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Citifinancial Auto = Nightmare
Posted by Shaftscaliber on 03/15/2008
RIVERSIDE, CALIFORNIA -- If you have the option to finance or refinance your car loan, PLEASE think twice about going with Citifinancial Auto. They've been nothing but a nightmare to me. Here's the email I wrote to them on Thursday March 13th 2008:


My name is Tim Soto and I'm a (fairly) new Citi Financial Auto customer. I have a complex situation and I'm in desperate need of assistance because I've spent too much personal time and energy trying to fix it. There's a lot that's gone on but I'll try to break it down to make it less confusing...

1. Early February my E-Loan car payment account was transferred over to a Citi account without me knowing.

2. I never received a packet in the mail letting me know that I'm a new Citi customer so I had no idea what my account number was (a coworker of mine also had an E-Loan account switched over and he received a packet in the mail a few days after the transfer).

3. I called and spoke with a woman who told me I had a payment due right away for $269.60. I explained that I was upset because I didn't receive anything letting me know my account information and she apologized but that I'd have to pay the $15 fee for over-the-phone payment. She assured me that I would be credited back the $15 on my next bill (which would mean I'd owe $254.60)

4. I called and spoke with another rep and explained that I still had not received a packet in the mail and they assured me that one was on it's way. I also asked for my account number and he gave it to me.

5. I tried to set up an online account but kept getting an error message after filling out my personal information. I emailed about the situation and received a reply from Tanisha [snip]. She explained that the username/password has to be set up with specific characters (which is not stated ANYWHERE on your site for some reason). Once I followed the strict guidelines I was finally able to create an account.

6. It showed a payment on 3/3/08 so I figured everything was fine. I checked back the next day and then it said it was "reversed" and had a payment due date of 3/2/08 for the total of $254.70. I did not receive an email or phone call about it being reversed so I was very confused. I waited a few days for an answer and then ended up emailing Tanisha [snip] because I didn't want to have a late fee, or worse (I didn't want to make a payment and then have it kick the direct debit back in and ultimately make me pay double). I emailed her on 3/6/08 and did not receive a reply so I emailed her again on 3/11/08 - still no reply.

7. It's extremely hard for me to call Citi Financial because I'm PST time and when I get off work you guys are closed. I do Technical Support and am on the phones throughout the day so I'm unable to call during my work hours. Email is the best option for me but I've received very little help through it.

8. Someone named "Mrs. Thomas" called and left a message for me today and I called back within 10 minutes. I spoke with "Samson" in Customer Support and she was extremely rude and not helpful at all. I tried to explain the situation to her but she didn't want to listen and told me that I could make the payment over the phone but would be charged $15 (again) - this obviously isn't acceptable to me, especially seeing as I already set up direct debit through the website. She did mention that I shouldn't have been charged the $15 the first time because "E-Loan customers don't have to pay any fee's over the phone". Seems like she just contradicted herself there.

9. I called back and spoke with another Customer Support rep (who was MUCH nicer) but told me that there's a late fee on my account and that I'd have to pay $10 for the late fee and another $15 for paying over the phone. So the payment is going to be $25 MORE now?! I thanked her for her time and asked if I could speak with a supervisor. I was on hold for about 10-15 minutes and then the phone started to ring. I expected to talk with a supervisor but instead got a voicemail for someone named Alicia.

10. I tried my best to explain everything in the voicemail to Alicia and then had to hang up (the recording said I only had 15 more seconds to leave the rest of my message). I'm waiting for Alicia to call me back but I'm worried she won't (just my luck). If anyone could PLEASE reply back to this email and/or call my cell phone 951.907.8087.

I just want to pay the $254.70 that I owe and then let the direct debit $269 payments go through every month thereafter. I really don't think this is too much to ask and I'd really appreciate some help.

Please don't reply back telling me to call in about this situation because I've already called and explained it to about 5 different people. If you could forward this to a supervisor (or if you could forward this to "Alicia" in Customer Support - unlikely, I know) I'd greatly appreciate it.

I've been doing a lot of research on Citifinancial Auto and it looks like a TON of people are having problems with them too. At this point I'm not really sure what to do. It's Saturday March 15th and I've yet to receive a call or email from anyone at their company. I'm almost ready to give them a call and just pay the extra $25 and get it over with. Any suggestions? Thanks a lot!

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Posted by tnchuck100 on 2008-03-15:
You had better stop that auto-debit. That is going to come back to haunt you big time. NEVER let any company have access to your checking account. They will take any amount anytime they wish. You think you trouble now...you ain't seen nuthin' yet.

When you get this straightened out YOU make the payment through your banks web site 5 days before it's due. YOU control when and how much.
Posted by sandlizzard on 2008-03-15:
I don't think Citifinancial-auto would deduct any monies from your account. But the customer service is terrible. They are on auto-pilot to collect money. The supervisors are just as bad. Good luck
Posted by shaftscaliber on 2008-03-17:
Hey tnchuck100...

