CitiFinancial Servicing review: Reneges on payoff agreement 93

I bought my car 2 years ago for 15500 i have paid on it for 2 years 9200.00 and my husband was laid off in oct 2017 and we have struggles we have been promised lower pay payments would mail paperwork never recieved we was promised deferments and they was put back on they just repo it and we call next morning and was told had to call another number that dosent answer i called 4 times held for a hour 15 min, then 45 min then 1.45 min and 2hours and 9 min each time left a message and the recording says hold may be 30 mins or longer and will call back within 24 hours it has been 48 and no call back was told my payoff is 15300.00 what the hell have i pd 9200.00 on they dont want to help anyone but they sure took government money to bail them out what can i do .

i gave my 2017 dodge mini van back in chapter 13 bankruptcy.citifinancial claimed in court that i had borrowed 24, 999 when in fact i borrowed 15, 800 .24, 999 would of been the pay off if i would of kept the van and through citifinancial at the current finance charge but they even got the van back sold the van and got that money and the monay i paid them till i gave it back in the bank ruptcy and marked it on my credit report as me owing them 24, 999 and made it look like that is how much i borrowed instead if the 15, 800

I have had nothing but problems with this company since they financed my car through the dealer in January of 2017. The biggest issue is them not processing payments when the receive them or claiming that they did not receive a payment, then "finding" it two weeks later, which of course means more fees for them. I finally gave in and set my account up on automatic payments only to have them take out the same payment twice in September 08 AND October 08 for a total of $1600 in two months! This caused a ton of fees from my bank which they say they are not responsible for. It took two months to get them to refund the extra $800 they took only to have them charge me a fee to do that! The customer service agents are the most rude people I have ever sponken to, they will barely give you their first name, never their last and even the managers are awful. I have had to close my bank account twice now because of them taking unauthorized payments and now they have done it again. I mailed a check to them Tuesday from Virginia and they presented it to my bank Tuesday. I of course did not have enough money in there (my check is DD Wednesday) but my bank paid it anyway for a "small" fee. When I called them today to inquire how they could possibly have the check I put out in the mail the same day I mailed it even though they are five states away I was told they could process payments when and how they see fit. It was presented to my account as an auto draft and they bank says that I will have to come in and close my account and open a new one (gain! ) to keep them out of it. The manager at my bank sugessted I take to paying them by certified check or money order so they do not have any banking information on me. I still can't believe that they think it is okay to take you information off your check, keep it on file, and use it to take their money when they see fit. Every single time I call them I am placed on hold, interuppted, and spoken to in an extremely rude manner. It is to the point that I would rather they take the car so I do not have to deal with them. And I have never been late with a payment! I can't imagine how they treat those that are. GRRRRR.

I purchased a truck and received financing through citifinancial auto. I mailed in a check for my monthly payment and they posted it for 200 dollars more than what was written on the check. I have contacted them several times and I was always told someone will call me back. unfortunately no one ever called back. I also had one supervisor hang up in my face and one yell at me on the phone. When I wanted to speak to their superior they hung up the phone. I think there should be an number to report horrible customer service so these people won't think they can treat paying customers any kind of way. Also i have yet to receive my money back and no one is try to admitt they made a mistake or fix it.

This company has a reputation of constant harassment even if you make an arrangement to make a late payment on auto loans with late fee charges. They usually blame their electronic communication devices which people have to talk to without feed back or asking the right question in order to get the right answers for some issues that a machine can't answer. some of those annoying and harassing calls comes in late at nights and between 7 and 8 mornings. I work nights and sleep in the day time due to job schedule change. I explained the situation and firmly emphercised that no one should call my house at that time of the day when I am just about to sleep. If I don't sleep as required by nature my job will be on line since employers do not tolerate employees to sleep on the job..especially when you work as part of law enforcement.

September 6, 2017. I made my payment through phone with my ATM card. I attempted to talk to some one in order to up date my account to no avail. All their communication telephone lines are electronically programmed and limited to what they recorded for you to hear and don't ask questions. How can some one resolve issues or problems when you are barred from talking to real people? What kind of business is this who can't serve their customers right? May be, BBB will be the best answer including the FCC. I need some answers why, Why, Why all this mistreatment?

I was paying my auto payment and sometimes late. I requested a payoff and was surprised as to the amount. I pulled an account history and found out they were adding insurance premiums to my balance which increased my payoff. There were times I did not have insurance and I was paying to the insurance company a separate amount for it and also paying my loan. Is it legal for them in Maryland to add to my loan amount thousands of dollars for insurance?

