Citibank N A Informative - Horrendous service - Auto Loan
So I had an auto loan through amtrust bank that was recently picked up through citi financial auto.
First off, I had to make one of those 8 letter passwords with an uppercase letter, lower case letter, and number. This was the only account I had that needed this kind of password and I forgot it one day. I tried logging in and entered the wrong password I think 3 times and the account was locked and told to call the number. After waiting on hold for 20 minutes, I was told just had to make a new online account. So I did that. It's not that big of a deal and it was my fault that I forgot the password. However, how ridiculous is it to have to make a new account every time?
Onto my biggest gripe. I shouldn't have even bothered to make an online account because it has zero use. I have emailed them 3 times. Yea... no response from any (the most recent one sent out a week ago). You can only make a payment online by ATM card or checking account. Good enough, right? No, it is ONLY through WESTERN UNION and either option has a $14.95 fee. No, this is not my last possible day to pay. No, I don't need same day posting. Kind of odd how my citi credit card allows me to pay my card directly online from my checking account for free yet my auto loan wants to charge me.
Obviously this is done on purpose. With a credit card you can cancel whenever when you are displeased with the service, but you are locked in on the auto loan. Too bad if you don't like it. They are going to allow you to use only the method of payment that is most cost efficient for them. I really wish I could pay it through one of my credit cards online to get rewards points, but I fully understand that they don't want to pay transaction fees. But to have NO options to be able to pay it freely online? Especially for the largest bank....
I'm not going to cancel my Citi card though, because that is my favorite card. The customer service on that one is great. Just here to vent how displeased I am with this service.