Consumer Complaints and Reviews
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.
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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.
This is a warning to stay away from this company. CitiFinancial makes their money off of ripping their customers off and charging outrageous interest rates. In our case, We weren't receiving regular statements and had a deferred payment plan on our IKEA card purchases. I called to check on the date due and it was 6 days ago... They charged us $1000 interest to penalize us for being human. Their customer service has been horrible and they refuse to budge. What they're doing should be illegal but they find ways to gouge people and trap them. Please do yourself a favour, and choose a different company for your lending needs.
My husband took out a loan to pay bills off, my name is NOT on the loan. My husband has since died. I kept up the loan payment faithfully, then my dead husband received notice he was behind 3 payments. I tracked the payments to find out they HAD cashed the checks, BUT they changed the account number on the loan with NO NOTICE to him WHATSOEVER! And then they sent back the three payments and wanting to know where the money would be going I called them only to find out they will NOT TALK to me. My name is NOT on the note and they know he is dead! So, I stopped all payments to them and are holding them in my bank, and my dead husband keeps getting mailings about seeking out help to refinance or other options to catch the loan up! OR face foreclosure! They still will NOT talk to me! My name IS on the DEED and I have rights of survivorship! Still they will NOT talk to me! I can't afford a lawyer to fight them! I don't feel I need to!
If they changed the loan account number with NO notice to him then they should be willing to discuss this with me! EVERY payment has been made EVERY month on time for YEARS!! And I was and able to pay the loan amount on my fixed income until the loan matured in 2022... But now I saw why should I? And why do they feel I should pay for a lawyer for them to discuss this matter! We are at a stalemate! I HAVE made the calls to them TRYING to get this straight 3 times to only be told they can't and WON'T talk to me!!! They DID admit he received NO MAILINGS before the change!!! They are VERY SHABBY and RUDE to deal with!! And ONLY harass through threatening mailings of foreclosure!! Do NOT do business with CitiFinancial!!!
First thing people need to know is the people you are talking to when setting up you are paid a commission so there is a huge incentive to getting people in loans. They will say basically anything as there is no way to prove what they said. Secondly this company is filled with rules that they will not explain to you at the time of getting the loan. I took out a loan to pay off some mutual debt with my ex when we split up. After the split I had 2 pay cheques go missing from my account. (The ex took them not CitiFinancial) so I missed some payments with CitiFinancial.
At first I was told that in order to be put back on bi-weekly payments where they took the money from my account I had to come into the branch and sign a document. I was unable to make it in during business hours. They never told me I could pay any other way, they didn't mention they would take credit card payments or that I could set up an online account and pay, they stressed to me that I had to come into the branch and sign paperwork.
When I did finally make into a branch (After taking time off work to do so) I was told then that in order to be put back on bi-weekly payments I had to pay off the outstanding interest on the account. I then spent 1 month giving them every cent I could scrape together to pay off this interest ($1200 when my monthly payments were only $320). At this point I was then informed that in order to be back on payments again I now had to make up all these lost payments (2 in total for a total of $720) and the same interest would be charged. (Another $1200?? She couldn't answer this question.) This basically meant I was now going to be in a never ending cycle of paying interest and never touching principal.
At this point I caved told them to sue me, it took them 3 months to finally sue me. Once it went to court the judge set the interest rate at.5% which basically meant the principal wasn't going to grow. (They were choked they wanted it to be 30%.) I was hit with $1000 court costs and was served with garnish papers at my work. I am voluntarily giving them 40% of my pay to get this out of my life. Case in point there should never be any reason ever anyone should use this service, I am yet to find anyone that has anything positive to say about this company. I would rather be broke and starving than borrow a cent from this company, this is a predatory as it gets and their employees who are paid peanuts should be ashamed of themselves.
1995 ~ loan with "The Associates" mortgage company in amount of $40,000. 1999 ~ "The Associates" were being investigated for Predatory loan practices. We were never late on our mortgage payment of $870 so this came as a surprise after 4 years. 2000 ~ in the Spring we watched our mortgage company on the show 20/20 and the explanation that they were in bankruptcy due to the class action lawsuit. (We had been contacted & had joined suit). 2000 ~ we were contacted and told Citifinancial had purchased all mortgages from "The Associates" and our payment office in Pocatello would rebrand with Citifinancial's logo but all employees would remain and we could still make our payment in town.
2001 ~ we received a letter that class action had been settled and money would be deposited to bring down our loan payoff. I called Citifinancial because once the letter head of the monthly bill changed to Citifinancial (from Associates) I noticed the payoff amount was listed as $98,489.00. Instead of the original amount of 40,000. In 4 years it had not decreased and I was told by associates not to worry as it was not the Actual payoff amount. Payoff would be a little less than 40,000 but, not much because most money went to interest at beginning of loan. We also purchased life & employment insurance and they said that was being paid off first.