I am so glad I looked at this website today. I have had a loan with Citi for two years and every time I have to deal with them, I think, "What idiots!". It doesn't make me feel too great knowing that idiots are controlling my car loan and have my personal and financial information. I receive 10-15 automated calls a day even when I have already set up a payment. This costs me money! Also, I have been told many different things regarding the phone fee, including that the fee applies to the principal balance, applies to interest, is only a fee that they pocket and that it is not charged if you are on an automatic pay plan. The customer service people are rude, not helpful and often do not have answers to questions. Is anyone actually running this company? I am trying to get a new lender but in the current economic situation, it's not so easy. Looking for a lawyer. I think we have a good shot at a lawsuit.

Citifinancial keeps taking out my car payment after I traded in the car and the dealer has sent in payoff, I have contacted citifinancial and they claim they have not gotten the payoff I signed papers over 33 days ago and have a new car but they keep taking the car note out of my checking account and I can't get it stopped today, according to my lawyer I have to close out my checking account of 16 years to stop them from taking out the payments and file legal actions against them to get the money back the dealer Rick Hendricks Chevrolet where I bought both cars and GM has been no help or support to me in this matter and calling citifinancial is a joke I can't get anyone on the phone that speaks English that you can understand.

I am feed up with Citifinancial Auto and sick of calling INDIA! it's like talking to a bunch of idiots who have scripts to read you! I paid my truck off, they received the payment on 1/7/10. These idiots told me i am not getting my refund mailed out until 1/29/10. they need 15 business days to confirm if there company received the funds properly? I had the dealership fax them over the cancelled check that they cash and now they are telling me i have to wait at 48 hrs for them to review this. I JUST LOVE OUTSOURCING! their customer service has everything to be desired. When I asked to speak with someone in the United States, they informed me they don't have a customer service in the United States. I wonder, did we bail these ###s out on Wall Street, too? I also have a HD Card with them, that's being paid off and called. F Citifinancial/Citibank.

I took out a loan for a used huyndia at Bill Dube Huyndia in 2017 for the amount of $12, 303.40 with Citi financial auto. I have had many expenses with this car example (a new motor) amougst many other things but I have also had to continue paying for this NEVER Ending bank loan. I requested paper work from Citi financial on how much I have actually paid for this car to date- The paper they sent me I needed to get a magnifiying glass to read- but upon requesing another more ledgible copy they finaly complied. At any rate bottom line is I purchaced a used Huyndia for12, 303.40- with 1, 000.00 down.My interest was at 19% (so I thought) but appently was actually 23%. My payments are 295.19 per mnth- I have been paying this since 06/30/2017- So to date I have paid citi financial $13, 590.00 ( which is more than the origonal amount and my pay off today is $8, 463.29. If I continue paying at this rate mypayment is$295.10-$139.91 goes to interest- for some reason I think this is better than what they were doing. As I review regular past payments I am seeing many different amounts in all colums- example-(regular payment on 1/17/2017)-$295.19--principle $54.53- interest$235.76. There is absolutely no consistancy or explanations with any of the amounts paid- or interest /late charges. I could not figure this out even if I tried. I also am friends with a postal worker - I did an experiment with her ( my due date is the 13th of every mnth.- So I mailed my payment at the post office 15 days prior and was still accessed a late fee.Citi financial told me I should pay by phone for an extra $15.00 to insure my payments were recieved on time. This is a scam- I belive if I pay them as supposed I will have give them in the area of 27, 000- for a $10.000 Huyndia- this is what I was suppose to be borrowing.- But after putting 1, 000.00 down my loan still ended up to be for 12, 303.40 ( I have no clue how that happened either.I have contacted them many times due to this problem and have many documents- I will send the first round of what they sent and the second. Can somebody please help with this- I feel as if I am being held hostage with this car- I don't know what is worse the car (and it's many expenses to keep it in working condition) or (the loan which I don't think I will ever be able to pay off) Please help!

They are taking my money and my payment coupons are not right. I owe 350.00 a month and over pay everymonth. Now they want 566.00 this month...they tell me it is because I over paid last month...DUH...how does that make my payment higher...? The fact that I have been over paying for over a year now I figured I shouldn't even get a bill...and they tell me I have over paid only 200.o0 and now they want MORE...The girl Kim says I can not talk with anyone else...She was the only one on the floor to help me and she has no idea on any of this...THEY SCREWED UP AND I want some answers...I will never use citifinancial again if this is how we get treated.