I'd rather not have it auto-debit but with them it's the ONLY way to pay (that I'm aware of) without them charging you a $10-$15 "processing" fee. I was just on their website and if you use the "pay now with your debit/credit card" link, it's broken...awesome huh?

And yeah sandlizzard, the customer service is horrible and the supervisors are just as bad. The few times they've called me back, it was always for money only. They've still yet to give a bill through email or regular mail (which I can't comprehend). I can't believe they're even in business!

I'm going to call them today and let them know that I'm recording all the calls now. If this continues on their part I'm going to take legal action (yeah I'm that upset now).

Thanks for the replies guys!
Posted by tnchuck100 on 2008-03-17:
I have never heard of mandatory auto-debit for any company. They may be trying to convince of that. If I were you I would look into what they are doing to you much more closely.

Do not pay through their website. They may well charge for that. Pay though your banks website. It works just like you wrote them a check and mailed it. Mark my words, if you don't fix this situation it will cost you further down the road.
Posted by DebtorBasher on 2008-03-17:
Auto-Debit is for the customer's convenience...not a mandatory policy. What if someone didn't have a checking account and used Money-orders instead?
Posted by shaftscaliber on 2008-03-17:
Here are their payment options:

By Mail (which I'm afraid to do because knowing them they'll probably say they didn't receive it or say wait to deposit it until after it's labelled late) - and not to mention I've NEVER received any bill from them in the mail (ridiculous!)

By Direct Debit or ACH (which I signed up for but didn't seem to work if you read my review above)

Check or Debit card by phone (which incurs a $15 payment over the phone fee - no thanks!)

Western Union Quick Collect (which costs $12.95 to process and you need to bring your payment in CASH to a Western Union bank - sounds like a huge pain!)

MoneyGram ExpressPayment ($8.95 processing fee and you must bring your payment in CASH to the location)
Posted by tnchuck100 on 2008-03-17:
You seem to keep avoiding what I am telling you about using your bank's website to make the payment. It works just like mailing. And it leaves a trail.

If your bank doesn't support this you have not said that.
Posted by TallCarl on 2008-03-17:
Tim, sounds like you and I are dealing with the same lack of customer service issues at Citifinancial Auto. TNCHUCK100 had a good idea; I make payments thru my bank now (since Citifinancial Auto has messed up my acct.and restrict payments online, even though it is their error. If you bank has a relationship with them,U can make payments that will show in just a few days. Good luck - we should all start a Class Action against Citifinancial, I think we could win.
Posted by shaftscaliber on 2008-03-17:
Hey tnchuck100 - sorry I wasn't trying to avoid comments about using my bank to pay for it. I was replying to DebtorBasher's comment (sorry!) Yeah, think I'll start doing that, thanks!

I called them and spoke with a very nice person named Amanda - she was helpful and said that she'd do her best to make sure they get in touch with me about my situation.

Right before I called I figured I'd say screw it and just pay their stupid fee's. I ended up paying $25 more than I should have but if it helps me end this nightmare I'm all for it.

Really appreciate all the help guys!!!
Posted by angies3cents on 2008-04-02:
Hi shaftscaliber! I agree with you 100%. Due to some unexpected medical issues, I became late on one of my payments. I began receiving numerous calls daily from the collectors however was unable to speak with anyone due to medical issues. When I was able to call someone, I was told I should have planned for this unforeseen event and I must be a crazy to think someone would believe I was unable to pick up a phone and make a call while I was in the hospital. I was also called a liar. My whole purpose for the call was to see about clearing up my late payment and getting my account back on track. The representative that I spoke with said he was unwilling to work with me until I made a payment. I, again, explained that I was unable to make a payment that very day due to not working for over a month. I, again, was called a liar because the collector had been leaving me voice mail messages at my job for several days, therefore he assumed (im guessing) that I WAS working because I have voice mail set up??? I then told the representative that I wasnt calling to argue, I was only calling to make arrangements to clear up my account. I was then told by the representative that he couldnt do anything for me, or provide any info until I am able to make a payment. I asked to speak with a supervisor. The supervisor told me I would need to make a payment immediately or my vehicle would be repossessed. Can someone please help me???!!! What can I do? I dont understand why they call 5-10 times a day, only to ask for a payment, not to actually help get the account cleared up? Any advice???
Posted by shaftscaliber on 2008-04-02:
A user emailed me asking for suggestions cause the same thing is happening to them so I emailed them with the following information below:

Luckily for me it had a fairly happy ending. I emailed every email address on their website stating that I'm extremely fed up and that I'm going to take legal action if it doesn't get resolved. I also called and said screw it and paid the car payment before it became 30 days late (I was worried it was going to affect my credit score...or worse, have them impound my car).

I talked to a very nice and friendly lady (which was a shock...I though they were all a-holes there heh) who told me that they already have a case open for my account (so I know they got the threatening email) and that they would be getting in touch with me shortly.

