CitiFinancial Servicing
Reviews and Complaints

Sounds like the problem is with Vincent, not Citi. If your in-laws died intestate, and he had power of attorney, then by law Citi can only talk to him. You definitely should get a lawyer so that he can explain to you the difference between bad business practices and following the law.

well this is just an update...i still have not received that blasted payoff note i requested over 3months ago. i get calls night and day even if my account is one dang day late...hello isnt there a grace period of like 15days, stupid witch stop calling. anyhow, i understand that maybe this is the job of whoever is calling to sit there and wait to dial my number but seriously is it a requirement to be the most hateful person to be a collector for this stupid company...i know for a fact that it is not actually ok to demand payments like this company does ( i actually work for a call center for a collections company so i know that there are certain laws that have to be followed. so i dont understand how this company can and does get away with all it does...makes me sick. ) but i am hoping to refinance my loan very shortly with another more reliable company. oh yes and to the "do not give them your banking information" i seriously totally agree. and if you send them a check that is postdated for a later date i would not suggest sending it before you know you have the money in the account because they will send it through on the date they receive it and it doesnt matter if the date was for 2weeks later than they received it.somehow they are able to make it pass through the banking systems to draft.BE VERY VERY CAREFUL WITH YOUR BANKING INFO AS THEY WILL FUDGE UP YOUR BANKING ACCOUNT AND THEN THEY ARE NOT LIABLE.

Please note everyone! Santander is a COLLECTION AGENCY
I have not been able to find any way to use that company to finance anything.
DO NOT give them a right to make automatic withdraws from checking, savings, etc... They might clean you out and collections agencies seem to get away with too many things.

Wow I am so glad to see I'm not alone on this - I mean dont get me wrong I'm sorry we all have to go through this but its good to know I'm not alone. I'm in the same boat that nobody has notified me what is going on with CitiFinancial or that Santander took over and why did they take over. I just started getting calls that I owe them money and I'm late etc. Now how is it that I wasn't late w/ CitiFinancial but I'm late w/ them? I asked them numerous times to send me invoice or bill in the mail and finally now I get it but between the time I get the bill I get I dont know how many calls from them. When i do talk to them they are rude and when I question something they dont understand why I'm upset or what I mean that they are rude the way they talk to me. I just dont understand how can a company be the way they are and get away with it. Then again maybe its in their name "Satan"der . They should of given all of us notice that they are taking over and option for us to stay or leave or something like that. I still dont get why or how can they get away w/ being so freakin' rude to us over the phone or heck even if you contact them on line they are just as rude. I did that once did a live chat and that person was so rude and HE ended up hanging up on me. (yet nothing was resolved) when I called back of course the next person was just "i 'm sorry this and that" but still no help. I used to pay on line or over the phone w/ NO FEE w/ CitiFinancial now you can't do that and why not? How can they use the same sevice but they charge you for it? I can just go on and on w/ my frustration w/ them but it wont do us any good will it? :( hope they will be brought out by someone else ASAP.

i am so pissed.i get calls all day long on both my listed home phone and my unlisted cell.the calls are so crappy.they dont even bother to leave messages anymore they just sit there breathing in the phone.i did receive the letter that santander would be servicing my loans from whenever on but of course was given no options on whether i wanted to move my loan to be refinanced by another company.when i called to get info from santander the woman was consistantly rude to me.she basically treated me like a piece of crap.she basically told me i was stupid and didnt know what i was talking about.i was informed that from now on if i wanted to make a payment on my account that i would have to pay extra everytime no exceptions.then she said that it was the same as when i paid at citi.when i told her that i never paid an extra fee to make my payments over the phone she called me a liar and said there was no way for me to make my payments unless i paid the extra processing fee.she told me that even if i were to pay online i would still pay the extra.so with her being so rude and i dont just even have an extra $12 to pay out more to them i told her i would overnight whatever payment.this woman actually got more rude and said i would have to pay more to overnight it, to which i told her that i would rather pay the postal services to mail my payment with a freaking smile than to pay one more cent to her smart crack.so now i have to mail my freaking payments everytime rather than having them automatically removed from my account when i call it in or schedule it online.also i requested a payoff on this note and i was told that i could just go online and look it up to which i asked for it to be mailed and i never received this payoff and i could not access it online either.i also inquired on making additional payment toward the principal balance and was told any additional payments i made would just be applied as regular payment.which by the way means that they apply like $100 to the balance and take the rest.that is such crap.shouldnt extra payment i make go to what i want them to?i have 18 more months on this loan before it matures and i cant wait.i will not get a car payment loan again due to the amount of frustration and crap this has caused for me.

