CitiFinancial Servicing review: Reneges on payoff agreement 93

Don't go with citi financial auto they are crooks and liars! I'm a military spouse and my husband has just deployed to iraq i'm paying 19% on my car loan he was not on the loan at the time I bought the car but is the one who makes the payments, I explained this to the company along with my concerns and was told as long as I fell out the paper work to add him to the loan and send in his orders we would be at 6% rate. I did everything I was told to do by the supervisor but now have been told they won't give me 6% rate. Why is it if I sign a contact I have to abide by the rules but a company doesn't have to follow the same rules? Not only that but this company has contacted me on 4 different times at 7am and I know that is against the rules to! Why to the big bad companies feel they can get away with this! We are the ones who keep them in business! We need to take a stand and the companies should have to stand by their words...

this company is filled with liars i have had my run of problems with them also i'm contacting a lawyer and the BBB!

Same thing here, my 6 month temporary amendment was approved on September 8th of 2017. I made my payment in full on August 2017. I have called and called, submitted my information and get nothing but flack from them. They say yes we will fax your amendment paperwork but it can take up to 3 days. I have been calling them since September 12th and get the same old crap. I called today, October 3rd to have someone tell me it has been denied since I have not made last months payment. This almost seems illegal since they offer the such perks for hardships, yet you get approved wait for your paperwork that never gets faxed and then denied three weeks later?

I would like to fight this somehow but was told by a friend in the Auto business it is not worth getting a lawyer and that banks are just doing WTF they want to.

I had a knee replacement in January of 2017 and was out of work for some time. In March, I spoke with someone at Citifinancial about ammending my loan for lower payments since I was getting behind on all my finances due to being out of work. A very nice woman, who's name I didn't get, told me I could defer my March and April payments until the end of the loan and to call back in May to ammend the loan for lower payments. I called in May and spoke with another rep, who's name I didn't get, and she said to fax in my pay stubs, there will be NO problem getting an ammendment in light of my finances and to call back at the end of May.

I faxed the stubs and called at the end of May. I was told that a NEW policy JUST came into effect that they need SIX QUALIFYING payments to allow an ammendment now. I explained that I had been speaking with them since March and was assured I would get an ammendment. That did not matter, the policy sticks and too bad, basically, is what they told me.

I spoke to someone in June and let him know that I have been screwed by this bank, I was given wrong information and I am not going to be punished for it. I needed to speak with someone in upper management and was not going to do a thing until this happened. I was transferred to a manager who never called me back. A week later I took a call, with the same result-I was transferred to a manager who never called back. In the meantime I received countless calls on a daily basis. In July, someone transferred me to a Laura Boah and I left her at least 4 messages, but she finally called me back. She was supposedly in upper management. We talked for about an hour and she asked if I could make THREE qualifying payments instead of SIX and then she could help me get a permanent ammendment to lower my payments.

I made the three payments and started calling Citifinancial again. A rep told me the ammendment was declined AGAIN because I didn't make SIX payments! I am losing my mind now, and I have left at least EIGHT messages for this Laura who never called back, and also for Mr Howerton who is supposedly my account manager and never called back. I spoke with two people last night, a James and a Mr Cummings, another manager, who told me tough, get a second job, get state aid, do anything you can to make these payments.

In this tough economy, instead of working with someone to where they can make affordable payments, they would rather take a loss on a $20, 000 loan. I have no idea where to turn. I am a single mother with a disabled child and struggle every day to make ends meet. The knee replacement threw me behind on everything. The man last night was extremely condescending and never addressed my personal issues, it was all about THEIR MONEY...someone help me, PLEASE?