They never got in touch with me, but they did lower this months car payment by $40 (they owed me $60 all together I believe).

My advice would be just to send them an email explaining everything (step by step) like I did. Hopefully they'll fix the problem for you. Goodluck!!!
Posted by patty186 on 2008-04-04:
This EXACT same thing happened to me withE-Loan and Citi around the same time. It took me two hours on the phone with 9 diffrent departments and people to get the credits. I would not hang up until I received the credits. I recently paid the loan off in full so I would not have to deal with these idiots any longer. My check cleared my bank for the pay off on 3/31, they will not send me my title until 4/8 because it is "company policy" I even offered to dive to one of thier offices to take cash with me to get this finished, they said no, no cash payments. RUn from Citi as FAST as you can!!!!!
Posted by TallCarl on 2008-04-15:
here's an update to MY issue with Citifinancial Auto, and how I finally got it resolved. Maybe it will give you an idea. Good luck.

(copy and paste) http://www.my3cents.com/showReview.cgi?id=33012#comments
Posted by Anonymous on 2008-04-15:
Thanks for following up with us on your M3C complaint about Citifinancial Auto. It's always appreciated when someone takes time to give us follow up! Best of luck in the future!
Posted by Deet on 2009-03-10:
I pay online from my Bank account program - easy and convenient.
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Skip a payment: Letter and subsequent problems
Posted by Talk2vam on 02/03/2008
ABILENE, TEXAS -- Here is a copy of a letter (email) that I have sent to their "executive response" email about a problem that I have with Citifinancial Auto and copied to their customer service email:

1. You need to do something with your procedures when someone calls in. To be totally ignored and treated as a liar and a thief is unacceptable. On January 27th a man by the name of Frank from telephone number 1-817-835-3291 called me. He asked me if I was going to make my car payment for January (2008). I told him that I had received a letter in the mail back in December (don't remember the exact day that the letter was received) offering “skip a payment” and had taken Citifinancial up on the offer. I received it after I had made the December payment so when I called on December 15th, the “skip a payment” went into effect for January. The person I spoke with on December 15th (whose name I did not get) said that it was processed and that the next payment would now be due in February. He was very congenial and nice. I wish now that I had gotten his name. It never occurred to me that a company could so mess up a simple concept as this or that one department wouldn’t have a clue as to what another department was doing in the same company! I told this gentleman who handled the ‘skip a payment’ that this was great and well-timed because I could use that payment to put tires on the car, which I did at Wal-mart:

Transaction Details
Description: WAL Wal-Mart S 12/15,ABILENE TX \
Posting Date: 12/17/2007
Amount: $340.78
Type: Check Card

On January 27th, Frank was rude to me, treated me like a liar, insinuating that no such letter existed and again wanted to know when I would be making my payment. His tone of voice was insulting as well as his words. He asked with a sarcastic tone, “Well, what was it? Did you have medical expenses that caused you to ask for the skip a pay?” I told him NO, that the offer was made to me with no strings attached and that I had not initiated it at all. He acted as if I had just lied to him. He gave me a number to call, (customer service?) 1-866-917-7842. I tried immediately to call but evidently that office is closed on Sundays. I called on Monday, the 28th and spoke with Janet who transferred me to Natasha who transferred me to Christie. Each time I had to explain why I was calling. While on the line with Christie, we lost the connection so I called back and spoke with Brittany. I again explained the situation. Brittany was very polite and said that she would send an email to “skip a pay” to Charlie. Brittany told me that Charlie would research this and get back to me within 2 business days. I waited but never received a call. On February 1st I called 1-866-917-7842 and spoke with Dixie who immediately asked for my account number or ssn.

I gave her my ssn and she immediately transferred me to the department that started this whole mess – who of course we know now would only transfer me back to the customer service department. I hung up and immediately called back. I again got Dixie who said that it is company policy to transfer the call and she again transferred without any discussion. I hung up and I called back again. I tried asking for Brittany but Dixie said that she couldn’t transfer me to Brittany without a last name. Well, of course, we all know that your people don’t give out last names so once again, the customer is screwed. I refused to give my number and asked for a supervisor. Dixie argued with me but I insisted and was transferred to the “supervisor.” Naturally, you know what happened. Uh-huh, I get the managers station and NO ONE answers but I get the voice mail. I leave a detailed message for someone to get back with me and left my cell phone number.

NO ONE has returned my call; however, your collection department sure can find time to call and harass me. I am at the point now that I am seriously considering buying a tape recorder and recording all conversations between myself and your company. If this is not resolved by the 8th, I will file a complaint with the Better Business Bureau and I will turn all data and tapes over to the state for Deceptive Trade violations. I might even put a small ad in our local paper asking if anyone else has had this problem with your company. If one person can't get action maybe a group of people can.

