CitiFinancial Servicing
Reviews and Complaints

I wanted to refinance my loan & they simply told me that they are not allowed to do that. I asked for something in writing and they told me they couldn't provide that. I asked how can a company as yourselves not have something in writing stating that an auto loan can not be refinanced. It makes no sense. The customer rep got all nervous. I just don't understand how a company can be this way and not provide legally in writing a loan can not be refinanced. I hope this company gets everything they deserve. Something should be done on how this company treats its consumers.

I have two loans with Citifinancial. One a 2nd mortgage and one a small personal loan. They have been harassing me for months since I was unemployed. I have been making payment but not the full payments. I found out they have been posting payments that I made to the mortgage loan instead to my personal loan so that I look like I am really behind on the 2nd. They are now taking me to court on the 2nd.

My father took the loan for me originally in order to buy a car for me. It was a $5, 000 cash loan. I don't know the interest and I don't know the details, I just remember telling him I didn't want it and he got it anyway. The car cost us $3, 500 and Ive paid about $3, 500 in repairs, replacing parts and getting it back on the road 3 times.

Well with Interest over 5 years I owe CitiFinacial $10, 000 total.

I make payments of $222.00 a month which is the minimum as its all I can afford.

A few months after the original loan he took another $1, 200 I think which added more interest of course but again I don't know the details

After about 2 and a half years of payments I'm down to $6, 409.96

Now my complaint is, was it right and legal for them to give us a loan of $5, 000 and then add $5, 000 in interest? That seems to be 100% interest and I thought that was illegal. Am I right in thinking this or should I just suck up the biggest mistake of my life and keep giving these crooks my money?

After collection calls and returned payments on my account, now Citifinancial tells me they have a coorporate office, but there is no phone there. WOW! Can you believe it. I have made calls and when I speak to a rep, that actually speaks english, I get hung up on. Who is out there to help the little guy? I have been put on hold, transferred and now hung up on a total of 5 times just today, yet I bet within 48 hrs I'll get yet ANOTHER call from them where I answer the phone and get to be put on hold by their automated-computerized rep. I want to pay my account and be left alone by this company and I have never had this kind of hassle and aggrivation trying to give someone money.

