Consumer Complaints and Reviews
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.
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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.
I took out a loan, I was 2 weeks late on payment. He calls me 10 times a day - yells, swears, emails with zero grammar, threatens me and my family. He says his name is **. Says he will get default judgment when I did not even default. Knows no laws. First you have to appear in court and then there is a scheduled payment - only happens if you don't appear. Threatens my wages and tried to belittle me. He calls himself a manager but I think this ** guy needs to go back to school - learn English and Canadian laws. Why is a big company hiring cheap and stupid labour! Everyone else in the office is nice and professional. I give them a 4 out of 5. Their top people skill guys are in the front. And the nut case in the back.
CitiFinancial has been calling my home phone all hours of the day and night and my 'nomorobo' program I have set up has been catching it on the first right. The program will snag robo-dialers and prohibit them from getting through. But that doesn't seem to stop this outfit. I do not, nor have I ever had, any dealings with CitiFinancial. Because of this current experience, I will never going forward. They have lousy business practices and should retool their credit and collections. I've worked in credit and collections for over six years and am embarrassed for them. It's shameful.
I received a letter from CitiFinancial stating I have not made a payment since March of 2013. I called into customer service to inform them I have I been making the payment and I can send over all my bank statements showing I have been making the payment. Then days went by and I received another letter in the mail which enclosed a checked for $2,500.00. I called back to see why would they send me a check in the mail for that amount. When I called a young lady by the name of ** explained to me that they reversed all the payments on May 7, 2015. No one could give me explanation as to why. One of the customer services representatives became so hostile with me that she told me to get over it and just pay what you owe because you never attempted to pay anyway.
At that point, I was in total shock. I am not asking for anything major from CitiFinancial, I’m just asking them to apply the $2,500.00 to the account. I even went over to OneMain to inform them of the problem and they stated they should have not sent you back any money because they will accept a payment from anyone. I have requested to speak with supervisors and call me back but no one has returned my call yet. This is very frustrating and I am just requesting for them to apply the $2,500.00 back to the account. Now they are trying to put the house in foreclosure if I don't pay, when I already paid them.
CitiFinancial would start calling a week before the loan was due date of the payment and trying to tell me I was late on my payment. Then they sold the loan to Main One and then back to CitiFinancial. Then if I did pay early they would start calling a week before I made the early payment. We will never get a loan with them again.
In the UK a law was passed where the Banks have to hand back mis sold PPI. I had various loans from what was The Associates, which are now CitiFinancial. I submitted the required complaints form and waited for this to be acknowledged. I finally got a response to 2 of the 3 complaints, which was an offer, this is where the problems start with this Bank as they just do not want to pay up. These accounts date back at least 15 years, back then, they point blank refused to give you a loan unless you took PPI, in fact on the last loan I had where I refused the PPI, they upped the APR to about 45% to cover the PPI by stealth, how rude and abusive is that.
The third complaint, well they stated they couldn't read who signed the agreement, I could read the names, so refused my complaint. I have again submitted the paperwork but again, it seems to be delaying tactics by CitiFinancial not to deal with a complaint. It's been the best part of 3 and half weeks since I resubmitted the paperwork. No response. I have now had to submit all the paperwork again to ask them what is going on, again the expense and time fighting, what's annoying I have had to find bank statements from 2001 which showed the monies being paid, they have thus far refused to acknowledge receipt of that letter and the fact, that the monies were paid to them.
I have moved at least 4 times since then but although, they are writing to me at my new address and I answer all of their letters, they have made every effort not to pay the monies they say is outstanding. I have actually followed their requests and sent the relevant documents to prove a change of address and I've just had a letter back from them, stating that, the information they stated they wanted is invalid. What the hell is that about.
When I took the loans out, they were not too fussed about my address and while I had the loan, I moved 3 times and as long as the money was being taken from my bank account, they didn't seem to care where I was. It seems to be a nonsense, that you are writing to me at an address where, you are being answered but this is not good enough to forward the cheque to.
It is total delaying tactics. There is no valid reason not to send the cheques out, thus far to date, I have spent over 20.00 in postage on this ping pong of letters back and forth. This could of probably been resolved with a phone call but, they refuse to issue a telephone number. Further to that, I called their head office. What a game that as getting a number, which I called, I did get through to someone who refused to connect me with the PPI team but took my name and number and assured me that someone would return my calls within 5 days. 2 months later, I am still waiting for that telephone call. Absolutely no attempt has been made to return my call. It's all about making you want to give up on your claim. It's nothing but stress.