2. This whole mess started because of a letter I received from your company to “skip a payment.” I called on December 15th and first got the automated response system. I decided to get the balance left on the loan at that time too so your system should show that I obtained that information from the automated system. Right after that is when I spoke to one of your representatives about the “skip a payment” letter and told that it was processed and that the next payment would be due in February.

3. I regret the day that I refinanced with your company and left HSBC. Getting a lower interest rate was not worth this hassle.

4. I refuse to make any further payments until this is resolved. I was ready to set the February payment on January 27th to be paid on time through my bank’s Bill Pay system until FRANK from number 1-817-835-3291 called me. At that time, I decided that this had to be straightened out before any more money transfers from me to you.


I want a WRITTEN response to this email. You can respond via email but if this problem persists I will INSIST that all communications take place by certified mail or, if verbal, only in the presence of a witness on my end or a taped conversation. Once I receive WRITTEN correspondence that this has been resolved, I will initiate the February payment through my bank's Bill Pay system.

As a note to anyone reading this complaint I have filed here on this website:
I have never been late on this loan. In fact, this loan before now was helping my credit rating which is what I wanted it to do because I had been through some rough times for about 8 years. This loan had bumped my credit score up quite a bit. My recommendation is to avoid Citifinancial like the plague. If already in an agreement with them, do everything with documentation in mind. Get all names, keep everything in journal, and everything in a file all by itself!
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Posted by Hugh_Jorgen on 2008-02-03:
I know you are upset with them, but if you don't make the February payment, someone at Citi is liable to see you as two payments behind and they most certainly will reposess your car. If you have the letter, can you fax it to them? That should clear it up. Best of luck.
Posted by TallCarl on 2008-02-04:
talk2vam - hi, you sent me a comment on ripoffreport dot com and it seems we're deaing with the same issue. I'll update my link there and here (my3cents) when and if there is a resolution. As far as faxing or mailing a copy of the letter, yeah, good luck with that. They loose even electronic notes mysteriously..there's little chance a hard copy will actually do any good. I do recommend you stay current on any "other" payments... I would normally recommend you call them and request a differred-payment, but apparently, they can't even process that correctly. I have never dealt with a company whose processes, from A to Z, where as badly broken as Citifinancial Auto's. Hopefully, some class action will evolve from this and Citi will finally be taught the simplest of lessons: Own Your Customer's Problem from Beginning to End and Admit When you are Wrong. Citifinancial Auto is no-where close to that I'm afraid...don't think they ever will be.
Posted by TallCarl on 2008-04-15:
See my update here: http://www.my3cents.com/showReview.cgi?id=33012#comments

Perhaps it will help you.
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Posted by Emmommy on 03/29/2006
JACKSONVILLE, FLORIDA -- I have had about 30+ calls from Citifinancial looking for a person with a similar name as mine, who apparently owes them money. I have explained to them that they are calling the wrong house over and over and OVER again. I've even stayed on the phone for 30 minutes or more to talk to a supervisor and have them lose my number. Nothing works. They are rude and they keep calling. I DON'T HAVE AN ACCOUNT WITH THEM NOR DO I OWE THEM ANYTHING. I want to file a complaint at the company but not sure how. The company seems to have a big office in Minneapolis, MN so I've sent a complaint to the MN attorney generals office, but I don't know what else to do. I've tried just ignoring the phone calls and messages, but I'm so angry now because they are violating my rights and I want to fight back.
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Posted by Anonymous on 2006-03-30:
Just a thought but don't you think talking to them just makes them keep calling? I worked in a collections department and the collectors think everybody lies and the more you talk, the more fuel you add to the fire. I would suggest doing anything further in writing, including contacting the attorney general (I think you said you were considering that) or an attorney.
Posted by viperpa33s on 2006-03-30:
I agree, you need to talk as little as possible with them. Unless they have documentation to prove that it is you, they have no leg to stand on. There are laws to prevent collectors harrassing people. You can also file a complaint with your state banking commission. You also need to contact your own state attorney general. I wonder if it could be a case of identity theft?
Posted by Mad Eye Moody on 2006-03-30:
Call them back and ask for a supervisor - tell them they've got the wrong person and you've made that clear to them every time they call...as an aside mention that the number of calls you've received constitutes harassment; tell them you've already decided to contact authorities, and a lawyer. Tell them that it might be best to correct this issue now so that they have at least one documented instance of trying to resolve the issue their credit to show the judge; Tell them you're sure citibank doesn't want to share equal blame for the actions of one or two of thier unsavory reps.
Posted by McCujo on 2006-04-06:
That obviously shouldn't happen and with a little effort you can make it go away. With a tape recorder you make even me able to make a little dough on the deal. Make sure to file a complaint with the Atty General, the BBB, and the FTC and on CitiFinancial Auto's web site. You can do them all on line and it should make everything go away. If you continue to get calls, make sure to save the messages and sue them in small claims. $1k per violation can add up quick.
Posted by octopuschick on 2006-12-14:
you can't record conversations on the phone. You don't have permission it would inadmissable in court. Call the company state you will sue them if they continue to call. Record it on caller Id. Could be that someone at some time sd they aren't here or I'm her/him which would indicate you are trying to get away now. So watch what you say when you pick up the phone
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Harassing Creditor Calls
Posted by Rainsong1121 on 08/19/2005
FLORIDA -- 2 months ago I received a call at my work from a collections person employed by Citifinancial Auto named Richard Morrow. He was calling in regards to my delinquent payment. I informed him that I am not allowed to receive calls at work regarding personal matters. I told him that I was happy to make payment arrangements and requested not to be contacted at work again. One month later, he called me at work again about another payment. I informed him a second time that I was not to have those calls at work. I reminded him that he was told the last time not to call me at work. I made payment arrangements and took care of that payment. My July payment was past due and on Monday my money order went out in the mail. I called Citifinancial Auto to tell them that I had made the payment and told them when to expect my August payment. Well this morning, Richard Morrow called me again. I was angry by this point because under FDCPA guidelines it is considered harassment for a creditor to continually call you at work after you have either verbally or in writing request that they not call you at work. I angrily told him that this is the third time I told him not to call me here. He said, "Well I'm really not concerned about that right now. I'm concerned about this payment". I told him that I already called to report I made a payment via money order. He questioned me and asked if I had proof of a money order number. I sure did and I gave it to him. After I got off the phone, I called back to get a mailing address to mail a complaint letter to his supervisor. Richard answered and refused to let me speak to his supervisor and put me on hold continually for over 30 minutes. I hung up and called back and he picked up the phone and put it down. I heard office noise going on in the backround but no one was on the other end of the phone. I am about to seek legal advice if I don't get the name and address of this supervisor within one week. Richard Morrow will be sorry he ever knew who I was because he'll be out of a job once I get ahold of his supervisor.

