CitiFinancial Servicing review: Treated like deadbeats! 68

I agree. I too am a Citifinancial AutoOne consumer. Rather, I am a former Citifinancial Auto One Consumer. After being underpaid for nearly four years, I ended up laid off my job in November of 2006. My car was in Repo status. However, I was able to pay the car off as of the end of January, 2007. I was told that my title would be sent to me in 30-45 days . This did not happen. Needless to say, I am getting the run-around by Auto One management.

I paid the car off, and yet they are angry that I dare call them and inquire about my title. My check was paid to them in full, to CitiFinancial Autoone. Don't you think I have a right to know the status of my title? I mean it's as if I married them, and they aren't happy with the divorce settlement. It was an arranged marriage that I never wanted from the beginning! LOLOLOL!

I suggest to anyone to ride a horse and buggy before getting caught up with Citifinancial Auto! Bicycle anyone? (smile)

I also made the mistake of doing business with this Texas based band of grifters. Upon payment in full of my account, which included an overpayment of $50.00, they took it upon themselves to take an additional payment out of my account at the credit union. I have been trying for the past 5 weeks to get them to refund the, "extra," bit of profit from them along with the overpayment of, $50.00.

I have been told two times that a check for refund has been issued to me and an approximate date I should receive it. I have been lied to both times. I also told them that I am 100% disabled, and can't afford their corporate run around.

I have contacted my state attorney generals office along with the Office of the Controller of the Currency, consumer complaints division.

I am sure that this will get resolved eventually, but in the mean time I guess I will have to eat dirt. These slugs have really put me in a bad place

I would not think of referring any business to them, and after reading this, if you do business with this pack of slugs, you deserve what you get.

If there is an attorney out there who wants to help me get my money under the American's with disabilities act contact me at nutdriverpatrick at yahoo

Wow... I am due to pay off my loan in September of 08... Makes me nervous. I guess maybe I will ask for a payoff quote in march and maybe just pay the thing off... Too bad I didn't have better credit when I started having kids... Oh well, lessons learned I guess...

I am a Citifinancial employee... the reasons that customers are left with a balance at the end of the loan is due to the type of loan you have which is interest bearing. Loan starts accuring interest the day after payment is due so if payments do not post on due date you will have a balance due.

I have been paying on my car for over a year and I do not understand why you can pay your car payment and only have .79 of $276.00 go toward your car payment. I need help with this matter. Is it not against some law to protect you against this kind of charges. My interest rate is suppose to be 17.99 and when I spoke with customer service she stated it should be around $50.00 per month. I ask for a print out and they have only applied very little to the principal of my payment. Help someone.

Try going to yelp.com. I beleive this might help you voice your frustration. Just be very direct and let them have it. Where is the state attorney generals office when you really need them?

Dear Sir or Madam:

I am flabbergasted that you haven’t had the foresight to cancel my automatic payments TWO WEEKS after my own account manager REFUSED to take my money when I offered, after two months of unemployment, to bring my account up to date.
I have just spent over an hour on the phone being transferred from Customer Service to Collections, both passing the buck and bouncing me around, when all I was trying to do was cancel the automatic payments which YOU should have done when my account became active in loss control.

I am NEVER dealing with CitiFinancial again, and I will tell EVERYONE I know that your customer service is MEDIOCRE at best (the reason my account manager refused to take my money when I offered to bring my account up to date was because I gave her a smart answer of “nothing is the problem,” when she asked me what the problem was with my account. Apparently you people base your customer service on whether the customer’s attitude matches your happy day

I want you to stop IMMEDIATELY automatic payments to my account. I had an overdraft fee of $29 yesterday because these automatic payments had not been stopped, two weeks after my account manager decided to repossess my car. That is UNACCEPTABLE. If another payment and overdraft fee shows up in my account, I WILL take legal action.

A copy of this letter has been sent to my bank.

I followed up with trying to get my loan uipdated and out of collections, since I found out that after having faxed a letter asking to stop payments out of my account since my car was being repossessed another payment was taken out of my account. I was on the phone with them on hold and being transferred for over an hour. When I finally said to the last person transferring me "customer service is lacking" she said "well you've reached collections..." so I replied "I guess customer service isn't part of collections" she said "not really."
This company really blows.