I bought a bed thru financing at Sleep Country, no interest for 12 months at 130 a month. I bought it August of 1014 and by March I already paid 8 monthly payments with advance pay. 1st week of April I had a miss call. When I dialed it, it was CitiFinancial so I spoke to a customer rep, a lady with no history of dealing with customer probably. She said to me I have late payments that if I don't make a payment on the 1st week of April my case would go to the collecting dept. I told her I have advance payments. She cut me while I was talking saying "It doesn't matter, monthly means monthly payment." I was so angry that I told her when I have advance payment you don't call me and when I am 1 week my account will go to collection department. I hanged up the phone with her. So stupid.
Here's another story with my other CitiFinancial loan. I borrowed 4,100 plus a month payable to 3 yrs but I paid it for less than a year but of course with 3 yrs interest. I borrowed the money last August because my husband had an accident, then I worked 24 hrs 7 days a week to pay out everything and last week April on the 8th month I only had 150 dollars outstanding. I go to CitiFinancial branch make a lot of advance payment and one of the customer rep there told me I only had 150 to pay this month, and guess still the original monthly amount was deducted to my account, their system is not updated or they are too lazy to update that. So many people working on that branch that they could not even monitor their customers' account. CitiFinancial in Cambie Street, Vancouver to be exact. (that's where I made my loan and pay often).
I called that branch and Chinese staff answered me. I told him I am overpaid, if I can get my money back right away because it would affect the other payables I have with the balance I have left in the bank. His answer was, "It's only 30 plus dollars. We will pay you after 10 days. We will send it to your home address. It's a matter of you have credit to us or we have credit to you." Do you pay interest with that when you owe me because I paid so much interest with the money I owed you?? This stupid guy has no idea how the balance left on my bank account affects the remaining credits I have. I paid bounce check to my institution because they grabbed the amount that is not theirs. He told me to call the head office. What? Head office??? I went to your branch to loan, I go there to pay monthly??
Everyone there is ok except for this Chinese, boastful man. I remember one time when I went there and paying thru debit that my debit didn't go thru. He told me (same guy) very rudely to get money from the bank and get back. My 1 star goes to other employee that work there, the one on front south Indian, and the chubby white guy on the left corner. Don't go to this branch. Don't give them business.
I reported Chapter 7 back in 10/2003. CitiFinancial was one of the debtor included in that bankruptcy. Twelve years later I was forced to contacted CitiFinancial to resolve a lien they had placed against my home for the $9000+ debt I had acquired with them. Upon contacting them at first they were unable to locate my account because of the time it had been since my bankruptcy had been reported.
Upon later locating my account they informed me that it had been in recovery due to bankruptcy, yet they needed to make a settlement for the balance due in order to release the lien from the home I was trying to get rid of. A settlement was made. I basically wanted to get rid of the home. Making a profit was not really an option to begin with. After settling for $6503 I was sent documentation from a ** in recovery that the account would be shown as "paid in full for a lesser amount".
However 1 month later my credit report reflected otherwise. Stating "charged off account unsecured, amount past due $2786”; the difference between the settling amount and the initial amount that was due. I then proceeded to contact Citi Recovery again in questioning why such a negative file was placed on my credit report after 12 years in bankruptcy and a "settlement in full" had been agreed upon. The representative ** was quick to agree and forward me via mail a letter repeating the account was "paid in FULL for a lesser amount". She also informed me to forward a dispute along with the letter to ALL the included bureaus to have it corrected.
Upon doing so, I later received a letter for a ** stating she was an account investigator, and her findings were that they would not change or agree to change the information provided to the bureaus because they had determined that the information given to the bureaus was correct. Despite the fact that I have two letters stating the account was paid in FULL at lesser amount. That means NO BALANCE DUE. I've called and spoke to other representatives after the fact due to not being contacted as promised the numerous times I have called. No one, not even the most agreeable representatives or the ones that have instructed me to call them back and they would further assist me IF I had not received a return call within 48 hours, have called me. I will continue to try and contact someone and forward my letters to ALL the bureaus until I reach the resolution I am seeking.
I received an email 1/1/15 from ** of Citi Financial that I had been approved for 4000.00. In the email it stated I had to pay the first month payment.. I was told to get a Moneypak card and call ** with the number from card.. Then I was told that my bank would not expect the transfer and they could use Western Union.. I was told I had to get two Moneypak cards because the amount was so large I needed two cards.. I did this, called ** with the numbers.. I was then told WU would be calling me, they did.. I was told I had to pay WU 75.00 a piece because of the amount. Of course it had to be on a Moneypak card.. I was even given WU reference numbers.. I googled Citi Financial and spoke with ** and was told I was a victim of fraud.. I was told that Citi Financial does not even operate on MD.. I called ** back and got other people answering the phone. I told one lady that they were fraud. She called me names and hung up on me.. I just gave up!! I am out of 300.00!!
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