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CitiFinancial Servicing
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2.9 203 Reviews

CitiFinancial Servicing Complaints Summary

96 Resolved
107 Unresolved
Our verdict: Dealing with CitiFinancial Servicing, which has an average resolution rate, requires some diligence. Research their service in depth and read a variety of customer reviews for a balanced view. Approach any customer service interactions with detailed and well-prepared queries to facilitate a better resolution process.
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CitiFinancial Servicing reviews & complaints 203

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1:37 pm EDT
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CitiFinancial Servicing Unauthorized charges

I had 0% promotional APR for 90 days purchasing furniture from Roomful Express - this was financed through CitiFinancial. I promptly made all payments as soon as I would receive the statements. My first two payments were posted fine except the last one was somehow delayed by 3 days after the promotional period had expired and I got hit by the accrued finance charges (balloon payment). I spoke with representative who was bit rude kept saying that I broke the contract by mailing the payment after the promotional period had expired. I politely asked him to have me speak with the supervisor, she was nice to drop finance charges by 40% but refuse to do anything else.

The last statement suggested that I should have allowed 10 business days to reach payment before the promotional period expires. However, I received the statement on 03/13/09 and my promotional date was 03/21/09 - They did not even give me 10 day time buffer to mail out my check.

Anyways, I have mailed them the payout amount today with USPS priority mail with signature confirmation. So they stop accruing any additional charges, but I am still planning to write to their dispute department. Reading several other posts on this site shows that this is nothing unusual for them. This seems like their tactic to trap consumers.

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tonya27
Lawrenceville, US
Jul 21, 2009 1:26 pm EDT

I agree, I have been disputing my late paymts with them for about 3months they are a rip off and you can not reach anyone in upper management...we need to all protest against citi financial!

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garret19
Athens, US
Jul 06, 2009 3:39 pm EDT

we have an account with them now for a sofa we got last sept 2008 . We never got the first bill for three months. I called and called and told them I needed my bill because we had the 0% interest for 48 months or what ever it is I was told you will not be charged unless you miss TWO payments in a row then they will add all interest back to account. We recvd FIRST bill with late charges and interest on it. When I called they said I was late? I NEVER GOT THE BILL. We got that fixed and things went back to normal. I was late this past month due to hard times and was fine with the late charge . This would be MY FIRST time being late. They said I would no longer get the 0% interest and they are going to add from date we got the sofa till now back onto the account? I called and cried they just said they would take the late fee off that was it .I told them that I was never late before and they said I was the same month we got the sofa? I NEED HELP with this .. I can in NO WAY pay 4000.00 for a 2500.00 sofa? I have called and called they will not work with me at all .. keep saying sorry nothing I can do for you ..CROOKS CROOKS CROOKS // how can they get away with this all the time .. I see Im not the only one .. someone needs to shut them down .,

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6:33 am EDT
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CitiFinancial Servicing Fraudulent company

Unfortunately I was stupid enough to have two loans with this company. Due date for both loans are on the 15th of the month, with a 10 day grace period, after which a late fee is added. I have always made the monthly payment, if there was ever a time I was going to be late I contacted the office and let them know. I have been making payments for several years now, and yet they telephone me every month to remind me to make the payment.

Last month they telephoned my office! I was so irate I yelled at the lady that phone and reminded her that I have always made payments, that I have repeatedly told them to stop calling me, and that I specifically told them not to call me at work. I then talked with the branch manager and told him the same thing. Well guess what, this month rolls around and their calling me again. I have had it.

I am going to work very hard to get these loans paid off and then never deal with this outfit again. I just want the damned telephone calls to stop, how many years do you have to make payments to them for them to know you are a person that makes the payment? I am getting Cauliflower Ear from all the damned phone calls.

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Valerie
, US
Oct 31, 2008 11:33 am EDT

I purchased a refrigerator on a 12 month same-as-cash agreement which was underwritten by CitiFinancial Retail Services. The monthly statements I received from them were for a $15.00 payment which, of course, if I had paid only that amount I would never had paid off the amount owed in 12 months. I tried to pay one-twelfth of the total owed each month, but I missed a due date a few times. Then I would double or triple up on the payment. At the end of the twelve months I had paid Citifinancial $87 dollars over the original amount and they said I still owed another $119 because the late fees of $29.00 on each of the late $15.00 bills were going to trigger the full interest charges at 22.99%. This is outrageous. I have offered to settle the dispute for another $91.96 (the full amount of interest that could have been charged on the original amount). They refused that offer and want the whole amount now due of over $210. These people are unconscionable.

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rolobeme
, US
Mar 10, 2010 10:33 pm EST

Sounds exactly like me - same situation except they call my 89 year old mother- I've had an account with them for years and have never been later than the 10 day "grace period". I hope they go broke and the blood suckers that run this loan sharking company go to jail!

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oinkoink
, US
Oct 09, 2009 3:00 pm EDT

obama my have his faults, but he hit the ball out of the park today with his proposed consumer bill. the only thing he did not say, due to politness is "citi sucks"

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F*d by Citifinancial
Anytown, US
Aug 09, 2009 12:26 pm EDT

I, too, recieved numerous harassing phone calls from the local Citifinancial office. Funny thing was, I was never late on my loan payments. The phone calls were actually sales calls trying to get me to add additional money onto my loan. They would call my home, my office, and my cell phone. Sometimes as many as 9x a day. I advised them numerous times to stop harassing me. Federal consumer protection laws protect people from such harassment, especially since I am on the national do-not call list. I eventually determined they were doing this deliberately to be f*n idiots. I filed a complaint with the state consumer protection board and sent a letter to Citifinancial's regional manager. Calls stopped. But, then guess what happened? They sued me! Advising that I was behind in payments! When in fact for 3 months I've tried to pay off the account, only to get my checks returned in the mail advising they will not accept my payoff. In the civil action filed, they wanted me to pay for their legal fees! WTF! This all happened in the last couple of months. Lucky for me...I've got the money to fight the f*n ###. I'm meeting with a lawyer this week. After reading all of these complaints, it's time this company gets its do...

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Cindy
Fairmont, US
Mar 28, 2009 7:39 am EDT

My mother has already paid 5061.00 to Citifinancial. She past away March 2008. Her bill credit limit was 2900.00 and they claim she still owes over 4000.00 dollarsWho can help us?