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Posted by D.B. on 2005-08-20:
"I was angry by this point because under FDCPA guidelines it is considered harassment for a creditor to continually call you at work after you have either verbally or in writing request that they not call you at work."....actually you are a little confused here. What the FDCPA does say about calling a debtor at work is from Section 805, Paragraph A, line 3:
"a debt collector may not communicate with a consumer in connection with the collection of any debt --3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication." The letter writer never indicated that it was against the employer's wishes to be called, it is her wish to not be called at work. Please be sure you know what you are talking about before you try to start sounding more legit by quoting "legal" things.
Posted by sweets on 2005-08-20:
If you have asked ANY one not to call you at work then BY LAW the have to remove your work number and never call it again!!!! contact your attny and the head office of the company as well as put it in writing just to coveer your ass! If you lose your JOB because this company keeps calling you at work you could have one hell of a law sute on your hands as well as sueing the collector. Keep track of times and dates and give it to your attny.
Posted by Phe on 2005-08-28:
I imagine they've tried calling you at home, when you conveniently don't answer the phone. This is called getting on the wrong side of a collections agency, and they will pester you until you pay what you owe. Maybe, in the future, don't buy stuff you can't afford.
Posted by Tia2 on 2008-07-30:
I just received a call asking if this was Tia, I said yes. She asked if I knew so and so. I said no. She asked again saying it was a neighbor and i again said no. She said she lives 3 houses down from me. I said again i do not know her. She said thanks, goodbye. This woman at citifinancial got my name out of the phone book to call and harrass me to collect from a neighbor i do not even know!
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Bank Charges You To Pay Them!
Posted by Wld8hrt on 04/12/2008
CitiBank CHARGES you $15 to make your online payment. I am not talking about making a SAME DAY payment, just your regular, monthly payment.

When asked they said "Oh, it's not us. It's the payment processer that charges that fee." You can't tell me that CitiBank can't process their own payments! They told me there was NO WAY they could process a fee without the charge. Of course, this was until I spent over 1/2 an hour arguing with them (they were so rude I refused to give up)and waiting for the "unavailable" supervisor. Then, finally, they took my payment without charging me. A modern day miracle!

Obviously what they want is for you to forget to send a check with the hectic lives we live so tghey can charge you a late fee or charge you a fee for online payments that NO OTHER bank/merchant, etc charges me.

I feel like I am dealing with loan sharks, the mob or the bully from 5th grade.
I am taking my loan elsewhere and suggest you do the same if for no other reason than this low-life policy.
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Posted by Anonymous on 2008-04-12:
From their web pages: "You can now make your monthly payment online. We have provided you with a link to SpeedPay - a service provided by a third party that allows you to make payments using a bank account or debit card. A fee may apply"

SpeedPay is operated by Western Union. So go figure why citifinancial auto, a subsidiary of citibank, can't process online payments. Probably another pure profit item.
Posted by Anonymous on 2008-04-12:
Absolutely, Passingby!!! Odds are, Citi gets a dollar or two from every transaction in consideration from SpeedPay. Everybody, except the customer, wins.
Posted by Anonymous on 2008-04-12:
I totally agree with Doc and PassingBy, you just can't win anymore with banks.