Citi Financial Auto has the worst customer service ever. Like most people in this bad economy I lost the job I had when I first took out the loan. The job I was able to get was only a part-time job and it did not cover all of my bills, my situation was made worst by the fact that I had to leave my son's father due to the onset of abuse. This made things even worst because I was left with having to look for another place to live and I had to deal with even more expenses on a part-time job budget. This forced me to have to make the decision from Aug of 09 to the present, March of 2010, Do I pay my rent this month or do I pay my car note? For the first three months of the mentioned time period I was able to pay them half a payment each month only to fall back the next. When my ex became inconsistent and then finally nothing with his child support I was not able to pay Citi Financial anything after December. Needless to say I was anticipating My tax return. When I was informed that my taxes would arrive on the 9th of March I called Citi Financial to let them know that I would be able to make my account current. They said great no problem and took my information. Friday the 5th of March, A man came to my job and tried to repossess my car. He could not find my car in the parking lot and had to ask for me in the front office. I informed the man that this must be a mistake because I had already made arrangements with them to make my account current on the 9th. He tells me to contact them and work it out, and then give him a call back. I checked my bank account to find that my taxes were deposited into my account earlier than expected. I immediately made a payment on line, they have it set up with Western Union so I had to pay $14.95 to process the payment that way. I call Citifinancial back and I tell them what happened and what I did. The rep tells me that he can see the payment and that all I had to do was call the man who tried to pick up my car and let them know that I had just made payment, and that he needed to call them. I did just that and the repo man said that usually they will contact them right after payment has been made, but just in case they don't he wanted my number so that he could call me later if he hadn't heard anything. He never called me, Saturday came and went and still nothing. I thought I was good, until Sunday when I walked out the front door to find my car gone. At this point I wasn't even mad, I was a little annoyed because I felt like when I called to set up payment I should have been informed that they had sent a pick up order on my car. I also was upset that the rep didn't tell me that my car still might be in danger of being repossessed even after I had paid. When I called on Sunday, Customer Service tells me that there isn't anything that they could do because my account was sent to the redemption department and they are closed on the weekends. They also told me that my payment was listed as made but they couldn't stop the repossession order because funds had not cleared my bank. They said that I should have gone to the nearest Western Union location and made payment that way. That was the only way a payment would be considered confirmed immediately. I responded that the rep on thursday did not tell me that, otherwise I certainly would have cancelled the payment I did make and make a payment the way in which she was discribing. She procedes to tell me how much it was going to cost to recover my car, she said about $400 to $600 dollars. I tell her I don't think I should have to be responsible for that since my car was taken after I had made payment, she agreed. Monday I spent all day on the phone with them but getting no where. Most of them were rude and all of them where unhelpful. They told me in order to get my car today I would have to go down to the nearest Western Union location, make a payment of $1, 600 AGAIN. And if I wanted my money back from the first time I paid, than I would have to try and retrieve that from my bank. I called my bank and they told me that the money cleared and that it has already left the bank, and they don't have access to it anymore to get it back. They told me that they sent the money already to Citi. When I called Citi back they told me that even though they have the money, it could be called back at any time and that it couldn't be completely confirmed until after the 10 day waiting period. They would have to wait 10 days before they could release my car. When I aked for a manager everytime I talked to a rep, they told me that the manager was not in, one directed me to a voice mail and the others just said that they would notate my account that I am requesting a manager. So ultimately they are telling me that even though they have my money, they won't release it for another 10 days. Every day that my car is locked up it is costing me an additional $25 dollars a day for them to store it. The only way that they would be willing to release my car to me today, is if I sent another direct payment Western Union, but get this, they said they would not refund me the first payment of $1600. The only way I could get that back was if the bank could get it for me, but we all know they can't because they don't have it anymore. I am going to try to call back again tomorrow to see if I can get a hold of a manager. I need every bit of my money, I am a struggling single mother and I work hard for the little bit I have. I refuse to let them take it from me. I know they feel I am not worth helping, because I did get far behind on my payments, but I refuse to let anyone make me feel bad about choosing to provide a place for my son to live over having something to drive around in. Just because someone falls on hard times that does not give anyone the right to take advantage of the less fortunate. I believe that there is a very special place in hell for Citi Financial, right next to Hitler. Citi Financial Auto is the DEVIL.

I have asked numerous times to have my payment reduced to lower amount or the interest rate capped and to no avail. They advertise on their website for auto refinancing but when you go into that site and call that number that is given they tell us we don't do refinancing. I ask them "Then why do you have it advertised on your website? Shouldn't that be taken out?", they reply saying "Oh I don't know it always has been there I don't know why!"

They are not willing to work with anyone and when you have no alternative but to finance your vehicle from the car dealerships because of stupid errors in credit reporting...people get screwed. They know what they are doing and yet they seem to keep getting away with charging people outrageous interest. I have been paying for my vehicle for 4 years now and it has only dropped by $5, 000...that should give someone in this world a clue as to what's happening here. Still says I have 2 more years to pay yet...when 2 years comes it will still be only 5 grand that I have paid and still owe more than 8 grand...that is not right there is something wrong with this picture.

I would like to have this company investigated and sued for their inappropriate or shall I say callous ways to charge interest to us consumers. They have gotten away with this for TOO long now and something has got to change. The economy is getting worse and I fear when my payments are all paid and everything that they will try to get me for some bogus amount before they will send me my clear title. PLEASE I BEG OF YOU...THIS COMPANY NEEDS TO BE STOPPED!

Thank you in advance for allowing me to put in my two cents. Hope you can deal with them and get them shutdown all branches everywhere!

