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I wish I had read these reviews before making a final decision. The company I am providing a review for is Fairstone Financial, which previously was known as CitiFinancial. The only reason I'm giving 2 Stars instead of 1 is due to the Customer Service... My experience was with people who were polite and sincere. I've taken out many loans on many different products including beds, stereos, computer systems, cars, and the biggest one, my home. All, with a clear understanding of when payments are due. I've never missed a payment or defaulted on a loan.
A little over 3 months ago I purchased a LG Flat Screen TV from Visions Electronics. They convinced me to purchase the higher priced model and use Fairstone to spread out the payments over a 3 month period. Based on the layout of their statements, it appears that 'Payment Due' on the upper right hand corner was the one to pay attention to. However, it was not. There is a date on the left that shows Next Plan Expiration Date. In this case, was 7 days prior to the date showing 'Payment due' on the last statement.
I called and received the explanation that the wording was there to show which date the final balance should be paid by (Is on the opposing page in very small print). This is a very dishonest/shady practice and I'm sure has caught many other people who pay the interest charge and don't submit a review/complain. I did mention to the customer service representative that I understand that I was caught by this technicality, but would appreciate an accommodation as I was interested in obtaining a loan to complete a home renovation project. The answer was not able to reverse/discount the interest charge as was over 8 days (by the time the payment was posted).
Additionally, this paying interest on the initial balance needs to stop. It's a huge money grab. I would also recommend (if FairStone executives read this and actually care, have 1 date showing when a payment is due... and that's it. All other credit card and loan companies I've dealt with have this.) I paid off the interest balance and closed the account. My resolve now is to tell as many people I know to be very wary of obtaining credit and will also be going back to Visions to tell them what happened. This might prompt a review of their business relationship with FairStone. Your move.
I bought my wife a diamond ring with the use of Fairstone that was offered to me at the jewelry store for 12 months no interest. Started January and I almost entirely paid the whole amount by November leaving $1,200 on the last month, and because I forgot the date contract expired on the first week of December and remitted the final payment a week after, Fairstone is charging interest from the very first day I borrowed the money from them. It is such a greedy strategy where they could charge interest only to the amount that I didn't pay on time which is $1,200, but instead, they charge me for the interest whole year for $970 from a $5,000 borrow.
Imagine for just one week difference, and it cost me $970? So injustice. I called and negotiated, and they gave me a 25% discount... Wow. I owe them big time. I canceled my account right away and will never use them again. Here in Canada, financial institutions are racing for the interest rates and making Canadians severely suffering while they are laughing at you from your back. Too much greediness and that is bad. Now I realized why Canadians severely stressed from interest rate coupled with government taxes... So greedy and that is a bad thing, bad for people and bad for the economy. Lesson learned a lot. Beware of what you sign and read fine prints carefully because this institution is sneaky.
Have a truck financed through Citi. You cannot understand the phone operators foreign. When payments are made it ends up on your credit. I have missed 6 payments they say I still have my vehicle. Funny. Will never deal with them again or family.
My ex wife had a problem with money. Several credit cards, Money Mart, EZ Home financing. (All unknown to me). I took her to counselling and went to CitiFinancial to consolidate her debt. After paying 500-700 a month for 5 years I thought something was wrong as I was under the impression it should be paid off by now. I had an audit done and found out yes. Someone there screwed up and I overpaid by 3,000 plus dollars. I got refunded the money. The loan was paid in full 2015.
Here's where my problem is. In 2018 I went to get a mortgage for 225,000.00. I been working the same place for 31 years with good income. I am debt free with the exception of a credit card that I recently purchased three airline tickets. The bank checked my credit score and said I still owed 18,000.00. I disputed this, explained everything. I called Fairstone (new name for CitiFinancial) and they indeed said the file is closed and they faxed a Paid In Full letter.
Even after that I was still unable to get a mortgage. CMHC wanted me to put a 20% down payment or get a co signer! Fairstone did not remove the debt from my credit report causing all these problems for me. The bank said my numbers are good. It's just that the loan that I paid off in full was still on my credit report because the company failed to have it removed. Also the interest rate for CitiFinacial was around 26%. If you ever need a loan. Go see Tony Soprano.
My wife decided to get some relief from a couple of debts. Borrowed $7500 which included paying off the debts plus a little cash. She was also convinced to purchase insurance. After 4 months paying off $1500 without missing a payment we tried to close the loan. We were told to close the loan we would need to pay $7513. The manager of the Burlington store could not explain how the loan goes up as we make payments rudely insisting over and over that I am not capable to understand how loans work.
