/dust.

Saturday wife had Ist shower since May 4 in the new bathroom for 20 minutes. All drain water poured through the textured wallpaper kitchen ceiling and light fixture .Flooding the kitchen.

Called contrcter, left messages on cell phone and home telephones.
He called back and told us he was on a weekend holiday and wouldn’t be back until Monday. We were told the drain was working perfect when he installed it.

Called Home Depot (Kitchener west store).

Put in touch with regional manager, who in turn called in assessor to check out damage-told us not to call insurance company as Home Depot would take care of damage.
He in turn called in cleanup crew who arrived at 900PM -1130Pm and built a containment room in our kitchen, complete with industrial de-humidifier and blower. Both ran until Monday morning when cleanup crew arrived.

Contracter arrived 10:00AM cut out our bedroom wall and cut out our new textured wallpaper kitchen ceiling . Tapping electric light switch and removing light fixture.

Contracter repaired and repainted section of drywall that was removed.

Kitchen ceiling was repaired and wallpapered with rolls with grease on the sides. Paper not joined together .Told they were not as good as the original installer at matching up.Must be replaced with clean rolls and put up properly.

No light or power in Kitchen since July 18.
Contractor was to return on Monday August 17 . No show! I have been available every day since May 4 . Showed up whenever for a maximum 4 hours once or twice a week.
Complained in writing to the Home Depot manager in person with 2 copies of this letter yesterday morning. No reply-total lack of interest or responsibility on behalf of Home Depot.
Consumer beware. Deal with local contractors only with references, stay away from Home Depot for they're contrctors.

I purchased 3 Hampton Bay Courtney Ceiling fan in Bronze for each of my childrens bedroom. Within the first month the globle fell on my 11 yr old head. Busted in serveral pieces. The light bulb it self has been replaced 3 times already they just keep going out. Home Depot did replace the globle for free. Now in my sons room same thing the globle just came off and busted into several pieces on my sons floor. I contacted home depot asked them if they were a defected item or there were any recalls on these fans. They stated no. So I contacted home depot headquarters she called hampton bay. There co. contacted me and said they well be sending me 2 new globes as well as 2 new light bulbs free. Haven't seen anything yet and we are going on 4 months now. There are crap ceiling fans and very dangerous to put into a childs room.

Purchased LG refrigerator in 2007 and have had repeated problems with it overheating. On 8/6/2009 I discovered that it was starting to burn the area around the interior light bulbs. From this, I realized that the interior bulbs were staying lit even when the doors to the refrigerator were closed. All of the food in the fridge was hot and if I had not been home, the fridge would have caught on fire because the area around the light bulbs is black.
Also, if you like ice in your drinks, don't buy this fridge. It takes 2 full days to fill the ice bin, and when it is full of ice, it malfunctions and doesn't automatically shut off the ice maker. So, this is something you need to monitor at all times to make sure you turn it off when the bin is full and then remember to turn it back on after using the ice supply. I purchase several bags of ice weekly so you can definitely see that it is not superior in the area of ice production.
I've spoken to a representative from LG on 8/6/2009 and he said he needs up to 5 days to locate someone in my area to service my refrigerator. It is now 8/12/2009 and I have still not heard from LG.
On 8/9/2009, I visited The Home Depot in Harrisburg PA where I purchased the LG refrigerator and The Home Depot's Extended Service Plan, and a representative said that someone from the store would contact me the next day. On 8/11/2009, after not receiving a call from The Home Depot, I phoned the store and the representative said he would call me right back after finishing with another customer. Never received a call back. Today, 8/13/2009 I again phoned the Harrisburg Home Depot and also called the Extended Service Plan again and after a week, they are still trying to locate someone in my area to service my refrigerator. I reside 35 minutes from the Harrisburg Home Depot and they tell me that I live in a remote area, this is the reason for the delay in my service. I spoke to a representative from the Extended Service Plan today and she said that she cannot guarantee when she will locate a service agent in my area. When I asked why I was sold The Extended Service Plan for my area if there isn't an agent in my area for service, she said that they have no control over ensuring that there is a service agent in every area of the country. When I asked when I could expect a call back with a scheduled time for service, she replied that she could not promise me anything and hung up on me! I paid $ 2, 442.33 for a refrigerator and purchased The Home Depot Extended Service Plan, and after a week, I still do not have a scheduled appointment for service and they repeatedly tell me they are still trying to locate a service agent.