I need an address and phone number in the dispute office and a phone number of someone in the corperate office who is a superviser who can help with my situation

I have a problem with your insurance defalt section. A letter to them to inform them of a lapse of coverage was isued by my insurance company, but my insurance did not lapse it was paid late but was not lapse. I have an amended declaration in in hand and have sat in the insurance office and watch the them call and verify my coverage but they continue too pile these premium onto my account (#[protected]). I deploy to Iraq in 2 days. Help me to resolve this issue.

I was told in June 2007 that I was approve to have my interest rate dropped by 2% ---however, weeks and now months later I've been bounced around from "professional" service reps, team leaders and managers of CitiFi Auto and to date October 30, 2007 I have yet received a call back from any of these so called professional at Citifi Auto. The calls began with the Account Services Team Lead, Gabriel [protected]) I was then told to contact Supervisor, Jane Ipson [protected]) then was routed to Anna Benedict, another supervisor [protected]) and last another Supervisor in the Texas call center Alice [protected])

I guess my only question at this point is why is it so difficult just to get a simple call back to resolve a matter that took place just a few months ago. "Where is the Professional Service" they claim to have.

I bought a truck one-year ago and wish I had never heard of CitiFinancial Auto. These people are the worst!

After setting up auto-debit payments, CitiFinancial canceled these arraignments without explanation and failed to notify me that they had made changes to my account. It took me 7 months to clear up this mess and CitiFinancial charged me additional fees and blamed me for their error.

Last month's payment was by a USPS money order which they claim never arrived. A USPS trace confirms the money order was not cashed so the USPS is now re-issuing a new money order, which will be sent to CitiFinancial. Although I did send copies of the lost money order to CitiFinancial they have locked up my account so that I cannot make a payment online. Hell last months lost payment isn't even 30 days late yet! They have threatened me with additional fees, rep, and have refused this months payment online.

I have never worked with more nasty people then the folks employed at CitiFinancial. They suck! DO YOURSELF A HUGE FAVOR -- NEVER BANK OR TAKE OUT A LOAN WITH THIS CUT-THROAT BANK!

Once you get tied up with them every month they'll try to beat you out of additional fees, and unjust charges. If CitiFinancial Auto approves your auto loan - I suggest you run the other way. Otherwise they'll just look for any way to beat you out of more money each month then what your contract states you owe them. That is their game.

I had a car loan that was paid in full by my insurance company because it was totaled. I accidentally sent an online payment to Citifinancial Auto instead of the bank that was carrying my new loan on my new car. 3 months later they have not returned my money. I have received the run around over and over asking for my social an my account number. Unfortunately I do not have an account number because the car was paid off. They did issue me a check, unfortunately not for the correct amount. So I'm back on hold again. This is my second car loan ever, and I tell you what I never had this problem with the first one. Never again will I do business with this company. The IRS isn't even this difficult to get your money from.

I maid payment 2 arrangements with citifancial auto on on Dec 4 for $200.00 and the other for 480.28 on Dec 14. Instead they charged my account $480.28 on Dec 4th which caused my account to go in the negatives and has result in serval over-draft fee's (over $400.00) I've been getting the same bullcrap customer service as discribe by every one else. They even hang up on you have get attitudes, etc. It's been like 10 days that I've informed them of their mistake and they have yet to take any kinda of action! Mean while I've had to explain to my car insurance company why I'm not gonna pay my premium on time (I'm risking a lapse in payment because of this) The customer service you recieve from citifinancial auto is just plan POOR (This is an understatement) I'm on the verge of getting lagel assistance in my dealings with these ###'s.

I am dealing with these unprofessional people right now. I got in financial trouble back in September and they agreed to defer the loan till The middle of December. Then a month later I get a statement saying its due in November. I placed no less then 8 phone calls to a rep named Tory Brown who never returned a call. Just an hour ago I got a call from this smug man demanding I make arrangements for payment. I told them I'm sending in what I can this Friday and he said this was unacceptable and that concrete arrangements had to be made. I proceed to tell this very poor of an excuse for a rep that I could not make arrangements till I knew how much money I would have. They say the deadline is Friday and then it will be repossessed. His excuse for not returning phone calls was they work when they want too and vacations. I exploded on the phone and he got an ear full. Very weak company that cares about no one. I will tell anyone I know who is considering buying a vehicle to stay away from this low grade pos company. I'd rather drive a 100 dollar beater. I think their website has a complaint email link, their going to get an ear full about Mr Brown. If their company fails I will applaud.