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11:11 pm EDT
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CitiFinancial Servicing Punished for cooperating with collectors

Citifinancial can call me and try to set up payments to collect money due on an account in my husband's name alone, but when my husband pays the account off I can't call and cancel the payment arrangements because I'm not him. In essence they don't need his permission to take money from me, but they demand it in order to give it back. They would not allow me to cancel payments, and took the first payment even though the account that they collected it for had a negative seven dollar balance at the time of collection meaning it would have been correct for them to deposit seven dollars in my account. Instead they took money out and caused nsf on my account when three other payments that were legitimately made to other companies cleared. If they didn't need him to take my money they didn't need him to give it back. They're simply CROOKS!

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CitiFinancial Servicing Harrassment

My complaint is that Citifinancial Auto is continually coming to my home. Twice already in one week. My payment has been sent in but not cashed. The people they send are just hired strangers trying to make a buck and have my personal information. They ask to take pictures of my car and my home, both times. The first time I allowed it the second time I didn't. I also have a police report on my son's father for threatening my life and when strangers come sitting in front of my house or ringing my door bell I automatically think he's behind this. This is a very fearful situation in my life. Is there not a limit to consumer harassment? Their records are bogus and they never are willing to work with you. I fear that if they will stoop to this level of coming to my hone every two days then it will probably get worse. What am I to do?

Kimberly

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Jeanne Ebersbach
West Farmington, US
Apr 13, 2009 1:58 pm EDT

CitiFinancial calls many times during the same day and it is different phone numbers when you go to call back. Some of the time the phone number does not work. These numbers are not the one listed on the monthly statement for customer service. That is another issue. When you call after you give your account number you still have to go through the third degree. One you give the number they should have all the information and not have to question you over and over. Why would I be calling if it wasn't my account? The account is not even 2 weeks past due.

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STRIDER123
PHX, US
Feb 27, 2010 4:14 am EST

This company is assisting Alqueada to cripple the American public right under our government's nose.

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Mark0215
Fayetteville, US
Sep 29, 2009 3:28 pm EDT

I have even told them That I had a payment already set up.. But you are right on the 5th day you are past due you will begin receiving phone calls and every day from early in the morning until late at night... I thought there was a law against them calling you too early or too late.. I received calls from them as early as 6AM and as late as 10PM and I have never been more than 14 days past due.

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Nathiest
Irving, US
Aug 27, 2009 12:59 pm EDT

I am running a 2-3 weeks behind and yet I still manage to make a payment every month. I get calls from Citi, Citigroup and CitiFinancial all day long. They call me up to 6 times a day and they leave a message each time.

I called them and told them to please remove my phone number from their call list and they say that they will do so and then a few days later I'll start to get the calls again the first one is at 8:45am every morning and the last call is at 8:45pm every night.

Should I call a Lawyer?

Nathan B.
Nathiest@gmail.com

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gaetano scarpa
Lexington, US
Aug 09, 2009 5:14 am EDT

citi financial auto is not a good company they should work with the consumers because they dont realize that with out the american tax payer the would be no citi financial do you remember that we bailed them out us the american tax payer you and me 45 bill and the gov still hasnot been payed back very poor company

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8:12 am EDT
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CitiFinancial Servicing Collection harrasment of closed loan

A certain Aries Mercader has been terrozing my sister that

"They will start publishing your (personal profile) NAME, FACE PICTURE and ADDRESS (including your references) in all leading newspapers on the count of ESTAFA then, we will seek your ARREST WARRANT for serving to ensure your CITIFINANCIAL obligation are fully settle to coordinate call Aries Mercader at nos.
[protected] or [protected]. ASAP"

To date, the loan has been fully paid since June 2008. Then why does citifinancial be doing such claims that the last bill of a measly 7, 000 pesos have ballooned to 28, 000 pesos. But when confronted Mr. Aries Mercader...he just said OK please pay 2000 pesos ASAP & the remainig 5000 pesos on the end of next month april...to avoid paying the 28, 000 pesos.

What kind of accounting system does citifinancial do?

I am demanding formal written apology from citifinancial and send copies as well to all they have texted.

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9:08 am EDT
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CitiFinancial Servicing Raping customers

I borrowed money from citifinancial during a crisis period. I was already a customer of theirs because I financed a mattress through sleepy hollow. I established myself by paying monthly and therefore wanted to use them to borrow. Not knowing they are scammers. I only needed to borrow $200, they told me the minimum they lend is $500 but they can give it to me within an hour. Being that I was in need I jumped on it. Bad mistake... I probably ended up paying triple on that $500. She assured me that I would only pay less then $100 if it took me a year to pay it off. She lied. Their statements are very vague with no detail. Spread the word to anyone you care about... No matter how desperate — do not borrow 1 penny from citifinancial... They will take triple what you borrow within 2 years.

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Citi Sucks
West Columbia, US
Apr 30, 2010 5:20 pm EDT

What you people don't realize is that not everyone understand loans and interest. he probably did end up paying double or triple because the interest accrues daily!
And why are some of you so ugly calling people stupid and you don't know him or his situation!

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Err0r
Nunica, US
Oct 08, 2009 11:30 pm EDT

Oh yeah citi bank sucks dont do business with them take your business to a credit union .. lower APR and better cust service .. dont waste your time with Press 1 for loans press 2 for CEOS who make over 10, 000, 000 press 3 for CEOS who make over 20, 000, 000

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Err0r
Nunica, US
Oct 08, 2009 11:25 pm EDT

Shutup you stupid idiots all you commies prob work for a damn bank that depends on US to survive so STFU

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Valarie0712
Scotia, US
Aug 20, 2009 10:13 pm EDT

And also, we hand a carefully written, perfectly legal and compliant contract to every customer, which includes the interest rate and how much they will pay, in total payments, as long as they pay as agreed. I also tell every single customer they can pay extra to pay the loan of earlier and save money on the interest.

They can take it home and read it, and if they don't like it, bring the checks back the next day. But they never do. Amazing. They love us when they want the company's money but they hate us when we expect them to pay us back with the interest they agreed to. Shocking...and they call me a loser...

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Valarie0712
Scotia, US
Aug 20, 2009 10:05 pm EDT

Even if you pay 25% interest, the most you would pay on one year to pay back $500 is $625. In fact, it would not even be that much. The key is following the contract by paying on time, which you probably don't do, since if you did, you would be getting $500 from your credit union instead of Citifinancial, or you would just get a cash advance of $200 on the credit card you obviously do not have...

Also, to pay it off within a year, you would probably have to pay more than the minimum payment, since Citifinancial doesn't actually write the contract for 1 year unless the customer specifically asks them to.