2000 ~ fall. My husband was laid off by railroad for 3 months. Attempted to file paperwork to cover our payments as soon as we found out about layoffs. (He was recalled back to work in Jan). Citifinancial "cashed" us out of the insurance for about half of our monthly mortgage payment. We paid the other half to catch up our mortgage. The last month they had us make an "interest" payment that was a little less than our regular payment to "help us out". They kept bringing up "in effort to avoid foreclosure" every time we spoke so anything they suggested we do - we did. They made it clear that we no longer had life or unemployment insurance on our home loan. Our payment did not lower with insurance coming off and when I complained about it they said they would send some paperwork to main office in Pocatello we would need to sign to bring it down.
I again mentioned the "amount owed" that we were seeing on their monthly billing. I was told again not to worry about that amount - it was not what was going on with the acct. I asked about the money that was supposed to be going against the loan amount and was told it "didn't show" as of yet and it may take time to show up.
2001 went to main office to sign paperwork to bring our payment down to $640 a month. Loan officer used the term loan modification and said we needed to sign to get lower payment. My husband was angry because it wasn't our intent to get a modification and he felt the insurance we paid for should have covered his months off from work as we were told it would at time of purchase. The loan officer insisted that the decrease of payment also came with a lower interest rate and that would absolutely benefit us. We saw it WAS for 2% less interest so we signed because we spent 4 hours in the office going back and forth.
2011 ~ Divorced. My husband signed a quick claim & I called Citifinancial to get a loan modification. During the divorce I had gotten behind in the payments. My husband felt that we had been lied to by the mortgage company from the start. Every time I called them to try to make them correct the loan amount I would spend at least two hours on the phone and be truly more confused. That went on for Years.
2011 Oct. Citifinancial requested I pay $1500 to get modification. They had rebranded their office in Pocatello from Citifinancial to "One Main Financial" but I was told I could take the $1500 and they would accept it & give me paperwork. I took it to One Main and spoke with a confused man. He said that my loan was with Citifinancial out of Texas and he could not take the payment. After several phone calls - and him telling me this was a "one time thing" and I would have to send future payments to the out of town office.
2012-2015 They set my payment at $525 a month. I continued to call and try to get payoff amount corrected because it STILL showed $98,000 after years of paying. None of the people on the phone could pull my acct by the account number and I always had to use my ex husbands social security number for them to find the account. I had not been late on any payment but I finally got an honest loan officer in the "default" department. He said if I kept making the $525 payment the company would probably NOT foreclose on my house. He literally said, "keep your head down and make the payments on time, try to double up - to show you were trying to catch up the payments in arrears - and you will be okay." He said the house NEVER had a modification because it would require BOTH of us on the loan to sign & only I had requested it.
I told him that Citi had agreed to give me a modification to which he responded, "you are a nice lady, I told you what to do" and the call ended with me telling him "thank you". He let me know he had no control of correcting anything. So My question IS ~ who does? I had an attorney tell me to stop paying-go into bankruptcy - and get Citifinancial to reaffirm the loan. He said most times they will affirm for less than what is owed. It was a 15 YEAR loan. I shouldn't OWE anything! Help. How can you hold these liars accountable? Where is the money that was supposed to be subtracted from the class action lawsuit?? HOW did a loan for $40,000 get to 99,800 after 20 years of payments?
I took out a loan and the manager Jack ** without my consent disclosed all my personal loan information and amount payment that was required. He has zero business sense. Now I can't talk or face any of my friends. I feel humiliated. I already pay a high rate at least give me some dignity. I feel sick now. Can't face anyone due to humiliation!
In 2013 my husband went to prison for 5 years, I sent papers for modification of loan and said if they would lower my interest 9.65% to a decent rate I could pay $600 a month. I am retired, lost my 26 year business and bankrupted because of my husband. They called me and said that all would be fine, they could lower and help me. Never heard anything from them for nearly a year, then only 2 calls for information. Then one day I got 14 exact copies of legal foreclosure papers stating owed $132,000 but when called CitiFinancial, they said $119,000. Then following day a woman came into my yard, handed me a exact copy of same legal papers stating $119,000 and Dec 18 auction on house.
Also when we refinanced before recession they told us they were lowering our payments. When we picked up papers they said was a problem and after we signed they took papers back and said come back. When we did, the woman who did the loan had quit and the payments were $300 higher, than had said. I have tried to work with them. I have written and written, they never respond.
Borrowed 7000 in 2008, still not to the principal. Balance after 7 years 13500. How does that work? Never borrow from CitiFinan. again. By the way it started out from associates, then one main, then CitiFinance is where I am now owing 13,500 to CITI. THIS LOAN GOES ON FOREVER!!!