I also had a loan with Citifinancial Auto. I had gotten behind on my payments due to unemployment. My husband finally got a good paying job so we were in the position to get caught up slowly. Citi told me that if I would pay 1 regular payment, then I could make a payment every 2 weeks until I got caught up. I made the 1st of 3 payments and then 2 weeks later when I called back to pay the 2nd payment, it redirected me to Santander. I had not received any notice that they were switching. They were telling me that I had to pay the total amount I owed that day or they would come repo it the next day. I owed $255 for the 2nd payment, $255 for the 3rd payment and $105 for the late charges totaling $615. When I told them that I had arrangements already set up with Citi, they said that although Citi still owned my loan, Santander was servicing it and they could do what ever they wanted and didn't have to keep previous arrangements I had made with Citi.

I have/had an auto loan with CitiFinancal Auto...Have not received a statement from them since September. Mailed a payment, using a copy of an old statement and it was returned to me. Now I have this company Santander calling my cell phone non-stop. I didn't know they bought out CitiFinancial Auto! Received NO notification. Not knowing who these people were, of course I have ignored their phone calls. Guess now I will have to deal with them! Frustrating how these companies can just sell loans and information to any other company without notifying the customer!

THEY CAME AND REPO'D MY CAR RIGHT AFTER I WROTE THIS (ABOVE) COMPLAINT! THE ARE ALSO CALLED DRIVE FINANCIAL SERVICES! THEY HAVE ADDED SO MANY CHARGES IT IS ABSURD! WHY AREN'T THERE BETTER REGULATIONS ON LENDERS? THEY PLAY THESE SHELL GAMES BY SELLING LOANS, CHANGING THEIR NAMES; ETC! IT IS CRIMINAL!
ANYONE WHO GETS A LONE FROM THESE COMPANIES IS BEGGING FOR TROUBLE! WE SHOULD ALL UNITE AND SUE! (AT LEAST CALL YOUR CONGRESSPERSON!)

Because of my current financial situation, I had a new loan amount negotiated with Citi-Auto to lower the payment of my car from $497.00 to $298.00. I requested that amount be a permanent payment, and never heard otherwise. I made my payment of $298.00 since that agreement. When I got a letter from Santander, they sounded like a credit collection company. They had a large amount of money listed as what I owed, and it seemed like they were a collection agency collecting on a debt of that amount. Citi-Auto made it sound like I hadn't made a payment since May! How could that even be? My car would have been repo'd a long time ago! Now I am finding out Citi-Auto sold my loan to Santander, and didn't supply them with accurate information. My car is a 2005, has body damage, has repairs needed, and is worth a fraction of the loan. I can no longer afford a loan amount of $497.00, and I think it was unfair to sell my loan to another company, and completely ignore many payments I had made to Citi-Auto. Frankly, to get rid of these HIDEOUS AUTO-LOAN COMPANIES, I WOULD BE HAPPY TO HAVE THEM TAKE BACK THE CAR! THE ABUSE FROM CITI-AUTO, AND NOW SANTANDER, HAS BEEN ENORMOUS, AND I AM SICK OF IT!