The only possible explanation is that they dump the total cost of the insurance, in this case $3000, on top of the loan. Even though you can cancel the insurance at any time, the base amount of the loan remains unchanged until you have paid off the insurance. Oh, and my wife intended to save money by getting a better interest rate than she had on her debts, the worst being 29%. The staff tricked her into getting a loan at 36.6% which they assured her would save her money. I know, we should have known better, but the message is that they are out to make as much money off you as they can and they really aren't interested in your needs. Very dishonest and condescending people. You'll owe more than you borrowed, that's their plan. Stay far away.
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Last summer, I purchased a car stereo from Vision Electronics and I was offered a 3 month no payment interest free plan. Thought it was a good idea as I was going on a road trip, and I could pay it off in a couple of months. I wound up being charged a $20 admin fee. I didn't need the credit from Fairstone, I could have paid it off with another more reputable credit card. The stereo only cost me $500.
Fast forward to Nov. 2018, I purchased a laptop from Vision and was told I wouldn't have to pay any fees for 3 months, if I wanted to use the Fairstone credit card. Thought I would give it a try. I watched for my credit card statements to let me know when the payment was due. A few invoices came saying the time hasn't expired yet and $0 owing.
My March Statement arrives and suddenly it shows I'm past due now and I'm being charged 29.99% on the full amount totaling $52 on a $650 item. Because of when I open my account that is my billing cycle, Feb 6-Mar 6, I wasn't advised that my payment will be due on March 1st as I didn't get my statement yet. Instead I was charged a late fee and interest, and it has also been recorded on my bureau that I missed a payment. I am traveling this summer and wanted to get an Aeroplan Visa but was declined due to this missed payment. I find this very poor practice and have been forced to pay the interest but it also hurt my credit rating. I have since paid my credit card balance including the interest and fees. I have also closed my account and will never use them again.
I took out a 25,000 loan, 22 months ago. Paid 460$ per month. I had missed one payment and late for another one. After a small inheritance I was able to pay it off after 22 months, only to find out of my $11,000 payments that I made over almost two years only $1,000 came off the principal, the rest was interest only. I had to jump through hoops just to pay it off, told I had to request in writing the payout amount AFTER I called earlier and asked the process and the girl who answered assured me that all I had to do was come in with my chequebook. I had ZERO knowledge that a lien was placed on my house as a second mortgage, nor that it was a 10 year loan. I requested a 5 year loan.
The staff (with the exception of one or two girls) in the St. Catharines Ontario location were downright condescending and rude. I heard the one girl call me a ** as I walked out the door. Extremely unprofessional on every level. I would NEVER do business with this company again, nor would I ever recommend them to anyone looking for any sort of financial help. You are literally digging yourself into a worse situation. I NEVER write reviews for anything, but if my review will help one person to not have to go through what I did then it will be a good thing.
Somehow I bumped into a Fairstone loan advertisement. It states one can receive a quote without impacting your credit rating as this was in fact NOT a loan application and simply a quote. I have been considering consolidating some credit cards and decided to get quote simply to see how much I would be pre-approved for. I never actually made the decision to apply for a loan with these people. Literally 3 minutes after the quote came in I started receiving call after call about the Fairstone Loan I “applied for”.
Calls continued then the emails started “we have made several attempts to reach you regarding your Fairstone loan application.” Of course I made it clear I never applied for a loan and after all this, never will. NEVER do business with this company!!! If this is how they act after an INQUIRY I can imagine the conduct if I owe them money. The information on the site is misleading and shady! Do not trust this company with your finances and personal information!!!
We recently purchased some home gym equipment and decided to finance the no interest payments. The application process on the phone was a nightmare. We were told this was Fairstone Financial Credit Cards. It should have been explained they were formerly CitiFinancial. I would not have financed the purchase and instead paid for my purchase outright!
About 1 1/2 months after our account was opened, we received a call saying our payments had not been made. I had put them on recurring bill payment. The money had come out of my account. My husband gave permission to the phone rep to speak on his behalf as I am the one who does all the banking. This was noted on the file.