I took out a 10K Personal Loan with One Main Financial - later bought by Citi Financial - in October 2011. I bought the extra insurances. In December 2011 I was diagnosed with cancer. The insurer paid the payments but my DR didn't fill out the paperwork right in June/July 2011 and Citi sent it to their internal collections - Forster & Garbus. The insurance issue was corrected and all back payments were made bringing the acct up to in September 2012. Citi would not take the account back to their normal process so I continued to pay Forster every month until June 2015 when the account was paid in full. I have documents showing it is paid in full. Despite MULTIPLE disputes through Experian, TransUnion and Equifax - CITI is still showing the account past due. It is coming up to 5 months and my credit has dropped over 100 points. I have called their legal dept and have been told they will report it within the next 120 days! DO NOT USE THEM EVER!!!
I took out a loan for improvement on house. But because contractor did not finish I had to get more money to pay new contractor. This time they asked for title to my car. Several years later I did a bankruptcy. Just last week my insurance co. called. Said they called citi as loss payee. They said they were no longer. But all this to say I never got title back. And don't know where to call about it.
They offered my husband a loan while he was out of work based on his credit score thru the mail. I told him not to go up there because he had no job and they would decline him. The woman convinced him to give my info without me being present and offered to give him the loan based on my income and his credit. I know normally business practices this is illegal, in the end they convinced me to take out a loan I couldn't afford which later resulted in my wages being garnished and my credit score being ruined and ruined my 5 yr plan to pay off my house and get a much needed new one. Sometimes I just want to die for not standing my ground and saying no to both of them. They beat me out of 16000.
I borrowed from a private lender in Tucson AZ in 2005 to pay arrears on C/S. I got married in 2006. My husband and I were not working, he wanted to go to Iowa. It was Xmas, so we called CitiFinancial for a title loan. During our conversation with the lady financer I mention my deed and the poor choice I made all in the name of a levy my house. I borrowed 15,000.00 the lowest possible and walked outta the private lender in Tucson. It was 10,000 at that time and they brought it over. My husband was the first lender and me the co-lender with the deed. They cleaned up a few debts and 8 Grand extra.
My husband promised he would help me pay. He left to Iowa and abandoned me. I was left with the debt. My daughter tried helping but pulled out coz they took money out of her bank acct for 3 payments and was told only one. They overdrew her acct. Now I am in foreclosure, they said they sold my house. My 90 year old mom, and 10 and 18 yr old live with me too. I am suicidal. If I die it's paid off. I'd rather die than be homeless with my family...
When my wife and I signed the mortgage we got the insurance that stated if one of us passed on our house would be paid for. We paid this insurance for many years only to get a note from CitiFinancial that stated they no longer carry that insurance. No refund was offered. To me this seems to be a breach of contract on CitiFinancial's part.
It appears Home Depot does its financing through you. I have yet to hear about the end of the 18 month 0 interest period and the sudden charge of 26% interest. I have paid you. I want to get this interest credited. Do I need my lawyer yet?
I am a real estate attorney and title agent. I have had nothing but grief in dealing with these people. Typically a request for a loan payoff take 3-5 days, TOPS. It took 12 (yes, TWELVE) faxes to successfully get the request processed, but even that did not get me the payoff I needed (and am legally entitled to). The first 11 times were successful according to my fax machine (who uses fax machines these days?!) and after my third try, I had the rep on the phone to make 100% sure it was coming through on their end.
But, when the payoff instructions never came in, I would call back and the reps always ended up saying "We show nothing in our system that you requested this. Who did you speak with?" I'd tell them (I learned long ago to get the name and phone extension, if available, of all customer service reps) and they would put me on hold, claiming that they were calling or messaging this person (which I don't believe), and they would say that the rep claimed to never have receive it (allegedly the same person who was on the phone with me when I made the fax and who verbally confirmed that they had it in their hand!).
When the payoff FINALLY did get sent to me, it included the cover page and the top inch or so of the second page and was 100% useless. I got so upset, I drove to a local branch (30 minutes away) and told them that I was not leaving until they got a hold of someone at the payoff office in Ft. Mill, SC, and not without the payoff information in hand. I sat there for 3 full hours. The local branch people were embarrassed and apologized, but I told them while I did not blame them personally, they should look for another job, because their employer is evil and dishonest. I told this to the branch manager as well, and he just smirked at me, as only a banker can.
I kid you not, no joke, it took a full MONTH to get the requested payoff, and I had to jump through hoops to appease them, the likes of which I have never heard of. They deliberately made it difficult to pay this loan off; I am confident in this conclusion. Believe me when I tell you, I am a highly competent professional and know how to get things done. I deal with banks and credit unions daily, multiple times a day, in fact, and no lender comes even close to how horrendous these people have consistently proven to be. These people need a good tarring and feathering.
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