In early August 2008 we purchased some expensive mattresses, using dealer 0% financing through Citifinancial. As we did not receive any paperwork regarding the financing by mid September, we got nervous. We called the dealer about information, we called Citi, both no luck, Citi did not find any record about our loan. The dealer asked us to wait two more weeks, and then he would make further inquiries. A week later we finally got the paperwork, an account statement and a payment slip. The due date was early October. Before it was due we have sent a check to the address on the account statement, and also added a payment slip.
2 weeks later we realized that the check was not cashed yet. We called Citi on the phone number stated on the account statement (FOR ACCOUNT QUESTIONS CALL…). When giving the agent on the line our account number from the account statement, they said they could not help us; this account number does not exist in their system. It must be from some other Citifinancial activity, they need to transfer us. That’s what they did, but the next agent in the other department said the same thing: not our number, you need to call 1-800-… . Finally I got the number for a local branch that should be able to help us. When I called there, it said that the line is discontinued.
Same evening we received a letter, only a sender address, no name on it. In a way that I can only describe as laughable (I think it was supposed to be funny) we were “reminded” on our payment obligations regarding Citi. It did not contain any names or phone numbers that would have made it easier to get in touch with the originator. The internet enabled us then to find the local branch to the sender address and a phone number. At this branch we were then told that we had the incorrect account number. To make it clear: the number on our account statement and payment coupon was not correct. We were asked to issue another check to make the first payment. We agreed to do that, if we get some kind of information what happened to our first check and why we suddenly have two account numbers. The branch manager called at the phone number stated on our account statement to look into this issue. She got that day as far as we did: we don’t know this (first) account number (and, interpreted, we don’t want to have anything to do with it). She gave us a card with the Citifinancial Customer Service number to call and promised to look further into this issue.
Today we called Citifinancial Customer Service. I can only hope that the way they service their customers is just a little disturbed through the additional pressure of the current bank crisis. It was a really unpleasant call. Partially it was certainly my fault: I was obviously not able to explain clear enough WHY I thought the check did not clear. The agent did not get for a long time that the account number that Citi provided us with is not correct. I asked for two things: a confirmation (in writing, please) that we only have ONE account with them, and a confirmation that the first check we sent in will not be cashed, or, that we will be refunded any fees we will have to pay to cancel the check. The only thing I got out of this was that I should request the refund from my branch (“I mean you can only request it: I don’t want to say with that that they will do that!”) in a voice that told me with every syllable “Please don’t EVER bother me with this crap again”. I can’t believe that someone who is getting paid to take care for the problems of the customers is not even remotely interested in it that the employer sends out kind-of-important information that is just plain wrong. And this is about computer generated letters. That means, there is most probably no “human error” involved. And so the error might actually have happened not only once, but maybe a thousand times that day. Or why should it only have happened once? But no one cares… maybe they care if suddenly nobody pays their bills anymore, because everyone has wrong account numbers.
And now to the best part: let’s contact them by email, tell them you don’t want to be a ping-pong ball between branch and customer service, you just would like to get an answer on your problems. I received an answer, two hours later, by email, telling me (short version): “Our branches don’t have email. Please call your local branch or call our customer service department at 1-800-…”. Now I want to cry. I give up. I will now (silently) protest over the internet. I will never make a credit purchase anymore if Citi is involved. And they will never know why. I don’t think it’s satisfactory to either side. But I guess life is easier for the ignorant.
I paid my loan off a couple of months ago and they kept telling me that they were going to send me my tittle to my vehicle and my home but i never received it.They have promised me that i would have gotten it by now but still i haven't received it yet so whats up with citi financial. Why are the closing all their offices and not notifying the public. Ive even called other citi financial offices to find out about relocations and they couldn't tell me anything so i am wondering whats up with citi financial. I will never in this life time take out another loan with that company ever again.
I was at work one day when someone called looking for a co-worker of mine. I told them that the co-worker was busy. When the dude asked what time the person got off, I told him I didn't know.
The conversation should have ended here. The dude on the phone (named Angelo) replies "Come on man. You work with them and you don't know what time they get off?" I replied, "They work in a different area of them, and I'm not their boss!" Angelo replied "Take this number down, " and he rattles off a number. He then demanded that I repeat the number back. I rattled off a random number, and he says "Come on dude! I need you to take a message!" I reply that I am not an answering machine, to which Angelo hangs up on me.
I called back and demanded to speak to his supervisor. She said nothing other than "This will be noted." So I took it upon myself to go speak to the manager of the office. I went and spoke with her. She was being evasive, saying that it was the fault of the person they were looking for that I was caught in the middle. Angelo had a serious attitude with me, and I demanded that he issue me an apology for treating me like he did.
So far, I have received nothing.