The only way that you could spend triple paying back that $500 is if you never pay on time, EVER. I mean you would have to be paying 60 days late all the time and never, ever pay your loan up to date. How do I know? I work there.

If I write a 5 year loan at 25%, as long as the customer pays their payments WHEN THEY ARE SUPPOSED TO BE PAID, they will spend less than twice the money they got from us to pay us back. Every time. I have plenty of happy customers that come back to us, year after year.

The unhappy customers are the ones that have a payment due on June 15th and they pay it on August 15th. They get mad because when they make a 30 day minimum payment 90 DAYS after they borrow the money, they spend their payment on interest instead of principle. Well, all I can say is DUH. That person had a payment due on 6/15, 7/15, and 8/15, but they only made one payment? And they are mad because they owe us 90 days of interest but they only gave us around 40 days of interest and we actually used it to pay down the 90 days of interest they owe us? And no matter how many times I say, "Pay on time and your loan will work the way everyone expected it to", they still pay later, and later, and later...

But I digress. Anyone with a brain already knew the poster was an idiot before I put in my 2 cents...

timduncan86
timduncan86
Indianapolis, US
Jul 15, 2009 4:58 pm EDT

you can't borrow 1 penny, there is a $500 minimum. remember?

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mrsquigles
North Platte, US
May 05, 2009 11:50 am EDT
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"bad mistake...i probably ended up paying triple on that $500"
No ###. You've never heard of interest? It's idiots like you that these people make their money off of. Do yourself a favor next time and buy a $30 air matress from Wal-Mart until you can afford a ###ing mattress.

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1:37 pm EDT
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CitiFinancial Servicing Money owing

Last week I went to a citifinancial branch to make a payment. Before this I was going to call to see how much was left owing on my loan because I thought it would soon be paid off probably another 4-5 months and it would be done. When making payment I am told that my loan has expired and I am still owing 9168 at that time I thought she meant $91.68 and I said well thats no problem I will pay that as well today. She then stated it was $9168 and I just about had a stroke because I honestly had the thought that I was near the end of this loan. So I ask her why the balance is still at such a huge amount and she told me it was due to payment deferrals I had done. Yes I had requested a few deferrals that I am not denying...but then she went on to say I had 9 deferrals over the course of the 5 yrs to which I am totally opposing. I requested a statement of my payments and dates of deferrals. After scanning statement I realize there are times deferrals were done without my consent. I am totally at a loss to know what to do...because I honestly do not agree I owe them over $9000. PLease please someone point me in a direction where I can get some advise or help. I am not disputing the fact that I owe them money..just not that much...HELP PLEASE

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a freind
Ardmore, US
Mar 07, 2011 11:57 am EST

Go back to the branch and request them to pull your file so that you can see it. Then have them PRINT the ledger card (all the way back to your first payment) on your account (don't let them tell you they cant). Then in your file, there should be the number of deferment authorizations with your signature that they say you have had over the term of your loan.. Look at the dates of the deferments then have them go into notes and have them tell you the reason why you had requested the deferments. Company policy states that they MUST keep a signed authorization of EACH deferment in the file even after the loan has been paid off. If they cannot provide this, contact the District Manager and keep going until you get resolved
*see the hard copy of SIGNED deferment authorization in your file (ALL ORIGINAL COPIES)
*Make sure the dates on the form match the dates on the ledger card.
*Make sure that you have the number of deferments that are on your ledger card
*If they cannot provide ALL the defer forms that are on the ledger card, then you may have a case.

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Tammy1234
Ontario, CA
Feb 25, 2011 3:39 am EST

People need to file a class action against this company they are worst than loan sharks they never go away and just when you think you have paid them they come back years later, they are Predatory lenders. I'm in the process right now if putting some information together in order to file a legal complaint against them the link below is the lawyers tht sued and won th landmark case against Money Mart and I think they could finally take down Citifinancial if enought people contact them. Check it out.

http://www.strosbergco.com/landmark-cases

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lite_69
, CA
Jan 25, 2011 5:21 pm EST

Citi Financial is a rip off they are doing the same thing to my husband. Valarie0712 as an employee of citi, which from the sounds of yourt comment you are. You need to get to know your company better. Because they are a rip off. GET OVER YOURSELF.

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bookit.com
, CA
Oct 20, 2009 7:57 pm EDT

Way to try and mitigate the damage. ALL your postings are on CitiFinancial related complaints there Valarie0712

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Valarie0712
Scotia, US
Aug 20, 2009 10:51 pm EDT

Perhaps you should have paid as agreed. Deferrals can only be given to a customer who is close to or over 30 days late and make only one payment instead of 2. They are given to help the customer avoid collection action and having their credit ruined bt Citifinancial reporting them as behind.

Are you stupid? If you don't pay a loan as agreed, it doesn't get paid off on time.

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CitiFinancial Servicing Auto title

Poor Processes and Poor Customer Service

While a resident in Virginia, I bought a car at a dealership in Virginia and financed the vehicle through CitiFinancial Auto. I recently moved from Virginia to Washington, DC. Getting a new driver's license and registration was required due to the change of address. DC DMV requires the finance company to send them the vehicle's title before a driver can register the car. On February 26, I faxed CitiFiancial a "Letter of Guarantee" requesting that the title be sent to the DC DMV.

On March 10, the DC DMV still did not show any record of receiving the title from CitiFinancial. I called Citi and spoke to a customer service rep named, 'Peter.' Peter barely spoke English. He informed me that the title had been sent to the DC DMV on March 2. Peter assured me that the DMV would have the title within the next couple of days; although he was unable to tell me if the title had been sent via Certified Mail (therefore traceable).

I called the DC DMV. The DC DMV told me that as long as I have a tracking number for a certified letter containing a title that was signed for by the DC DMV then I would be permitted to proceed with registering my vehicle.

I called CitiFinancial back. This time I spoke with 'Jake, ' whom also had significant difficulty with the English language. Jake had no idea what I was talking about when I asked him how the titles were mailed to the respective DMVs. 'Are the titles mailed by Certified Mail?' I asked. 'No. They are sent by mail. It will be there in two days by electronic.' What? I asked for a supervisor. I was connected with 'Salvador.' Salvador was much better with English and understood my question. He put me on hold so he could find out the information.