I have had my car loan for almost three years now at 18%..when I asked if I could get a lower interest rate I was instructed that "we don't do that here" not talking about the department but at the company. I have never been late, and often paid more than the regular payment. I was called in the morning about eight months ago by a man I could barley understand due to a very thick accent. He told me that my regular payment I had agreed to, put my name on at the dealership and all the legal stuff was signed, but rather it was just a "suggested MINIMUM they would accept". The man told me to make higher payments, but in a helping way he tried to pass off but failed at. He said more money would be going toward the principal, so I asked him bluntly is it that you just want me to pay off this car quickly because you dont want my business but rather just the money that I owe you? I also asked him, why he was harrassing me because I have NEVER been late, and I had made payments higher than the "suggested minimum" not to mention if I didnt pay the car off sooner THEY would be making more money due to the insanely high interest I was paying. Yet he still argued with me about it. What a loon..I wonder if they train these people to argue about this stuff, even if you are A+ customer. I mean the people who have posed before me I would be even more upset, and if someone was in my house that I didnt authorize, well lets just say here in Texas its shoot first and ask questions later. Thats exactly what I would do, police or not..however police are supposed to announce them selves and if they are in your house with out just cause they need a warrant no questions asked. If the repo guy was a law enforcement officer he should know this, and posing as an officer no matter in what state is illegal if he/she is not. The company they work for not to mention Citi, hell even the duplex the lady lived in could be sued for millions for invasion of privacy and impersonating a peace officer. Just some food for thought.

Glad to hear I'm not the only one but sorry to hear it at the same time! I hate that anyone has to go through this. My husbands income dropped 48%/year! I've been fighting with them since AUGUST (right when we found out about the salary change). Today (NOVEMBER!), after talking to at least 20 different people and getting 20 different answers, I'm told it's denied because we CAN afford a $500/month payment. I even sent them a breakdown of our monthly bills showing that we're $100 in the hole each month! Like I'm not stressed out enough over losing all this income, PLUS I have to file bankruptcy just to be able to survive and feed my kids! This isn't considered a hardship?! WTF is?! I'm waiting on a call back from them to argue my case, not that it's probably going to help. NO ONE has ever called me from there. I've had to call everytime. I've had to fax papers 4 times because they always claim they didn't get them. Grrrr! I'm about ready to tell them to just come get their f*cking car, no matter how much I love it and want to keep it.

I am experiencing the same problem with citifiniancial do any body know for sure where and how we can get some help in reducing payments? ninnay4u@aol.com THanks

I totally agree! My boyfriend is a month and a half behind and was 3 months and they call and harrass him every week. We paid 700.00 on it on a Monday and then they called not even two days later wondering why we didnt put the whole 1600.00 down, he cant pull the money out of his butt! This is coming from someone that pays HER car payments on time every month and has NEVER mean behind on a car payment ever, since I am authorized on his account to talk to them, to help him out which was a mistake. They told him that he couldnt afford the car and that he better borrow the money from his mom or better borrow its from someone, they treat you like ### when in all reality their the ###. I understand that he is behind but at the same time we can only do so much. They are the worst company i have ever dealt with. I have a Citi credit card and I have had to call them one time and they were nice but like i said iam not behind on my card payments or ever late. Their AWFUL...

I TOTALLY AGREE! Citifinancial needs to be stopped. It is appalling to hear the thousands of complaints about unethical, abusive and illegal things this company is getting away with. They repossessed my car (I was 3 months behind) and now want me to pay close to $2017 to get it back. $700 of that is for "repossession fees"! My nightmare is too long to go into but I believe we have a class-action lawsuit against this company.

I hate them, everytime I get the same effin woman on the phone, she handles my account. She belittles me and makes nasty comments . I actually asked her if they paid her to be mean, she said yes they do.

Seriously I wish I had NEVER bought this car

I too had a similar experience with Citifinancial, but i had already filed Bankruptcy and the attempted to repossess the car before the paperwork went into effect. I managed to get the Judge to sign the order on short notice and Citifin was 'supposed' to voluntarily turn over the car by releasing it from the repo company.

Instead, they moved the car to an auction 3 days after the order had been signed (violating an Automatic Stay) and sent me a notice they were going to sell the car. Well of course i was furious and contacted my lawyer immeditatly.

My lawyer got them to release the car from the auction, but told him i would need the license plates, proof of insurance and my drivers license to have the car brought out of the auction's storage area. When i asked where the tags were (they were on the car when it was repo'ed), they said all my stuff was remved from the vehicle, including the tags and i would have to contact the repo company to get them. I did and they told me i had to pay a fee to get my stuff back or have the Bank release it. So i had my lawyer call to arrange my stuff released from the repo company. CitiFin told him they would, but never did. I called CitiFin and i was told they never authorized the repo Co to remove anything and i was responsible for the costs of them having to reo the car and any other charges involved with the reposession.

