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Harassing Creditor Calls
By -

FLORIDA -- 2 months ago I received a call at my work from a collections person employed by Citifinancial Auto named Richard **. 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 ** 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 ** will be sorry he ever knew who I was because he'll be out of a job once I get a hold of his supervisor.

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Almost Fraudulent Autoloan
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When I purchased my 2008 Mustang GT, I could only get financing through CitiFinancial Auto as I have no credit history. My interest rate is 16.99% and I am making my payments religiously. In April 2010, I started making payments early and adding funds to my payment to apply to principal balance only. I've made additional payments and noticed that the balance did not go down as anticipated if the principal payments would have been applied as intended. I have called their customer service # on 5 different occasions, and every time I am told that they could not apply anything to additional principal, unless your loan is paid up to two months ahead of schedule.

When asking for amortization schedule of the loan, not available. When asking to speak to a supervisor, the customer service representative in Pune, India either hangs up the phone or refuses to transfer the call. I am in the process to get this car loan refinanced with another financial institution, as the lack of US based customer service and improperly applying loan payments are against any proper business practices. Nowhere in the loan paperwork does it state that you can't make payments towards additional principal. Additionally, they are holding back depositing checks mailed in for 3-4 weeks in order to charge their daily interest to the loan to keep the balance high.

I wish Congress and the consumer agencies would review their lending practices for hard working, bill paying Americans. They seem to be more concerned about hiring Thousands of Indians and paying their $ 2000.00 per year wages, and pocket all the profits for their Bahamian resorts. What happened to the "Truth in Lending" bill just introduced? If I have to pay these type of fees and APR's, at the very least I would like to see my fellow Americans being offered employment in the US. I will refrain from giving Citifinancial Auto any additional business, nor will I give them a favorable recommendation if I'd ever be asked about their lending practices.

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How Come One Employee Tells Me One Thing The Other Tells Me Something Else
By -

I have been with CitiFinancial Auto for a while now and never once have I been satisfied with them. They are rude, poor trained people. I have been trying forever now to change my due date because it matches up when I get paid. Well they tell me no problem it has been changed. Well when it comes time that it was supposed to be originally due they call me with late charges. I am like what the heck. You told me my due date was changed. Of course they come up with some type of excuse. Then the worst thing was they signed me up where for 3 months my payment would automatically come out. That was for October, November, and December.

Well October payment came out without any problems. So I thought everything was fine. Well come December 16 I receive a phone call telling me I am 2 months late on my payments. Again what the heck. They first claim that they tried to take the money out in November but it came back insufficient funds which is bull. Then they told me that because I signed up using my debit card for the payments coming out that you have to verify it online. No one ever once told me this. First of all I know I should have kept up with making sure my payments were coming out so am somewhat to blame.

But where were the late phone calls at come November when my payment didn't come out. Like the ones I always got when I didn't make my payment because I thought my due date was changed. Second of all does anyone there know what the heck they are talking about. I can call on minute talk to someone who tells me to do this then turn around and call right back and someone tells me something totally different and still yet no of those ways are corrected.

Plus when I ask to speak to a supervisor they hang up on me every time. EVERY TIME! I am about to scream. I hate this company and wished more than anything I had never gotten this car. I hate dealing with these people. Please please read everyone else's complaints and do not do not get a loan through them.

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Jumping through hoops for a big goose egg!
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MARYVILLE, TENNESSEE -- Like the title says, I got to jump through a million hoops for nothing in the end. I am on a fixed income. I was getting a loan for $5000, which was specified by them on some papers I needed to have notarized(so they knew they were to loan me $5000 upfront, that was the understood loan amount). It wasn't specifically an Auto Loan, but a personal loan. Actually, the very first day I called and gave my income info and my granny's income, she told me "well the max will be $5000 to loan you." Being on a fixed income, I had to have a cosigner. My grandmother was cosigning. My mother is her Power of Attorney and does a lot of my granny's legal stuff. My granny doesn't get around so well.

So, after documents had been signed and notarized (the first document was "oops" the wrong one, their mistake, they couldn't accept that particular NOTARIZED document verifying a Power of Attorney for my cosigner), after many phone calls to get information, after she had said my loan is approved I just need a couple more things to bring like mine and my granny's proof of income (after I had already provided proof of income once which she said she must have shredded by mistake), we go to get the loan.

Shuffled into a little room in the back, we had to watch a video telling us "Thank you for your business" and the video basically tried to sell us loan insurance and disability insurance. Finally time to sign the papers. The loan officer said, "So, your loan is for $3500. Do you have a car picked out?" I said, "Yes, the car I have picked out costs $5000 even. 2000 Volvo S40. That's how much the loan was supposed to be for."

