CitiFinancial Servicing
Reviews and Complaints

On October 15, 2009 my car was repossessed while I was ill and in the hospital. I then sent $1303.96 to the company to return my vehicle on Ocotber 21, 2009 by Western Union.
The company has refused to give me my car back and has not honored the agreement sent to me certified mail.
Can someone help!
[protected]@aol.com

I just got a new cell phone two months ago. I have never had a loan through Citi Financial Auto, yet they have my phone number connected to one of their delinquent accounts. I am sure the problem is rooted in the fact that cellphone companies recycle old phone numbers and I have become a victim of this practice. The harassment began just a day after I got my new phone. Citi Financial Auto began calling up to five times a day looking to collect a debt from someone I had never heard of. After calling Citi Financial Auto in Texas multiple times to have the number removed from their collection list, they continue to call my cell phone up to five times a day. This cost me money every time they call because I have to explain that they have the wrong number. Just one day after talking to someone named "Jenny" and the manager "Ann" at the Texas call center, who assured me the number was removed from the delinquent account, I got a call from Citi Financial Auto at 9:50 am on a Sunday morning. When we called back after this harassing call we were told that "Ann" was a generic name they used for all of their managers and there was not way to track who we actually talked to just the day before. I have listed my cell phone number on the national do not call list and they are now in violation of this national law.

I am a service member who protects this country. I have been trying to pcs to another duty station. Where I have to get permission from the lienholder to take my vehicle. I have been working on this for over a month and I have still not gotten any results. I called one day to find out what I needed to do in order to ship my vehicle. The person(S) I talk to said that I only needed a fewer things and they needed to be faxed to them at the following number. I said well okay what are the items. She respo money nded with a letter stating where the car was going to be how long the car was going to be there and how it was going to be shipped and who was shipping it. Make sure that my account number was on it and there name and address. They needed a set of my orders an les (military pay stub) proof of insurance. They wanted proof that we had started a direct despoit on to the account too. When the lady told me that, I asked why and I also respond with we have never been late on a payment. On top of that when we first signed up for the loan they already had a pay stub. The voice on the other side stated I dont know this is just our policy. When she said that I asked her to repeat it again because I could barely understand her. She transfered me to another department. This went on for a couple of days of trying to get a straight answer. Still nothing has been accomplished, I faxed another wanting confirmation with a call back stating that once recieved to call me. That was never done. I called my insurance they tried helping me out also and still did not get anywhere either. I have provided them with them with the following information several times. No response. I called again today. I told them if I can not take my vehicle with me your not getting your money. They guy hung up on me. I called again and this time I got told that they were going to repo my car. All I have to say is I serve my country and I get no respect. Fine then they wont get there money and they need to hire people that knows what they are talking about.

I am a customer of rooms-to-go and citi financial. On 8-13-06 I purchased items from rooms-to-go totaling $1534.93 which was not due until 1-14-08. On 9-23-06 I purchased items for $2216.96 not due until 4-14-08. On 1-13-07 I purchased items for $639.97 not due until 1-14-09. Total due as of 4/2008 was $3751.89, plus two months of interest and fees of about $117.00 equal a grand total of $3868.89.

In march of 2008 I sent a cashiers check to citi financial attempting to pay the entire amount of $3868.89 off and in full. The check that I mailed was for $4392.00, which left $523.11 to be applied to the amount not owed until [protected]. This should have left an amount around $116.86 which would not be due until january of 2009 in accordance with their promotion.

Instead of applying payment to all amounts owed for the 2008 charges citi financial took it upon themselves to apply only part of all but about $1.70 of what was due for 2008 and all but about $95.81 of what was due in 2009.

Further, citi financial raised my apr to 263.16% and 277.83% for the two 2008 balances which is completely unethical.