Before we begin... The lesson I learned, is to back away and say no to any finance offers from americanfinco!

I purchased a rain soft water treatment system from a company called jargo group of companies, llc, aqua squad, 6905 villa del rey court, springfield, va, 22150. The jargo employee offered me financing through americanfinco, which I was told at the time was a high interest rate of 19.99%. I asked the question, "if I pay off my balance when I receive my first bill, will I be charged interest?" I was told if I paid off the "total new balance" that I would not be charged interest.

I paid my bill before the due date, which was 07/29/2009, and paid the amount indicated in the "total new balance," which was $4, 990.00, mailed the check on 07/24/2009. Note: six days prior to the due date.

I started receiving calls on 07/29/2009 from americanfinco stating that they had not received my check and the pay off amount was not the amount that appeared on the bill in the "total new balance." my first question, how did they know how much I wrote my check for and that I owed them additional money if they had not received my payment/check? My second question, why are they holding my check? I was told "that as of the moment I was speaking to them I owed them $60.00 additional for finance charges." I asked "how I could have finance charges if I paid my"total new balance"and mailed the check six days prior to the due date?"

Perhaps americanfinco is holding my check to charge interest on a much larger balance... If americanfinco didn't cash my check and state that american finco never received it, perhaps because americanfinco felt it was the incorrect amount?

Here's the math... My "total new balance" appearing on my first and only statement = $4, 990. Americanfinco states that I owe an additional $60.00 for finance charges accrued daily between the time I signed up for financing with americanfinco and the time americanfinco receives my check, which they claim not to have received. With a grand total of $5, 050. If they cash my check my "total new balance" would have been $60.00 and the amount of daily interest on $60.00 is a whole lot less then it would be on $5, 050.

I was told many different things:

1. That I owed the amount in the "total new balance" box ($4, 990.00) and the amount in the "total minimum payment due" box ($100.00), totaling $5, 990.00. Who has ever heard of that?!

2. Then I was told that from the day I signed the financing papers until the day americanfinco recieved my payment, I was being charged interest every day. That bit of information was never verbally given to me... Even when I asked the question, "if I pay off my balance when I receive my first bill, will I be charged interest?" I was told if I paid off the "total new balance" that I would not be charged interest.in fact, when I asked the question, I apparently was given incorrect information.

3. I confirmed that my current pay off was $5, 050.00. So, one would think, if I mailed them an additional check for $60.00 I would be paid in full. Wrong... I would be charged interest everyday between now and the time americanfinco received my bill. Which would result in still a new "total new balance" for the days between the time I mail the check and the time americanfinco recieves my check. Which would result in a new "total new balance." how convenient, they just keep making money day after day, I guess unless I drive out to evensville, in and drop off cash, I will continue to have a "total new balance." it is funny how they never took the time to volunteer any of the specific details that would enable them from collecting funds fraudulently.

I called americanfinco, I proceeded through their phone system... Push one for english... Push one for account balance... The recording stated that my account balance was $4, 990.00, not 5, 050.00 or any other number. Oddly enough there was no option for "pay off amount." how convenient, everyday that goes by that americanfinco can make it next to impossible for you to know what your "total new balance," oh no I mean my "pay off," I sorry, which is it... I is so not clear... Which is exactly what they were trying to accomplish. Americanfinco's ability to manipulate is quite lucrative, more money in their pockets. Clearly, they have some pretty deep pockets they are fraudulently trying to fill!