I was stumped. I didn't understand why all of a sudden there was some grand miscommunication. "Well, it's your income. It's too low." It was then discussed that maybe I could take this loan and maybe get another to make up the difference. Or do they have any cars for $3500? I got up and said thank you for your time.

She did inform us before we left that the loan would be a 21% interest loan for 48 months. The payment would be $120.00. I'm no math genius, but according to my calculator, that works out to about 64% interest. They must be using that "NEW" math! As far as I'm concerned, this is a form of "bait and switch". They tell you you're getting one thing and then try to sell you a substandard something else. So, if you want a lot of hassle for a lot of nothing in the end, go to Citifinancial!

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False Promises
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Do not get a loan with Citi FinancialAuto! If for some unforeseen reason you become behind on your payments. Nobody thinks it will happen but it does/can. My recent experience with them was horrible. I became 3 months behind on my car payment due to unforeseen circumstances. The economy is going down the drain and I get paid on commission so it doesn't help me at all. I set up 2 postdated phone payments with them to come out within the month of June one the 19th and one the 30th which the representative that I spoke with said would cure my account or catch it until my July payment. Which I thought would be great.

I had to go without lunch unless it was slow enough for me to come home, I had to use my change in my car to get water at gas stations out of the fountain so I wouldn't dehydrate I had to borrow money from family for gas to go to work which I hate borrowing money for pride purposes If my girlfriend wanted to do anything she had to pay for me which is OK when I can pay my own way or pay for her to do something else but not when I can't again a pride thing It was horrible but I thought it was worth it until today July 6 I get a phone call looked at my caller id and it said Citi and my first thoughts what could they want.

They told me my account was 22 days past due. I'm said that can't be I just set up arrangements and I see on my online bank statement where they both came out no problem. Well apparently the first representative lied to me or told me false information and to cure an account just means collection calls will stop until the postdated check comes out. Which I think about it and I say you all have a poor choice of words that doesn't cure anything that just delays the inevitable I mean if you cut out half a cancer tumor and leave the rest the person isn't cured of cancer so they wouldn't say they was cured.

My advice is do not believe any of them they will say whatever they want just to get you to make a payment so don't believe their false promises get it in writing. Which is a horrible thing to say about a company as big as Citi. P.S. they have called my grandmother giving her information about my account and asking for a payment. My grandmother isn't on the loan she isn't responsible for the loan and they shouldn't give out my business like that.

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Do Not Finance With CitiFinancial Auto!
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COLUMBUS, OHIO -- I was 19 years old when I bought a truck from Jones Junction in Maryland (another place I should write a bad review about). I will be 22 next month. The truck's sticker price was about $30,000. My $200 Macy's store credit card might as well have counted for nothing on my credit report, compared to the $30,000 I "needed". That's when I asked my mom for some help. She put the loan in her name, and I co-signed. My monthly payment is $661.00.

I (not my mother) have paid every payment on time (if not 2 weeks early), sometimes sending in $700.00 (does this even show on my credit report?). I am 2 payments (months) ahead - Only about $358.00 of the $661.00 goes toward the truck - the rest is toward pure interest! By the way this loan in for 6 years - which means almost $20,000 in interest they will have collected from me when this is paid off! And now I have myself a truck that, when all is said and done, was about $50,000.

Back on track. I called CitiFinancial Auto to ask them if there was anything I could do to get a lower monthly payment. The first **, told me that CitiFinancial Auto does not refinance their own auto loans - gave me no other suggestions or options. So I emailed them. They said call us. The second **, went a step further, as to look at my account, saw I was 2 months ahead and not struggling by any means - therefore said they do not help anybody who doesn't need help although I have "only" 3 years left of payments.

My (near) future is sure to bring in more expenses, and fast - wedding, home buying, children, etc. It disgust me that, we taxpayers just bailed these guys out, and they won't work with you, period. Not even a little! I'd be kind of happy if they knocked 60 dollars off the payment. They are by far the most awful financial people I have ever dealt with. STEER CLEAR OF CITIFINANCIAL AUTO!

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Unethical Business Tactics
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OHIO -- I have had an auto loan with this company for five years. I have always had the loan on an automatic deduction from my checking account. The final payment was due December 2008. I was out of town for the holiday and returned to find three messages and two letters stating my account was past due? I immediately called to find out what the problem was and why the final payment wasn't taken out of the account as it has been the past five years. I was told if I read my agreement I would have found out they do not take out the final payment?

I asked the agent what would provoke such a policy and she went on about deferred payments that could cause a final payment to be $1000? I asked if this was a scam in order to access late fees and additional fees from people in an effort to pay off the debt? She did not even comment. She went on to explain they could take the payment over the phone if I had a debit card. I asked what the fee was to do so and she said $14.95. I told her no way. I would mail in the payment since it would not be more than 30 days past due. I asked her for the pay-off amount and was given an amount different from the original amount she was going to bill my debit card.