I have attempted to correct this error that citi financial employees have admitted is an error on the behalf of citi financial. The employees state they cannot help me and constantly refer me to another person. After six attempts I am being told that I have to give citi permission to fix their mistake. I am told that I should have caught their error four months ago and called then, and "now it is too late. " I am told if I don't agree I can file a complaint, but they will not refer me to an address or telephone number to file the complaint. They told me I can send a fax letter telling my story but will not allow me to follow up on the fax.

My account is now delinquent and past due as a result of citi financials actions. I have also attempted to ask rooms-to-go for assistance, but they have refused.

My account has been blocked and citi is demanding payment.

Final point, the total amount I paid in march 2008 was much greater than the amount I owed up until january 2009. The account should not have any amount due at this time and citi financial states they cannot correct the error. Citi financial states my only option is to pay them the amount due as they have determined even in view of their admission of the error.

8-13-06 purchased 1184.95 (No interest/payment until 1/2008)
8-13-06 purchased 349.98 (No interest/payment until 1/2008)
9-23-06 purchased 2216.96 (No interest/payment until 4/2008)
1-13-07 purchased 639.97 (No interest/payment until 1/2009)

1-14-08 minimum payment came due for the first two purchased, plus interest and fees (About $117.00 in interest and fees).

March 2008 total due minus what was due starting january 2009 was around $3868.89. In march 2008 I paid citi financial $4392.00, leaving a balance of $116.86 which should still be covered under their "no interest/no payment" plan until january 2009.

Again, citi financial is refusing to correct their error. Several dollars in fees and interest have now been added to my account. And, my account is delinquent!

We bought a used Buick Rendezvous from a dealer and a little over 2 later it started breaking down on us, so we took it back to the dealer. They told us the warranty was out on the part and to fix it we would have to come up with $2000. Yeah, right. We demanded a new vehicle. And they sold us a Jeep Commander, and said they were sorry for the trouble, but still wound up placing the Buick loan on top of the Jeep loan. Upset down. Fine. After repeated requests, Citi lower the monthly from insane to normal $545, considering the size of the "new" loan. We made regular payments for 2 years. Now my wife lost her job, and I called Citi to see about restructuring the loan for lower payments. The guy (they always go by "Mr. so and so OR Mrs. so and so") told me if i make 3 more regular payments it could happen. Did that. Requested the modification. The lady I spoke with now, said she didn't now any rep by that name and didn't see the agreement, but said that 3 more payments and I could get the loan restructured. I felt this was just a runaround they were giving me. Then I get a letter in the mail stating that now they are charging me $116 extra on the monthly loan because I had missed some insurance payments. I missed 2 cause of her job loss but immediately picked up my insurance company again. Now they are demanding that I pay my $545 payment (which I have now been told cannot not be change because they only do 1 modification per loan, ie they lied previously), my normal insurance which is $100 comprehensive and their $116 collision insurance. Where do they think the $$$ is coming from? I called to make arrangements to pay in August for the July payment and the lady combined the insurance and the payment but said I only needed to pay $597 (I also did this type of payment in June with them per the conversation with one of their reps). They miss-typed a digit in my bank account, and the check came back to them stated the account was closed. I talked to my bank and they said they haven't received any check from them. Citi agreed it was their foul up but is now demanding I pay the full insurance payment with my monthly payment. What? I made the payment per arrangement, it was their fault the check came back, and now the arrangement is no good? This company is a financial crook. NEVER SIGN ANYTHING WITH CITI ON THE FORM! They will scam you! And they're getting massive money from the government to boot!

I borrowed a 10, 000 loan from CitiFinancial in 2004, the pay back is $18, 000. I purchased a car for my daughter and paid off some credit card bills. I pay $300 a month for 60 months. I got a $1, 000 loan in 2007. They refinance the loan. Let's do some simple math! I paid $300 a month for 3 Years. $300 x12=3600 x 3=10, 800 thats what I have paid so far. I got laid off on April 30th, 2009. So, I couldn't afford to pay $300 a month. So, I called to see if they could lower my payments. They reduced my payments to $145.00 and sent me a statement saying I will pay this amount for 122 months. Lets do simple math again! $145 x 12=1, 740 a year x10 years=17, 400. So, I talked to someone in customer service and she told me that my balance was $20, 155. I have paid $10, 800 already.
When I finish paying this loan off, I would have paid $30, 955 for a $10, 000 loan. This has to be illegal! I need a attorney to call me @ [protected]. My name is Brenda Brown.

