Citifinancial / Unethical practices of citifinancial
I have an excellent credit score and an excellent record of paying bills on time. In fact, I have no other credit card debt except for the small amount that was charged to CITIIFINANCIAL account from 1800 Mattress. And the only reason I opened the CITIFINANCIAL account was because 1800 Mattress offered no interest payments, if I opened the CITIFINANCIAL account. Majority of the time, I have made significantly higher payments on this account than what was minimally due. I believe CITIFINANCIAL intentionally avoids mailing out statements in order to generate income from late charge fees. On two separate occasions I have not received these statements and therefore missed my payments. As I am a very busy professional with a young toddler, keeping track of statement due dates was not one of my priorities. Therefore, I expect the companies such as CITIFINANCIAL to uphold their duty and mail the statements on time and every time. I have never had problems receiving other mail, such as utility bills or credit card statements from other companies. Since this occurred on two occasions, I believe this is done intentionally and is an UNETHICAL practice of CITIFINANCIAL. Since I am making all the payments with no interest, this company is not gaining a profit from my account. Therefore, I believe by not mailing statements and charging late fees is an UNETHICAL practice that this company utilizes to generate profit from each customer. I have called to dispute this late charge and the customer manager suggested that I mail a letter of dispute to their lawyers with evidence. As it is impossible to provide such evidence, I have decided to payoff my account but felt the need to share this information. My goal here is to inform the public of this complaint and suggest that by all means, PLEASE DO NOT USE CITIFINANCIAL FOR YOUR SERVICES.
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