Citifinancial Auto Complaint - Citifinancial Auto Fails Completely
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.
Though it took over 4 months, as a result of the contact from the S.A.G Office-Florida, Citifinancial Auto has finally corrected there 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 thru 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 the Florida State Attnys General Office for their action!