CitiFinancial Servicing
Reviews and Complaints

I agree, I have been disputing my late paymts with them for about 3months they are a rip off and you can not reach anyone in upper management...we need to all protest against citi financial!

we have an account with them now for a sofa we got last sept 2008 . We never got the first bill for three months. I called and called and told them I needed my bill because we had the 0% interest for 48 months or what ever it is I was told you will not be charged unless you miss TWO payments in a row then they will add all interest back to account. We recvd FIRST bill with late charges and interest on it. When I called they said I was late? I NEVER GOT THE BILL. We got that fixed and things went back to normal. I was late this past month due to hard times and was fine with the late charge . This would be MY FIRST time being late. They said I would no longer get the 0% interest and they are going to add from date we got the sofa till now back onto the account? I called and cried they just said they would take the late fee off that was it .I told them that I was never late before and they said I was the same month we got the sofa? I NEED HELP with this .. I can in NO WAY pay 4000.00 for a 2500.00 sofa? I have called and called they will not work with me at all .. keep saying sorry nothing I can do for you ..CROOKS CROOKS CROOKS // how can they get away with this all the time .. I see Im not the only one .. someone needs to shut them down .,

I purchased a refrigerator on a 12 month same-as-cash agreement which was underwritten by CitiFinancial Retail Services. The monthly statements I received from them were for a $15.00 payment which, of course, if I had paid only that amount I would never had paid off the amount owed in 12 months. I tried to pay one-twelfth of the total owed each month, but I missed a due date a few times. Then I would double or triple up on the payment. At the end of the twelve months I had paid Citifinancial $87 dollars over the original amount and they said I still owed another $119 because the late fees of $29.00 on each of the late $15.00 bills were going to trigger the full interest charges at 22.99%. This is outrageous. I have offered to settle the dispute for another $91.96 (the full amount of interest that could have been charged on the original amount). They refused that offer and want the whole amount now due of over $210. These people are unconscionable.

Sounds exactly like me - same situation except they call my 89 year old mother- I've had an account with them for years and have never been later than the 10 day "grace period". I hope they go broke and the blood suckers that run this loan sharking company go to jail!

obama my have his faults, but he hit the ball out of the park today with his proposed consumer bill. the only thing he did not say, due to politness is "citi sucks"

I, too, recieved numerous harassing phone calls from the local Citifinancial office. Funny thing was, I was never late on my loan payments. The phone calls were actually sales calls trying to get me to add additional money onto my loan. They would call my home, my office, and my cell phone. Sometimes as many as 9x a day. I advised them numerous times to stop harassing me. Federal consumer protection laws protect people from such harassment, especially since I am on the national do-not call list. I eventually determined they were doing this deliberately to be f*n idiots. I filed a complaint with the state consumer protection board and sent a letter to Citifinancial's regional manager. Calls stopped. But, then guess what happened? They sued me! Advising that I was behind in payments! When in fact for 3 months I've tried to pay off the account, only to get my checks returned in the mail advising they will not accept my payoff. In the civil action filed, they wanted me to pay for their legal fees! WTF! This all happened in the last couple of months. Lucky for me...I've got the money to fight the f*n ###. I'm meeting with a lawyer this week. After reading all of these complaints, it's time this company gets its do...

My mother has already paid 5061.00 to Citifinancial. She past away March 2008. Her bill credit limit was 2900.00 and they claim she still owes over 4000.00 dollarsWho can help us?

CitiFinancial calls many times during the same day and it is different phone numbers when you go to call back. Some of the time the phone number does not work. These numbers are not the one listed on the monthly statement for customer service. That is another issue. When you call after you give your account number you still have to go through the third degree. One you give the number they should have all the information and not have to question you over and over. Why would I be calling if it wasn't my account? The account is not even 2 weeks past due.

This company is assisting Alqueada to cripple the American public right under our government's nose.

I have even told them That I had a payment already set up.. But you are right on the 5th day you are past due you will begin receiving phone calls and every day from early in the morning until late at night... I thought there was a law against them calling you too early or too late.. I received calls from them as early as 6AM and as late as 10PM and I have never been more than 14 days past due.

I am running a 2-3 weeks behind and yet I still manage to make a payment every month. I get calls from Citi, Citigroup and CitiFinancial all day long. They call me up to 6 times a day and they leave a message each time.

I called them and told them to please remove my phone number from their call list and they say that they will do so and then a few days later I'll start to get the calls again the first one is at 8:45am every morning and the last call is at 8:45pm every night.

Should I call a Lawyer?

Nathan B.
Nathiest@gmail.com

citi financial auto is not a good company they should work with the consumers because they dont realize that with out the american tax payer the would be no citi financial do you remember that we bailed them out us the american tax payer you and me 45 bill and the gov still hasnot been payed back very poor company

What you people don't realize is that not everyone understand loans and interest. he probably did end up paying double or triple because the interest accrues daily!
And why are some of you so ugly calling people stupid and you don't know him or his situation!

Oh yeah citi bank sucks dont do business with them take your business to a credit union .. lower APR and better cust service .. dont waste your time with Press 1 for loans press 2 for CEOS who make over 10, 000, 000 press 3 for CEOS who make over 20, 000, 000

Shutup you stupid idiots all you commies prob work for a damn bank that depends on US to survive so STFU

And also, we hand a carefully written, perfectly legal and compliant contract to every customer, which includes the interest rate and how much they will pay, in total payments, as long as they pay as agreed. I also tell every single customer they can pay extra to pay the loan of earlier and save money on the interest.

