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How do I get another copy of my auto lien release
Posted by Mbuzz on 02/22/2012
I need to get a copy of my auto lien release that I misplaced about 6 years ago, and can't seem to find anyone at Citi financial to get that sent to me. Does anyone have an email address and phone # so I can obtain that? Thank you!

     
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Posted by MDSasquatch on 2012-02-22:
If the lien was released, you should have received a clear title from the DMV; if this is the case, then a lien release is not necessary. But,if you still need the lien release, I would call Citi Financial and ask to speak with someone about your auto loan payment. It's a bit sneaky, but it will get you in the right department at least.
Posted by steph on 2013-02-23:
HOW DID YOU GET LIEN RELEASE HAVING THE SAME PROBLEM
Posted by VP on 2013-07-19:
I did some research this afternoon, and I found out that CitiFinancial Auto went out of business in September, 2010. I spoke to a CitiFinancial office, and they gave me the following contact info, for people who need paperwork from CitiFinancial Auto (not a similar name, just this company, which bought out Asssociates Firstin late 1999, which in turn bought Arcadia Auto Finance a year earlier.
You can contact them at CFAautoitems@citi.com or by fax at (888)4four9-5595.
Posted by Mike Fischer on 2013-08-08:
Thanks for your input. We have the same exact problem. A letter of lien release was sent to us in 2006, but with no VIN, making it worthless. VERY unprofessional.
Posted by Teresa on 2013-09-11:
Having the same issue now. Does anyone have a phone number for the lien group within Citi? We've emailed them but not very timely with a response.
Thanks.
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Paid off bill they kept mt car title
Posted by Momaliasnuh982 on 05/31/2011
I paid off the account but they said they didn't have my car title
     
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Posted by John Soto on 2011-06-01:
Did you contact the police?
Posted by VP on 2013-07-19:
I did some company research, because I couldn't find my title/release of lien (not sure I ever got it). I called a couple of CitiFinancial offices for more info. Turns out CitiFinancial Auto went out of business in Sept, 2010. Citi set up an archive office to take care of document requests. You can contact them at CFAautoitemsATciti.com, or you can send them a fax at (888)2FOUR9-5595.
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Complaint
Posted by Oldtractorjack on 12/23/2010
I have been an account holder with Sears & Roebuck for 15+ years. I carried no balance on my credit line, never made a late payment. Recently went to Sears to purchase a freezer, and found out that my Sears Card had been cancelled. I received no notification and drove over 120 miles to a Sears store in West Virginia to make this purchase. I did not know why my account had been closed, but tried to re-open it and was declined by Citibank (South Dakota).

I want to express my dissatisfaction for the poor customer service I have received from being a loyal customer for 15+ years. I was informed I need to make a couple of small purchases a year to keep my account status open by a Sears employee. I shouldn't have to make a purchase just to keep my account open as I've been a customer for a very long time and have spent a lot of my money at this company throughout the years.

I think the actions by Citibank are unfair and unjust. I want others to know that this is happening and be aware. I will no longer be a customer of Sears & Roebuck.
     
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Posted by tnchuck100 on 2010-12-23:
Wake up and smell the coffee. Today's financial world has changed dramatically. How good a loyal customer you thought you were means nothing to them. "Loyal" is an archaic term and means nothing in business today.

Good review. Others need to be aware a seldom used account may no longer be available.
Posted by Zeigs on 2010-12-23:
Posted by Anonymous on 2010-12-23:
tnchuck, "loyal" means nothing in most sectors of society today.
Posted by trmn8r on 2010-12-23:
You believe Citibank acted in an unjust and unfair manner, but you will penalize Sears by no longer shopping there. Seems like you may be penalizing the wrong party.

What happened to you is by no means confined to Citi. Many banks are doing this. There are multiple reasons. It costs money to maitain the records for your account, but more importantly banks are reducing risk due to the economy. Removing (inactive) credit lines from their books helps do that.
Posted by momsey on 2010-12-23:
The problem with talking about "loyalty" is that customers very rarely reward businesses for their loyalty. This review is a perfect example. Even though the OP was a very happy Sears customer for at least 15 years, she will turn her back on them because of the actions of the bank who handles their credit accounts.

So where's Sears' reward for their loyalty?
Posted by werelucky on 2010-12-23:
You may of been a loyal customer but obviously you were not a frequent customer. How long ago was your last purchase with the card? If you don't use your credit card banks are within their rights to cancel it.
Posted by leet60 on 2010-12-23:
trmn8r +10. It indeed costs money to keep your account open, especially if you are not using it.