Salvador then explained the following:

CitiFinancial did not have a title on file for my vehicle. The title was on file electronically with the Virginia DMV when I purchased the car at the dealership. Citi had to request that the Virginia DMV send them a hard copy of the title. This had been done on March 2. It takes between 2-3 weeks to receive the title from the Virginia DMV. Upon receipt of the title from Virginia, CitiFinancial will then mail the title to the DC DMV so that I can finally properly register my vehicle where I live.

Summary:
The customer service reps at CitiFinacial are completely incompetent about what is going on with the accounts they're accessing. It took a supervisor to figure out that the title was not on the way to the DC DMV; it was on the way to CitiFinancial from the Virginia DMV, and it will take 3-4 more weeks for the entire process to be completed.

CitiFinancial doesn't manage the titles for the vehicles they finance. Apparently, they leave it to the DMV. This is surprising to me given that the DMV has little or no stake in the vehicle, but the financing company has a great deal at stake/ownership.

Recommendation:
Do not finance anything with this company. They don't properly handle their own interests; it's hard to believe they will properly handle anyone else's.

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STRIDER123
PHX, US
Feb 27, 2010 4:07 am EST

This company is assisting Alqueada to cripple the American public right under our governments nose!

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scobo1
Plano, US
Jan 04, 2010 8:45 pm EST

thank you

You are not alone!

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CitiFinancial Servicing Collection agency

It is inevitable that when someone becomes delinquent in paying loans, collection agencies will come after you. But these collection agency representatives are going over board. They will harass anyone who answers the phone as if they can make them pay with all the profanities that come out of their mouths. Once my grandmother, 75 y/o, was threatened by this rep and told her that they will have a police officer kick us out of the house. This rep was calling for my brother, who ran away with his gf almost a year ago and has never came back until now. My grandmother, with very little knowledge about these things was so nervous and was trembling. The reps refuse to believe that we don't even know where the hell my brother is. And just today, i got a phone call again from a guy who claims he's calling from a bank. He wouldn't even tell me which company he's working for and insulted me. I understand why they have to have such an attitude but it's just not working. There should be a law that puts them in their right place. They should know that being the reps of these banks, they should make an impression that they are professionals and not some uneducated freaks with their bogus scaring tactics.

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CitiFinancial Servicing Excessive charges

Arcadia Financial Ltd - South Hackensack, NJ [protected], is the original lender in October 2001. $21322.10 loan amount about 3 1/2 years payoff at 485.70 monthly. Citifinancial took over in 2005.
In September 2007 Citifinancial Auto sent notice of contract end to
demand full payment or sign another contract to make 24 payments
at 322.61 monthly. All but 6 payment were made to this acount with 6 payment extentions. How does a loan amount of $21k go to over $30k pay back. Loan #[protected] for Chev 1500 Express cargo van. Q. Ludy 313/443-3844 or email [protected]@aol.com
contact info. I relocated in 2004 and no job for 3 months, reason for the extentions.

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STRIDER123
PHX, US
Feb 27, 2010 4:11 am EST

This company is assisting Alqueada to cripple the American public right under our government's nose.

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BRIA HAALAND
ft.hood, US
Sep 30, 2009 10:17 am EDT

i agree this company is out of control and are taking advantage of people.. they cheated me too! i was told by a supervisor if i filled out loan paper work with my husband's information and added him to the loan then sent in his orders the would take 19% rate i'm at now down to 6% since my husband is deployed with army! after going through and doing everything i was told they denied me! this company is crap and full of lies. why do we have to do what we say we are gonna do but if they promise something they don't have to?

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CitiFinancial Servicing Ref back payments

We have a 2nd mortgage loan thru citi out of the marshal mo office. I'm about 2 payments behind due to the loss of my wife's job. now they want to foreclose on my home for less than 1000.00.i advised them I would try and get second payment in soon but I only get paid twice a month and my first mortgage is 1267.00 a month and I bring home 1400.00.i asked about an interest payment and they said that since the loan was already modified that I couldn't. I don't know how people can be so heartless in this time of the economy. If I were a bank I could have gotten bail out money right off the bat. It seems they don't care and make threats of taking my home for less than 1000.00.maybe this is the way they are trained to be. I'll find a way some how and if I do get enough money someday I will pay off the note and never ever go thru them again and will not advise anyone either.

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CitiFinancial Servicing Bad business practices

I have been having one problem after another with these goons...
I purchased a Bed through Sleep Train Mattress Center, back in May 2008
They extended me 36month Free Financing... what a crock of ###.
First off... They Began calling me in regards to a late payment/No payments, even though my Bank had been receiving CLEARED CHECKS, CASHED from my account, with CitiFinancial Retail Services, and MY ACCOUNT number on them.
Second problem Ive had with these goons... once I cleared it up with them that I had actually been paying them, they began sending the bill to me AFTER THE DUE DATE in Aug and September, and eventually just not sending the bill at all (November 08 through January 09).
Now I send the checks in my own personal envelope, with the minimum payment, since they cant get their act together to develop a web address to receive Payments ONLINE I receive phone calls any where from 2-9 times a day... everyday from these goons... when i pick up, it is an automated service. "Please stay on the line for an important message from CitiFinancial" - at which point the phone call ends. I have received calls as early as 5:30AM and as late as 11:20PM
I am sorry... I feel these goons should be taken out of business... I know they are a subsidiary of Citi... and as such they should be shutdown for bad business practices. I work for a different Citi company and I understand that it is NOT Citi, it is the CitiFinancial Retail Services company that should be put out of our misery. I have submitted complaints to the customer service line several times and have not gotten a satisfactory response as of yet. I think they are sweeping me under the carpet, I know there are others in my position... I have one bit of advice, PLEASE DO NOT DEAL BUSINESS WITH THESE GOONS.

