Citifinancial Auto / Fraud and scam
I have had several issues with Citifinancial Auto. The first came when I had called in September of 2005 and requested to have my automatic payment date changed to the 16th. They did not make the change correctly instead they set it for the week before. Caused $614 in overdraft fees had my account messed up for a month. I also spoke with an Andrew who assured me for 2 weeks that the problem would be fixed. It took them 2 payments and 4 weeks to get it straight. In order for this to happen I had to be on the phone everyday talking to 5 different people before it was cleared up. I had to change banks. It took 5 months after that to get all of my other creditors back on track.
In August of 2006 I ended up losing my job and got behind in my payments. I received so many calls from them that my message center on my homephone was filled. I understand that the calls need to be made, I tried communicating with the representatives only to be told that it was my fault and if I was more responsible I would not be in this mess. When I got another job I tried to make arrangements to catch up. I received calls from a person named Darren. I was threatened, I was told that if I did not make 2 payments that day which was a Wednesday the car would be picked up. I told him that I could not do anything until that friday which was my payday and that I did not have all of the money. I was told to go to a pay day advance place and if I didn't come up with the money they car would be picked up. I was told that I had to pay by quick collect because they were not accepting any other form of payment.
I could not get the payday advance so I was given until 9:00am on Friday to get the money. I missed the deadline due to bad road conditions I received a nasty call from Darren saying that I was given a deadline and i did not meet that deadline I tried to explain about the road conditions I could not meet the deadline because I was going to be late for work I told him that I would take an early lunch in about 15 mins and would pay it then. He yelled at me saying that is not what I told you to do, you did not meet the deadline we are picking up the car all other arrangements are off and hung up the phone. I was literally in tears. I have never been spoken to like that. I made the two payments and a third payment 2 weeks later. I was told that I could not be late anymore and he was the last straw, when the file get to his desk that means my car is going to be reposssed. I am currently due for November and December payment according to them. I know that I had been behind, I had made a serious effort to catch up. After making those 3 payments I still received calls on my job, at my home, and my cell phone. Yet after all this harassment I have yet to receive anything in writing from them stating that my car will be repossessed. Each time the threat is made I am asked where the car is. Before I started working with Darren someone showed up at my home asking for payment. Left a note for me to call a representative who happened to be on vacation everytime I would call.
After making 3 payments in one month in an effort to become current I still received harassing phone calls. By different representatives and all making threats, when I stated that nothing could be done until my next payday, I was told that answer was unacceptable. When I lost my job I became behind in all my bills. I had been trying to correct the problem since I received another job. I found that there is no reasoning with them. Is there an attorney out there that can give advice on how to stop these people. Does law say that when you stop answering the phone after a creditor makes repeated calls they can come to your home and harass you?
This company has really gotten out of hand. I can't refinance at this time because my credit is not favorable because of being out of work. I have not been on my current job long enough to show stability. What can I do?
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