Consider a merchant keeping 10,000 $250.00 credit line accounts open ($250,000). If it costs them $2.50 to maintain the account it is coming off their bottom line.

I also have to comment, that if Citibank declined to reopen the account, it likely has to do with your credit profile. If you have too high a debt to income ratio, to much revolving debt or negative entries this is a common reason for a creditor to close your account on review, despite your years as a customer.
Posted by getoverit on 2010-12-23:
I'm inclined to agree with trmn8r and werelucky. A lot of companies don't just keep an account open indefinately when you're not making any purchases.

By the same token, they should have notified you that the account was cancelled.

I've had a couple of Citibank credit cards. They're seem pretty hard-nosed. They don't cut you any slack.


Posted by Fufu487 on 2010-12-26:
BANKS do this is general....my regular mastercard will go inactive if not used in 8 months. And how loyal of a customer could you have been if it had been that long since you used your card?
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Don't make my mistake
Posted by Aboggs on 09/01/2010
First off I'll say, I signed the loan papers and I am trying my best to keep up my obligation. That said, Citifinancial granted me a loan for 18% on a 38000 dollar car. I was young, naive, and really wanted the car. I am paying 900 month and barely 100 going towards the principal. I am now flip flop on the car by 15000 dollars. Can't trade it off or sell it. If my payment is even 1 day late, they are calling 20 times a day threatening if I don't make the payment that day then they are coming to get it. I have had the car 2 1/2 yrs and the principal has barely budged. That's over 20000 in payments. I'm fed up. Finally told them if they couldn't lower the payment then come get it. I'll file bankruptcy on the deficient balance. I made a mistake signing the loan and not thinking, but I think at some point Citifinacial's lending practices should be watched. Also, auto dealers shouldn't be able to sell cars at ridiculous rates.

     
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Posted by FlShopper on 2010-09-01:
Wow, you're really in a pickle with that car.
Auto dealers will continue to sell cars at ridiculous rates as long as there are people willing to buy cars at ridiculous rates.
What did they tell you when you said that they could either lower the payments or come to get the car? Are they coming to repo it?
I hope that this turns out ok for you...
Posted by skelly39 on 2010-09-01:
I've done what you've done so I know how you feel, but the payments should start going more to the principal than the interest at this point. I know you are upside down right now but don't ruin your credit over it. If you can keep up the payments, just pay it off. It will look better on your credit record, and the next time you buy a car, you can qualify for a low rate.
Posted by Anonymous on 2010-09-01:
Have you looked into refinancing with the dealership where you bought the car? Or better yet, if you have a credit union talk to them. Obviously when you bought the car you either had poor credit or no credit, hence the high interest rate, but if you've had a good payment history and otherwise good credit since then, you shouldn't have a problem getting someone to refi you. Letting it go is only going to cause you more damage in the long run. Good luck!
Posted by Anonymous on 2010-09-01:
Something's really wrong with this picture. A 38,000 loan at 18% interest would only incur a max of $570 finance charge for any given month. Yet the OP states the payments are $900 and only $100 is going towards the principal. If was me I'd be all over CitiFinancial's math on this one.

From the information given, $38,000 loan at 18% with a $900 payment, I'm assuming the loan term was 66 or 72 months. I'm also assuming 30 payments have been made. If that's the case the current outstanding balance should be somewhere around $26,000. If it's not then again I'd be all over CityFinancial to explain why not.

You learned a valuable albeit expensive lesson. I wish you well.
Posted by rockfishing on 2010-09-01:
As Skelly said you've paid all the interest at this point so your principal should start increasing. Your best bet is to use every extra penny you have to pay it off. Get another job if you have to. Walking away will only mean more high interest rates for the long term. My daughter's tuition and dorm cost 38K for this year. Just look at this as an expensive learning experience.
Posted by aboggs on 2010-09-02:
Can't refi, because it is well over the 120% of the value that most places will finance. I'm looking into chap 13. I get to keep the car and still pay for it through the trustee. It still values for 26000, so that's what I'll be paying through the bankruptcy. Citifinancial is still making money on the loan, so I don't feel so bad. Definitely a lesson learned. I'm older now and realize material things do not define you. I guess have kids will do that to you.
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This Company is fraudulent
Posted by Poohbear58 on 08/16/2010
My husband and I have had bad experience twice now with these people the first car we had financed through Citi they over charged us a thousand dollars at the end of our loan when we sent the last payment we waited several months for our title and didn't receive it so it wasn't until we called to inquire about it, we was informed of these fees. now we have reached the maturity date on this loan and once again they have come up with some bogus fees only this time its three thousand dollars the representative keep calling trying to get us to sign papers and fax them back so they can refinance this amount we offer to continue paying the same amount we paid on our loan so we can be done with them but she states we can't do it that way the only way we can do it is by refinancing and they can't mail us the paperwork we have to get them through fax so we can sign them and send them back. Anyone can see this is not right and someone needs to help us take them down.
     