The majority of these complaints are not valid. I worked for Citifinancial Auto my entire career. The very last thing the company wants is to repo cars because the company looses money. Citifinancial Auto has numerous programs to bring accounts current, lower monthly payments, help pay for vehicles etc. How are you going to wait on hold when there are hundreds of people at several call centers to handle your call. There are issues listed about force placed insurance leading to repo's. That is easily fixed if you have the correct information to give. Also repo's are done mostly by date of last payment & number of days past due, so if your account is 100 + days past due and you have not paid in 90 days you sdand a good chance of loosing your vehicle. With Citifinancial Auto all you need to do is give accurate information and your problem will be taken care of. I would have to say that 95 % of what is listed on this page is junk and you should pay it no mind.

This is for the person that said he or she has worked for citifinancial their whole career. I am a pretty open minded person and very easy to get along with, but I would have to say this, I have had to deal with some of the most unprofessional customer service reps ever wtih citifinancial. I have been harrassed by phone on the average of 8-10 times a day and even when I thought we had an issue worked out another rep from citifinancial would call and it would start all over again. I truely believe if citifinancial's corperate office would step back and take a good look they would find that there are a lot that needs fixing within the company, and make some changes to strive to offer the best customer service possible and look into the phone issue because the average wait time I've experianced was 10-20 minutes and that is not exagerating I think that if someone with some pull really wanted to turn this company around and start offering exceptional customer service they could . If anyone reads this that is employed with citifinancial I encourage you to try and call customer service yourself and see what your hold time is?

Hello,

This is for the person that states thay work for Citifinancial Auto. You need to look at the cold hard facts Citifinancia's customer service is the worst I have ever seen. I have been trying to resolve the issue below since 12/12/07. Not once has citifinancial contacted me except when my payment was late and it really wasn't because they were supposed to do the skip a payment for December. Since this email I have contacted Citifinancial several times via email and phone calls and finally got a hold of a rep in the so called dispute resolution department 12/27/07. She seemed like she wanted to help at first but told me to stop sending emails on the status of this-well if they would resolve this I would not have to be following up on this issue. She told me she would call me back by the following day because the case had to be resolved by 12/28/07 because they have 8 days to resolve hello I filed the complaint on 12/12/07 that is alot more than 8 days. It is now 1/18/08 over 1 month and a week and no resolution. On 12/28/07 called and left a message and never received a call back. Now that my December payment is past due by more than 30 days because citifinancial has not resolved my dispute I paid december payment, and I am sure they will report this eventhough they are at fault. Citifinancial Auto's customer service is the worst thing I have ever seen. The collections department is rude and every rep i have talked to is very rude and does not want to resolve the situation.

Let me tell you my situation, I received the skip a payment offer in the mail on 12/6/07. I contacted the [protected] number for skip a payment 12/6/07 at 5:00, the recorded message saying citifinancial was to busy to take calls to email request to auto.customer@citi.com in which I did in the below email. , since I did not hear from this email until late on 12/7/07, I decided to call on 12/7/07. I first called the regular customer service number at [protected] to verify this was a legitimate offer from citifinancial and they confirmed and said I had to call the [protected] number to set this up. After I got off the phone I then called the skip a payment number [protected] and was able to get a hold of a representive this time, I told them I was interested in skipping my December payment and they told me they noted this in the computer and I will receive a letter in the mail this week, I also, told the represetative I had a payment scheduled for 12/14/07 I wanted to cancel to take advantage of this offer for December. The rep told me if the customer service can stop the payment before 12/14/07, I could use this for December if they could not stop the payment I could use it for January. The rep then transfered me to another rep to cancel my payment. I was transferred 2 times and finally got somebody that was able to help me. The rep I spoke to I told her I signed up for the skip a payment program and I was told to talk to her to cancel my payment for 12/14/07. The rep went into the system and put in a notice to cancel the payment, since the other department that cancels payments was not available, she told me to call back 12/8/07 to confirm the payment was canceled. I was on the line with this rep for quite some time and she told me the same thing the rep from the skip a payment program if they are unable to cancel the payment will come out and I can apply it to my January payment. On 12/8/07, I called the customer service number again [protected] to confirm payment was canceled, the rep confirmed the payment was canceled. So I thaught this would be the end of this and everything went smoothly.