After a lengthy and involved conversation, the rep admitted this was a new account and he did NOT have the complete file to see the payments that had been made. I work in the financial industry so I know all about collections, automated dialers etc. I was very distressed that they placed an outbound call through collections without even having the full file! Of course, my thought is that payment was not reaching them but there was no way to confirm. The payments were not returned by my bank so I assumed everything was fine. However, Fairstone could not confirm this and the individual promised to call me back in 2 days once he investigated!
I NEVER received this call. I called them back and was told that the authorization my husband provided to allow me to speak with them about this account was a one time exception and they would NOT speak with me to confirm they had even received the payments or that the account was up to date. I had gotten a payout figure from the automated system which seemed to be consistent from the original amount (less the payments I made) so I just paid it off in full. I will have my husband call for a full payout amount and then be done with them. This is the WORST experience I have ever had and will be sure to share with ANYONE and EVERYONE. Do NOT finance with this company! EVER!
My parents have worked hard their whole life. So when my parents applied for a mortgage 23 years ago it should not have been any problem for them to get it. They also owned other property that has a very good value on it. The mortgage was supposed to be 9% interest on a $30,000 loan. My parents have now been paying on this mortgage for 23 years and I saw the paperwork and the mortgage amount they are trying to say my parents still owe is over $27,000. How is this even possible. They have been charging my parents an interest only type of loan evidently for a long, long time. They never signed any paperwork giving them consent to an interest only loan.
They forced my parents into that extra insurance that cost a fortune that said if either of my parents were to die or become disabled to the point they could not work the mortgage would be paid in full, then they lied and supposedly said they didn't file the paperwork right. Then after my parents' loan is finally sold from CitiFinancial to Bayview do I find out how much they are really ripping my parents off. CitiFinancial was always careful about not putting that information about interest on the payment vouchers. No one from their company could ever give you straight answers. Bayview is just as bad. They are wanting to charge my parents 662.00 a month and all of it is going on interest and none on principal. Both of my parents now are senior citizens on fixed incomes with health issues that have had the last 23 years of hopes and dreams robbed from them. Someone please help, isn't there someway CitiFinancial should be in trouble for this.
First RED FLAG - I called and applied for a Home Equity Loan. BIG MISTAKE... ONE HOUR AND TWENTY MINUTES ON THE PHONE WITH A CLOWN WHO SOUNDED LIKE A ROBOT. Nice guy, but could he spell the most easiest words... NO!!! Half of the time spent on the phone with him was ME teaching him how to spell. So the app goes through and next comes the CLOWN-ET processor. CLUELESS... CLUELESS... CLUELESS... couldn't get a hold of her via phone AT ALL. Her correspondence through email was so contradicting which left me even more confused. Felt I was lied to and found out she really, really was clueless... Need I say along with the so-called underwriter. The whole process dragged on and on so I went to my local bank and within 25 days we CLOSED on my loan. PLEASE DON'T WASTE YOUR TIME WITH THESE CLOWNS...
Wanted to consolidate our debt as it was overwhelming at the time. Borrowed 20K, they charged $548 to borrow with an interest rate of 24.19%. Unfortunately, we needed the loan so $20,548 with higher interest rate was the only option. After paying 11th month, about $5k, we were able to get a loan with our bank so we decided to pay to loan with CitiFinancial. After all fees for this and that and the remaining of the mortgage we owe $ 21,100. Stay away, I wished I had... We paid 5K and we owe more than when we started.
Very terrible customer service. The employees are so rude. They are nice till you actually sign the loan. I paid $1000 towards my loan and they only posted $500. I've called several times and the man who created my loan his name is YAASIR but oh boy how rude can someone be. He said "well I don't know why only $500 was posted. I've done my job and I am here not to only satisfy you so I will have my manager call you back on Tuesday when he's back on vacation." So if the manager quits the entire company shuts down? What a joke. I really wish the owner of FAIRSTONE would see how terrible these losers are running his company. I will be moving this loan to CASH MONEY for my peace of mind. Terrible Company. I should have read all these reviews. ALL of the employees in Edmonton branch 610013 SHOULD BE FIRED ESPECIALLY YAASIR!
Mother got loan to pay off truck when I was layoff from THE ASSOCIATES in Washington, PA 2008. That company sold our loan to ONE MAIN, Washington, PA who sold to CITI FINANCIAL. They gave the loan to SLS to collect. All the payments made over the last 8 years have gone to INTEREST!! They got the loan as a mortgage, but it was not a mortgage loan from the start. My mother is now 90 and weak, my name is not on this loan but I am on the deed. Question, what will happen when she passes and the loan is open. A total of 22000 we paid for a 6000 loan in 2008 and is still not paid off? Late or on time payments make no difference! It all goes to interest. What is a veteran to do? And no I do not have good credit.