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Posted by FlShopper on 2010-08-16:
What exactly are these fees--did they send you a detailed statement?
Posted by spiderman2 on 2010-08-16:
What do they say the charges are for? They must be giving you some explanation.
Posted by skelly39 on 2010-08-17:
I'm going to make an assumption based on my own experience-did you have them defer any payments? When you do that, they don't extend the length of your loan; they simply tack it on at the end with a bunch of interest. Can you refinance this amount at a better interest rate somewhere else (assuming that is what the $3000 is)?
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Almost Fraudulent Autoloan
Posted by Twyman on 07/31/2010
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 re-financed 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, ang 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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Posted by leet60 on 2010-07-31:
As unfortunate as it is, this is normal business for auto lenders in situations such as yours in which there was no established credit history to judge your "creditworthiness" on.

Simply put, they aren't in business to lose money, and their policy of not applying additional payments to principal first is in the interest of their business. If you are not able to refinance through a more favorable lender, you may want to simply scrimp and save until you can meet their requirement of making two additional payments, then make extra on your monthly payments.

Your best bet is a credit union loan. I wish you the best.
Posted by MaggieMcT on 2010-08-01:
Ditto to leet60's comment. My auto loan is with my credit union, and when I pay extra, it does go onto the principal.
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NEVER again!
Posted by Kaiyha71 on 04/26/2010
My husband and I got an auto loan through CitiFinancial Auto a couple of years ago. We moved with our company and our payday changed dates. We have been over our due date several times...although not late more than once. CitiFinancial will begin calling us on the day our payment is due even though there is a 10 day grace period. They call CONSTANTLY! I have been getting anywhere from 1-5 calls daily even after I have already talked to a representative about the payment. They are notorious for calling me at 10:00pm even on Sunday night!! I have had representatives hang up on me, call me names, and refuse to let me speak to someone in an American service center. I have called to complain on more than one occasion and had been assured that I will no longer receive calls on Sunday or past 9:00, (which is still too late in my opinion). I am to the point of contacting an attorney about being harassed. I am trying to refinance my loan through someone else but the value of my truck dropped considerably when gas prices shot up and I am beginning to think I am stuck between a rock and a hard place.

I would not only NOT recommend an auto loan through this company I have been quite vocal to people not even considering and auto loan through them about steering clear! I will NEVER finance anything through this company again. I don't care if I have to live in a tent in the park and get to work by bicycle!


And here is the PS for those of you who commented that I clearly stated I was consistently late and so deserved the treatment I have received...

I have missed my payment due date no more than 4 times in three years. On each of these occasion I called the company to keep them apprised of the situation. I have asked them at the time of these conversations NOT to contact me by phone and yet they completely disregard my request. I have received collection calls from them even when they have the check in their possession. Apparently if they haven't processed it I am still liable. SO, rather than tell me being late means they can call me, (and I am very much aware that they can) read the post in it's entirety and realized that even if I completely default on my loan they do not have the right to harass me, threaten me, or belittle me as a person. It's called the fair debt collection practices act. Read up on it.
     
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Posted by Anonymous on 2010-04-26:
Sounds like to me CitiFinancial has too many people on the payroll.
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How Come One Employee Tells Me One Thing The Other Tells Me Something Else
Posted by Jessicaw on 01/26/2010
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 no 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 then anything I had never gotten this car. I hate dealing with these people. Please please read everyone elses complaints and do not do not get a loan through them.

     
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Posted by momsey on 2010-01-26:
Why would you get a phone call when you are late paying a bill? I have never gotten a phone call to tell me that. [please be respectful]

You are right, you are to blame that you didn't see that the payments weren't coming out of your account. They are to blame that they didn't set it up properly, but ultimately, it's up to you to pay the bill.