This is where it gets interesting, today 12/12/07 I received a call from citifinancial auto regarding my payment for December and telling me it was past due, when I arrived home from work I immediately called them figuring they made a mistake since I signed up to skip the December payment. I spoke to a rep that all he was worried about was collecting my December Payment, I told him I had signed up for the skip a payment and he told me since my payment was more than 5 days past due I was not eligible for this program for december and I would have to make the december payment and then i would not have to make the january payment. This was news to me since not one time did any of citifinancial reps bring this to my attention , neither the skip a payment rep or the other rep that canceled my payment did not say one thing about this. First of all I did not get this offer until 12/6/07 which was past my 5 days anyways, and why would they cancel my payment if this was a rule they were supposed to follow. At this point I was pretty ticked off and this rep told me i was wasting my breath because I had to talk to the skip a payment reps again. Based off the conversation with this rep, I confirmed that these are separate departments and they should have never done this. I think citifinacials reps no matter which department need to be trained to know what the others are doing. It is not my fault citifinacial did not inform me of this. Anyways, I called back the skip a payment number [protected] and spoke to a rep for the second time to get this straight, I explained everthing to the rep and he said he would put me on hold to get his supervisor to talk to me, low and behold and did not take long for a rep to come on the phone asking for my account number and social security number again which I probably gave out at least 3 times within the same call. I gave the rep my information again assuming this was the other reps supervisor, no not at all. The rep I was talking to from the skip a payment number sent me back to collections and I was really getting irritated with this at this point. Again this rep asked me when I was going to pay the December payment and I told her the same stuff I was telling all the other reps I talked to in the past. She did not seem to care all she wanted was the payment.

I want my december payment skipped, I have gone to several different reps and the one that initated the skip a pay transaction and the one that canceled my payment not one time did they say i did not qualify for this offer. And if I didn't qualify why did they cancel my payment the rep should have said we cant cancel because you do not qualify for this offer, no instead my payment was canceled and confirmed and I thaught this was taken care of . I would appreciate this be taken care of ASAP, I am not making the December payment because like I said before it was setup for me not to. Since citifinancial records all incoming calls please review the calls and tell me if they said i couldn't do this. The reps actions speak for itself, the offer was noted to my account and my payment was canceled what more can I say, but I am really frustrated with this situation and I hope you can forward this to a supervisor to handle so I can get this straight. Please respond by emial to confirm I do not owe my December payment, If you would like to talk to me regarding this situation feel free to call me at.

Citifinancial has owed me a $50 refund since November and I have yet to see it.

I agree with everyone who has stated the Citifinancial Auto, they have absolutely the worst customer service I have ever experienced. They will lie to you with a cheer in their voices. I used to work for a national retailer as a Customer Service Representative and if I had lied to my customers the way I was lied to I would have been fired that day. When I processed refunds I did it while my customer was on the phone with me.

When I called to have a phone payment canceled because the amount the automated service accepted did not match the payoff I had in writing and the payoff I was quoted over the phone I was told by a CSR named Art that he would cancel it and he even gave me a confirmation number. The next day I mailed a check for the entire amount I owed. 2wo weeks later I learned that Art had not canceled the phone payment, so I hastily drove to the bank to stop payment the check ($25) but 2 days later I received an insufficient funds note due to them trying to deposit the check ($25). I called customer service and was told to call a different number, I did, was then transferred and then given another number to call and then 2 more before I spoke to a Supervisor, supposedly who told me to fax all the bank info to her and she will refund the amounts. No such luck, $50 is not much but it is a tank of gas and when you live 15 miles to the nearest city gas can be expensive.