Lynn

Don't go with citi financial auto they are crooks and liars! I'm a military spouse and my husband has just deployed to iraq i'm paying 19% on my car loan he was not on the loan at the time I bought the car but is the one who makes the payments, I explained this to the company along with my concerns and was told as long as I fell out the paper work to add him to the loan and send in his orders we would be at 6% rate. I did everything I was told to do by the supervisor but now have been told they won't give me 6% rate. Why is it if I sign a contact I have to abide by the rules but a company doesn't have to follow the same rules? Not only that but this company has contacted me on 4 different times at 7am and I know that is against the rules to! Why to the big bad companies feel they can get away with this! We are the ones who keep them in business! We need to take a stand and the companies should have to stand by their words...

I obtained a car loan through Citifinancial in December of 2017. In the 4 months I have dealt with them I have had nothing but HELL. They give me 4 different answers each time I call them. Now they have deducted my checkiong account for 2 payments and I have incurred $150.00 in overdraft charges at my bank. I had one person tell me to get a letter from my bank on their letterhead stating my account was drafted 2 and the amount of overdraft fees. Now they want a copy of my running bank statment. I have 2 weeks untill I get paid again and they tell me that it will take 3 days to approve the refund, plus another 5 days to process and then they will mail a refund to me. I told them that if they could draft my account they could deposit it in my account and they stated they can't do that. They tell me they understand my situation but they are not the ones without any money for gas, food or utilities for 2 WEEKS! I cannot get to anyone at this company who seems willing to help. Beware of Citifinancial Auto.

I have had a car note with Citifinancial Auto since November of 2017. In that short time a lot has happened. I ended up losing about 1/3 of my income. My boyfriend lost his job and I've been staying on top of everything...rent, car, utilities...everything is being paid by me and my job where I make less than $2k /month. I have never been with a company that treated me more like a criminal than a customer. Citifinancial Auto consistently is rude, mean and harrasses me on a daily, sometimes 5 times daily basis. I have not gotten more than 30 days behind on my payment which I think is pretty good considering, but Citifinancial Auto has to let me know on a daily basis what a loser I am. They call all the way up until 8:59pm. If I would have known this is the way they handled business, I would have never even bought this car. I feel like I am a pretty responsible person and I'm doing the best I can, but Citifinancial Auto wants to make sure they try to brow beat me into paying them. They tell me that because I'm late that I'm on their "dialer" which automatically dials me three to six times a day. Even if I answer and explain the situation and give the actual date that I will be giving them more money, they still harrass me EVERY DAY! Their employees are, for the most part, RUDE, MEAN, NASTY. They yell at their customers...I actually had one guys tell me to "Please SHUT UP". I have spoken with two people there who were nice and respectful, but that's it. This is by far the worst company I have ever had the misfortune of dealing with. Save yourself the trouble and go ANYWHERE but CITIFINANCIAL AUTO. THEY ARE THE WORST. If this is how they treat somebody that is only one month behind...I wonder what it's like for people who are way behind.

My husband is military and recently we got stationed in Germany when shipping our car that we had a loan with thru Citi we asked what we needed from them to ship the car to Germany.. they told us just to fax our orders.. so we did... we went to ship our car.. but couldnt b/c citi wouldnt approve it to be shipped b/c now they needed about 5 other papers... we sat in an office 6 hours away from home.. to try and ship our car that day.. citi promised as soon as they got the papers they would approve it.. well 4 hours later.. they still wouldnt approve it.. no one spoke good english.. and even though i knew i was talking to different people the each time.. they all had the same name.. we werent able to ship our car that day.. it couldnt be shipped until the next week.. when citi finally got around to "processing" our paper work.. a 6 hour trip wasted..