Lawsuits Santander - first off Santander is one of the worst companies for customer service I have ever heard of. if you can refinance or trade in your vehicle do so so that these guys dont make any money off your loan. That being said, Santander or any other finance company is under NO LEGAL OBLIGATION to offer any type of payment assistance. Your contract is the only guarantee and is the final word. As for the alleged harassment, its very difficult to prove. I work in collections for a agency for a living (I am a professional and do NOT condone any violations of FDCPA). FDCPA and the associated state laws only apply to third party collectors. First party collections is not governed by FDCPA. If Santander OWNS the paper then they can call you basically whenever and as often as they like as long as it doesnt violate other criminal harassment statutes (like calling at 3am and threatening to cause bodily harm). If Santander simply SERVICES the loan and the loan is still owned by Citi then FDCPA applies in its entirety. Under FDCPA I know that they are allowed to speak with you ONLY ONCE per day regarding the debt. It gets tricky as they ARE permitted to contact you again in the same day if they believe (and can back it up) that you gave them inaccurate, incorrect, or false information. They can also contact you again if you request it. If they do not speak with you they can continue to call as much as six to nine times per day, every day, until contact is established...although the
law is vague and does not give a quantitative limit. Based on what i've read above, you are not being harassed as such...although you could argue it's not the best use of resources at 21 days past due. You are not able to reach anyone at CitiFinancial Auto largely because there isnt a Citifinancial Auto anymore. Finally, a class action lawsuit or any lawsuit would be fruitless unless you can prove Santander violated FDCPA. To do so, i suggest you record any and all calls with them although you generally must disclose this fact. To prevent collection calls, send a certifiedmcease and desist letter to Santander. Upon receipt of this they have to cease contact except by mail. Be advised however that these greatly increase the likelyhood of a lawsuit against you if you default on your contract. Plus, who knows, they might have something GOOD to say sometime down the road!

D-wise- I would do the same thing as you would regarding the legitamacy of Santander. You never know nowadays. What I would do is request validity of the debt, and have it sent to you via certified mail. You can also call CitiGroup itself (not citifinancial auto) and they should be able to confirm. From what Ive read the lawsuit talk is baseless and would just cost you a ton of money, destroy your credit (assuming you quit paying on the loan), and could result in a lawsuit aganst you for contract default. Santander sucks, dont give them any ammo to put you in a bad light.

CJB57- good info on FDCPA and for consumer rights. Bad idea on bankruptcy. Yeah you could file, but unless you are truly broke and pass the bk means test you wont be able to file for chapter 7. A chapter 13 is more likely, and in a chapter 13 you will still end up paying the same payment or lose the vehicle...and even if you lose it you will still have to pay towards any deficiency as the trustee sees fit. Even if you do qualify for a chapter 7, you will lose tge vehicle to reposession. Add that to thousands of dollars in attorney fees and the 10 year destruction of your credit and it all adds up to a very stupid decision taken just because you didnt get a letter on time. Cutting your nose off to spite your face is never a good call. Good info on FDCPA and especially on recording calls. Gotta keep them honest!

http://www.debtorboards.com/
a wealth of info.
A debt collector CAN NOT….
Telephone you an unreasonable number of times
Contact you after written notification that you do not want to be contacted any further
Fair Debt Collection Practices Act is another place with good info.

I was with CitiFinancialAuto and they sent me nothing about the "sale".
I then had this person (Santander) calling and telling me that I need to pay them X$ for my auto. I queried as to who and what they are and how they have my info. I got the standard reply and told the caller until I see it in hard copy you won't get a dime. I finally rec'd the letter on 29 Sept 10 as to what is going on with CitiAuto etc...
I now have an acct # etc and the ways to pay.
I had seen a post on another website about this company, and the poster was 2 months ahead on his payments and still is being called to for the next payment.
If this is what we have to look forward to I think bankruptcy is a viable to this nonsense and harrasment.
PLEASE NOTE: have have several call centers from across the US, Canada and India. It will show several different names - ConsumerUSA, XO Interactive, Santander. If you don't answer the Santander calls they send it from another location e.g. [protected] Texas call, [protected] Ontario, Can call, they say they are doing a survey on Banking & Financial Institutions, 800-294-7691nameless, [protected] nameless, [protected], Quebec call about money,
Another thing you can do, is record your incoming calls from anyone you don’t recognize from caller ID say upon answering “This call may be recorded for accuracy of any and all financial dealings“