I wasn't a Citifinancial customer by choice they bought out my finance company. I will however be purchasing a new car in a few weeks and I will walk or ride a freaking horse before I let Citifinancial finance a car for me.

I tell everyone I know who are either purchasing vehicles or even considering purchasing to not even consider Citifinancial.

My son is a customer of Citifinancial auto. My son is currently at Parris Island SC at boot camp for the USMC. The US goverment has created an ACT called the SRCA. Service Members Relief Act, While a member of the armed services is unable to pay his/her obligation due to inability of access of banking (while at boot camp) they may file the proper papers and be protected until such time they can continue payments. The financial institution simply has the right to tack these missed payments on the end of the loan. This allows the person the ability to complete his /her duties to their country. All the while the financial institution may charge for those missed months the interest due. Citifinancial has gone so far as to tell me that my son is hiding behind the US goverment. My son by all means has every intention of fulfilling his financial obligation to them. My sons USMC recruiter has faxed the papers (SCRA) with a copy of my son's orders to report to active duty multiple times. Citi has been nothing but nasty about the entire process. It is sad that people cannot try to work with people of the armed forces with alittle more compassion.

I Agree that This Company Is A Money Grabber.
They All Think The Customer Comes Second

I am a customer also. I cannot wait to be in the position to rid myself of those jokers.
I was to co-sign for my sister. I was made the buyer( When the dealership sent in the paperwork). Then after my sister failed to make payments CITIFINANCIAL did not contact me for almost a year. I found out about the late payments and missed payments when I went to buy a house.
I fought with those jerks for four months to get the payments back on track. They would not call me back, or keep me updated.
They took the time to trash my credit, but not to call me about a bad debt. I hope those losers go under with the housing crunch.

They seem to be very uneducated and unwilling to learn. They have zero people skills. All I can say is, what goes around, comes around. They give no call back numbers. I was always talking to a different person.

RUDE ARROGANT COMPANY>>>

I am nearing the end of my car loan with Citifinancial auto, and could not be happier in anticipation of getting these monkeys off my back! Problem # 1: The first few years, whenever I attempted to arrange a post-dated check by phone, it was invariably submitted to my bank one day before I had authorized. Customer service insisted that this could not happen, each and every time. Finally, I began giving them the date of the day after the funds would be available~ problem solved. Problem # 2: They begin phoning several times a day the day after a payment was due and not yet paid. Problem # 3: On 1/24/08, I sent a very large electronic payment through my bank account's bill pay system. It was not a check that was to be generated, it was an electronic transfer. At the end of the business day today, it still was not credited to my car loan. When I called, the rep insisted that it must be a check that my bank generated, and would take time to be processed. My bank has records of the transfer, so any potential bs from Citi will be just that. Once free of them, I will NEVER deal with this company again.

I made a late payment on Jan 15th (due Dec 22) for the full car payment amount and late fees. Getting caught up in the holiday really took our minds off the basics, so I caught it up as soon as the dust cleared.

2 days later I got an early phone call (8am) from a rep saying I was 30 days past due (NOV pymt) and owed 2 payments (NOV and DEC) to be current. When I questioned it using my Dec 22 bill for one payment owed as a reference, he came up with 3 different explanations...all of which did not make sense and then I asked for a supervisor. When I got Mr. Supervisor on the phone, he said he would get a payment history and call back later.

He didn't.

Same 8am rep that called made another call to me at lunchtime. I reminded him of our morning conversation and told him I hadn't heard from the supervisor. He said he would have someone call me.

No one did.

At 445pm, another call from the SAME rep I had spoken to TWICE already (this makes 3) and AGAIN, refreshed his poor memory on our earlier dealings. AGAIN, no call from a supervisor nor explanation as to why they figured I was overdue.

After days, another rep called and she told me that not only did they NOT make any notes to my account (no record of who called me that day) but that she showed that they had Double credited a payment in OCT. and then RETURNED a payment to me back in NOVEMBER. Even though my bank has no record of this (only one payment taken) and CITIFINANCIAL didn't notify me, and my DEC statement reflected only that payment due. Well, all payments were being applied to the previous month..so how was I supposed to know? THEY didn't even know when they called...and let's not forget the supervisor that NEVER called...