Offered deferred payments by Citi Financial on car loan for 45 days, was not told once payments start again that I would only be paying interest and late fees. So time for paid off and I'm thinking wow one payment left of $363.06 I get a paid off of $2803.55 what the ***... I called to speak to someone and they tell me this crap that's it's all my principal and if I can't paid it off they can defer the payment again I offered to pay $2000.00 to get out of this loan and was told all or nothing. Has this happen to any one else.

Please contact me if is there a lawyer who is willing to take on Citi financial auto- I am drowning in an endless pit of money with no way out. I have filled a complant previously to see details.Any help or advise will do! Thankx Cindy

Stay away from any company that uses citifinancial retail services for their financing. They are scammers, liar, and not trustworthy. I set up a recurring payment plan with them on 12/11/09 & changed my due date from the 21 of the month to the 2nd of the month. My current month statement shows that my minimum payment due is $194 and that I was assessed late fees for a payment that was automatically drafted from my checking account on 02/01/10 (Which is the day that the payment posted). Now is shows the payment due date is 03/04/10. With the $39 late fee, the 2 weeks to compensate them for the due date change my account balance is going up and not down. This is the only time I have financed through them and will never do it again.

I am going through an excruciating process with CitiFinancial Auto, which has been going on for months. I cannot get them to pay me the money they owe me for overage after paying off my loan. I have documentation, names, extension numbers, dates, etc. Please contact me if you would like to pursue a case against them.

Hi sir,
this is mithun badami from davangere, my father (mr jayaraj badami (j. c. badami) & my mother mss nirmala badami) had taken a personal lone from citi financial bank.
1. j. c. badami account no [protected].
the account no of [protected] was made an settelment in bangalore office for 23, 500.00 rs to which the bank had put too mutch of penaltee to this account.
the tottal amount of balance is around 10, 000.00 rs only the rest amount is the penaltee the bank people had told to me when I visited the bangalore branch when I went to give a complent agenest the davangere recovere branch that is image markiting's.
the people who comes to our house they talk in very bad word's the people are prakesh, jyothi & some other boys. they come to the house only on saturday & sunday that to in evening time give the amount today itslf other wise we wont go & they scould us in a very bad words & they shout standing near the gate. some times they tell us we had all redey put the recept you pay the amount now itself they ask us like that. this is the problems we people are facing it in davangere every mounth. in davangere the branch had been closed still today we had not got any intemections that the branch is been closed & all the transgactions will be don by bhakerish where he sit's in image markiting' s... so we request the bank head to take this complent aggenest the manager bhakerish (image markiting's) and I request the bank to send me a final settelment copy to my residence & mail me at [protected]@yahoo. com so that we can make the payement at bangaloere branch if we are satesfied in the final setteled amount by the bank head atorities & I am sure that we are not going to make any payements at bhakerish & davangere recovere branch (image markiting's) if any persons comes to our house from image markiting's we are going to file a complent to police & cunsumar court that they are trataning us in davangere where ever they want in davangere.

2. nirmala badami account no [protected].
the account no of [protected] was made an settelment in bangalore office for 21, 000.00 rs to which the bank had put too mutch of penaltee to this account.
the tottal amount of balance is around 5, 000.00 rs only the rest amount is the penaltee the bank people had told to me when I visited the bangalore branch when I went to give a complent agenest the davangere recovere branch that is image markiting's.
the people who comes to our house they talk in very bad word's the people are prakesh, jyothi & some other boys. they come to the house only on saturday & sunday that to in evening time give the amount today itslf other wise we wont go & they scould us in a very bad words & they shout standing near the gate. some times they tell us we had all redey put the recept you pay the amount now itself they ask us like that. this is the problems we people are facing it in davangere every mounth. in davangere the branch had been closed still today we had not got any intemections that the branch is been closed & all the transgactions will be don by bhakerish where he sit's in image markiting' s... so we request the bank head to take this complent aggenest the manager bhakerish (image markiting's) and I request the bank to send me a final settelment copy to my residence & mail me at [protected]@yahoo. com so that we can make the payement at bangaloere branch if we are satesfied in the final setteled amount by the bank head atorities & I am sure that we are not going to make any payements at bhakerish & davangere recovere branch (image markiting's) if any persons comes to our house from image markiting's we are going to file a complent to police & cunsumar court that they are trataning us in davangere where ever they want in davangere.