Dear sir/Madam, My personal loan a/c No.[protected]. I would kindly request you to provide me my as on date loan due details please.
Thanking you, yours sincerely, Prakash

they are a bunch of low life ### that have no idea of what the other hand is saying, we got took on there lower your intrest rate scam, we have not been late on a house payment for the 10 years we have been here, our int rate was 7.5 we called about there new int rate, we sumitted all the paper they wanted, we checked back and they said they were sure we would qualify and our new payment would drop from 420.00 to 312.. and int would be 3.5 . and it would take 3-4 mo to iniate but be sure to make the 312. and not be late . we have always paid ins and taxes our selves, about 1000.00 for both . they said we had to open escrow .we did . after about 4mo we checked back, there still checking on it, then it started, we need 3mo bank statments, we complied, waited we called back, "were stilll checking" now we start getting peoples names and ids, we call again and again, were still checking. total 9m0 pased we still sind payment in to what they say .and now we have talked to over 35 different ###-h---- each one ruder .every one says some thing different .now we find out they take the escrow out and dont make payment s, so now they say we are behind 5000.00 in payments .a few mo ago they said we should be paying 575.00 and now they want 800.+ twice what we were paying .and get this there still working on the loan at low int . and that job has been passed on to at least 4 people the alwqays loose paper work we fax them, with some idoit standing there, on the phone while we fax it saying yes we have it .a week later they call and say they need it all again frigen idoits .and the frigen idoits send some body to the house once a mo to see if we still live here and charge us 30.00. and when we get aname of one of these stupid jerks and we call back to talk to them were told no such person works there . dont deal with these jerks, better off at a loan shark named bubba .

you cant default on your promo if you call in ask for a sup and you will get one, and you cant be called more than 6 times a day per phone number. let me guess they are calling you before 8am too even though noone starts working until then

I opened an account to buy some furniture at 0% financing for 24 months. I didn't get a bill for about a month. I called them inquiring about it. They had my address wrong. I have called them 6 times to correct this! All they have to do is put my condo number on the present address. This will make sure I get the bill and it will not be delivered at another address making my payment late. The customer service reps I have talked to including a supervisor assured me the address had been corrected. Today, I got a duplicate bill with the wrong address on it! Luckily, the mail person delivering my mail wrote the correct condo number on the address. (thank goodness for compentent mail carriers) I have asked for a supervisor to call me. Seven days later, still no call from a supervisor. What are they trying to do? I think they want me to default on the payment so they can charge me the 25% intrest rate! NEVER, NEVER will I do buisness the citi again! The next payment that is due, I will pay it off and be done with this company!

yes. they did it to us also. dec, jan then mar. the unauthorized charges caused 5 overdrafts and they refused to take responsibility for that.

Worst company I ever dealt with, a company that you don’t need to deal with. they will send you around and around going in loops, all I wanted to do is pay off my car I send them a business check for the amount of the pay off, they cashed it right away on spet. the 4th and now its oct. the 6th and still no title after they told me it should take 7-10 business days... please please don’t deal with this company you will regret it.
Thank you
Alex Issa

we feel you on this situation because our situation is so much similar to yours they have burned us the same way and we will be so happy to finally be done with this company they have put us through so much and the thing about it is they just cant send your vehicle title when you pay the finally payment on your loan they always come up with some kind of lie or bogus fees to continue milking money from until they can no longer find a excuse to do it we are seeking a attorneys help .