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A & J
Antioch, US
Oct 13, 2009 8:57 pm EDT

Ditto, we are having the same problems with a Tempur-Pedic mattress we purchased from Mattress Discounters in Antioch, CA - 5891 Lone Tree Way #B, [protected].
--When I discovered, after about 30 days of the in-home trial, was that the mattress did not help my back problems. In fact, it aggravated the back pain and I was waking up with back and neck pain nearly every day. I wanted to return the mattress per the TV advertisements that you get a FREE, 90-day, in-home trial. The TV ads, I might mention, say NOTHING about the fact that (as we found out later), in order to get the 90-day trial, you must purchase directly from Tempur-Pedic, either online or at one of their stores.
--I called the store. They said, "Too bad, your sales contract said you get only a 60-day free home trial, and your purchase is financed by Citifinancial Retail Services, who carries the credit line for your purchase, " which we already knew. We had previously received a credit card-appearing piece of plastic with the notation "Mattress Discounters" on it, as well as "Citifinancial Services." The Mattress Discounters sales person went on, "You cannot just return the mattress and have it credited to your Citifinancial Retail Services account. Your credit balance with them can ONLY be applied to another purchase, and ONLY from this store."
--I called Tempur-Pedic customer service (from a phone number found on their web site), and was told by their rude and tart customer service rep, "Oh, well, you didn't purchase the mattress directly from us, did you. Too bad! You are 'stuck' with it." Huh? Mattress Discounter and Tempur-Pedic have a contractual arrangement with each other to sell the product in the Mattress Discounters stores. These people are just two partners in "crime, " each one blaming and passing the buck to the other.
--We have no kind words for either Citifinancial or Tempur-Pedic. We also found out that the original purchase agreement at Mattress Discounters said we got a 60-day in-home FREE trial and 12 months to pay on a "same as cash" basis, and if paid off completely within 12 months, there would be NO interest charges. This arrangement is NOT exactly free. We are now being billed $19.00 per month as "minimum payment due."
***We will NEVER again having any dealings WHATSOEVER with both Citifinancial Services and Mattress Discounters. We will also file formal complaints with both the Better Business Bureau AND the California Attorney General's office. We live in Antioch, CA, and are in a position to pass this information along to ANYONE who will listen. We strongly advise ANYONE never to deal with Mattress Discounters or Tempur-Pedic.

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Anna
Canton, US
Feb 19, 2009 10:23 pm EST
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We purchased furniture from Rooms 2 Go & have never received a bill. We get solicitation mail with the wrong name on it, as well as on the card. I am unable to locate an online bill pay & do not receive bills. How are we supposed to pay this? We get calls saying our payments are past due but there is no payment no interest until 2013. I have already cut up one citi card & vowed never to do business with them again. We were not told it was Citifinancial until after the paperwork was signed. I would never have purchased with that lender. I will NEVER do business with the store or CITI again!

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CitiFinancial Servicing Awful company

On May 2003 Paula Stitt at the Citifinancial office in Colonie New York contacted my wife Georgianne offering to refinance our home equity loan it was to be 'on us, no closing costs' as part of a customer appreciation campaign. We decided to do the refinancing and had our closing on July 8, 2003. We left thinking it was a done deal.

Then on July 21, 2003 Paula said she couldn't send the mortgage payoff check as she was getting different payoff amounts from Texas. My wife had to call to get the payoff amount, she called three times and got an amount of $114, 457.60 which was mailed out on August 4, 2003 by Paula Stitt, it was mailed overnite UPS. There was a life insurance attached to the mortgage which after we consulted with an attorney advised us not to pay since it was in a class action suit and would be taken care of by the court.

On August 8, 2003 my wife called Citifinancial in Irving, Texas and was told the mortgage was paid in full and we would be getting a overpayment check of $275.16 in 30 days. Then we received a statement from them effective 8/21/03 with a $0 balance $0 payment due, and listed as 'paid out'. On August 27, 2003 Georgianne got a call from Paula Stitt warning her that a Kristina Parker from Texas would be calling her.

When my wife got the call Parker told her that we still owed $10, 867.20 on our old account, she didn't say what it was for just to pay it or they wouldn't release our property. On a call to Texas on 8/29/03 my wife spoke to a Keisha P. who told her that our $275.16 overpayment was going to be applied to our insurance account, and that the issue was going to be turned over to a manager for review, I would like to add that by that time the class action suit had been settled in court and they weren't supposed to get any more payments for the insurance, also we never heard from the manager who was supposed to review the account.

My wife wrote to Parker on September 15, 2003 asking her questions about the money we were told we owed she also asked for copys of documents. She was ignored by Parker, we didn't get a reply to the letter, only more threats. They now had gone to Citi taking legal action. She also wrote to Ofelia Flores in Texas asking questions about our account. These questions were also ignored.

We contacted the NYS Attorney Generals office, NYS Banking Department, FTC Bureau of Consumer Protection. The only help we received was from the Attorney General's office who advised us we should get a lawyer. We also found out the life insurance policy they were trying to collect on was canceled effective August 4, 2003, a few days before Citifinancial in Texas received our payoff check.

On December 3, 2003 we hired attorney Warren Redlich to represent us. He wrote letters asking them to review our records because they had made a mistake, but as with our letters he received no response from them. Then on April 29, 2004 we received foreclosure papers, my wife, son, daughter, and I each got one, then on May 1, 2004 we received three more by mail for my wife, daughter, and myself. Shortly after receiving the foreclosure papers they had the nerve to offer to pay us $250.00 to purchase our deed in lieu of foreclosure.

Our attorney was forced to file a counter suit against them in order to save our home. In the summer of 2004 our attorney got a call from a representative of Citifinancial stating they know something is wrong and they will investigate. Several months later they completed their investigation and dismissed the alleged debt and released our property {we didn't receive the official 'morsfaction ' document until January 2006}.

Going back to the class action suit, which we were part of the class, we were supposed to receive a settlement amount of $2, 137.41, but in a letter dated January 28, 2004 they applied it to our unpaid account, in the letter they had our account number which was our lod mortgage account not the life insurance and we had a statement with a $0 balance. After they cleared up the foreclosure we never got the class action suit money or the overpayment the thieves don't feel they have to return it.

Our counter suit went to the Supreme Court in Albany, NY and when our attorney was two days late with an expert witness affidavit the judge dismissed our case, I would like to add that whenever the attorney representing Citifinancial did where he should have ahd sanctions filed against him the judge refused our attorneys request. We wanted Parker and Flores disposed during depositions instead the judge told our attorney who he could dispose at Citifinancial and had him fly to Texas to question someone who clearly didn't know anything about our case.

We filed with the Court of Appeals in Albany and also were dismissed by that court. Were out probably a total of approx. $5, 000.00, Citifinancial gets to walk away clean as if they did nothing, we don't even get any answers as to why we were put thru 5 years of hell. I really don't know who is worse in this case, Citifinancial or the Supreme and Appeals Courts in New York State.

I've put complaints in on Judge Doyle of the Supreme Court with the Commission on Judicial Conduct and even with the information we sent that was dismissed, I also intend to put in a complaint on the five Appeals judges, but that will also be dismissed as one of the judges i am putting the complaint in on is on the Commission on Judicial Conduct, nothing like a little conflict of interest in NYS.