My husband is a small contractor who uses a Home Depot credit card issued through CitiFinancial. We recently received a letter about an "across the board" rate hike which more than doubled the interest rate. Of course, we could have opted out, but he needed the card to do his business so we decided to stick it out. Just shortly AFTER the opt-out period ended, we now get a letter stating the company is no longer going to "carry" that card and all accounts are being closed. So now we are stuck with an outrageous interst rate and no way to use the card to continue our business, which is how we were going to pay the increased interest in the first place. If we had known the card would be closed, we would have obviously opted out. Talk about feeling raped! This may be the end us.

Every month on the 5th I have an auto-pay taken out of my account for my car payment.

On June 5th, no auto pay was taken out, so I waited and waited. Around June 13th I called and told them about the problem. I spoke with a representative for about 30 minutes trying to get to the bottom of it, they referred me to another representative who I had to explain the problem to over gain and then he referred me to a voice mail of a Supervisor whom I left the message regarding trying to get my car payment PAID.

I called back the next day after no response to phone message, emails and talking to several people. After talking to another person, they said I needed to make a debit over the phone for the payment, so I did gladly to get this taken care of immediately.

On July 15th, still no debit from my account. I email their customer service emails (2 of them) and proceeded to explain that I did a transaction over the phone and they gave me a confirmation #. At this point, still no reply.

On July 17th, I called back and got Ms. R, and during my conversation with her which lasted about 45 minutes, she worked her computer and proceeded to do another debit from my checking account with the routing number and checking account number. After all was said and done, a confirmation # given to me, I thought all was taken care of.

July 30, I called again asking for another Supervisor after giving the information all over gain to their call center as usual. The call center person proceeded to tell me that "I" was the problem. That I must have given them the wrong numbers to my account. At this point, needless to say, I was fuming. How hard could it possibly be to PAY MY BILL. These people working there at Citi Financial Auto must be complete ###s! Well, after I wouldn't talk to this woman any more, she said she would transfer me to another supervisor. During that time, the call was disconnected. This was just great!

July 30, One hour later, I called back and said I wanted to speak to the person who runs the show. I was referred to a woman named Lisa. After another hour of going over all of this once more, she proceeded to do ANOTHER check debit with the same account numbers that I had already given three people to get this debited from my account. After all was said and done, she assured me that the transaction would go though and no late charged would be charged and that she would make sure that nothing got posted to the Credit Reporting Agencies for their mistake.

August 3, There were no charges posted to my account. My car payment was now into TWO months with a third payment just days away from needing to be paid. I email her back with all coorespondence from the Credit Union telling her that there was not a problem with any of the account numbers, or any information that I had given them. They told me that it was their system. I forwarded all of the documentation to them.

August 4, Still no debit from the account. I then proceeded to send another email to everyone I could find on the internet that was associated with Citi Financial Auto and cut a pasted the entire email log to each one of them. Still no reply from anyone.

August 6, FINALLY a debit to my account for the car payments, however they charged me $14, 95 for a late fee. I emailed all of their Supervisors letting them know that the debit finally went through and to please send confirmation of email and to credit me the $14.95 back.

I spent 8 hours of my time over two months with 10 employees to get my car payment PAID and hoping that my auto-pay will continue with no more problems on their end with processing correctly.

I just hope that this company does not put this on my Credit Report as delinquent and I hope as a result of the Fair Credit Reporting Act they will make them take it off if they do put it on.