So, in essence, what is on your STATEMENT has nothing to do with what you OWE, and if they make a mistake do NOT expect to get any warning from them, but heaven forbid they think YOU are late...be prepared to be phoned up to 4 times a day.

I am so fed up. NEVER again. I will only take loans from my bank where I can SPEAK to a PERSON who will be ACCOUNTABLE for errors and communications so MY credit and convenience will not be disturbed by the err of others.

I suggest keeping a notebook of ALL calls to and from this place. Include times, dates, extensions, names and NOTES. When you have an issue, CC all letters to local business bureaus, the dealerships that helped you purchase your vehicle as well as Citifinancial Corporate and the State commissioners office. DO NOT relent. Let EVERYONE know the potential when dealing with this company. Refinance if able and necessary to make your point CLEAR.

Kris French
Va Beach, VA

Yea, citifinancial auto really sux. their interest rates are too high,customer service sux,they act as if your business with them is causing them a hassle. They are the ones who are offering a service so why don't they act like it. They say one thing one time and something else the next time you speak with them.
AVOID CITI FAINANCIAL AUTO AT ALL COSTS.

I RECIEVED A LETTER FROM CITI FINANCIAL-AUTO IN BEDFORD TEXAS. ASKING FOR INFORMATION REGARDING AN ACCOUNT. THEY WANTED AN ACCOUNT #, SOCIAL SECURITY #, OR A COPY OF MY CREDIT REPORT.
I CANT SEND AN ACCOUNT # BECAUSE I HAVE NEVER HAD AN ACCOUNT. THEREFORE I WILL NOT SEND MY SS#.
AS FOR AS A COPY OF MY CREDIT REPORT, OBTAIN IT YOURSELVES!

I work for CitiFinancial Auto and do not believe one ounce of this. All of our customers are low life dead beat ###. You all lie. "Oh yeah our payment is the mail." Yeah right. Our computer systems have an icon on them to let us know that your payment is in the mail. And every call IS documented. Make your damn payments on time. You are all adults. You went to the dealership and signed the loan. You must remember that car really isn't yours until the title is in your hands. We lent the money to you and YES WE WANT IT BACK. Grow up and stop complaing because if you lent out 13 + thousand dollars you bet your ### every one of you would want it back. And half the reason you are with CitiFinancial auto is because your credit is so bad that no other bank would finance you. Good luck trying to refinance.

Hey James,
You're joking, right? It's ignorant [censored]s like you that make that company such a *treat* to deal with. What kind of crappy company charges $15 to make a payment online? Your reps (including you) are rude, stupid and have no logical thinking skills. I am a brand new customer and Citi screwed up my 1st payment, so now I'll make sure there won't ever be a second one. I think you belong exactly where you are - you're a piece of crap working for a crappy company - perfect!

I just wanted to post a comment--not negative OR positive. I just received an offer for 8.99% refi from Citifinancial. I was approved and am currently waiting for the application packet to come. To be honest, when I read the first couple of comments, I was thinking in the back of my head that a lot of the problems people are complaining about are (although not necessarily their own fault) their own problems, and I wouldn't blame the company for taking collection actions. It is their money, and they obviously want it back. HOWEVER, it disturbs me that someone such as "James", who claims to be an employee of the company would have such a low opinion of EVERY customer. I have good credit. I pay my bills on time. The only reason I was considering refinancing is because my truck paymants are close to $500 a month and I'm trying to buy a house! If "James" is representative of this company's employees, it makes me seriously reconsider this deal. Luckily, I haven't gone through with it yet and it's not to late to back out.

I am also a Citi employee. I cannot begin to believe the comments from James. He should be tracked and fired. Citi is a company for less than perfect credit customers. Collections calls because your payment is past due. If your payments are made in a timely manner you will not get a call.

As far as the rude customer service calls, I can not tell you how many times we are cursed, threatened and hung up on.