Well i decided to accept the loss of my stuff (cleaned out most stuff a few days before it was taken) and went to DMV to report the tags stolen and get new ones. I wasnt about to let them hold my car over a stupid $50 fee i had no intension of paying to get back what shouldnt have been removed in the first place. I drove 2hrs and got my car without any problems, they only wanted a copy of my driver's license for the record of who picked up the car, not even caring if i had the tags or insurance ( as CitiFinancial Rep said i needed) and put on my new tags and drove it home.

After getting home and looking over the car, i found almost everything was still in the car, only a stuffed animal and the tags missing. What! these people were just scamming me for a few more dollars!?! Im so glad i got the Bankruptcy Order and i dont have to worry about any fees that CitiFiniancal thinks they are going to 'add' to my account. Im ignoring that the car was even repo'ed on a financial level, but not on the fact they violated a judges Order, for that they are going to be sued! And the repo guys even left a reciept of the order for the towing to the auction place in the car, dated 3 days after that Bankruptcy Order had been signed.

I hope my story gives a small amount of pleasure to those of you who are Victims of Citifiancal's auto-loanshark tactics.

...continued from my previous post.

Citifinancial is not a very nice company and they have done nothing but attempt to cause me grief, and for what, i was only 1 month behind and trying to get caught up to date. I lost work for a short time and got 1 month behind last year. I have not been able to get caught up, but maintained ONLY 1 month behind. It wasnt like i was trying to evade them or get out of paying for the car. Due to other reasons, i had to file for Bankruptcy and thank god i did, or i might have to pay a lot more han i bargined for when i signed those loan papers.

Thanks (sorta) to CitiFinancial i am now reducing the amount that i owe them by a bankruptcy program called a cram-down and i now only will have to pay around half the balance. I found this out because of that outragous repossession they did to me and now im on the warpath!

So because they took my car, attempted to sell it and charge me even more money, i am reducing the amount of the owed balance and im going to sue them for the hardship they caused by violating the bankruptcy Order.

I would encourage others to seek info on filing Bankruptcy too, if it is in your best interests to keep your car and prevent them from reposessing it and selling it, then still bill you for the balance of what it didnt sell for against your owed balance.

I posted this also in the "Citifinicial Breaks The Law With Repo" thread and thought I'd post here too in case it is missed.

They suggested I get the amendment first and if I still needed a reduction in my payments to call them back and get the payment adjustment where they add years on to the payment making it more affordable. Now they tell me that I have to make 6 months of regular payments before they do the loan adjustment. And I didn't talk to just one rep about applying for the amendment versus the payment adjustment, I spoke with more than a handful there at Citifinancial and they all said the same thing to me about doing the amendment first. I've been paying 15% for over 2 years on my car, have only made 3 payments thus far for the new amendment payment and it's like no one their recalls what they said to me about doing the loan adjustment. No wonder why Citi is going down the toilet. Most of us here could keep our cars if they worked with us giving us a more affordable interest rate, but seems they have other agendas? Maybe the repo business is a better business for Citifinancial? Simply amazes me how they can do this to people. Just plain lies and its not just one there, its like they are ALL trained to do the same and say the same.
Also: I wanted to add, that before anyone ask for an amendment; unless you are secure with your income increasing or your situation getting better after 6 months of reduced payments, its a really a good idea to consider the loan adjustment instead of the amendment.
Yes, your car will cost more in the long run, but won't it anyways? My car cost $25, 000 2 years ago, I owe a little over $23, 000 on it now (yeah, I need a mathematician to figure out why I still owe so much) and KBB says its now worth less than $12, 000.
They have ways of helping people, they just DO NOT go out of their way at all of letting people know.

BTW...when I say 15%, I mean I'm talking about my interest rate. Thanks to Citifinacial I am not able to get a refinance with anyone else now because the value of the car.

Hey Citifinancial, who was it that bailed your butts out last year?! And who owns you? We the people? Knucklehead company!