For 2 months I have been dealing with Cit Finantial. They are Liars, Sneekie, Untrustworthy. Whenever I go there for info on the account they start with :Now MaMa, just keep repeating it like I'm doing something wrong, when all I'm doing is trying to get the info. i need. They just won't answer any questions. Well I turned they into the Attorney General and then I got the info I needed. But there was a clause that I needed explained and they were again rude. The girl at the desk, Dorthy DePonceau told me to just leave, your Nothing but A Joke. The District Mananger came out and tells me to stop and acted like I was the problem. After going in a room to have him give me an explaination that I have needed. Needless to say he never answered the question, said he didn't know the answer. I told him to call there legal dept. now and ask them. He did and I still never got an explanation. Well I'm now getting the form from the Federal Reserve to report them for sneekie underhandedness things they do. I sugest to anyone who is having any problem with any company to turn them into your Attorney General. They have helped me with Verizon over billing and chargeing for internet when I didn't have it.I have gotten all my money back. They move real quick when Attorney General talks to them. And after when you think it is over when you get your letter from the Attorney General asking if everything is fixed, if it isn't when you write back and tell them in just a few days you hear results. Now Citi Fin. is another story, I have got Attorney Generl on it but now feel the Federal Reserve needs to be contacted. Good Luck to you all.
On the day of closing on the sale of the house I was buying, the mtg. broker called and said banking laws had changed and I need double the down pymt I had been approved for, and they had it already set up w/Citifinancial-just stop and pick up a check.
The check was for $9500, @ 21% interest, which has been reported to the credit bureaus as $15, 600. I felt I had no choice but to take it at 2 hours before closing- that, or be homeless. I paid a personal visit to branch mgr. Cindy Sandburg, who told me they would reduce my interest rate and lower my payment, then the story changed over and over again. Citifinancial was totally UNWILLING to work with me in any way.
So, my philosophy on that is, if you're in the business of screwing people, and they are, then you deserve to be screwed also. What goes around comes around. Why does this company punish its customers? That makes no sense to me, and I desperately would love to see them investigated for consumer fraud, misrepresentation, loan sharking, extortion, and whatever else could be thought of.
I have never run across a company so willing to financially rape its own customers-do they honestly think that will make them want to do business with them in the future?
I am getting 4-5 calls per day from Citi Finance for wrong person. I have told them several times that this number is not the number of the person they are asking for. Then also I'm getting calls. Please do something they are irritating me everyday.
Beware of automatic payment system by phone. First you are charged $15 to use it, and when i tried to make my payment on the due date the system kept messing up saying i was putting in an invalid entry when i wasn't even entering anything... Funny huh?!?!.. so on top of that because the system wouldn't take my payment on the due date by phone on a Sunday i had to wait till Monday morning and got an extra $40 late fee... seems like a SCAM to me... BEWARE and pass the word that citifinancial is the WORSE!!!
Because of poor customer service and lack of their employees documenting each phone encounter we ended up...
I have had my 2005 Pontiac for 3 yrs, about 18 mos ago, approimately, I received a letter from citifinancial auto telling me that they could lower my interest rate and save me I think it was around $1100 on my balance. I went to see about trading my car in on Thur of this week, 8/21/08 - on Fri the dealer called me and told me that my balance now should be about 12 to 13, 000 dollars still owed instead of 17, 294.71 Which as any one can see is about a 3-4000 dollar difference. The dealer went on to tell me that what CITIFINANCIAL did was start my loan at the amount it was when the refinancing offer was made and the interest that had been paid was gone, just gone not credited as it should be so now the story is I will not be able to trade my car in until paid in full which is what CITIFIANCIAL HAD PLANNED. If it were wrecked I'd have no car and still be making a payment to CITIFINANCIAL AUTO -- CROOKS. MORAL OF STORY, IF IT LOOKS REAL GOOD IT'S NOT! They do not give you the real story. Thank heaven the dealer, , who I bought the car from before, was honest enough to tell me he wasn't going to sell me a car worth 17-18, 000 and really be paying on 24-25000. jCITI FINANCIAL AUTO YOU ARE CROOKED AND TAKE ADVANTAGE OF PEOPLE. I am sending a letter to the Illinois State Attorney, Amy Madigan and also to the Texas State's Attorney to let them know the unsound practices you pull, I am going to submit my origianl paper work to prove that this is the scam that you pull.
ADVICE TO OTHERS -- AVOID CITI FINANCIAL AUTO AND ALL THE SUBSIDIARIES I plan to put this is local papers and Texas papers also. SHAME ON YOU -- YOU THIEVES AND CHEATS
GOD HAS A PLACE FOR YOU!
I call the costomer service # and can't get a person it s automated I call another c.s.# and they say they can't take my call I go on line to find another # and they tell me again they cant take my call in the mean time I owe no money but the company still charges me late fees and finance charges over and over again and I cant get any body on the phone
Where do we begin? For starters we had our mortgage through Citifinancial several years ago and didn't...
Our 1st mtg was predatory 2/99 (they were sued and are out of business) and when we ran into problems with...
My friend and I both have this company and the same kind of treatment. They are rude, pushy, and liers. For...