Skybird, I suggest you call back and ask to speak to the Title Department (which is housed in Texas). Additionally, dependent upon the type of loan you have, your pay off balance is not the same as your principle balance. Your principle balance is what you owe, however, if you have a simple interest loan, you accumulate interest on a daily basis. If you were given a pay off quote, that amount was good for usually 10-15 days, which has the interest calculated in it.

Now, just because you pay $300 each month does not mean that $300 goes towards what you owe. Its first applied to interest, late fees, then principle balance. You accumulate interest on a daily basis and it starts the day after your last payment until the day your next payment posts to your account. So, if your daily per diem is $1.25 and you made your last payment 46 days ago, then you pay $1.25 x 45 days, which equals $56.25 in interest accumulated. And if you have any late fees (payments after 10 days of the due date) of say $10, that is also deducted. So, if you pay $300, once these items are deducted, you only have $233.75 of your payment applied to your actual balance.

Its important for us to educate our says financially so we can understand the commitments we are making...wish you well.

THIS COMPANY IS AT THE TOP OF THE CAUSE OF THE GLOBAL CRISIS. IT UNDERWRITES LOANS THAT KILL THE PUBLIC AND TAKE ALL THEIR MONEY THROUGH CREDIT CARDS AND LOANS OF DEATH FOR HOMES ! "MORREIR" "MORTE"...MEAING YOU WILL PAY UNTIL YOU DIE!CITI CARES ONLY ABOUT MONEY AND WOULD SLICE ANYONE'S THROAT FOR A DIME.! IT PAYS PEOPLE SALARIES TO DESTROY YOU EVERYDAY! IT ALSO LOVES TO HARASS VETERANS WHO ARE DISABLED. IF IT COULD IT WOULD SEND REPS OUT TO ALL THE VA HOSPITALS AND WALK RIGHT INTO THE ROOMS DEMANDING PAYMENTS AND THEN DISCONNECT THE AIR SUPPLY FOR THE FAMILY TO CLEAN UP THE LEFT OVER MESS WITH ABSOLUTELY NO REMORSE .AS A LARGE POWERFUL COMPANY, ...IT PRIDES ITSELF ON THE FACT THAT IT IS SO BIG AND POWERFUL AND THE CUSTOMER IS SO SMALL AND EASILY CRUSHED. IT UNDERWRITES LOANS AND EATS OTHER LOANS THAT THE COMPANY KNOWS WILL NEVER BE PAID OFF EASILY. THEY USE INTEREST AND PENALTIES TO CALL YOU ON THE PHONE AND DRIVE YOU INTO SUBMISSION SO THAT YOU GIVE UP AND THEY TAKE YOUR CAR, ...NEVER GIVING YOU THE TITLE... SO THAT THEY CAN SELL IT AT A RATE HIGHER THAN YOU ARE ABLE TO PAY.! THE PRESIDENT WOULD BE AMAZED AT THIS SHARK FAT CAT! THEY COULD CARE LESS ABOUT THE FACT THAT YOU ARE OUT OF WORK OR SICK. THE DOLLAR BILL COMES FIRST BEFORE PEOPLE. THIS COMPANY IS PART OF THE LARGEST FINANCIAL COMPANY IN THE WORLD WHOSE SOLE PURPOSE IS TO SLAY THE AMERICAN PUBLIC AND LEAVE ALL DEAD WITH MONEY IN THEIR POCKET CALLING THEMSELVES SUCCESSFUL. THEY HIRE "MINORITIES " TO HAGGLE PEOPLE ON THE PHONE -ESPECIALLY BLACK FEMALES- USING THEM AS PUPPETS OR YOUNG MALES OF ANY RACE TO BULLY THE CRUSHED CLIENT INTO SUBMISSION. THEY MISUSE