I don't know about you, but this is ridiculous! It took that many employees to process a payment? No wonder why the company is in a financial mess.

I am a customer of Rooms-to-Go and Citi Financial. On 8-13-06 I purchased items from Rooms-to-Go totaling $1534.93 which was not due until 1-14-08. On 9-23-06 I purchased items for $2216.96 not due until 4-14-08. On 1-13-07 I purchased items for $639.97 not due until 1-14-09. Total due as of 4/2008 was $3751.89, plus two months of interest and fees of about $117.00 equal a grand total of $3868.89.

In March of 2008 I sent a Cashiers Check to Citi Financial attempting to pay the entire amount of $3868.89 off and in full. The check that I mailed was for $4392.00, which left $523.11 to be applied to the amount not owed until [protected]. This should have left an amount around $116.86 which would not be due until January of 2009 in accordance with their promotion.

Instead of applying payment to all amounts owed for the 2008 charges Citi Financial took it upon themselves to apply only part of all but about $1.70 of what was due for 2008 and all but about $95.81 of what was due in 2009.

Further, Citi Financial raised my APR to 263.16% and 277.83% for the two 2008 balances which is completely unethical.

I have attempted to correct this error that Citi Financial employees have admitted is an error on the behalf of Citi Financial. The employees state they cannot help me and constantly refer me to another person. After six attempts I am being told that I have to give Citi permission to fix their mistake. I am told that I should have caught their error four months ago and called then, and "Now it is too late." I am told if I don't agree I can file a complaint, but they will not refer me to an address or telephone number to file the complaint. They told me I can send a fax letter telling my story but will not allow me to follow up on the fax.

March 2008 total due minus what was due starting January 2009 was around $3868.89. In March 2008 I paid Citi Financial $4392.00, leaving a balance of $116.86 which should still be covered under their "NO Interest/NO Payment" Plan until January 2009.

I purchased my car in 2005 and the lien holder being Citi Financial Auto. At first everything was good because I paid my payments on time until last year. I lost my job after being employed for 6 1/2 years and was drawing unemployment until I could find another job. Still making my payments on time until October of last year when my hours were cut. After calling the CS department (which you stay on the phone forever) I was told I had to speak to my account manager. My account manager would never return my calls and when she did call back, she was snotty and rude. I could never get anywhere with her and she would only tell me to pay up or they would repossess the car. It took me up to May of this year to get my car payments caught up. Which was fine with them and we were to have an amendment done so that I would not owe May's payment. The amendment was never done by Citi. I moved from Indiana to Montana at the end of May. In June I called them giving them all of my information and work info so that I could get the bills needed to make my payments. It was then I spoke to James who said the amendment wasn't done and I was a month behind. I hadn't started work yet, and let him know that. Since that time now two months, Citi has called my place of work 7 times, friends and family numerous times and has made threats to repossess the car. I'm not sure what else to do with the loan company or what avenue to take anymore. In the state of Montana, a creditor cannot call your work, but that has not stopped Citi. I have told them time and time again, you will get your money and I have just started my new job. When will it end?! They won't listen to me and I've had it! No one in the company is willing to look at the case because I have been late 30 times in 4 yrs of having the car.

My husband lost his job and I have been trying to get out of debt as quickly as possible. I was looking into getting a low interest personal loan from my pension to consolidate our car payment and credit cards. I have had a car loan with Citifinancial since 2006. When I called for the payoff information in April 09, they told me I still owed $11, 000. I thought this was too high, and I asked for a copy of my payment history. How illuminating that was! according to the document I received, the outstanding balance as of 3/29/06 was $16, 350.69. As of 5/26/06, my outstanding balance was $19, 959.69! By 7/22/06, my balance was back down to $15, 986.29. By 2/8/07, I owed $18, 239.74! In 7/22/07, I owed $14, 665.24 and the balance has been reducing normally since then.