We are air force and after we finally got our car to germany.. All our bill dates changed.. So we asked citi to change our payment date to the first of the month instead of the 23rd... The said it was fine.. And they cancelled our payment on the 23rd and our next payment would come out on the 1st of the next month.. We have our citi payment coming out of our state side bank along with our car insurance.. We have an allotment that goes into that account on the 30th of each month enough for each of those two bills.. Another reason for the change.. After letter citi know this and getting a confirmation number that everything was taken care of.. We went about our business.. Well a few weeks later.. We realized they took out the payment on the 23rd still.. And a payment on the 1st.. Which brought our account negative.. Which returned our insurance payment.. 190 dollars in fees.. We called for them to fix it.. But they needed a statement.. Understandable.. The lady told us she sees they took out an extra payment but now it shows that we dont owe a payment for two months.. So we could just leave it and they could just pay back our fees they caused.. Which was fine.. Then.. I get the bill.. A bill sent after I spoke with her.. A bill showing both payments that were made.. And to my surprise it said we owed another payment in a few weeks.. The lady lied.. ! And if I would have believed her.. I would have had another fee on my darn account.. Every time I talk to someone different at citi.. They say the opposite of what the last person I spoke to said.. I hope this company goes down in the recession.. And the ceo looses everything he has for running such a terrible company.. Obviously he is not concerned with keeping his people happy.. Every time I have to talk to these people it is about a problem they have caused.. Or can not fix.. I have dealt with including worked for many top banks.. And this one is by far the worse one I have every had to cross.. And when this car loan is done.. I will never.. ! Never! Deal with this low bank ever.. Again in my life time..

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To the person that works for Citifinancial Auto who claims that the company works with customers. I read your post on the complaints board regarding Citifinancial Auto and every one of these people have a legitimate complaint about a company you seem to have NO clue about. I'm sorry but I have sat on the phone with my sister, who is a Citifinancial customer, and listened to one rep after another say the matter has been taken care of and the account is clear. My sister pays her loan every month ON TIME via wire transfer. The company calls us I'd say an average of 4 times a week asking us to call them telling her her CHECK bounced.. check? She pays by wire transfer thru Money Gram, if it bounced it would never have gone thru in the first place, then they argued with her that she sent in a check which she did not. Five times we've worked with the same person to "correct" the lapse in insurance error claiming she has insurance and it only lapsed one month and she paid the one month as instructed by yet another CSR, they told her that she needs to pay $87 dollars now then an additional $87 dollars with her next payment which she did. Then they send her a letter claiming she now owes over $1400.00, when she calls she's now told she owes over $1500.00 from the date of the letter it's gone up $100 in 1 week? Then she gets another letter stating that they've credited her back the $1700.00...$1700.00? WTF last week it was $1500.00. So she figures she's all clear and continues making payments as usual, then her freaking car gets repossesed. So before you go around saying that unless you are 100+ days past due they won't repossess your car then you're delusional. She is current with all her payments never missed a payment yet she still gets harrassed, sent to 3 different people WHO DO NOT MAKE NOTES IN THE COMPUTER BY THE WAY, because if they did we wouldnt' have to sit on the phone for 2 hours retelling the story 3 different times. No notes are made nothing stating that she was told to make the $87 dollar insurance payment or the next make up payment. And the rep tells her to get her insurance company to "back date" the insurance coverage to show she was covered for that one month when she was not. She tells them "that's insurance fraud, I'll pay the one month." What kind of advice is that to commit insurance fraud?

Last year my sister signed up for help with her payment while she was unemployed. She paid it like she was supposed to then they called her up after she finished and stated she paid short for the last 6 months and why was she only making a payment of $200. When she told them she'd signed up for the discount payment for six months they said NO YOU DIDN'T. She even faxed them the paperwork she was sent regarding the discount payment to show them and had even asked the woman that offered it to her if she needed to "sign" anything and she was told NO. Yet they have NO RECORD OF THIS ONCE AGAIN?

You really need to get your head out of your butt if you think that Citifinancial isn't lieing to their customers and scamming them along the way, I've sat on those calls as a WITNESS to what the reps are telling my sister because she got tired of being told one thing then something totally different from another rep who had no clue what transpired previously. I work in the customer service industry and your company has a lot to learn about customer service and making customers happy.

This is the worst company I've ever had the misfortune of NOT dealing with, if I decide to get another car it better not get financed by Citifinancial because I will walk from the deal and bicycle if they are my only option. Who the hell wants to be harrassed weekly when you are making your payments on time?

Not once did I EVER hear from my loan company when I had a car loan, the only time I heard from them was when I paid off my car and they sent me my title.

Don't want to repossess your car my ###. They credit her the insurance charges back she continues to make her payments monthly thinking all is well and yet your company still reposessed the damn car.

I suffered a total loss of the financed vehicle on September 6th, 2017. After 2 months of waiting for the GAP insurance company to confirm whether they would pay or not I contacted Citifinancial for help in getting the insurance company to at least answer my call.

I was told not to make payment until the matter with the insurance company was resolved. Further attempts to defer a payment or make payment arrangements while waiting for the insurance where met with the same 'we can't do anything until the insurance company contacts us' Meanwhile I kept receiving late payment letters and phone calls constantly.

