CitiFinancial

The report is for a 77-year old man, my husband Robert **, who now has a $48,000.00 mortgage due to these two women's actions. It's called predatory lending/mortgage fraud. Robert only gets $786.00 and as we speak, is in a bad health. It seems that these two are able to get away with a lot.

I believe that CitiFinancial may be in this scam as well. They sent my account to Santander randomly. I was so proud of myself that I was finally in good standing with one account after the divorce. I felt very excited about paying the total amount especially when I saw that the $499 payment was going more towards the principal instead of to interest. However, as soon as this started to happen, CitiFinancial sent my account to Santander.

Ever since, my payment started going to Santander. My $499 is applied to more interest instead of the principal the way it was with CitiFinancial. When Santander introduced itself as my new account holder, they said everything would be the same as CitiFinancial. If most of my payment would go to the principal the way it was going with CitiFinancial, I would have been done paying my truck. It is very suspicious (fraudulent) the way they figure the payment. According to them, I still need one year before the payoff. I wish somebody would read all of these complaints and do something about this company. This company needs to be audited (by someone trustworthy) and shut down.

They have very poor communication between the departments within the company and their links to other affiliates.

I took out a personal loan in March of 2006 and along with the loan, I also added disability insurance and unemployment insurance.

In July 2007, I had to take four months off from work due to an injury. I tried to use my disability insurance to pay the loan while I was out of work. All these papers needed to be filled out and because of a disagreement when I was injured, they wouldn't pay the premiums. I had to find a way to pay on the loan while out of work. Then in November of 2008, I had to have foot surgery. I got the paperwork filled out and sent in before I was going to be out for six months. Again, due to a disagreement with a date of injury, they refused to pay any premiums.

I was awarded my disability from Social Security. I gave them the information and again, they are refusing to pay any premiums because I was awarded disability by a judge and not a doctor. I feel that I should get my money back on the premiums I paid for this bogus insurance.

In November of 2009, CitiFinancial in Midlothian, VA put my account into bankruptcy by mistake. I have not filed a bankruptcy. While trying to resolve this, the personnel in this office were rude and wouldn't admit that they made a mistake. When they figured it out and took it out of bankruptcy, they would not continue to withdraw the monthly payment from my checkbook as what was done in the past. Instead, they wanted me to come to their office and pay the missing payments or some type of back payments which was an amount I did not owe. The account was moved to NC, SC and bounced around different states.

Finally, after talking to a Dee ** in Texas, the payments were started again by checkbook deduction. She was very helpful in this matter. Still, CitiFinancial put the account in charge off because they said that we skipped seven months of payments. I have all statements from CitiFinancial and my personal bank account where the money was deducted and the payments made. These charge backs are showing on my credit report. I have proof that all payments were made except for November 2009, December 2009 and January 2010. I tried to make those payments and they refused to accept them in the Midlothian office where I was dealing.

Even now, CitiFinancial is charging a late fee of $10.00/month when they are deducting the payments from my checking account on the designated day. They still say that I owe a past due balance of $4,000. I should owe under $2,000 on this loan, but with their late charges and interest, the account is not showing that. They now claim that I missed five payments and the bank returned the payments for insufficient funds. This is also a lie or big mistake because the account has never been overdrawn or had insufficient funds. The bank statements can prove this. This account ** up has been going on for over a year and is still not resolved. I have all the statements, emails and notes from phone calls dating back from 2007 to present.

Force me to refinance with high interest 16.9% so they would not sue me. Which they still threat me now to sue me anyway but now they got me for more money this is loan sharks way to break you for a pay back of a loan.

Thursday November 4th I, Elizabeth *** went to Citi office to make a payment. Jason *** was the only person in the office at that time. He proceeded to pull the account in the computer and couldn't apply the payment, so he called the Douglas office to get help. They conversed for a minute or two and input something in the computer. He counted the money and gave it back to me and said I need to pay by check or buy a money order and gave me the address where to send the money order. So I got up to leave and I made the statement that the account was charged off last time I was in here and he said it wasn't and I said it was.

Then I said, "You just don't know what you are doing," and he said, "What did you say?" And I said it again, "You don't know what you are doing." And he followed me out to my truck, grabbed my truck door to keep me from closing the door and I jumped out the truck and told him he better let go of my truck door and then he said, "Don't you come back out here anymore." And I told him he doesn't tell me what to do. He has a very bad and nasty attitude because he doesn't know what he is doing. He had to call the lady in Douglas to make my payment for the month of October and it was charged off then. Just down right nasty.

I was first told that with the HAMP program we would get a rate of 2%. They say March and April were being deferred to the back of the loan since we have been misled in the past (February 2009, we were promised our loan was going to be or 40 years with a 8% interest rate, bur it was almost 9% and 6 months). So I did a QWR. I received a letter from the resolution specialist which he stated that we owed for April's payment. So my husband's work helped us with that payment; they gave us $1000.00 and we paid $39.33, which included the late charge.

At this time also, around May 23/24, 2010, CitiFinancial started informing us we were eligible for a deferment (about the same time the AG contacted them). We told them no and that my husband's work was helping us. I was by Chris and I could use the money for something else. He was told no. By chance from the QWR, the ledger showed they put the deferment on our account. When we went to sign the AOT for the loan modification, the amount deferred doubled from the 1st draft to the second.