My payment is $381.80 and with few exceptions, over $200.00 of my payment is still going to interest. I also noticed several months where the $381.80 payment, which I sent as 1 check, was broken up as a "regular payment" and an "irregular payment".

I called the number for customer service from the payment history document and the person I spoke to was very condescending. He told me I was being charged $5.37 interest on the balance daily. This means that I have been overcharged for interest and am due that money credited to the principal of my loan. I asked to speak to a supervisor and was put on hold, only to be told one was not available. I am currently waiting for a call back, but am also writing to this complaint board to warn ALL Citifinancial Auto customers: Get a copy of your payment history. Look at the balances and how much is applied to the principal. Watch for large jumps in the amount of your outstanding balance. These people are doing something illegal, and it's time they were stopped!

On 6-18-02 we obtained an auto loan from Auto One now known as CitiFinancial Auto. This past Feb 4th of 2009 we paid the loan off by personal check. The end of Feb. we received our title and a congratulatory letter that confirmed the loan was paid in full. May 5th, 2009 I received a letter stating that there was a remaining balance of $1059. The letter ask that I send my original contract and continue making my monthly payments. I called the rep. the very next day which was the 6th of may. The rep told me that my check was returned for imaging on May 4th. He did not know what imaging was. I continued to call daily to resolve this. The original payoff was $1047.62. I should not incurr anything above my payoff amount. No one at your company can tellme what imaging is and they cannot tell me where the check is, so I called my bank to stop payment, cost of $25.00. I was told on the 8th of May to call John Heath on May 12, 2009. I called him on the 12th, 13th and 14th. and left messages. To this date May 20.2009 I have not received a return call. I ran my annual credit report and it shows my CitiFinancial Auto account as being paid in full on Feb. 2009. I want this resolved at no extra expense to me I paid this in good faith and have had nothing but problems since doing so. I would not recommend CitiFinancial Auto to anyone that I know. I guess my question is how can you release the title and release the account on the credit report and then 3 months later send a letter stating that there is still a balance. I don't feel your process of payments makes any sense .

Thanks for your time

I have an excellent credit score and an excellent record of paying bills on time. In fact, I have no other credit card debt except for the small amount that was charged to CITIIFINANCIAL account from 1800 Mattress. And the only reason I opened the CITIFINANCIAL account was because 1800 Mattress offered no interest payments, if I opened the CITIFINANCIAL account. Majority of the time, I have made significantly higher payments on this account than what was minimally due. I believe CITIFINANCIAL intentionally avoids mailing out statements in order to generate income from late charge fees. On two separate occasions I have not received these statements and therefore missed my payments. As I am a very busy professional with a young toddler, keeping track of statement due dates was not one of my priorities. Therefore, I expect the companies such as CITIFINANCIAL to uphold their duty and mail the statements on time and every time. I have never had problems receiving other mail, such as utility bills or credit card statements from other companies. Since this occurred on two occasions, I believe this is done intentionally and is an UNETHICAL practice of CITIFINANCIAL. Since I am making all the payments with no interest, this company is not gaining a profit from my account. Therefore, I believe by not mailing statements and charging late fees is an UNETHICAL practice that this company utilizes to generate profit from each customer. I have called to dispute this late charge and the customer manager suggested that I mail a letter of dispute to their lawyers with evidence. As it is impossible to provide such evidence, I have decided to payoff my account but felt the need to share this information. My goal here is to inform the public of this complaint and suggest that by all means, PLEASE DO NOT USE CITIFINANCIAL FOR YOUR SERVICES.

I recently made purchase with Ashely Furniture and had my purchase financed through Citifinancial. I have yet to receive a statement. I've called them five times now to verify my mailing address. They have assured me each time that a statement is being sent, still nothing. They say this account is not accessible over the internet so I cannot get an electronic statement and they simply refuse to fax or email one to me. I've asked where to send payments and so far have been given two different addresses, now I'm afraid to mail anything without a statement for feaer of it not being received or not getting processed properly. What can I do to make them give me a statement and continue to do so on a regular basis. I will NEVER use citifinancial again.