THE PURPOSE OF INTEREST. WHAT THEY COULD DO IS INVEST 50% OF THE INTEREST INTO A FIXED ANNUITY AND SAVINGS BOND FOR THE CLIENT ON THE CAR PAYMENT AND THE OTHER 50% WOULD GO TO THE COMPANY SO THAT BOTH THE CLIENT AND THE COMPANY COULD MAKE MONEY ON THE INTEREST PAYMENT AND IF THE CLIENT WERE TO FALL BEHIND IN PAYMENT THEN THE REDEMPTION OF THE EARNED CAPITOL COULD BE USED TO PAY BACK THE ARREARS FOR THE CLIENT TO THE LOAN ON THE CAR. BUT WILL CITI DO THIS ?NO! AND WHY ?! BECAUSE IT WOULD MEAN THEY CANNOT COLLECT ALL THE MONEY FOR THEMSELVES ! IT WOULD MEAN THAT THEY CANNOT KEEP A SLAVE OUT OF THE CLIENT AND FLEX THEIR ECONOMIC CORPORATE MUSCLES OVER YOU. THIS WOULD NOT BE GOOD FOR THE CORPORATE EGO TO HUMBLE THEMSELVES AND ACTUALLY DO A GOOD THING. IT MAKES TOO MUCH SENSE AND IS NOT SOPHISTICATED ENOUGH ! WHAT IS THE DIFFERENCE BETWEEN THE KGB AND A CITI FINANCIAL AUTO AGENT...NOTHING!COULD IT BE THAT CITI IS MASTERMINDED BY ALQUEADA? AND THAT THE PLAN TO UNDO THE AMERICAN PUBLIC BY LISCIVIOUSLY DESIGNED LOAN S AND PRACTICES THAT DESTROY THE AMERICAN PUBLIC IS SO POWERFULLY EFFECTIVE OVER TIME? ARE THEY STILL STANDING?/ARE PEOPLE MANAGING TO PAY OFF THEIR CARS OR ARE THERE LARGE NUMBERS OF REPOSSESSIONS? WHO IS TEACHING PEOPLE THE RULE OF 72 SO THAT THE PUBLIC KNOWS HOW TO GROW THEIR MONEY? IS CITI DOING IT? HOW ABOUT PRIMERICA? ARE THEY PLANNING TO STAY WITH CITI BECAUSE CITI DOES SUCH A GREAT JOB FOR THE PUBLIC? OR IS PRIMERICA...THE MAJOR MARKETING ARM FOR CITI LEAVING CITI BECAUSE THE COMPANY IS TOO BIG TO SEE ITS OWN CORRUPTION AND GREED AND DESTRUCTION OF THE USA BY ITS SELFISH ATTACK ON THE LITTLE CONSUMER ? WITH A SIMPLE STROKE OF THE PEN YOU ARE SENTENCED TO DEATH FINANCIALLY AND THEY TAKE YOUR POSSESSIONS AND ALL YOUR INCOME LEAVING YOU DEAD ON THE ROADSIDE WITH MONEY IN THEIR POCKETS WHILE ALL OF EUROPE AND ASIA ARE WATCHING THIS HUGE COMPANY PUT OUR WHOLE NATION INTO A SPIN AND TAKING AWAY ALL THE TRUST OF THE GLOBE AWAY FROM CONFIDENCE IN OUR MARKETS AND CURRENCY ! WHEN WILL CHINA AND THE EUROPEAN COMPANIES CALL CITI FINANCIAL AUTO AND START DEMANDING THEIR PAYMENTS AS THEY HAVE DONE TO THE AMERICAN PEOPLE ? WHEN WILL BE SERVED FOR THE PUBLIC? HOW LONG WILL THIS GOLIATH SLAY THE PUBLIC DAY AFTER DAY UNTIL THERE IS NOTHING LEFT OF THE STRUGGLING WORKER? RIGHT UNDER THE NOSE OF OUR GOVERNMENT CITI FINANCIAL AUTO CRUSHES THE AMERICAN STRUGGLING ECONOMY BULLYING PEOPLE ON THE PHONE AND SNATCHING THE POSSESSIONS UNTIL ALL EFFORTS TO RECOVER ARE FUTILE. THEY WOULD EVEN GO AS FAR AS HARASSING ALL MEDICALLY DISABLED PEOPLE IN THE MIDDLE OF ILLNESS OR A FUNERAL TO COLLECT THEIR MONEY ! THEY HAVE NO REGARD FOR HUMAN LIFE AT ALL! BUYER BEWARE OF THIS MONSTER IN THE MIDST OF THE COUNTRY LEACHING OFF THE PUBLIC LIKE A GIANT BLACK HOLE THAT BOASTS OF EVERY FINANCIAL KILL IT CAN GET ITS HANDS ON USING OUR OWN PEOPLE TO ACCOMPLISH IT IN THE NAME OF PROFITABLE BUSINESS !