When the insurance finally faxed confirmation of the denial of claim, I again tried to take advantage of the wonderful options offered to me by Citifinancial on the letters I was receiving for being over due. I explained that I wanted to take option 4 which was to take the $9000 left after my primary insurance company paid them and spread it out over the remaining life of the loan (3 years).

I had called the payment center, I was told to call the insurance department, the insurance department said they had no idea why I was told to contact them and my call was transferred to the recovery department. The recovery department said I should have spoken to Payments, I explained I had, and they gave me another number to call. This went on for 2 hours.

After all that time I spoke with no one that was able to help, inform, or in any way be helpful. And the late payment phone calls and letters continued. All this after following THEIR advice to not make a normal monthly payment until after the insurance company has paid the claim.

Now, unemployed and without a vehicle they want $4000 in payments plus fees immediately. Every time I call the company my call is redirected, bandied about, and sometimes even disconnected. They've acknowledged that I was told to hold off payment until the insurance companies had paid but, they won't help me begin to make payments to them now that I want to eliminate this debt just not all at once. And they won't accept one months payment to get things on schedule or remove the fees their advice created.

After 6 months they have reported my account past due over 120 days on my credit report AND sent my account into collection. Wonderful costumer service.

I was behind on my payments for the month of july and halfway through august when they took my car. I made arrangements to get my account up to date, after paying I received a call back from the office manager telling me what I needed to do to get the car back. I had to pay Citifinancial $350, she was unable to itemized or tell me what these fees were exactly for. She then also informed me that the car was taken to an auction and I had to make arrangements with them to pick up the car. When I contacted them they informed me I had to pay them $200 to get the car. This all added up to over $500 on top of the late fees incurred for my late payments. This is in my opinion robbery and abuse from these big financial firms. They already charge an outrageous rate to lend money. To repossess a car for two month late payment and incurr $500 in unknown fees is outrageous.

I have been financing a truck through Citifinancial Auto since Dec. 2017. In June or July of 2017, I did not carry collision/comprehensive insurance because my insurance company wanted $1400.00. Citifinancial Auto added the insurance on to my monthly payment. It was $84.00 for the insurance added to $293.77 for a total of $377.77 a month. In January of this year, I switched to State Farm Insurance and had full coverage which included collision & comprehensive at a cost of $148.40 per month. The insurance information was sent in to Citifinancial Auto's Insurance Department in Pennsylvania. But when I got my Febuary statement, I found that not only was I still being charged a "CPI" monthly payment, but now it was $118.88 added on to my regular monthly payment. I have called them numerous times about this and even had my insurance agent fax them another copy of my insurance. One rep that we talked to told me that it had been taken off, but I am still recieving statements showing $118.88 due. I have paid them a total of $1944.36 from Feb. thru July 27, 2017. My regular payments from that period totaled $1762.62. I am still recieving phone calls about my account as of this date and my online statement is showing that I am 11 days past due for July. I sent an e-mail yesterday about everything that I have written here and requested either an e-mail response or a written letter. I have even been online requesting a payment plan that they offer, and everytime I fill the form out and submit it, it tells me "due to the information you submitted, you do not qualify for a payment plan". I have a personal loan thru Citifinancial, which is a "sister" company of Citifinancial Auto, and I have been able to rework my loan with several times to get a lower payment. And I can talk to them in person and get a better response than I do from Citifinancial Auto. I asked if I could make my truck payment thru them and I was told that they were not setup to take payments from Citifinancial Auto. They said that was being worked on, but that has been going on for at least a year now. I hope that someone who works for Citifinancial Auto reads this complaint and can reply to it.