I purchased furniture from Wickes Furniture on 06-18-07 and signed up for the promotion of no payment and interest for a year with CitiFinancial Retail Services. Wickes went bankrupt shortly after and my payment of over 1500 dollars stood. I paid off the loan on time to CitiFinancial on June 10th and their bills were very unclear and stated the due date to be 6/30/08 but that didn't seem right to me. I still sent my payment on time and was later back billed 467.76 of interest because they claimed that they did not receive the payment until June 17th. That still would of been early according to the date my furniture was purchased. Calling over and over and getting an auotmated computer and no answers from Citi I am frustrated and need your help. If you can help please contact me for more information. In times like these they should be elated that I paid on time and they still want to rip me off! I have always paid all my bills on time and have a great credit score and I will not be taken for a fool with this stupid company run by monkeys!!!
My wife and I are trying to sell our house(built in 1950 needs work) the 1st is with WAMU and they are willing to do a short sale the problem is that Citifinancial will NOT remove the junior lien for $1, 000 (this is all WAMU's investors will allow to give Citi) we have offered to give CITI the junior lien position on a brand new home that we have in Alabama for the balance due. We have always paid Citi on time! We showed them the buyer's contract to buy the listing agreement and the short sale agreement from WAMu proving that WAMU will only give them $1, 000. Citi will not agree to recast our loan and move the lien to our other house!!! They want $9, 000 to settle the $15, 000 debt. If I had $9, 000 I would jump at that and the house wouldn't foreclose!!! I have been telling CITI for 4 months that I don't have that kind of money!!!1 No one will listen, I have called the district and regional manager and the office in Baltimore the guy there was really rude to me...the best part is today I receive a letter saying that they are trying to garnish my wages...so I am going to let WAMU foreclose and then CIT won't be able to garnish or collect another dime!!! So that is what they get for being GREEDY and RUDE!!!
They made errors on my vehicles title which have prevented me from getting the car registered. I have been trying to get the problem corrected for two months. I have been referred to multiple parties in multiple departments. I have left over a dozen messages and to date have not received the courtesy of a call back from anyone in the Citi Financial Auto title Departments.
Citifinancial stinks! I paid my mortgage regularly for 15 years, and I just sent in the final payment. Their hoard of telephone harpies harassed me for years, if I was only a few days late. When I paid them on time, they still demanded that I send them a copy of my check from my credit union to prove that they indeed received the money! Screw them, May they suck donkey dicks in ***! May they be at the epicentre of an earthquake. May wildfires devour everyone. And most of all, may no more suckers like myself be lured into getting a mortgage with these idiots.
CitiFinancial Retail Beware of last payment charges and revolving credit that you have not signed or asked for and are being charged by the Day. The interest on my bill is 366.52% on finance charges even if your original bill states NO finance charges. You call and on the bill it tells you that you will still be responsible for the bill till it is resolved, and what if it is not in months, months. On $1.00 at 366.52% can you imagine what it will be? If I find out what can be done I will post.
I have been a Citi Finacial customer for years! I have recently found out that monies I borrowed from CITI FINANCIAL, to pay off an outstanding VISA bill in the year 2004 in the approx amount of 600.00...was not paid... and to this day no record, is on file, to show that it was! I was advised by my local CITI FINANIAL, that there was a record of a cheque issued, but they were unable to provide me with a number to prove this cheque was actually issued to cover the outstanding debt!! This only leads me to believe that said funds were never paid! And as per records of my financial institute CIBC to this date, no funds were received to cover this outstanding debt ...thus showing that this dept has NEVER been paid, resulting this debt on my credit record to this day...4 years later!!!
In my quest to clear this, I was advised by CITI FINANCIAL, to proceed to EQUIFAX, to process a credit report, as CITI FINANCIAL would not do the search themselves! As was instructed by CITI FINANCIAL I processed a credit report through Equifax, and found out in the process, that the VISA bill for CIBC was never paid. Thus giving me my bad credit rating!! Upon receiving this info, I have found out that this debt has been on my record for the past 4 years!! How could this happen! I trusted CITI FINANCIAL to see that this debt was paid, only to find that to this day, the debt is still outstanding and tarnishing my credit record. I tried very hard to clear up this debt but was very disappointed to see that a financial institute that I trusted for years had let me down! As per instructions given to me by a CITI FINANCIAL representative, I was given a number to clear this...only to be given an endless list of numbers in which each would give me another number! I have now exhausted the numbers given to me to clear this issue, and still no ANSWERS!!! If you would like a list of the numbers I have been provided with and have been non successful. they are as follows:
As you can appreciate as per the numbers above, I have repeatedly tried to fix my financial credit rating with the numbers that I was given, only to get another toll free number that did not help to solve my situation!
To this day, I have yet to have been given a number to clear this debt which was supposedly paid by CITI FINANCIAL...4years ago and I have no where to turn but to complain to the people that I trusted to help fix this matter!!
I trust you will help me to fix this matter and finally clear this matter that has haunted me for months!!
I will look forward to your immediate response to this matter! To further help you in this matter I have provided for you (as below)...info that you will help you in your investigation!!!
Thanking you in advance!!!
My wife and I were refinancing our house with Citi. We locked in a rate of 5.875. The lock in period is 30...