I paid off my loan with Citi Auto Financial on November 5, 2009 with a cashiers check from my bank. The check cleared my financial institution on November 9, 2009. It is now January 24, 2010. I still do not have my title. I called numerous times and each time they said that it was in process and that I would have my title by regular mail that week each week I called. It was supposed to be in 7 to 10 business days. They were great during the duration of the loan, but they seem unwilling to release my title to me. I am about to contact an attnorney. Whether this speeds along the process or not, we will soon see. I will never deal with them again!

I can relate once we were consolidating debts and they went and paid my sisters account off claiming it was my husbands as well. I ended up calling the corporate office and they had to send me back the money as the check was in my name and my name was not anywhere on it. They were not too impressed with me but i got almost 1000 of my money back

RESPECTED SIR/MADAM,
LOOK IT YOUR SYSTEM AS SOON AS POSSIBLE AS REGULAR CLIENT OF YOUR COMPANY U CHARGE ON THE SAME OF CUSTOMER OF LOAN CLOSE CHARGES OF RUPEES 5 % OF PRINCIPAL OUT STANDIG ITS HYUGE OF OTHER COMPANY & THE OVER OF RBI GUIDE LINES WE GOING TO ALL CIRCLE OF RBI.

STEALTH PIOLET OBVIOUSLY YOU HAVE NEVER BEEN HARRASSED THATS BECAUSE NO ONE WILL EVER LEND YOU MONEY LOSER

I am so sorry you had to deal w/ that BS from them! I interviewed for a job with them and I knew before the end of the interview that it was a sleazy place to work. I just got a bad feeling from the moment I sat in the chair. Now that I've read your story, I'm glad I declined the job.

Totally agree, they are ###. I paid this month ahead of time, actually had already paid 70 $ for June at the end of May and I just paid June due on the 20th and only 80 went to the principal, more than 300 to interest! For sure I'll never ever again get a loan from them.

There interest rate is very high..Customer service is not helpful at all.THEY NEVER RETURN YOUR CALL..It was a mistake to take a loan out with CITIFINANCIAL...THEY ARE MONEY SHARKS...

I agree, Citifinancial should burn in hell. I to have a personal loan with then in which I just found out the whole payment of $166.00 is interest. Nothing, not a dime goes to the balance. What a ripoff. This should be illegal and they should be stopped and put out of business. Anyone thinking about using them, please, think twice, because you will be in debt forever!

They manage a lot of department store cards also and their rates are approaching 30%/year. They always offer an interest free or reduced interest period knowing that the individual will not pay it back in that time. When the year of interest free time is up, if you still owe even a penny they will ding you for all of the interest o the original borrowed amount.

Sorry to hear that. Hope you find a new job. cheers.

We have ask several times for the manager and there employees to stop calling and contact, Mr Franklin Carrion at his home and not our business. They are refusing to corporate. Thank You for looking into this matter. Manager Ms Pam Davis & Owner Mr Davis.

I agree Citifinancial is the worst when it comes to borrowing. Consulting with a lawyer to start law suit. documents indicated a loan for 7% but no money was ever applied to the principle.