As for the other problems (reps hanging up, one saying one thing and the other saying something else) that does sound like a problem, and you need to take these issues to the supervisors. I'm sure EVERY single rep isn't going to hang up on you!
Posted by Anonymous on 2010-01-26:
Do you receive a payment coupon in the mail?
Do you log into the citifinancial site to view your bill online?
Either one of those ways will tell you what your due date is. Better to see it in writing than by word of mouth.
https://www.citifinancialauto.com/login.asp?referrer=0
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Citifinacial worse than a loan shark!
Posted by Bobcats on 12/09/2009
LOWER BURRELL, PENNSYLVANIA -- I took out a small citifinancial unsecured loan about two years ago for home repairs. The staff was wonderful for all of 3 months. They would start calling relentlessly about a week before the payment was due. I would personally deliver the payment to the branch office that I took the loan out of. When there with my payment they would always try to get me to take out more money.

Recently we had fallen behind by 30 days on the loan. Ten days after the payment was due they called my 70 year old parents and told them that my wife and I was in serious trouble. They proceeded to tell them how much we were behind, told them that we could lose our house, and best of all asked them if they could loan us the money to "catch back up". I am 40 years old with my own family. I never gave Citifincial permission to give anyone my personal info. I did not even put my parents info on the application.

Unfortunately I now have parents in their mid 70's worried about our fincances. Citifinancial has clearly broken the pricacy act laws by giving my parents private information. Best of all lets use scare tactics on the elderly!

THANK YOU CITIFINCIAL!!! I AM FURIOUS!!!!
     
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Posted by Anonymous on 2009-12-09:
Posted by Anonymous on 2009-12-09:
If you have proof of this, file a lawsuit. Unless your parents are on the loan, they can't legally discuss squat with them.
Posted by Anonymous on 2009-12-10:
I agree, if you have proof take them to court. This sounds like something any lawyer would jump on.
Posted by Anonymous on 2009-12-10:
It will be tough to prove though, unless one side or the other provides a tape of what was actually said. I'm sure the parents don't have one and CITI will not provide one, so it will turn into a 'he said - she said' situation.
Posted by old fart on 2009-12-10:
Ken.. it seems that a statement "under oath" from the parents would be sufficient proof....
Posted by PepperElf on 2009-12-10:
old fart... not always. people do still lie under oath.

granted i'm not saying the OP's parents will lie
but courts don't always automatically believe either
Posted by Nohandle on 2009-12-10:
You stated you had an unsecured loan which I don't believe requires a second signature. How did Citifinancial obtain your parent's telephone number? Was it listed on your initial application in some manner? I have heard of companies calling before a payment due date to inquire about the upcoming payment when the individual had never been late with a payment.
Posted by JR in Orlando on 2009-12-10:
An "unsecured loan" refers to no collateral backing up repayment of the loan. The parents may have signed as guarantors promising to pay if the op did not. The first step for the op would be to get a copy of the application and the loan documents, take it to a lawyer and at least discuss with him what options they have. I would think that if the parents co-signed on the note, the bank would have a right to discuss it with them.
Posted by Nohandle on 2009-12-10:
Thanks JR. The OP never mentioned if the parents co-signed on the loan. If so, then that's another ballgame and would explain how their name and telephone number was available.
Posted by Slimjim on 2009-12-10:
You are right JR. If they are co-signers, they become libel for the loan in default so yes, they can be contacted and the loan discussed in detail. Other than that, I would possibly consider talking to an attorney.
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Car Repoed Even Though I Was Paying On It. Not Late
Posted by Sherylynn123 on 11/21/2009
I am a disabled vet and I am fiancing my car through Citifincial auto. I pay my car payments every month through my bank. I get my monthly statements from citifinancial auto every month and not once did it say that I was behind. Which I am not. So I called them on Thursday and talked to a lady ( I do have her name and number) and she said that if I made a small payment on November 25th and then another one on December 1st then she would give me a 2 month deferral so that the bank and Citi bank could figure out what happened to my 2 payments. So that was good. But today the repo man came and took my car. He said that they got the repo order yesterday even though I talked to them on Thursday. They don't want to work with you. I have tried to contact the lady that I spoke with but of course she won't be in till Monday. Then they took my car 100 miles away so how do they expect me to go and get it. This is so crazy.

I am so upset and with my disability this can cause me to have a heart attack etc. Please help me. I need your help in this matter for I just don't know what to do. I am just so upset.
     
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Posted by bcd on 2009-11-21:
“So I called them on Thursday …”

What prompted you to call them?
Posted by sherylynn123 on 2009-11-22:
i called them to check on my balance and to see how much was left . sucks huh.
Posted by bcd on 2009-11-22:
Isn’t that info on each monthly statement?
Posted by sherylynn123 on 2009-11-23:
not all the time.
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