If the American people ever allow private banks to control the issue of their currency, first by inflation and then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their fathers conquered.
-Thomas Jefferson
Posted by Anonymous on 2008-04-12:
Outstanding quote, Liddy. I would have voted it 'very helpful'. Unfortunately, the only selections available are "report Spam" or "inappropriate content/harassment".
Posted by Anonymous on 2008-04-12:
LOL!!! That is par for the course... LOL!
Posted by Anonymous on 2008-04-12:
It's absolutely free if you make the payment from your own bank's website. And even better, you don't have to give up your confidential account information to a third party that you know nothing about.
Posted by tnchuck100 on 2008-04-12:
Ken, you hit the target dead center. (BA)
Posted by Anonymous on 2008-04-12:
Ghost, I voted Lids "best answer" on your behalf. :)
Posted by moneybags on 2008-04-14:
Paid Citi off last month! AMEN
Posted by shugaree on 2008-07-26:
I never thought to make my payment through my bank and save $15.00.I can go to my banks website and go to my payment manager and set up my payment on a specific date and a check would be mailed to citifinacial.They wont be getting an extra $15.00 from me ever again.
Posted by DVRoth on 2009-02-17:
I can't stand Citi. I tried to haggle on the phone over my $15 but didn't have as much luck as wld8hrt ... I found another way that was much better -- there was a $7 fee but chargesmart.com worked pretty well. Plus i was able to use my credit card and get airmiles. Still a pain, but much cheaper than Citi's Speedpay option...
Posted by mike on 2013-09-26:
that's not all. when I got my statement last month the balance was $500. called today for a payoff amount and they informed me since I was paying it off early I would have to pay $200 dollar service fee. they told me I could avoid the fee by borrowing more money, I said no ill pay it just to get out from under you crooks.
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Citifinancial Auto needs to be audited
Posted by Ibehere on 10/26/2009
COLUMBUS, OHIO -- I have had Citifinancial Auto loan for over 2 yrs.
I have never been late on one payment. I was laid off in August of this year. I was 8 days late making payment.
I have contacted citifinancial on daily bases.
They are the rudest people and not helpful at all!!!
They have put me on hold so many times I gave up counting and trying to keep a log of my transactions with them.
Most of the representatives do not speak good English. I had no idea what one guy was saying and asked him to spell the word he was was attempting to pronounce. That made him really mad. It was the word "Bills" He had to be of Africian decent. He had a very strong accent. It did not even come close to what I was hearing. He got so fustrated with me he put me on hold and never came back to pick up the phone. So I went into the phone call pool. This went on for over an hour. I asked 4 times to speak with a supervisor. Got no where with that. Finally I did get a women that was an American and I could understand the lady. She understood me perfectly.
She was very helpful and I hope we got this mess straightened out. I am suppose to call back tomorrow for more of the nightmare at Citifinancial Auto.
I do not know how to get rid of the financial loan with Citifinancial. I am going to check into trading this car in and going with another loan carrier. This company is horrible. Ask ask ask, before you get involved with this company. I had no idea what I was getting into. But as long as I was ontime with my payments I never had any problems to speak of.
I like the others pay my bills through my bank. NEVER NEVER let anyone draft from your bank account. That is the worse thing anyone can set themselves up for.
I just hope I can get out of business with Citifinancial Auto ASAP. NOT RECOMMENDED TO ANYONE ON THE PLANET.
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Posted by Anonymous on 2009-10-26:
You've got some contradictory statements there.

"I have never been late on one payment."

But, then you say.

"I was 8 days late making payment."

That's a late payment.
Posted by Anonymous on 2009-10-26:
As for how to get another lender, that should be pretty obvious. APPLY with another bank for the auto loan.
Posted by ibehere on 2009-10-27:
Well You are right. I have never been late until this month. I was laid off in August and this month has been stretched as far as it can be stretched. I am trying to work with this group of non professional people to get some help with lowering my payments while I am in search for a much needed job.
And as far as getting another auto loan. The Obvious is NO JOB...NO LOAN........
I didn't post on this board because I have nother better to do.
I should of added in my 1st post that I was recently laid off. If no one has experienced the stress of supporting yourself without employment is in a world that I hope they remain in. I am single and have supported myself for over 30 yrs. Lets just say I am in a much better circumstance than some people in this horrid economy.
All of this nonscense with citibank could be easily worked out with some from the company.
I have no intention of ruining my credit needlessly.
Posted by RestaurantGuy on 2009-10-27:
ibehere I don't think you will be able to get rid of them and get a new loan on the car being unemployed. My best advice to you would be to try and work out a deferment(sp)with them. It can be hard to do but you have to get to the right people at the bank. They don't want the car back anymore than you want to give it back. Keep having them send you up the ladder as the people answering the phone can't do it. Good luck and I hope you find a job soon.
Posted by jktshff1 on 2009-10-27:
good luck ibe
Posted by sugarlips on 2010-04-07:
CFA will NOT help you get lower payments... I've been asking for 2 years. They will not 're-finance' their own loans. They are COMPLETE aholes. I hope they get shut down SOON!!
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Beware Worst Loan Company!!!!!!
Posted by Past-pissed on 10/20/2009
I have a car loan with CitiFinancial Auto and let me start out by saying they are the WORST loan company bay FAR!!!!!! Not only are they the worst to deal with the employees are dishonest, and unhelpful. I lost my job so as a reduce in income I called Citi about a loan modification. They kept saying they could help. Finally they said they would fax me the paperwork for a amendment. I waited 1 week and still NO fax from them. So I called them to see where the paperwork was, and again they said oh we will fax it over. Needless to say it took them 3 weeks to fax me the paperwork. By this time they said that the 30 days had ran out(this is how long they give you to apply for a amendment.) So they made me make another payment before they would even look at the paper work again. This was the 2nd time they had made me make a payment while trying to do this amendment paperwork. The day that they finally sent over my fax I signed it and faxed it right back. A week later I get a email from them saying my payments late.....so I call them again.

