Home Depot has sent me two different credit cards and for some reason never sent me any bill regarding a balance of $16.02. By the time they applied the $16.02 to my Citibank card and it was unrecognized by me so I did a stop payment on it. By the time I figured out what the charge was, and on my account it was on Citibank would not release the $16.02 to -home Depot and therefore the charge became a late charge. I called Home Depot and explain the situation and they reported it as a late fee anyway. This has resulted in my FICO score being reduced substantially and I am very annoyed. I would like -home Depot to reassess the situation and remove any derogatory information about this account.