I was told that was the amount for today. Since I was paying by mail it would be more???? I told her I would mail out the payment first thing in the morning and requested that I be taken off of their mailing list and their calling list that I did not want any future contact with their company. She told me she didn't handle such and gave me a number to call. I was told not to call before making the payment or they would send my account back to collections. I thanked her and hung up. I hope this is the end to this madness. I advise those of you seeking a loan to avoid CitiFinancial at any cost!!

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Citifinancial Auto Fails Completely
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COPPELL, TEXAS -- Here's the short version. On 12.08.07 I called Citifinancial Auto to take advantage of a Skip Pay Program Letter I received inviting me to "Take a Break from my December Payment" and that all I had to do was call the 866 number on the letter to take advantage of it. I spoke to a "Chris" who stated that my next payment due would be 01.15.08 and that the Skip Pay is processed.

Shortly after taking advantage of the Skip Pay letter, I begin receiving collection calls stating that my account was past due. I explained to the collection person what I had done (Skip Pay). He stated I would continue to receive calls until I made a payment.

To make a very long story short, after multiple (and well documented) calls to the Customer Service, Skip Pay, Differal, and Collections area, not only have they failed to process the Skip Pay, but the "differal" that THEY recommended I do ("make a payment, and we'll differ the next month's for you") is not processed either. Each time I call to check on the differal, the operators claim that they have no record and that they need to route the differal "to a manager". As of 02.04.08, my differal is still not processed.

In addition to filing a complaint with the Better Business Bureau, I have sent a complaint letter to Citi's main office in NY and Citifinancial Auto's office in Coppell, Texas. Avoid using Citifinancial Auto at all costs! Their customer service is non-existent, they are openly and repeatedly breaking FCRA Federal Regulations (in my case) and completely fail to be able to correct errors that they themselves have created. My next step is to forward my timeline of events to an attorney. I wish there was an attorney willing to take them on. I know we could win. We'll see what happens.

UPDATE: 04.15.08 - Though it took over 4 months, as a result of the contact from the S.A.G Office-Florida, Citifinancial Auto has finally corrected their error (I called to verify). I received a letter from Citifinancial Auto and the S.A.G - Office in Florida regarding the resolution. Although the error is corrected, Citifinancial Auto, in the letter, still admits no wrong doing. Instead they state "The offer is no longer available..." and then proceed to list the actions they took to correct the issues I was complaining about.

Again, anyone considering financing (or refinancing) their vehicle should RUN from Citifinancial Auto and use someone else, based both on MY experience and the fact that others here at RipoffReport.com have gone through the same thing.

Inept, unreliable, poor service, lack of communication, lack of customer service, repeated errors, lack of accountability, lack of due diligence, and (until corrected) clear violations of lending law and credit reporting law are reason enough to avoid Citifinancial Auto at all cost!! My thanks the Florida State Atty's General Office for their action!

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Customer Service
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We purchased a car in 2001 with financing from a local lender. During the course of the loan, the loan was purchased by Citifinancial Auto. The final payment was due in August 2006. Our normal monthly payment was approx. $350. In August we were informed the final payment would be approx. $1300. After numerous phone calls, countless explanations, and an infinity spent on hold we were informed that the original lender had attached two months worth of insurance and the interest on that had inflated the loan amount.

It took three months for our insurance company to prove to Citifinancial that we had insurance for the entire length of the loan. We reached an agreement that the final payment would be $420. However, before we could pay the $420, Citifinancial repossessed the car because the original $1300 error was now more than 100 days past due. One part of the company does not talk to the other part of the company. Each time we called we were shuffled from one person to the next and had to explain our case to each person.

We were constantly on hold. In the end they insisted that it was our fault because we should have overpaid by $900 and waited for them to correct the error and refund the money. That may have been what the contract called for, but was that good customer service? We have paid the $420 and they still have our car. I will admit that we did drag our feet and waited 20 days to make the final payment (they wouldn't accept it over the phone) after it took them 3 months to determine the correct amount, but did that warrant the forfeiture of our $10000 truck for $425?

And, why is it that we have wired them the money and not received the vehicle back? Why were we constantly put on hold and passed from person to person when we tried to resolve the issue? After 5 years of on time payments we were treated like deadbeats because we were 20 days late paying the $425.

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Bank Charges You to Pay Them!
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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 processor 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 they 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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CitiFinancial Rating:
Star Empty star Empty star Empty star Empty star
1.0 out of 5, based on 2 ratings and
38 reviews & complaints.
Contact Information:
CitiFinancial
PO BOX 9575
Coppell, TX 75019-9575
1-800-486-1750 (ph)
1-888-249-5595 (fax)
ww.citifinancialauto.com
auto.customer@citi.com
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