I applied for a loan. Wanted to buy a car for my son. He refused unless he can pay it. He has 16000 dollars saved. He wants the Mercedes E550. Was missing 14000 dollars So I called 1855 388 8604. Talked to a girl named Sarah. She said 1.4 percent to 2.2 percent. Then I created an account. Everything was fine. They told me I am accepted and I have great credit. I am retired. Have a 3000 dollar a month pension. Have 2 properties that are estimated at about one million one hundred thousand paid off. Then I spoke to a woman named Line at 1450 687 7950 she quoted me 20 percent. Are you Citibank ** nuts. My son got 9 percent from the bank and he refused it. I have assets paid off, a paid Maserati in my lot, I don't owe nothing to no bank or anyone and you degenerates wanna charge me 20 percent. Do not even waste your time talking to these scammm artisttt...
Mother @ Father deceased. Can't close estate. Sent all legal documents in 2015 by fax and certified mail with return signatures, return receipt. I have called them over and over concerning my mother's account. All they will say is they never received the papers therefore they will not talk with me! I am trying to sell the property and they will not return my lawyer's calls. I have called them twice this week and I get the same thing - "You need to fax us the legal documents." I can't do anything unless this is removed at Lexington County, SC from my parents' property at **. My mother's name is Virginia ** and Colie **. I can't close the estate or sell it!! They are rude and they don't care. They also gave me several different phone numbers to call and it's always the same answer. Please help Teresa **. I have told them that we want a pay off. They also charged the account off on my mother's credit report last year 2016.
These people do not quit! They spoke to my fiance, we explained that we can not make any payments right now but will be paying a large sum at a later date. They still continue to call and harass me daily at my work. I have told them not to call my work, yet they still do. I again told them not to call my work and then hung up on them. They are rude, and extremely unprofessional, as she raised her voice when I told her not to call my work. I threatened to call the BBB if the harassment didn't stop.
My name is Armand and my experience with these people is very unsatisfied. Unfortunately I am now stuck to pay back 21000$ for a loan of 10000$. In the last 8 months I pay back to them 4000$ and my loan drop only of about 1300$. The rest of the dollars went for interest on 10000$. These people are simply crook. Even if you made an automatic through your bank they don't even take the payment before 3 or 4 days later. When I call them to know what is going on they answer it take a couples of days before it's proceed so I would like to know why it's like this??? On top of it I discover I was have a 5 years loan which they never told me when I borrow it. I deal with a truck payment with another financial place and they always take the payment in time so why not CitiFinancial???
I remember it take them 4 time before they will be able to set up my payment with the bank. They call me at work for I came back to sign the same paper for authorization. According them I was in the obligation to leave my work for this so these people don't know how make business clearly. You will have to be really careful and I am not talking about of the bad attitude they have with clients. They are most of the time rude and treat you like if you are dog instead of human. The atmosphere is really bad at the point I don't want even to talk to them coz they can't give you never the answer. It's always a game of lies.
I can go on and on so bad I bite my fingers for doing business with them so I highly recommend to anybody who need $$$ don't go at CitiFinancial especially on 17 ave in Calgary. On my contract they said 33.99 percent interest and on the phone they told me 39 so which one is the right one??? So anyway I don't want nobody of them calling me or send me offer for more money coz now I am really fed up with them. I guaranteed if I have the chance I will chuck them off as soon as I can. So peoples please even if you are in hole it even better stay where you are instead to deal with them. I am really looking to find the way to get rid of it of them and I will so peoples we should get all together and boycott these crooked peoples.
A balance owing of $145.00 on the due date of the "do not pay for a full year" occurred due to a banking error. Monthly payments were made each month until the last month of the contract. (FREE interest was not used.) CitiFinancial charged according to the agreement the full interest amount on the contract expiry date. I called them to dispute and as a valued client they agreed to reduce the interest charge back by 50%. The next day (Sunday) an automatic online payment was made, paying the full interest amount.
I contacted the bank and CitiFinancial the next day, Monday, to notify. I was told if the bank could stop payment, they would accept. The bank could not stop the payment in time and CitiFinancial refuses to issue a refund for the amount of overpayment. How is this acceptable? Paying 711.00 of interest on a balance of $145.00 owing for 3 business days -- seems like gouging. Unacceptable for the care and attention that went into assuring payment throughout the year.