Citifinancial Auto is a nightmare for everyone i've talked to so far. Here's my story:
in july of 2017 i called citifinancial to arrange payment on a past due payment. I wuz OFFERED a program called a "deferral". which was then explained to me that it means this: they will give me two months with no payments and move the two payments that i was behind to the end of the loan and i would owe my first payment starting back in october of 2017. i was told that i would be getting a three month deferral meaning no payment until october. well, in september of 2017 i got a statement saying that i recieved a TWO month deferral and my payments were to start back in september of 08. i called citifinancial and talked to a manager again, and they told me that they must have made a mistake, they apologized, said that they would be sending me a NEW confirmation letter, and that everything was fixed. i said thank you, he said your welcome and we hung up. well, in october of 08 i got a bill saying i owed for SEPTEMBER AND OCTOBER. so i called again. this time the manager "informed" me that there must've been some mix up, and i waz told wrong information. that thier company policy will only allow for me to have TWO months at max. i was also told (in a previous conversation with a different manager) that i was entitled to 8 months total over the entirety of the loan. well the manager today "informed" me that there are all kinds of stipulations that i wasnt told before. such as: if you have payed for six months, your entitled to two months max, payed for a year, entitled to four months max, etc. then he proceeds to tell me that "his records" show that i havnt talked to anyone since august and they "supposedly" told me that i was only entitled to a two month deferral, when this simply isnt the case. so basically i am stuck owing the same amount as i did when this whole thing started and in a WORSE money situation than i was then because of someone TELLING me one thing and DOING something else. and they say that this is all legal because they sent me a confirmation letter telling me that i only had a two month deferral EVEN THOUGH they "supposedly" fixed the mistake that was made on thier parts, and now I am to be held responsible for THIER mistakes. He basically tells me Sorry for you... Shouldnt someone hold THEM responsible for THEIR actions? i mean, after all, ive alwayz been held accountable for MY actions all throughout my life. Or am i to be one of the many (im sure) "scapegoats" for thier mistakes and lak of orginization? So in the end (of course) big corporation wins, little "peon customer" loses. his attitude was "sorry about your luck"... any suggestions anyone what might be able to be done about this? im at a loss... tazmaniak24_06@yahoo.com i STRONGLY suggest that NOONE EVER uses citifinancial auto... When i informed him that he should be a little nicer to the customers, he said..."We did YOU a favor by giving you the loan in the first place"... talk about costumer service... so after three months of being passed back and forth from one "branch" to another (that obviously doesnt communicate with each other) i'm now bak at square one, only now a corporate a**hole is sitting bak and laughing his snotty little butt off, at my expense for their mistakes...

In September 2017 I refinanced with Citifinancial Auto in order to lower monthly payments. I spoke with their loan officer Mr. Thomas. I told him that when I purchased the vehicle I had bought 3 other packages with it including GAP insurance. I asked if every thing would transfer and be the same on the new loan. He assured me it would all transfer. In April 2017 I had an accident. I swerved to miss a deer and struck a tree totaling my vehicle. My insurance company STATE FARM did very well. They handled everything quickly and fairly. They sent Citifinancial a check. When I called Citi about the total loss they then informed me I had NO gap insurance. I was very upset. Had I known I would have purchased GAP thru State Farm. I spoke with over 5 different managers (I have all their names) who told me it was too bad. One said "Sorry about your luck". I couldn't believe it. I got the number of the home office in New York and was told they would do a presidential inquiry. Two days later a gal named Amanda called me and said they could possibly do an amendment for the balance which was approx 8000 dollars. This would only decrease my payment and extend the loan. I was very upset because I was lied to over and over again. I was unable to find a dealer who could roll over that amount of money into another vehicle. So I called this Amanda back and was told that maybe they could do a settlement for a little less money but she couldn't tell me how much and that the total would be due in 2 weeks if I did that. I explained to her that I had spoken to my attorney who stated I had a very good case. He has advised me to fight them and not pay them another dime. I had every reason to believe that I had Gap Insurance. The kicker is when I spoke to Mr. Thomas 3 days after I found I didn't have Gap he remembered the conversation and said he really just meant my warranty transferred. I AM NOT STUPID the warranty has nothing to do with the financial end of the loan. That is thru the dealer. I am very upset that this company will not do what it says it will do. I also own a business and would never treat one of my customers this way. I stand behind what I tell my customers and what my employees tell my customer. What happened to honest and fair companys. I will never deal with them again nor will any of my family or friends. I tell everyone I know not to deal with them. I have registered complaints with the BBB and the Attorney Generals office. I hope Citi steps us to the plate and does what is right.

I have my auto financed through this company, as of january 2017 i lost income of 400.00 a month, i applied for an amendment to lower my payments as i could no longer pay the 420.00 a month. After two months of having to submit info twice, never getting a return call, only getting persons voice mail each time i called which half the time i could not leave a message as his mailbox was full. I was denied the amendment because i do not have enough income. Well if i had enough income i would not be asking for an amendment. They didn't even call me to tell me this i had to call them. I tried to call the department that does the approvals and denials to see what other options i had,but once again all i got is a voice mail and no return call. I'am now forced to voluntarily turn my vehicle over for repo.