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Valerie
, US
Oct 14, 2008 7:48 am EDT

I am a citifinancial customer in good standing. When I would go in to make my payment I would ask the girl what other loans were available. Unbeknownst to me she ran my credit 5 times lowering my score for no reason. One time I specifically said "do not run my credit unless I am interested" and she still ran it. Very inconsiderate and illegal and damaging to my credit score. This was at the Saugus, CA office. It is not necessary to run a report on someone who is open with you and in good standing unless they say they want another loan (refi or heloc). To this day they insist they could not give me any in for such as a payment unless they ran a credit bureau. I know that not to be so. They could simply give figures and say that is assuming your credit score has not changed since we made you your current loan.

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charles garrett e.
, US
Jan 01, 2010 12:23 pm EST

i feel so sorry for all people in this position or simular situations. our laws are made for criminals and big bussiness. the common people have no where to turn. vote out all of these stupid polititions. maybe this will get someones attention. everyone needs to e-mail or get intouch with the congressperson and senators. it will take all the lazy people to help do this. good luck to ya.

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wredlich
Albany, US
Dec 11, 2009 2:55 pm EST

I'm Warren Redlich. I represented the Crabills and I agree with them that CitiFinancial (along with other Citigroup companies) mistreated them. I'm also happy I was able to get CitiFinancial to drop the foreclosure action against the Crabills. This is one of many cases where regular decent people have been screwed by big banks.

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bookit.com
, CA
Oct 20, 2009 7:57 pm EDT

Way to try and mitigate the damage. ALL your postings are on CitiFinancial related complaints there Valarie0712

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Valarie0712
Scotia, US
Aug 20, 2009 10:29 pm EDT

That is ridiculous. No lender is going to assume your credit score is the same as it was 6 months ago. It could be higher than it was, or lower. You could have defaulted on every creditor BUT them, your credit could be a total mess.

Your income, another factor in loan approvals, could also be higher or lower.

You could have a 750 score today, stop paying your mortgage for a couple of months, and have a 550 score a couple of months from now. Also, a credit pull MAY lower your score by 2 points, so at most, if they pulled your credit 5 times, your score MAY have lowered by 10 points. Not a big deal unless you started out at 550 instead of 750.

Citifinancial offers loans to people at a wide range of interest rates. They are trained not to talk about rate unless they have a full application. That way they can not mislead anyone in regards to rate or payment.

So stop applying, already. If they tell you a rate or payment today and you don't like it, the rule of thumb is to wait several months before you apply again, because usually, if you don't like what the loan rep is saying...YOUR CREDIT NEEDS TO IMPROVE...and that takes months, if not years.

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CitiFinancial Servicing Rude customer service, false pretense of hope

This company has been nothing but a joke since I got behind on my payments. Eveytime you call in a representive gives you a different excuse. December my mother called in to get a deferal, they told her she had to pay a payment to zero out the balance. She did.. Then they told her to get a deferal both of us had to be jobless. Recently a rep called and advised we could do a deferal as long as we were under the 30 days. I called in and was given the false pretense that I could get a 2 or even 3 month deferal. Suposedly they tried to contact me and I ended up getting denied. These people are rude and ridiculous. Every step higher you take it seems they get ruder. They contact family mambers I don't even talk to on Sundays. I have been threatened and treated like I am a complete idiot. They contact my mother at her government job and ask questions like 'is you parking lot secured?' to co-workers that anser the phone. I finally blew up and told them the only way they'd get the car is by me blowing it up and sending to them in pieces. Today by Ms. White I am told that is a terrorist threat. I am pregnant, have a child, and we recently had to close our business. I am the only one working. Do you think some compasion could be shown? All I am told is your are 37 days behind either pay or give us the location.. What is worse is this dispicable company and it's employees will always have the upper hand no matter what you do. Do you give the vehicle up so they auction for way cheap and garnish up to 50% of your check or pay the payment and continue to let these ---fill it in--- treat you like you do not matter?

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Phnebel
Killeen, US
Jun 07, 2010 12:39 pm EDT

They took out two payments on us and only one was authorized for the month of May. They proceded to process both payments. In turn put us behind yada yada yada. Ok now heres the funny part. I called to get my payment back, that didnt work unless I had paperwork "Faxed" to them. Can i get someone who speaks english please? I've asked to talk to a manager over and over, they keep telling me to call back or they'll call me. I asked to speak to someone different because I could not understand what they were saying and they told me to call back and hung up on me. Again, english please? Where is this company located at? I cant get one person that speaks normal english without such an indian accent. Its been two weeks and still aint got my money back. Its in "approval department" whats there to approve? i didnt authorize it?

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Duped by Citifinancial Auto
Safford, US
Nov 28, 2009 12:03 pm EST

We are getting the same type of run around. January 15, 2009 my husband was laid off of work. We called to see if we could get our payments reduced by way of refinancing our loan or trading down. The man I spoke with said sure, go find a trade that will lower your payments to what you think you can handle and we will finance the trade. We went and found an older pick-up and the payments were going to be just under $300 with our trade paid off. We were seriously upside down on this vehicle mind you and the dealership was good to us because we have traded with them many times before. We called Citifinancial Auto and they said no way. Nobody here would have told you to do that. We were taken aback. We then appealed for a refinance to lower our payment and they said no, but if we paid a payment they would add a payment to the end of our loan. That was our only optioan, then if my husband still wasn't working, they would consider a refinance. We did this and while I was able to aquire a pt/on-call teller position at a local bank, my husband was still unemployed. We then appealed again for a refinance and were told that if we paid a "qualifying" payment they would refinance the loan. We paid the "qualifying" payment which put us behind on my student loans and phones the company to see what payment they were able to arrange via refinance They said we did not qualify and were no longer doing the refinancing. We then decided that it was no longer working to work with this company and they were going to have to come up with an actual agreement with us to lower our payments if we were going to pay another dime. ok, so we are told for another qualifying payment since it had been too long, they would lower our payments for six months we asked them to put it in writing and they refused. We sit here, our car well hidden, until they get their heads our of their butts to help us. As a side note, my husband has recently been diagnosed w/ squamous cell carcinoma of the conjunctiva. It was removed be threatens to return already. We need help from this company to keep our car. All we get is the run around and treated like idiots.

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Dori
Lake Havasu City, US
Jan 28, 2009 9:54 pm EST

what you need to do is tape record 'their' phone conversations and then contact the better business bureau! Complete line of bull with every rep you talk to. Thank you Citi-financial-Auto for ruining what started out to be a beautiful day for two great people. I really hope none of your employees have their loans with you and get into financial trouble.