Harassing phone calls by angry employee. This place is relentless. My complete fault for going this route with them. There is a woman named Angela who is angry. She speaks to you like you are her mis-behaved child. They will not help you - they will get you into more debt. Do not use Citifinancial.
I claimed bankruptcy back in 2008 and was discharged in 2009 and have rebuilt my credit so I decided that during these trying times of xmas that I was going to look into about getting a small 2K loan and called CitiFinancial. I spoke to a very nice Indian gentleman who had to transfer me to his manager just b/c I claimed bankruptcy and I guess he wasn't trained or whatever to help me. I spoke to who seemed to be a very nice, bubbly lady named Krystal who said she would be more than happy to help me with the loan and she proceeded to tell me she had to get approval from head office and she will call me back in 15 mins. I never received a phone call.
I went to work the next morning, waited for them to be open at 8:30 and called them back and I spoke to the same Indian gentleman after telling him about my experience with the manager. He apologized and said that head office has declined my small loan b/c of that bankruptcy back in 2008 which actually isn't even on my credit bureau anymore and said that there was nothing they could do to help me. I let him know that if this is how CitiFinancial does business then they are sure to not have positive reviews. Basically I never received a phone call back b/c HO declined me. That's NOT what customer service is about and honestly if this is how they are going to treat people I'm glad they declined me as I want nothing to do with a company that lacks such respect for their clients.
This company pre-approved my husband for a small loan and later called him to go over details on his application. They said he could meet with them with his ID and finalize the contract. He happened to call them to confirm on the day of the appointment and that's when they told him there is no appointment. After he was pre-approved and they told him he could come into the office, they did another credit check on his application. Then they reneged on their offer and further pulled down his credit score with the second unnecessary credit check. We will be taking this to a higher level as a result of these untoward actions. It was a total waste of time.
We just finished payments on a Chapter 13 Bankruptcy... which is re-payment of debt through the bankruptcy. My mortgage payments were being paid in full every month by the bankruptcy court. Every one of those payments were divided in a normal ratio of principal and interest. The very next month after we were finished with the payments to the bankruptcy court, we started back paying the mortgage payment to CitiFinancial directly. The first 2 months payments, there was $0 paid towards the principal... The following month about $100 out of $700 was paid towards the principal... Total payments=$2,100. Total principal paid=$100.
Guess what? The customer service rep told me when I called to ask what was going on? Basically in a short version... "There's not anything you can do about it. This is normal procedure." Guess what? She is right. There's nothing I can do about it... I have a bankruptcy on my credit report and nobody wants to refinance it. :( However my Credit Union is going to be able to help just as soon as I get the balance down.
BOTTOM LINE... I would hope that anyone reading these messages prior to dealing with CitiFinancial or One Main Financial would think twice about your future before signing anything with this company. I read in several of these reviews the words "late payments"... My payments were on time with NO late payments for the past 5 years. They are now basically taking back money that a Federal Court would not let them legally take over the past 5 years. And I'm stuck. BUYER (BORROWER) BEWARE!
Recently I had applied to refinance my home. My initial want was to combine my first and second (interest rate is 10.75 on my second) mortgage. Unfortunately, my appraisal came back short, therefore, I would have only been able to refinance my first. In attempting to do so, I would lower my mortgage a full point (saving over $200 a month) and get $40K that was going back into my home to refinish a basement. In refinishing my basement, it would increase the value of my home and in doing so, I would be able to eventually pay off my second.
Bottom-line, it would have been a win-win for both CitiFinancial and myself. Evidently, CitiFinancial sees it differently and has disapproved the subordination. Financially, they must think it is better for me to pay the high interest rate that they have charged me and stay in the stagnate situation that I'm in now (I can see why folks are foreclosing). Sadly, I had to pay $200.00 to get a payoff for them to disapprove. I'm not sure where to go right now, however, I am still weighing my options, CitiFinancial has motivated me to work even harder - I can guarantee that after I get rid of this company, I will never seek their business again - as well, I will definitely spread the word and my displeasure for this company to anyone that asks. Fact is, I will reach to anyone that will listen.