They say they never got the fax!!!! The day I faxed this I sent it twice to make sure they got it. So I re-faxed it to another number given to my by yet another nasty representative, then they said call back in 2 days and see if they received it. SO this morning I call again the first time I got one NASTY women and after telling me they ONCE again didn't receive my fax I was pissed!! I mean who wouldn't be? So now I have sent it over three times. So I tell her this is ridiculous and I want to talk to a manager, she yells at me and hangs up!! Are you serious? I called back and talked to someone else and they told me to fax it AGAIN!!!!!! I'm really so sick of this "well we didn't receive it" Crap! So seems to me like they are dragging this out just so the 30 day amendment application period is up, so once again they will make me pay another payment before starting this process over. This time I was given yet another fax number to send this too, and told well if they do get it, nothing will be updated for 32 hours. Now play the waiting game.....wait yet another 2 days to call them and see if they received it a third time. I can't wait until my car is paid off and I never have to deal with this company again. BEWARE when calling and talking to the representatives they are untruthful, and NEVER do what they say they are going to. And if you too are in a rough financial situation like a lot of us are right now....and you apply for a amendment be ready for all of this Bullsh**!
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Unbelievable Employees
Posted by Wendy70 on 11/13/2006
BEDFORD, TEXAS -- I have had a run in with Citifinancial Auto. I recently had to file for disability and was told by a credit counselor that we could call Citifinancial and ask for an amendment on our car loan. I did just what they suggested and one the first phone call I got "I don't know what you're talking about." On the second phone call, I was told that there was a program called a Loan Amendment and that we would have to apply for it. She asked for all of my financial information and she forwarded all of it to "the department that handles that." I never heard anything back. So, I called and there was no record of my conversation with the lady and now I need to give them all of my financial information again. They said to give it a few weeks to process and then call back. I called back and then I was told that they had to have written documentation of mine and my husband's income and other financial information and that I should "fax" it to them so they could process it faster. I faxed the information and waited a couple of days and called back. Then I get, "We have to have all of your documentation in before we can process the Amendment." I told them I had sent all of the information by fax and she said, "well, we don't have it. Fax it again." So, I faxed it again. I waited a couple more weeks and called back and then was told that the Amendment was placed on hold because there was a payment due. I paid the payment and she said she would forward it to "that department" again. I still did not receive any call or letter about the Amendment. I then called back and was told that there was documents missing. Our proof of income that I had faxed twice before. I refaxed this again after several phone calls requesting supervisor's and "this department" and got nowhere. Then I called back and they said that the Amendment was approved and that the paperwork would be mailed to me. I asked about the new payment amount and due date and she said she did not have any of that information because it was mailed to me. She said to wait a few days and call back if I did not receive it. I waited a week and called back and they said they would have to resend it. She said to give it a few days and call back if I still did not receive it. I called back a few days later and was told that they had to "redo" all of the paperwork and do the process all over again and that I would need to fax them my income, AGAIN. I asked to speak to "that department" and was told that they did not accept phone calls from customers. I asked for supervisors and was transferred to team leads. I asked for managers and was disconnected, told "they are all in a meeting", and was transferred to voicemails of people I had never heard of. I left a total of 4 messages and received only 1 return call. She called me while I had company at my home and I told her I could not talk about it and she said that if I couldn't talk to her then, I would have to wait 3 days before I could speak to her again and then I would have to leave her a message and she would "try" to call me back. This has been going on since August of 2006 and I have not yet received an Amendment. According to the credit counselor's, all finance companies offer these types of Amendments and they are required by law to let you apply for them. It's so convenient that we have been given the run around. Sounds to me like they don't want to give the Amendment, but are "playing the role" of letting us apply. Is there anyone who can help me in this matter. I have filed a complaint with the BBB and I would like to take it further because I have been verbally attacked, yelled at, hung up on, harassed by phone calls up to 4 times in one day asking for payments, and told I was a complete idiot because they knew more than I did and treated as though I made all of this up in my head. THESE PEOPLE ARE UNBELIEVABLE!!!!