thanking you
mithun badami
[protected]@yahoo. com ([protected])

I wish I had never gone to Citifinancial. 2006 I divorced, got the house, (3 kids), refi'd thru CF. Interest rate has gone up. Lost my job in July 2009, child support has been inconsistent...they claim they want to work with me, yet I've caught them in more lies than truths. They told me of the CHAMPS program, I've been ill informed or misinformed about it since the beginning. One person says one thing, another one gives me completely different information. I received a call yesterday from Scott, asked him about the program, was told they could hopefully get me approved, just need to get that payment in this Friday. I got a letter today saying I didn't qualify for the program. The letter I received was from the same office that Scott is in. I wouldn't even be IN this mess if they had taken partial payments to begin with. I've been told before that they could not take partial payments. Last month it was suddenly ok for partial payments. A lot of help that is now. I'll fight them tooth and nail just due to principle. They are not trustworthy...they will tell you whatever they need to in order to get money in their hands. Don't go to citifinancial...save yourself the grief.

too many complaints to list! Just a terrible place to get honest, consistent customer service. (press zero to get a person) Complaints include lost payment, four different addresses to send payments, 2 in writing, 2 by phone. So don't lose your stub or they may never get it! Even if they say they will find it, they didn't and never called. About 1/2 dozen calls got me MEAN RUDE INCONSISTANT ARGUMENTATIVE INFLEXABLE INTERUPTIVE customer service people, including "supervisors". Crappy voice system, never offers a human, just round and round it goes...
My best Recall goes like this --
Payment confusions: [from me or store or them] $40 EACH TIME! the first clerk said they would find my lost payment -- didn't find it - didn't call me back, so my payment was late. ---BAM late fee. Next, was exchanging the bad product that took so long, I didn't make a payment, ---BAM late fee. Product now MORE WRONG so didn't make a payment –BAM late fee. The store refused to make it right -- I hadn't made a payment – BAM another late fee. Surprisingly and eventually Amber at Sleep Train FINALLY got it right, saying she would “handle the finance company”. She didn't or couldn’t but never told me! So, ---BAM another late fee! Then, I made a big payment the 1st week in Jan, long after the Dec statement cycle ended, and I have the Jan statement that doesn’t reflect this, but I found out [purely by accident] Customer Service believes it's a Dec payment!. So, make another payment online today, or ---BAM another late fee! Waived one late fee Nov. 09
THE STATEMENTS: each statement says some crazy amount for the "interest free minimum payment", MUCHO confusing...now a minor point. I suspect they will wheedle out of getting the interest free anyway in the end. I now see another complaint saying just that, so I really doubt they will honor that in the end!
CitiFinancialRetailServices really are ###s; make me crazy frustrated with every call. Sleep Train wasn't any help denying responsibility for their financier. What a racket I got myself into. -LisaRex of CA