One more comment for now, (I'm on a roll)...I also went through the same thing with faxing in the paperwork, them saying they did not get it, etc etc etc. It went on for almost 3 months before I was able to finally get the amendment. Amazing how everyone else I would fax to would have no problem and Citi was the only ones not getting it. They also told me when I originally got my loan with them, that they 15% was temporary and I WOULD get a lower interest rate of 9%. Never happened.

I just called them up to get an explanation as to why they did not tell me I should do the loan adjustment instead of the amendment and why they told me I could get the loan adjustment after the amendment if I still needed it. Here is the basics they told me:
First I have to make regular payments for 12 months before I could qualify for the loan adjustment. The loan adjustment is the same as the amendment. I have to be 30 days late to qualify for the amendment. Now, someone please tell me - how can you qualify for an amendment when your 30 days late when they tell you that you have to be current to qualify? They didn't have an answer for that either. Besides, my paper work says amendment so how can it be the same? This is just insane and I'm furious with their misleading business practice! Who's starting a lawsuit against them?

I got my amendment by stating that I had all the phone conversations with them recorded stating that I was approved.
I told them if they do not play fair since I have done my part by sending my paperwork in and actually said being approved,
my lawyer will be contacting them next.

This worked for me as I was dealing with someone in upper management, not some floor manager or a customer service person playing manager.

They Faxed my paperwork the next day and my loan was lowered from 700.00 to 410.00 a month.

FOAD Citi Financial Auto
J

I am feed up with Citifinancial Auto and sick of calling INDIA! it's like talking to a bunch of idiots who have scripts to read you! I paid my truck off, they received the payment on 1/7/10. These idiots told me i am not getting my refund mailed out until 1/29/10. they need 15 business days to confirm if there company received the funds properly? I had the dealership fax them over the cancelled check that they cash and now they are telling me i have to wait at 48 hrs for them to review this. I JUST LOVE OUTSOURCING! their customer service has everything to be desired. When I asked to speak with someone in the United States, they informed me they don't have a customer service in the United States. I wonder, did we bail these ###s out on Wall Street, too? I also have a HD Card with them, that's being paid off and called. F Citifinancial/Citibank.

I took out a loan for a used huyndia at Bill Dube Huyndia in 2017 for the amount of $12, 303.40 with Citi financial auto. I have had many expenses with this car example (a new motor) amougst many other things but I have also had to continue paying for this NEVER Ending bank loan. I requested paper work from Citi financial on how much I have actually paid for this car to date- The paper they sent me I needed to get a magnifiying glass to read- but upon requesing another more ledgible copy they finaly complied. At any rate bottom line is I purchaced a used Huyndia for12, 303.40- with 1, 000.00 down.My interest was at 19% (so I thought) but appently was actually 23%. My payments are 295.19 per mnth- I have been paying this since 06/30/2017- So to date I have paid citi financial $13, 590.00 ( which is more than the origonal amount and my pay off today is $8, 463.29. If I continue paying at this rate mypayment is$295.10-$139.91 goes to interest- for some reason I think this is better than what they were doing. As I review regular past payments I am seeing many different amounts in all colums- example-(regular payment on 1/17/2017)-$295.19--principle $54.53- interest$235.76. There is absolutely no consistancy or explanations with any of the amounts paid- or interest /late charges. I could not figure this out even if I tried. I also am friends with a postal worker - I did an experiment with her ( my due date is the 13th of every mnth.- So I mailed my payment at the post office 15 days prior and was still accessed a late fee.Citi financial told me I should pay by phone for an extra $15.00 to insure my payments were recieved on time. This is a scam- I belive if I pay them as supposed I will have give them in the area of 27, 000- for a $10.000 Huyndia- this is what I was suppose to be borrowing.- But after putting 1, 000.00 down my loan still ended up to be for 12, 303.40 ( I have no clue how that happened either.I have contacted them many times due to this problem and have many documents- I will send the first round of what they sent and the second. Can somebody please help with this- I feel as if I am being held hostage with this car- I don't know what is worse the car (and it's many expenses to keep it in working condition) or (the loan which I don't think I will ever be able to pay off) Please help!

This company works for Alquaeda indirectly!

This company is assisting Alquaeda to cripple the American public right under our government's nose!

This company is assisting Alqueada to cripple the American public right under our government's nose.

This company is assisting Alqueada to cripple the American public right under our government's nose.