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Posted by rhondam718732 on 2006-11-13:
I can see your frustration and it is all very rude & unfair. BUT...guests or no guests, you went thru hell to try & get someone to work with you on your request and when someone calls you put them off. It's not fair to you but if it were impt enough to you then your guests would have understood and 15 mins on the phone would have been worth it
Posted by Wendy70 on 2006-11-13:
That's just it. It is never just 15 minutes on the phone. I have to give a presentation every time and then I'm always put on hold or hung up on. What's wrong with them having to wait a few hours?
Posted by TallCarl on 2008-03-10:
Sorry you're having to deal with these guys. I'm dealing with them on a different issue, but get the same service (have to repeat myself everytime I call, no-one has record of previous calls, they don't see previous request, someone will call me back-they never do, or I can call back in two days and speak to supervisor - and the supervisor never seems to answer their phone or return messages. It would not surprise me if Citifinancial Auto is breaking multiple lending laws - Anyone know a good attorney who wants to take them on in a class action?
Posted by TallCarl on 2008-04-15:
Check my update here: (copy and paste)

Perhaps it will give you an idea.
Posted by handfull on 2009-02-06:
I have Citi as well and lost my job. I was late payments two months in a row and when I called to make one, I told the man I was sorry.....since the hurricane and I lost my job, I have fallen behind... He told me to call my account manager and get an amedment app filled out. I did and they told me they would try to lower my really high interest rate. I have faxed and called for 3 wks now, also 3 wks late on my payment. Finally, I called yesterday and he said again to give it til monday or tuesday. Today we got a fax! They cut our interest in half, saving us over $200 a month. We still have to sign the agreement, but it seems real enough to us. Also, since i haven't paid Jan 09 yet, they skipped that and Feb, next one due in March. Does this seem like something they are doing now? or are they gonna throw me around like that last person?
Posted by AuntieM on 2009-06-14:
This is basically the same thing that has happened to me!
My income was dropped in half due to the economy. So, I called Citifinacial Auto about the amendment. I faxed the paperwork twice (because they said they didn't get it the first time), called back the days they told me, did the over the phone evaluation and was told I was approved but had to wait for the final process, so I waited again and called back when they said to find out my new payment. Now I've been told that I have a late fee and my amendment was denied because I was late on my payment! I started the process 2 weeks before my payment date and was told it would be done 2 days before my payment was due. So frustrating! Now I have to pay my regular car payment, plus a late fee and start all over again on the amendment. :( What was the purpose of the whole waiting game? To get an extra late fee payment?

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StarEmpty StarEmpty StarEmpty StarEmpty Star
Bad company to do business with!
Posted by Waffles0609 on 03/28/2014
My ex-husband had procured a second mortgage with Citi Financial several years ago and I had to sign on it because my name was on the original mortgage. He passed away recently and it took some time to get the insurance money so in the meantime the loan got a couple payments behind. Since our minor daughter is the heir and wants to keep the property (along with the rest of his family)I tried to get the account up to date because they are threatening to foreclose but the idiots will not let me make a payment. They actually have been sending the bill to me, addressed TO ME but they now say they cannot discuss the account with me. Fine, so I asked if I could just send a payment to keep it out of foreclosure and they said I could send a payment but did not know if it would post to the account or if it would have any bearing on keeping it from foreclosure. No one would help me do something to keep the loan from completely defaulting and going into foreclosure. Even the supervisor of the guy I was trying to talk to was rude and unhelpful. When I repeated back some info she gave me to make sure I got it right she got snippy, and even when asking a general question she snottily said she cannot give out any information. The first mortgage company (which had the loan in his name, not mine anymore) was friendly and helpful and I was able to get the payment caught up. I would not do business with Citi Financial again if my life depended on it. I can remember back when I went to sign for him on this loan and thought how uncomfortable I was dealing with these shysters. I wish I could have talked him out of going with them.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Posted by Pkpearson76 on 10/17/2012
Citifinancial is full of [snip], they overcharge you with interest and when you call them back you they act like they can't find you in their system, but they don't have a problem taking your money. Don't ever get any type of loan from them. I would rather get a payday loan before I get a loan from them. I thank GOD I no longer have to deal with them ever again. Worst nightmare.
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Posted by trmn8r on 2012-10-18:
In what way specifically did they overcharge you with interest?

I can't imagine that it would ever be preferential to obtain a "payday loan" to a loan from a bank. That isn't possible, in my opinion. Payday loans have interest rates of HUNDREDS of percent, for example 390%. A payday loan is likely the absolute worse kind of loan, set aside borrowing from the mob and risking the ultimate late penalty.
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