I was told back in October that I was eligible for a Harship-I was trying to get a modification--at that time I rec'd the hardship which dropped my payments appox $200.00-and at that time I was told that this would be for 5 months-and I would be asked after that time if I still needed- and all that I would need to do is tell them that I still needed the relief and they would extend another months-this was told to me by Maurice of Citifinancial-well I recd a letter in Nov asking if I still needed the relief-at the time that I rec'd the letter I called Nov 25th and spoke to Georgia explaining that I was still in need of the relief at this time- she explained that I would have to come in and complete another form-and I stated no problem- the payments are suppose to go back eff 2/2010--I had not heard anything from them-so I called today-and spoke to Maurice again and explained that I had not heard from them and it was getting closer to Feb.-he told me that I would not be eligible because there was a new law with Citifinancial -and that I would have to requalify because of some things and bring all of this new info in, that I did not really understand-but I did ask when this new law went into effect, because everything that they had told me was based on last year-he stated that he had to ask his manager Tangi(not really know if I spelled her name correct)-he put me on hold and came back and said that she said it went into effect 1/2010-and I asked him what does that have to do with what he had expalined to me and our arrangement of last year-he said that he does not make the rules-only have to go by what they tell him-at that time I was so upset and afraid, that I told him not to worry, that I would contact the main office-but there is really no way to find information how to tell any one about the unfairness of their practice-If you are told something and you do what you are ask to do at a certain time-that's what you are expecting and that is what you expect a business to do for you- I forgot he did say if I got him all this information-that things COULD work out better for me-that is all find and good-but just do what you had told me-and if you really want to help-do that after the next 5 months-in which I really don't think they did what they could for me, but me trying to find relief -I have felt messed over-and am really scared and thinking that companies really try to get over on you and then change thins around on you-I know that they have had some financial difficulties-but that is not the way to do your customer, especially when you have always been a faithful custome--I am not really sure if they did all that they could help me anyway.now they are not living up to what they said

My car got totaled Nov 12, and I have been trying to get my loan paid off so I can move on with my life.

Issue #1: Citifinancial's repeated harassment of my co-signer. Never once do they call me about any payment issues, despite the fact that I made all the payments over the three years in the loan before my car got totaled, or the fact that the insurance payment for most of my loan was made through the insurance company in my name, or the fact that the title was in MY name only!

Issue #2: Cust. service lied about my payoff amount...they said it was $500 something, which I paid weeks ago, and now they're saying I owe $118 beyond that.

Issue #3: Even though I made my car payments through the website for over a year, it won't let me do so anymore.

Issue #4: The # for paying over the phone leads to an error message...so when I pay the $118, they will still be harassing my co-signer until my check clears, which will be days instead of the minutes it could have been if they knew what they were doing.

Issue #5: It says on the website and the phone that my "next payment" of $118 isn't due until JAN 17, 2010. So WHY are these people even calling?

Issue #6: They don't bother sending any kind of statement through the mail to let me know what they expect by when...a couple threatening letters to my co-signer though.

I am SO not surprised to see the large # of other complaints against these people!

As a former employee of Citifinancial I can tell with all honesty and sincerety that this company is a true Predetory Lender. Citifinancial provides personal loans and mortgages to consumers who have less than perfect credit. They offer interest rates that range from 16% - 30% in most cases. As an employee for Citifinancial we were encouraged to make the biggest loan possible that the customer qualified for. For example, if the customer came in to borrow $1500 for auto repairs but qualified for $7500 we were encouraged to do whatever it took to get them to go for the biggest loan. Even if it meant the customer would struggle to pay a high monthly payment, but still qualified for the loan under Citifinancials ability to pay guidelines, we were to talk them into the higher loan. And to add to the company's bottom line we were made to offer the customer optional credit insurance that would "protect" their loan in the event of death, disability, or unemployment. Of course these products added premiums to the overall cost of the loan and increased the customers monthly payment but if we didn't sell these products we would get written up by our managers. It was highly frowned upon if we did not sell optional credit insurance on each and every loan we made. And as for our mortgages, we had to offer mortgages to prospective customers at interest rates well above sub-prime. The average interest rate with Citifinancial is 12%. How can you possibly sit across the table from someone and tell them it is in their best interest to consolidate a few bills with a mortgage for 30years at an interest rate of 12%?
Each and every day we had to make solicitation calls to customers that already had outstanding loans with us to get them to refinance (add more money) or start their contract over in order to skip a payment or bring the account up to date. Citifinancial does not want the consumer to ever pay them out. They want to keep refinancing and adding to the balance in an effort to keep you (the consumer) in debt to them. I would never recommend Citifinancial to anyone needing a loan. Go to your local bank or credit union and try first. If you ever get involved with Citi it is not likely you will ever get away!