I too have fallen pray to their lies! I am a disabled single mother of 2 and I lost part of my income and asked back in April for a Hard Ship loan adjustment (this is to help lower the interest rate which lowers the payment). I was told that since I made March's payment and was current then I could apply for the hard ship and to fax them my income information, did that. Then after several phone calls to them, I was told no decision was made yet and that I MUST have a fax number for them to send me the documents to sign, once approved. I explained that I only have the local library to fax from and that they will not take incoming faxes, so if they would overnight me the papers I would fax them back that day and I would also send the originals overnight to them as well, all at my expense. Made several phone calls and left messages for someone to call me back, no one ever did. Well then May came around and I finally got a call from them! The call was regarding Aprils car payment and when can I made it? Confused, I explain about the amendment and that I had left messages and hadn't heard anything so maybe they could tell me something. Again I was told no decision made yet and I asked for a live manager! Again I explained the amendment and she did tell me they needed more information, an expense break down, so I gave her the information. (I even faxed everything to them again so my bases where covered.) Now while I was on that call the manager also told me that they wanted to defer 2 payments, Aprils & Mays, so my loan would still show current while they were making their decision. I waited a few days and called them again for their decision. Again they told me I MUST have a fax number for the documents to be sent for me to sign and again I explained the whole fax thing and was told she would note it on the account so the documents would be sent overnight. Great! Finally this is all taken care of! Several days went by and no papers. Worried, I start making calls to them and no one knows anything now, so I left several voice mail messages again for supervisors (who never call me back). I spent the rest of May and all of June making calls and leaving messages. Well then July comes around and they called to ask for my payment for June, which I didn't pay yet and was a few days late so they would have to call me. After I explained the past few months to the man on the phone, I asked to speak to a manager. Now once the manager got on the phone I again went through the whole story: April - asked for a hard ship loan adjustment & faxed information; May - manager finally tells me they need expense information & that she deferred 2mths in payments; June - no one will tell me anything. Now this manager processed to tell me that they denied my hard ship request because I asked for the 2mth deferment on payments, it canceled out my hard ship request; I can't have both. ARE THEY SERIOUS! First of all I Never asked them to defer the payments (they made that decision), like my lost of income would be better in a few months! I asked for the hard ship loan because my income was lower and wasn't going to go back up! Secondly, that would be really stupid of me to ask them to defer payments knowing that it would cancel out my request for the amendment, what I desperately needed! So after almost 2hrs of arguing with them on the phone, I am told that if I make Junes payment and they will put in a request again for me. Then she processed to tell me that I probably wont get it due to the deferments and should really wait 6-7mths and try again!

Now, after 3mths of being lied to and they deferred my payments without my requesting it, I am screwed! I don't want my credit messed up because of their games, so I have made Junes payment and will have to figure out from here how to make future high payments. I will however NEVER do business with them again, NEVER recommend them again, and I will NEVER let this matter come to an end! I will contact whoever I need to regarding this matter and their very poor business practices!

The worst thing with Citi is they lump the insurance into the loan, so not only are you paying for the insurance (which then refuses to pay for an unemployment claim), but then you pay close to double for the insurance with the interest.

if u can find a lawyer to sue them let me know rjcaulder@hotmail.com

we only have three payments left never late and they sold our account to another company and now that company wants us to pay it all at one time...very unfair..very poor practice..also since like its be forever paying

BEWARE.
Citifinancialauto now has switched over to Santander to service their auto loan accounts. I can never get through to anyone at Santander. I just get recordering saying they have no record of my new account number with Santander even though they deducted another car payment from my account on September 17, 2017 under the new account number and this was after my car loan with Citifinancial auto had been paid off as my car was traded in to a dealer. Count me in on the class action lawsuit.

BTW..so sorry for all my type o's that I have on here. I have been ran through the ringer with this company for a year now. They have been constantly leading me along and make promises all the while screwing my credit up to where now I can not get a loan with another company. My credit score dropped big time because of them. Telling me to be late on my car payments so I could qualify, then turning it around and wanting all of the lates up to date to qualify, then back to needing to be late to qualify - on and on and on.
All I can say to anyone suffering a similar is to report to the BBB and consumer affairs and you might even need to get a lawyer.
And don't fall for one of those independent loan modification companies. They will want at least $300 just to right up legal documents that have no guarantee of working. We'd have better luck with a class action.

Santander gave me an answer on their amendment rules which they call a "loan modification" - they said that their rules are different and do not go by Citifinancial's rules. So whatever Citifiancial us, no longer applies. I'm going to contact consumer affairs first thing Monday. IMO, they figure people who can't afford their current auto payment, can't afford to get an attorney and fight them on their dishonest practice. If we could, we wouldn't be asking for an amendment or "loan modification" in the first place.