I told John ** we paid for April and he said it was the back interest we owed. We signed the AOT loan modification papers with Under Protest. Also John ** states there's nothing he can do about it and he will say he doesn't know what I'm talking about; then he will say the deferment was free and the interest is $1003, which increased our loan. That $1000.00 from my husbands' work could have helped us with our medical. My husband is a diabetic and I have health issues also. They put the deferment on our loan to cover their lies.

My car payment was made to Citi Financial Auto for the month of September 2010 timely. The payment was due by September 9, 2010 and the check cleared my bank on September 10, 2010. Never have had I missed or had late payment ever with Citi Financial Auto. In the meantime, I received letter from Santander stating they were now handling our car payments.

The consequences are enormous. I have been charged with late fees for making my payment on time and now Santander has applied my October 2010 payment to September 2010, which, as stated before, was received and cashed by Citi Financial Auto. Now I am being charged late fee for October as well since payment applied to September.

There are several calls a day made to my home number to the point of no return. I could understand if I was a repetitive offender with poor payment history, but that is far from the case. I have tried to resolve this issue several times on the phone with Santander as well as faxes proving my payment has been received, cashed, but not accounted for.

It is very disheartening that a pair of companies that are making billions of dollars do not have the ability to treat their honest, hardworking, reliable customers with more respect. There has not been one time that Santander has followed through with any statement they made to make the corrections. These errors are not just affecting my household, but several others and that is just not how business is done properly.

I would expect the legal system to jump in and make both Citi Financial Auto and Santander correct their bad business behavior as well insist they communicate between one another to resolve issues without making the customer do all the leg work. The big business ** must stop and it is up to the legal system to ensure it does and no more innocent people are put in jeopardy of having their credit tarnished for no reason at all.

We were able to modify our second mortgage with a down payment but the first mortgage too. That time, made us pay for extension because they had too many to process or said they never received docs that I have proof of being sent. We were never told that we could have a mediator. Agents said we called in and canceled modification process.

Why would we if we paid 2nd? They said we called and said my mother in law died, which isn't true. When I asked to hear recording of calls that I kept a log, they said no. Asked if companies were going to merge and told no but after a few months of house being short sale the companies did merge. Why would money applied to 2nd go towards 1st? Our payments went from $4300 to $5000 for a 1969 house with 1700 square ft., no installation and crack slab. Complained about appraiser for 2nd because he was on some type of list. I asked him how could he appraise house so high and he said he takes pictures a certain way to present to bank.

All I want is to resolve this so I can sell my house. No one there wants to help me, they just keep switching me from one department to another. If you cannot help me maybe you could point me in the right direction. I worry that I will lose the sale of my house because CitiFinancial will not release the title lean.

I received a letter form CitiFinancial "headquarters" informing me that a loan I had taken out with them had been issued at an interest rate that was higher than legally permitted in California. The letter stated that I was receiving a refund on my account in the amount of overcharges in interest which came out to be only around $225. I have had this loan for 2 years and I only paid $225 in interest according to them? That doesn't seem right. When I checked my account, the refund had been posted as a payment of which CitiFinancial took interest out of. They took interest out of a refund of their own money? Yes. So I call the office that my account was moved to and no one can explain to me what exactly happened. The letter says that my interest would be reduced to 18.67% but my account still reads 20.99%.

I was also reassured by one the employees there that my interest was indeed at 18.67%. She even offered to send me a screen shot of her computer with that information on there which I did not receive in the mail. So why offer to do so? Also earlier this month, I accidentally made a double payment on my loan. Yes, it was my fault. But I called and was told that they would do me the favor and refund the payment to me. It's been 3 weeks and I still haven't received. I called last week and got in to an argument with the manager because of misleading statements that were made by her employees. One of their employees falsely claimed to be the manager when I asked to speak to her.

Who does this! What kind of professional does this! No one in that office knows what's going on with my account. I get the run around every time I call. They are holding on to my money for absolutely no reason! I have no doubt in my mind that I am being robbed by CitiFinancial.

When I looked through my statements, Citi-financial has been applying the entire 215.00 to interest. They also apply the payment late when the want to. There is no automated payment application process, they receive and process payments manually, which allows them to hold the check for as long as needed to incur additional interest. This is fraud at the most, deceptive practice at the least.

I had a personal loan with CitiFinancial Canada Inc. and never missed a payment. In the summer of 2006 I requested, in person at the local branch I got the loan from, a dollar amount to pay off my loan. I was quoted $9121.99 which was paid in full by bank draft, including a letter from my bank stating this payment of $9121.99 was for a full payout of my account.

Four months later I received a call from CitiFinancial stating they quoted me the wrong amount and I still owed them $$ AND I had to pay interest on the outstanding amount because I had moved and they were unable to get a hold of me due to the fact that I did not give them a forwarding address (not sure why I would give them a forwarding address as, by my thoughts, I no longer had an account with them) Is this legal?

Consistent harassment of phone calls and threats of garnishing wages. Not only have they created huge strain on my family's life, we are constantly in fear of what financial & credit damage that this could do to us as a result of THEIR error.

Do I have a legal case?