Questionable Fees and late Fees? My individual case is similar to most of the postings listed here. My original contract was purchased 14 months ago by CitiFinancial Auto and it's been a nightmare ever since. I recently re-financed my vehicle with my lending institution just to get away from CitiFinancial Auto. At my loan closing CitiFinancial Auto did not want to release my payoff amount and really gave my Lending Officer a hard time as well as upset me greatly. I ended up paying $663.00 over and above what my balance was just to get rid of them. Now it's my turn. I have made every payment, with one late payment...and have all my records.

If you are serious about going the distance to bring this company to court, email me and tell me to count you in.

If I obtain enough names and committments, I will then ask the attorney for a class action lawsuit. Other-wise I will be taking this company on alone.

Only email me if you can back-up your records, you are committed and have the patients to deal with this suit.

My advice...find another loan institution to re-finance with and get out from under CitiFinancial. It WILL NOT get any better.

We have our payment arranged for automatic debit from our account. It was set up through them and is set for the 24th of every month. It has been automatically withdrawn every month for 6 months but, in the last 2 months I am receiving calls saying my payment is past due! The original loan date was the 22nd, but, when we made the auto pay arrangements that was a weekend date, so the person that set it up made it for the 24th. I have gotten no late payment fees, so that part is fine. These phone calls on the 24th start at 8 am and when you call them back to explain, this department appears not to know what is set up! No wonder they needed bailout money, they don't even know what one department does, from the other, within the same division! Heaven help us all, these "banks" are not in control of anything, except ineptness.

These are some of the most incompetent people I have ever dealt with. I have had my car loan with them for several years. I had it set up where my payment was automatically subtracted from my account every monthy. Before that I paid online or on the phone. I recently purchased a new car so I wanted to pay off my old car and get the title so I could sell it. Why would a company allow you to make payments online and on the phone but not pay it off that way?That makes no sense. In order to make the process easier I called them 3 times to get the EXACT payoff amount. I went and got a cashiers check and sent it in. I checked the account a week later and it said I still owed money. When I called them they quoted me an earlier payoff that was $80 more...though online it said $40.92 more. They apologized for the bad info. AGAIN, they couldn't take this amount over the phone or online. So I had to take time out of my work day and I sent the $40.92 through Western Union. So now it is paid off but I have to wait 5 days so they can send the title. The people barely speak English, they have been rude and uncooperative and a simple task like paying off a loan has been a nightmare. Just stay away from this company. They will make things alot harder than they are.

Citi Financial is THE WORST company to ever do business with. the customer service is awful they are rude very disrespectful and have no type of business ethics. I had been having trouble paying my car payment on time and the customer service rep asked me could my father help me and I said my father had just passed away and he had the nerve to say well didnt he leave you with some money no im sorry to hear that and I didnt know he just came out with did he leave you with some money? I dont know who they got running that compabut when I am done paying mu car off im NEVER EVER dealing with that company again. I dont recommend that financial institution to anyone.

I have had my Citifnancial retail account for nearly a year and a half now. Honestly, my payments are ALWAYS on time and much more than the minimum due. My FICO score was 612 until TODAY. Today I decided to apply for a lousy $179 extension for credit with Citifinancial, because I wanted to purchase a normally priced $1399.00 dinette set or te awesome total of $679.46. My current available credit with Citifinancial is $509, so I only needed my credit extended in the amount of $179.00 total. Of course I was DENIED! When I returned home, I called the toll-free customer service number & they made me aware that they closed my account as of TODAY because my FICO credit score. The economy is so low right now, Citifinancial goes & does this to me WITHOUT warning, they couldn't even give me a chance by extending my credit. So, it leads me to say this: THERE IS NO WONDER WHY CRIME GOES ON!