I just received a refinance offer in the mail from Citi and all the posting have me concerned. First of all, I purchased my car and I did have a high interest rate not because I did not pay my bills, but because I did not have any bills. So I lacked credit. Since I have never been late on my current car loan and I opened a line of credit two years ago, my scores has increase dramatically and I get these types of offers all the time. However, I know now that Citi is not a company I would want to do business with. Yes, I did see that many of the complaints was from people who were behind in their payments. However, if Citi financial's business is geared towards people with less than perfect credit, then they should be better equipped to deal with these types of situations. I would hate to get into a situation like losing my job, my spouse passing away or disability and need help with Citi working with me. It is apparent that help would be far from available. Customer service is a major deal breaker for most companies and the way their staff relate to the customer is key to the success of the company. It is apparent that Citi is a predatory lender, who sole benefit is to pull less than perfect credit customers then treat them like they are beneath them when situations occur. My loan is with Americredit and they have be great, but it would be impossible to refinance a car loan with the same company. If it was, I would not have given Citi financial a second look. I am glad I did some research on Citi and I hope other potential customers would do the same. People are still human and deserve respect whether their payment is on time or late. People usually give what they get, so if Citi customer service rep's are being cursed out and hung up on constantly, it could be due to Citi rep's lack of work ethics and respect to their customers.

To the gentleman who stated he worked for Citifinancial Auto his whole career (and to those who have a loan with Citifinancial Auto), my dealings with them have been a complete nightmare. The so-called "programs" that Citi has in place look good on paper, but, when you actually need one of them activated, it's an entirely different story.

Case in Point: In December, 2007, I took advantage of a "Holiday Skip Pay" program because my account had always been current and was in good standing. I called, spoke to a "Chris", was given my next payment's due date, and hung up assuming that everything had been done. I wrote down his name, the time of the call, and kept a copy of the original letter (which you should ALWAYs do anyway.)

In Jan, 2008, I began receiving collections calls stating that my payment (for December) was past due.

Long story short, after spending literally hours on the phone, over multiple days, speaking to multiple operators, not only was my Skip Pay never processed, but the remedy (called a "deferred payment") was also never processes as promised.

I sent a letter to CF-A detailing the ordeal, with a copy of my phone bill (to prove I called them to do the skip pay) and a copy of the Skip Pay Letter. (CF-A claimed I had either never called them, or I never received such an offer, depending on what operator you spoke to, on what day, and whether or not you were routed to an Operator in India or the US.)

To remedy the situation, it took the action of a local attorney AND the Florida State Attorney's General office to step in. After 4 months, my account is FINALLY straight, late fees credited, and the deferral done. The key here was that I had irrefutable proof in the form or documentation, which I sent to both CF-A (first) and sent to the atty and Fl Atty Gen office (2nd).

I recommend this:
__always keep notes of names and times of those with whom you spoke in ANY dealings with CF-A.
__always write down the general conversation and the results (or lack thereof)
__always keep all correspondance, including phone bills, proving that you spoke to CF-A.
__if CF-A fails to act, send them detailed data. Leave the emotional BS out of it ("they were mean", "they were stupid", "the operators were mean..." etc...)
__don't lie. If you did something wrong, own it!
__get an attorney to send them a letter (might cost you a couple hundred dollars...and also notify your State Attorney's General office. Most states, like Florida, now allow filing of complaints on-line. )

..then cross your fingers and pray for the best!

Good luck!

thank you all. Citifinancial has been hounding me repeatedly with offers to refinance my car with them. I will steer clear as far as I can from them after reading your helpful posts.

I hope many of you contacted attorneys to sue them, Particularly "treated like deadbeats".

I have been trying to get my WARRENTY CANCELLATION money back from them for damn near 5 months.
I wish I would have NEVER heard of them either.
They are the most NONproffesionals that I have dealt with.
Lies apon Lies apon MORE LIES!
They do not get back in touch with you - - THEY ARE LIARS - - BEWARE!

THATS RIGHT CITIFINANCIAL AUTO IS A BIG LOOSER WITH THE WORLDS BIGGEST L OUT THERE

ok so i dealt with the rudeness made my payments them boom i lost my job, i put the car away as i thought i would recover
pay them and move on, no the case- so now i'm just shy of a year behind and i'm thinking i need to give the car back.
it was fun sticking it to the man for a little while but now its just taking up too much space in the garage, anyone have any ideas or suggestions on how to give it back with out the long drawn out rudeness ?