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CitiFinancial Servicing - Class action lawsuit

CitiFinancial has rude people manning their customer service phones. That's not illegal. CitiFinancial will send you a balance sheet that shows you're fully paid up, and still threatens you with having your car towed. That's not illegal. CitiFinancial will misplace your payment and then tow your car. That's illegal. CitiFinancial will then promise to...

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CitiFinancial Servicing 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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Miskondukt
Paso Robles, US
Jun 24, 2010 1:34 pm EDT
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I have a reoccurring payment setup for my auto of $373.43 every later half of the month. Just yesterday a $400.00 electronic check was submitted to my account. I had no clue who this was nor what it was for, so I justly put a "Stop Payment" on the check issued 6/22/10 for check #10 in the amount of $400.00. The very next morning, an additional, duplicated charge is processed through my account and has a check # of 9999 . . . ! ! ! ! Ok, WHAT!
A few moments later my wonderful bank's assistant branch manager calls and says that the stop payment check has been reissued, and cleared on the 21st (And today is the 23rd of which the phone call just took place) under a different check number and in order for me to stop the payment attempts they needed to know who the "Payee" was. I told her that was the issue. The checks have no images for them to pull the payee from, no listing of "CitiFinancial Auto Pymt" as my regular payment titled, and they had to trace the routing number to distinguish who it was. Guess what, it was Citi Financial Auto.
So, I call Citi and got your basic India representative and immediately informed her that two payments were deducted from my banking account and both have empirically (of which I had to define for her) been credited to Citi Auto. She looked on the account and informed me that a reoccurring payment from June of 2009 was recently reactivated for a monthly payment of $400. I told her that was entirely false, and that the transaction had been perpetrated with two distinctly different check numbers to satisfy a payment after the stop payment had been placed and that someone was literally stealing money from me and my bank was advising me to change accounts and "Let them" begin filing procedures for fraud. The representative said that no one was stealing from me, but the payment can't be returned. I also asked when the call took place to "reactivate" this payment, she couldn't provide an answer nor any corroborating notes.
I asked for a manager.
20 minutes later a Nidh (Pronounced Nideeh) clicked on and I had forced myself to calm down to reconcile the situation. 40 minutes later, a conference call with the Branch Manager, after my bank became aggressive and I had to resort to politeness (of which I maintained from the onset), apologetic, and literally begging "for her help as a manager" she said I might get the payment back within 2-3 business days with the NSF fees that were caused. I told her the charge put my account in the red and I needed it as immediately as they had received, stolen, it from me. Paraphrasing of course, but I inevitably had to ask for yet another escalation of whom has to "call me back" at a designated number-I anticipate none.
To go back to the how.
This manager told me that the $400.00 payment had been going through my account and then reversed (by them) every month and I just hadn't noticed it till now. Well, there's ONE contradiction: I was previously told it had been reactivated. Second, the two distinctly different check numbers, and the most absurdly frustrating contradiction-She thought I'd be stupid enough TO NOT NOTICE $400 GOING IN AND OUT OF MY ACCOUNT EVERY MONTH, ROUTINELY and NOT to mention, of which my banks' branch manager simultaneously informed both her and I on the conference call, that if a "Transaction had been processed and reversed every month, for the same dollar amount, not only would it have triggered a 'red flag' as conspicuous activity but in the least meriting a call to the client to (1) inquire about the activity and (2) negate continual transactions."

There are obviously very unsettling events going on here, and I am in no way comfortable with where it left by Nidh canceling the reoccurring payment. I am in search of a contact number for their Irving Texas corporate office, if anyone has one please email me at e.s.lavelle@hotmail.com.
Something else entirely frustrating. On their Contact us page, they have a picture of a White American Women as the call representative and it is clear that there isn't a single American Employed at the call center establishment. Their CEO is from India, of whom made approximately $39M in 2008 after receiving over $45B in Federal Aid (And they're still beating up on the poor man). In 2009 he sheepishly resorted to a mere $125K. (Equilar.com)

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skincarechic
OP, US
Mar 27, 2010 5:26 pm EDT

Banking Fraud! They have erroneously debited my bank account twice (I am not on an ACH plan). I have been fighting 3 weeks to get my money returned plus reembursement for all of the NSF fees they created. They owe me over $500.00. They told me that I was approved to have my money returned to me and that I should have it in 72 hours..(like duh)..however they are still failing to do so (three weeks and still waiting). What makes this worse is that I was in a deferrment status when they did this. The real kicker is that this is not the first time they have done this. They did this to us another times 8 months ago. This is bank fraud...and I would like to join anyone that has started a lawsuit. We are renters, and if we do not have our money back by the time rent is due (in three days)...guess what... yeah. I am totally disgusted with this company taking advantage of people. As soon as I get my money back...we are refinancing our truck. I don't care if the payments are higher...I just want out from under this abusive lender.

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robg73
southaven, US
Jan 19, 2010 9:25 pm EST

I have had many run ins with citifinancial... but the icing on the cake... Let me start at the beginning. Six months ago I got two months behind on my payments, so they called and tried to assist me by setting it up where I would only have to make half payments for six months. Well the payments were coming out automatically and they still were calling asking for payments. The payment for december was taken out on the 16th. That was to be the last payment of the six month period. Well, last week they reposessed the vehicle. The next payment, which was the accrual of the half payments for six months, was not due till the 23rd of january. Now when I call them they refer me to the redemption dept., whom I have called and waited on hold for as long as 4 hours. I just want an answer as to why if the payment was taken out, the vehicle was taken. I would have been able to make the payment due to getting my tax refund back. They are a company that feast on people, for lack of a better term, who are ignorant and less fortunate. If you know of someone that is or will be dealing with citifinancial, warn them to stay clear.

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CLOSE DOWN
Graham, US
Oct 28, 2009 7:08 pm EDT

I hate Citi Financial with a freaking passion..I hope they file chapter 13 for all I care..They LIEEEEEEE so much, and make promises, and never send things in writing. I am thinking about letting them come and get my car. I will do better off at a buy her pay here lot...The hell with a credit report..I can get that mess taken off, by a crocked friend of mine...Besides I am not happy with the CAR!