Dear Concern,
I have applied for Home loan recently and shocked that my name is in default due to Citifinancial.
I had availed a consumer loan from citibank in March 2005 for refridgerator.for which I gaiven PDC which cleared timely then why bank has given my name. even never informed me about any due.

I request you to please look into this and helpout. The loan amount was 7000 and EMI was of Rs. 700.
My DoB: 10-01-1978

Vishal Rajput
[protected]

My husband and I had two loans out with Citifinancial. We paid off our first mortgage with them, and tried to refinance the second one to get a lower interest rate. They sent an appraiser who actually devalued our property after we had our home updated. We put in new heating and air conditioning, new electrical system, all new windows and doors, and the stupid appraiser gave our home less value than before it had all these upgrades. When I complained to the manager, they stated, "Oh, we fired that appraiser, he didn't know what he was doing". I asked them to send another appraiser, and they refused to do so without more money to pay another appraiser, even though they, themselves fired the previous one for not knowing what he was doing! We went to my credit union and got a much lower interest rate, and are so HAPPY to be out from under the greedy Citibank. Do not get a loan from these people unless you just want to loose money. They do not treat their customers fairly at all. They have the nerve to treat the tax payers, WHO BAILED THEM OUT OF DEPT, like crap. They ought to be forced to pay back all that money with a high interest rate, just like they charge their customers. Anyone would be crazy to take a loan out with them.

I'm sharing this story in the hopes that it might help someone else.
my wife has what has been described as a financial addiction
when she was laid off her job she needed to make a car payment at the end of the month,
325.00 to be exact.
unfortunately instead of being honest with me and saying that her unemployment checks
had run out and that she needed help she discovers the cancer of payday loans!
since she had not been able to find a job in the months time to pay back the first loan
she goes and gets a second loan to pay for the first! and so on and so on! at one time she was trying to
juggle 3 loans with the payments at different times of the month, the only way i learned about it
was because her name was now on every single loan companies mailing list and they were flooding my mailbox
with offers! when confronted she of course denied everything...so she starts stealing checks from the check book
to make payments, her name is not on the acct to begin with! how can these companies cash my checks in the first place?
to make a long story short by this time her credit is shot, she doesnt even qualify for a credit card, YET...because over time she made friends with one particular girl that bounced around from loan company to loan company and eventually ended up at citi financial she walked out of a citi financial office in Waco TX with an 18, 000 loan! she was denied a 500.00 loan the week before? yet citi financial thought she was a good loan risk? not only that she completely lied on the loan application
concerning her collaterall! does not citi financial have to check that the applicant has these items to put up?
citi financial gave an 18, 000 to a woman with NO-zero assets? if they had done thier jobs and checked her application they would have denied this loan for bad credit score, so there you have it, how a 325.00 car payment turned into a 36, 000
financial disaster AND a broken family, thank you citi financial not only have you ruined a womans life but helped destroy
a 28yr marriage and family

Citifinancial auto does not work with its customers! After owning and paying for on time 4 dodge vehicles this year I was unable to meet my payments. citifinancial sent a repo man to pick up my pick up truck...when I went to make arrangement to catch up on the payments only to find out that 3 days later I would be due another payment or I would once again be behind and waiting for the repo man to show up again. I was also being charged towing fees; I watched the repo people drive the pickup...what was the towing fee for. Rather than be constantly be hounded by citi financial we opted to let them keep the pickup...think we will see anything in return for the vehicle we traded in on it...NOT! ENJOYING DRIVING MY 1984...NO CITIFINANCIAL HEADACHES!