I will agree with everyone else who has delt with Citi Finacial Auto. I got my car 4 years ago with them. Well in Jan 08 an Elk hit me on the driver side and totaled the car. Well between the time the insurance, Citi Finacial and my new car financial company there was a big issue with payments to Citi finacial. Well come to find out they had rolled some of my total to my new lean holder and then stated to send me bills for $539.53 which is the pay off of the lean that I had with Citi. Well due to me having major surgery (Which I explained to them) and also finding out once I got back from surgery that my $50.00 payment wasnt enough. So, they expect me to pay $500.00 for my new car and $214.00 to citi which leaves me and my son $57.76 left for a month to live on due to me being on medical leave and having major surgery.

Every time I have called the send me from one person to another only for them to say your in the wrong department. And finally after calling for three days and talking to many people I get told by a Team Lead that since my balance is so low, they will not help me out in any way. Why is it that I make a $50.00 attempt and they ding my credit to the point that I'll be lucky to get my student loan reduced. Why is that larger companies have no compassion for those who try and by the sounds of it, we all have tried and they pushed us off because we dont have money flying out of our ### and into there pockets.

I will never go with Citi again and my new loan isn't close to Citi Financial and I have recomended from others not to go through these dumb ### inconsiderate people. I have even tried to call Corp head quarters only to be placed on hold for 20 min, and thats customer service? I think this is one company who doesnt know the meaning of Customer Service, and also look, they are making 2.1 Million Dollars from us who work our ### off for the dime that we get, and still no compassion. Go, figure.

I appreciate all the people who took the time to come here and vent about Citi's poor customer service practices. I've dealt with several Citi subsidiaries over the years when I was younger, and they are predatory lenders. They're as bad as the demonic souls involved with the sub-prime real estate debacle. They should be publicly flogged on courthouse squares across the country, and then have salt thrown into the open wounds. I've had an auto loan since '04 that was bought by Citi a couple of years ago. I've never been late with a payment, but I'll tell you what, I'm calling my credit union this afternoon and refinancing with them. Citi isn't going to get another penny from me. Ever. I hope they get caught up in the financial meltdown and are dismantled and spread to the four winds.

It got to the point where they were boning me so much with intrest that I decided to refinance with my local bank. I have dealt with Citi and they were horrible to deal with. So my loan officer at the bank got to find out. In the banks office, with fax in hand with the payout amount to close my Citi account, he called them to make sure the amount was correct so he could send the check. He was hung up on once, disconnected once and on the third time he talked to a woman who gave him 3 different amounts for the payout. When she learned we were on speaker phone, and he has a fax of the amount, she suddenly agreed to the amount. End of story? Nope. Got home that day and got a collections call saying i owe back payments. I told them the car has been refinanced, and the bank is sending the check. Responce was "Dosent matter we will keep calling you for the payments". Next day, same story. Except this time the woman screamed at me over the phone, would not listen to a word i had to say at all, saying that the payments are due and she didnt care if it is refinanced. I told her they are no longer listed as a lein holder on the title but that didnt seem to matter either. So I guess even after refinancing through a different bank wont keep these idiots from trying to get money out of you. But, like my loan officer said, if they try to get more money out of me, he has in writing the amount due they agreed to, and he documented the call, and name of the one he talked to right on the fax. Bring it on Citi! Best part is, my payments are a lot lower, interest rate is half of what Citi was charging, and I get the car paid off faster!

this company is the worst in the Buss, I too have had problems playing phone tag, not being contacted .when promised that they would lower my payments because i was in hospital for open heart surjery and then got a low paying job, they said no problem give us a call and we can lower your pmts, well i did and you know what they said, na we cant lower your payments you dont make enough money, so pay up or lose your vech. so much for working with you, and then they give you all those calls day after day about your overdue pmt, then you tell them, I just talked to a rep and am waiting on a call back they say well thats a different dept, there depts dont know what the other depts are doing no communication at all,
THEY JUST WANT THE MONEY>>>>AND COULD CARE LESS ABOUT HARD TIMES YOU ARE GOING THRU ! anyone asks me about them...I will say dont get a loan from them !