I am writing on behalf of my mother. I had mentioned to her just last week that I saw something about citi financial auto on google while I was checking out my own issues with a citibank credit card. My mother has informed me that she made an agreement with citi auto to pay her past due bill and they would rewrite her loan giving her a lower interest rate and in turn lowering her payment. She complied. Curious as to what her new payments would be she calls them. Only to find out they now have a third party servicer Santander Consumer USA Inc. Still owned by CitiFinancial Auto. She was transferred to a customer service rep that informed her they don't provide the service that was promised. She put all her funds out there just to be scammed into payment before they switched over. Now her plans for h.r rebudget are soiled. This has caused enormous stress on my mother. Also she took the original loan for $23297.93 has been paying for 4 1/2 years and still owes $17418.75 its not due to mature until 3/18/2017. Her interest rate must have been outrageous and if they had rewritten her she would more than likely enter into a new 6year agreement on the $17418.75 at another high interest rate. Like the other complaint never ending . Please contact my mom if she can be helped with this .

I GOT MY CAR REPOD AND TRYING TO GET IT BACK. IT HAS BEEN A WEEK TRYING TO GET IN TOUCH WITH THE REDEMPTION DEPARTMENT AND I HAVE LEFT ACCOUNT NUMBERS AND PHONE NUMBERS FOR THEM TO CALL BACK BECUASE I CAN'T HOLD FOR THIRTY MINUTES. AFTER NUMBEROUS OF MESSAGES I REALLY DON'T THINK THEY INTEND TO CALL BACK. IM SURE THEY ARE NOT BACKED UP FOR WEEKS ON THE TELEPHONE

if u knew i had bad credit why u give the damn loan

they are trying to rush me to payoff my truck early WTF

they are rude, they are the worst bank I have ever encountered in my life. the harrassment is out of this world.

I am right there with all of you. I have sent proof of unemployment income 5 times, the last on being this morning because they can not read my fax and think it is my fax that is the problem! If they cant read what comes in on their end why is it my fax that is the problem. They have a wonderful stall tactic program to wear you down. I have been unemployed for 18 months, have kept up with my payments and am trying to be proactive in getting a temporary reduction of payments. But Citi does not cooperate!

Well, it goes back to reading the terms and conditions of your contract. If your contract requires you to carry FULL COVERAGE (Comprehensive/Collision) insurance at all times (which most financial institutions require it if they are providing financing), then its a requirement that must be met or they add what is called "Forced Place Insurance or Collateral Protection Coverage." Companies will NOT just add this type of insurance without first providing you with adequate notification at least 60 days in advance, advising you that they do NOT have your updated insurance.

As far as letters being sent out to people, letters are generated systematically, usually based on the number of days the account may be past due. So, the system does not know if you've had assistance or even that you meet the criteria. Its simply generating the letter because of the criteria that was established for the letter to be sent (usually days past due, last payment date) are the triggers.

Again, I will not say enough to people that you have to remember YOU OWE THESE PEOPLE, they do not owe you. Therefore, they are under NO OBLIGATION to establish altered payment arrangements, defer payments, accept late payments, etc. Those are privileges...but its not a requirement.

We have an obligation to ensure that WE can maintain our monthly obligations and if we are no longer able to do so, then we have to make harsh decisions that are often WAY TO UNCOMFORTABLE!

This is the worst loaning institute I have ever been with. I wish I could get my car loan refinanced through another bank just so I don't have to put up with the bogus fee's and harassments these people put me through. If there is a lawsuit against them let me know I want to sign up. citifinancial auto has unfair practises and falsely advertises " The letter they sent me states they value me as their customer and "we want you to be completely satisfied with your account and our services" and they also stated "We hope to become a trusted advisor for your auto finance needs" But they didn't sign it, all it had at the end was sincerely "client care" TYPED . But every time I have a problem with them which is every month since jan.2017 All I get is yelled at harrassed and when I ask to speak to their supervisor they hang up on me every time...You try it and you will see.

I am so sick of these people. What are we suppose to do? Most of us want to pay our bills. Some have lost jobs and are still paying but Citi won't work with you to lower your payments, they would rather repossess then to work out a payment plan.

How does Citi financial Auto leagaly get away with ripping off the public the way they do? Don't we have any laws to protect us against thier trickery? Or do we have to just shut up and pay? I can't be alone in all this - this is America isn't anyone willing to stand up and put them through (at least)1/2 of what they have done to us?