This company is assisting Alqueada to cripple the American public right under our government's nose.

This company is assisting Alqueada to cripple the American public right under our government's nose.

This company is assisting Alqueada to cripple the American public right under our government's nose.

This company is assisting Alqueada to cripple the American public right under our government's nose.

This company is assisting Alqueada to cripple the American public right under our government's nose.

This company is assisting Alqueada to cripple the American public right under our government's nose.

This company is assisting Alqueada to cripple the American public right under our government's nose.

Feel that they are taking advantage of many people, myself included that are overwhelmed financially. Will NEVER do business with them again. For all Citi customers, join a Credit Union bank.

i will never do bussiness again with this company. do you know that they charged me 15.00 a day for late fees of my car payment so if i was 1 week late because i have to wait for my unemployment it is 105.00 more for that week plus the car payment. 15.00 dollars a day is alot and how can they get away with this. how come they don't help people the way they were bailed out . citi financial are just a bunch of cooks.

How does Citi financial Auto leagaly get away with ripping off the public the way they do? Don't we have any laws to protect us against thier trickery? Or do we have to just shut up and pay? I can't be alone in all this - this is America isn't anyone willing to stand up and put them through (at least)1/2 of what they have done to us?

I am so sick of these people. What are we suppose to do? Most of us want to pay our bills. Some have lost jobs and are still paying but Citi won't work with you to lower your payments, they would rather repossess then to work out a payment plan.

This is the worst loaning institute I have ever been with. I wish I could get my car loan refinanced through another bank just so I don't have to put up with the bogus fee's and harassments these people put me through. If there is a lawsuit against them let me know I want to sign up. citifinancial auto has unfair practises and falsely advertises " The letter they sent me states they value me as their customer and "we want you to be completely satisfied with your account and our services" and they also stated "We hope to become a trusted advisor for your auto finance needs" But they didn't sign it, all it had at the end was sincerely "client care" TYPED . But every time I have a problem with them which is every month since jan.2017 All I get is yelled at harrassed and when I ask to speak to their supervisor they hang up on me every time...You try it and you will see.

I purchased a truck and received financing through citifinancial auto. I mailed in a check for my monthly payment and they posted it for 200 dollars more than what was written on the check. I have contacted them several times and I was always told someone will call me back. unfortunately no one ever called back. I also had one supervisor hang up in my face and one yell at me on the phone. When I wanted to speak to their superior they hung up the phone. I think there should be an number to report horrible customer service so these people won't think they can treat paying customers any kind of way. Also i have yet to receive my money back and no one is try to admitt they made a mistake or fix it.

Well, it goes back to reading the terms and conditions of your contract. If your contract requires you to carry FULL COVERAGE (Comprehensive/Collision) insurance at all times (which most financial institutions require it if they are providing financing), then its a requirement that must be met or they add what is called "Forced Place Insurance or Collateral Protection Coverage." Companies will NOT just add this type of insurance without first providing you with adequate notification at least 60 days in advance, advising you that they do NOT have your updated insurance.

As far as letters being sent out to people, letters are generated systematically, usually based on the number of days the account may be past due. So, the system does not know if you've had assistance or even that you meet the criteria. Its simply generating the letter because of the criteria that was established for the letter to be sent (usually days past due, last payment date) are the triggers.

Again, I will not say enough to people that you have to remember YOU OWE THESE PEOPLE, they do not owe you. Therefore, they are under NO OBLIGATION to establish altered payment arrangements, defer payments, accept late payments, etc. Those are privileges...but its not a requirement.

We have an obligation to ensure that WE can maintain our monthly obligations and if we are no longer able to do so, then we have to make harsh decisions that are often WAY TO UNCOMFORTABLE!

I am right there with all of you. I have sent proof of unemployment income 5 times, the last on being this morning because they can not read my fax and think it is my fax that is the problem! If they cant read what comes in on their end why is it my fax that is the problem. They have a wonderful stall tactic program to wear you down. I have been unemployed for 18 months, have kept up with my payments and am trying to be proactive in getting a temporary reduction of payments. But Citi does not cooperate!

they are rude, they are the worst bank I have ever encountered in my life. the harrassment is out of this world.

they are trying to rush me to payoff my truck early WTF