The car is worth 8, 000.00 and my pay off is 18, 000.00. They will never get 18, 000/oo from me. LOL

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LeslieS
bristol, US
Aug 22, 2009 12:31 pm EDT

I made a payment and they also took out an UNAUTHORIZED payment causing several fees in insufficiant funds. I have been fighting with them for 2 months to repay the money. Still they have not done so. Several phone calls, bank faxes, 3 way conversations between me, my bank and citifiancial.
THEY are crooked liars. This is not the end. They can repossess my car for all I care.

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lexnercj
oxford, US
Feb 05, 2009 1:05 pm EST

Please let me know if you hear anything. I am a 22 year old college student with my own citi credit card account not even linked to my parents, and got behind on payments due to finishing up and paying for school ( i pay for my school completely) and not having a job that will pay me enough to make payments. They have since called my parents, told them about the situation, told them the account number, the amount the debt was for and threatened to sue myself and my parents, who i mentioned already are not even on my account. I stopped answering their calls because I can't make payments, and they started doing this over the phone. What can I do? The prospect of graduating college with a large student loan burden, as well as bad credit is already depressing enough, not I am being harassed and my parents are getting involved in a situation they can't even help out in due to my parents own financial problems

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Victim Sheep
San Mateo, US
Jan 02, 2009 8:45 pm EST

SUE THEM! Blog the hell out of them, put together a blog site, organize a community, and sue the hell out of the ###.

At the bar or at any public place that has a CITI commercial on the tube, stand up and start yelling:

LIARS! LIARS! THIEVING DAMNED LIARS!

Let people know that the word CITI-anything is as offensive to you as Nazi war crimes.

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Victim Sheep
San Mateo, US
Jan 02, 2009 8:34 pm EST

My family has also suffered financially. We hope someone shows liars for who they are. May they rot alone.

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CitiFinancial Servicing Finance charges & assistance plan

We have had a Rooms to Go - Citifinancial Retail Account for several years and recently my wife lost her job as so many other Americans have incurred in the last few months. Unlke most people, my wife and I have tried to keep our heads above water and had made an arrangement with through a Customer Asssitance Plan to make a lower payment and to have a lower interest rate. For 4 motnhs now, I have been receiving hounding phone calls and rude phone operators who demand that I make my original higher payment and catch up on the exhorbitant higher interest rate, due to original late payments. This company has the worst communication system in place, is the most disorganized and poorly managed credit company I ever had dealings with. The right hand doesn't talk to the left hand and one of their offices, specifically in South Carolina, has the poorest supervision of them all. If you ever have an opportunity to make a purchase of furniture from Rooms to Go NEVER EVER use their financing, as you will have poorest communication and retail experience ever with their finance company.

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CitiFinancial Servicing Breach of contract

The short of it. My wife has had a line of credit with citifinancial for five years for $10, 000.00 . Recently we purchased a house and bills came with it and we were charging but paying other creditors. One charge in particular we wanted to pay off to free up some money, we thought we'd pay off using remaining credit available with Citi. My wife contacted by phone a Citi representative and requested convenience checks which Citi sent four. They thanked her for requesting the checks and advised that she could use them until 04/09 to her limit. My wife took a check and deposited it into her checking account and paid off the other charge account. a week later she received a letter from Citi stating that after reviewing her recent credit report they decided to reduce her credit limit to $8, 500.00. A couple of days later she went in to check her account to ensure our mortgage payment was in place only to find that Citi had revoked the check they sent ( as a non-payment) and our mortgage payment was taken out of our account. Citi reps have been both uncooperative and uncaring in this matter. I find it hard to believe that their failure to do due dilligence allows them to make up the rules as they go along. My wife acted in good faith and after requesting the checks was given them to use. Citi had an opportunity to look at her report again before issuing the checks for use but failed to do so and is in my opinion in breach of their agreement with her. I could see if she did not pay her monthly statements but she does. At the very least they should have honored the check and asked for the money to be paid back in addition to the amount already owed( under the initial $10, 00.These days you would think with banks looking for understanding and bailouts, and people losing their homes, these bankers would be a little more careful and a lot more understanding. Now we have to juggle our motgage payment and other bills because of this. I am pursuing other legal actions and trying possibly to put together a class action suit and or complaint to take to Washington and the media nationwide. If youv'e experienced similar issues please e-mail me. The only way we can hold them to a standard is to unite, fight and educate.

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CitiFinancial Servicing Called twice at work and my mom

i have an account with citifinancial. i have asked citifinancial not to call me at work. after i asked them not to call me at work they called 2 times after that. then i went to another citifinancial in pensacola florida and submitted a letter requesting that citifinancial of pace not to call me at work harrassing me. right now my family is experiencing a very difficult time. we recently found out that my husband has been molesting my daughter and the trauma associated with that. it's very hard right now emotionally and financially. i am also requesting that my interest rate be lowered at this time to assist with this very difficult time. thank you cornelia toles

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CitiFinancial Servicing Finance charge

I bought carpet for my house from Dobson Floors and they were running a 0% no-pay for an year promotion through CITI FINACNIAL RETAIL. My balance was around $6800 and the plan expires on Sept 13, 2008 but the due date was sept 17, 2008. I was traveling on a business trip and came home on the 12th. Wired the payment on the 13th thinking that they will receive it on the same day and CITI received the payment on the 16th. They slapped me with a finance charge of $1589.26. On that same Saturday(13th), I have wired the money to pay off another CITI retail account which is due only in Dec of 08.
After several calls and a dispute, they just waived $240.83 and I am stuck with this $1375.38 finance charge. I called the CITI AA credit card service to help me and they said, CITI financial has separate customer service and they can't help me.
Being a CITI customer for long time, I never thought they will do something like this to me. My intention was to pay off the account in full and I can't pay this outrageous $1378 finance charge. I am thinking off closing all of my CITI cards and start using my Chase/BOA cards.
Do I have any other options?Can anyone help me here? I have the Hyatt legal plan service and can they help me out here?

Frustrated Customer
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Lisa T Clum
Roseville, US
May 05, 2009 12:46 am EDT

Oh my Gooodness, we are having the almost the exact same situation currently with CitiRetail! Did yours ever get resolved? We also bought a carpet on a 4 months same as cash deal. They changed the contract due date from 12//24/08 to 12/05/08 and we sent our final complete payment at the beginning of December because we thought it was due on 12/24/08, plenty of time. They say we were late--they didn't credit our account until 12/14/08 and want all the interest--almost $1000..00. We are soooooo angry! My contract actually says 12/24/08, so I am sending that to them tomorrow, but they will just change their rules or whatever, to suit their story that we were late when we were not! What ever happened with your situation? Lisa

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