I called the office to discuss what my balance was. The rep advised since I cancelled my work loss insurance the amount is now 7 thousand. Which it has never been this high and I've been paying for over 2 yrs and the amount hardly moved. I found out they were charging as high as 35% interest so any payment you made went to interest pretty much. I told the lady this is ridiculous and I have to contact the bank to see what other options I had. The agent told me I obviously do not know anything about interest as it would take longer to pay off at the bank (she thinks she is smart). I hung up on her to save the argument.
Two weeks later I came in cause I was approved at the bank at interest rate 6%. Wow what a difference. I went in today to pay it off and obviously I got her. I asked how much is the balance. She said the same (thanks Sherlock) then she proceeds to give me attitude And said "oh I guess you got a loan". I said "yes I got the line of credit." Now I have never owned any cheques in my life so I asked her how to properly write it. She looks at me kind of smirks and said "how old are you? That weird" and continues to give me attitude. I look at her and said "I've never done this so can you please assist." She looks at me then takes the cheque book, starts filling it out and continues to say "that's weird."
After I left I instantly called the office and complained to the manager. No one should speak to their clients like this. You don't know me or my life and this lady should definitely not be doing this job. Overall terrible experience with them and I would not recommend them unless you have absolutely no other choice and even then I wouldn't. Also they keep sending offers to my house for more money even though they keep harassing me when you miss a payment once or twice. I've been paying you for yrs. Why would I run now from 1 missed payment.
I applied for an online loan for 5500$. I was approved for it but then they started asking me for money to get the loan. In all I paid 676$ and never did get the loan then they wanted me to pay more money to get some of my money back. They never returned any of my money to me and I never got the loan. They are nothing but scammers.
Apparently someone leaked my husband's debit card info to somebody in Juarez, Mexico. They proceeded to remove all our money plus enough to overdraw us. Our bank is looking into it but our account is frozen. We put our trust in Citi but never again. The sad part is my husband has been in the hospital for two weeks with a prognosis of three to six months to live. I really thank Citi for creating more problems for us.
At first this company was great. Then unfortunately I fell behind in payments due to unexpected car repairs, and I'll admit I had not complied with what I said I would pay two times. However I did call to let them know I would not be able to pay. They call house phone asking husband where I am, call cell phone relentlessly (despite me telling them I cannot take calls during the day) and even call my work and speak to receptionist who has also told them I cannot accept calls at that number.
On 6.31.16 they called and told me if I could pay 160.00 that day, they could lower my payments and wipe out $600 and some dollars debt. I said I would see what I could do and call them after work. The only people I can ask is my parents who both work full time. My dad has a heart condition so the last thing I want is to add stress to him. I call CitiFinancial back and tell them I am not able to come up with the money. The girl asked if I considered taking out a payday loan. I was shocked. I do not think paying debt with more debt is a good idea, and advised her of this. She told me if the 160 is not paid they will garnish my wages. I told her "I'm sorry. I don't have any money" and she continued with the payday loan. Is this appropriate business practices? I am sure the answer is no, however has anyone else heard of this?
We had a flood in our home on April 1st 2016 and our homeowners issues us a check for $5526 to cover repairs. It is now June 4th and still no resolution to CitiFinancial releasing funds to us. We are currently under Chapter 13 and protected by the US government and have engaged our attorney. We have provided legal quotes from Lowe's Hardware to them 3x advising that we need the full amount to even start ordering supplies and contractor. They will only release 50% which will do us no good, my house has now black mold due to this flood and the delay over 2 months.
The only resolution we now have is my attorney is filing a motion against them to release all funds. THE MOST DIFFICULT AND RUDEST COMPANY I have ever dealt with... We are current on our payments and these people are just outright STUPID. Then received for the 4th time paperwork again for us to send to them, we have sent in 3x already and no one has a clue of what they are doing at this company. I have been so stressed over this and wish this company would fall on their face and fail or close!!! DO NOT DO BUSINESS WITH THIS COMPANY!!!
We had a loan with CitiFinancial and we were never able to make any headway with it. They were charging us over 9% interest. We would make payments ahead and they would penalize us. There was no rhyme or reason to the way they figured the interest they charged. I asked if we could get a lower interest rate and they told us our credit rating was not good enough. Then they would call a few months later and offer to loan us more money. We got fed up and checked with First National. They said our credit was excellent and gave us a interest rate of 2.72%. DO NOT DO BUSINESS WITH CITIFINANCIAL OR ONEMAIN FINANCIAL. You will enter into a cycle of debt you may never escape.
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