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Beware Worst Loan Company!!!
By -

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 an 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 run out (this is how long they give you to apply for an amendment.). So they made me make another payment before they would even look at the paperwork 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 an 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 woman 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 an amendment be ready for all of this **!

Stop Complaining And Do Something!!!
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RALEIGH -- I have been reading some of the comments on this site, and I agree 100% that CitiFinancial is a bunch of crooks, thieves and all around leeches on society. They receive a Government Bailout that WE will have to pay for... only to turn around and stick it to everyone feeling the pinch of the battered and beat up economy. I say DO SOMETHING!!! Contact the Federal Trade Commission at They have a complaint section. I filed my complaint and hopefully you will too. CitiFinancial needs a good kick in the pants regarding their unsavory collection practices.

Here is some information regarding your rights... and what to do if those rights are violated. What types of debt collection practices are prohibited? Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, debt collectors may not: Use threats of violence or harm; publish a list of consumers who refuse to pay their debts (except to a credit bureau); Use obscene or profane language, or repeatedly use the telephone to annoy someone; False statements. Debt collectors may not use any false or misleading statements when collecting a debt.

For example, debt collectors may not: Falsely imply that they are attorneys or government representatives; Falsely imply that you have committed a crime; Falsely represent that they operate or work for a credit bureau; Misrepresent the amount of your debt; Indicate that papers being sent to you are legal forms when they are not; or Indicate that papers being sent to you are not legal forms when they are.

Debt collectors also may not state that: You will be arrested if you do not pay your debt; They will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.

Debt collectors may not:Give false credit information about you to anyone, including a credit bureau; send you anything that looks like an official document from a court or government agency when it is not; or use a false name. Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not: Collect any amount greater than your debt, unless your state law permits such a charge; deposit a post-dated check prematurely; use deception to make you accept collect calls or pay for telegrams; take or threaten to take your property unless this can be done legally; or contact you by postcard.

What control do you have over payment of debts? If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe. What can you do if you believe a debt collector violated the law? You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney's fees also can be recovered.

A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collector's net worth, whichever is less. Where can you report a debt collector for an alleged violation? Report any problems you have with a debt collector to your state Attorney General's office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General's office can help you determine your rights.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Bad company to do business with!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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.

NEVER again!
By -

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 its 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.

Citifinancial Auto needs to be audited
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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 basis. 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 attempting to pronounce. That made him really mad. It was the word "Bills". He had to be of African descent.

He had a very strong accent. It did not even come close to what I was hearing. He got so frustrated 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 nowhere with that. Finally I did get a woman 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 supposed 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 on time 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 worst 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.

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.

How Come One Employee Tells Me One Thing The Other Tells Me Something Else
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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.

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!

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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CitiFinancial Rating:
Star Empty star Empty star Empty star Empty star
1.0 out of 5, based on 2 ratings and
37 reviews & complaints.
Contact Information:
PO BOX 9575
Coppell, TX 75019-9575
1-800-486-1750 (ph)
1-888-249-5595 (fax)
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