They can take it home and read it, and if they don't like it, bring the checks back the next day. But they never do. Amazing. They love us when they want the company's money but they hate us when we expect them to pay us back with the interest they agreed to. Shocking...and they call me a loser...

Even if you pay 25% interest, the most you would pay on one year to pay back $500 is $625. In fact, it would not even be that much. The key is following the contract by paying on time, which you probably don't do, since if you did, you would be getting $500 from your credit union instead of Citifinancial, or you would just get a cash advance of $200 on the credit card you obviously do not have...

Also, to pay it off within a year, you would probably have to pay more than the minimum payment, since Citifinancial doesn't actually write the contract for 1 year unless the customer specifically asks them to.

The only way that you could spend triple paying back that $500 is if you never pay on time, EVER. I mean you would have to be paying 60 days late all the time and never, ever pay your loan up to date. How do I know? I work there.

If I write a 5 year loan at 25%, as long as the customer pays their payments WHEN THEY ARE SUPPOSED TO BE PAID, they will spend less than twice the money they got from us to pay us back. Every time. I have plenty of happy customers that come back to us, year after year.

The unhappy customers are the ones that have a payment due on June 15th and they pay it on August 15th. They get mad because when they make a 30 day minimum payment 90 DAYS after they borrow the money, they spend their payment on interest instead of principle. Well, all I can say is DUH. That person had a payment due on 6/15, 7/15, and 8/15, but they only made one payment? And they are mad because they owe us 90 days of interest but they only gave us around 40 days of interest and we actually used it to pay down the 90 days of interest they owe us? And no matter how many times I say, "Pay on time and your loan will work the way everyone expected it to", they still pay later, and later, and later...

But I digress. Anyone with a brain already knew the poster was an idiot before I put in my 2 cents...

you can't borrow 1 penny, there is a $500 minimum. remember?

"bad mistake...i probably ended up paying triple on that $500"
No ###. You've never heard of interest? It's idiots like you that these people make their money off of. Do yourself a favor next time and buy a $30 air matress from Wal-Mart until you can afford a ###ing mattress.

Go back to the branch and request them to pull your file so that you can see it. Then have them PRINT the ledger card (all the way back to your first payment) on your account (don't let them tell you they cant). Then in your file, there should be the number of deferment authorizations with your signature that they say you have had over the term of your loan.. Look at the dates of the deferments then have them go into notes and have them tell you the reason why you had requested the deferments. Company policy states that they MUST keep a signed authorization of EACH deferment in the file even after the loan has been paid off. If they cannot provide this, contact the District Manager and keep going until you get resolved
*see the hard copy of SIGNED deferment authorization in your file (ALL ORIGINAL COPIES)
*Make sure the dates on the form match the dates on the ledger card.
*Make sure that you have the number of deferments that are on your ledger card
*If they cannot provide ALL the defer forms that are on the ledger card, then you may have a case.

People need to file a class action against this company they are worst than loan sharks they never go away and just when you think you have paid them they come back years later, they are Predatory lenders. I'm in the process right now if putting some information together in order to file a legal complaint against them the link below is the lawyers tht sued and won th landmark case against Money Mart and I think they could finally take down Citifinancial if enought people contact them. Check it out.

http://www.strosbergco.com/landmark-cases

Citi Financial is a rip off they are doing the same thing to my husband. Valarie0712 as an employee of citi, which from the sounds of yourt comment you are. You need to get to know your company better. Because they are a rip off. GET OVER YOURSELF.

Way to try and mitigate the damage. ALL your postings are on CitiFinancial related complaints there Valarie0712

Perhaps you should have paid as agreed. Deferrals can only be given to a customer who is close to or over 30 days late and make only one payment instead of 2. They are given to help the customer avoid collection action and having their credit ruined bt Citifinancial reporting them as behind.

Are you stupid? If you don't pay a loan as agreed, it doesn't get paid off on time.

This company is assisting Alqueada to cripple the American public right under our governments nose!

thank you

You are not alone!

This company is assisting Alqueada to cripple the American public right under our government's nose.

i agree this company is out of control and are taking advantage of people.. they cheated me too! i was told by a supervisor if i filled out loan paper work with my husband's information and added him to the loan then sent in his orders the would take 19% rate i'm at now down to 6% since my husband is deployed with army! after going through and doing everything i was told they denied me! this company is crap and full of lies. why do we have to do what we say we are gonna do but if they promise something they don't have to?

Ditto, we are having the same problems with a Tempur-Pedic mattress we purchased from Mattress Discounters in Antioch, CA - 5891 Lone Tree Way #B, [protected].
--When I discovered, after about 30 days of the in-home trial, was that the mattress did not help my back problems. In fact, it aggravated the back pain and I was waking up with back and neck pain nearly every day. I wanted to return the mattress per the TV advertisements that you get a FREE, 90-day, in-home trial. The TV ads, I might mention, say NOTHING about the fact that (as we found out later), in order to get the 90-day trial, you must purchase directly from Tempur-Pedic, either online or at one of their stores.
--I called the store. They said, "Too bad, your sales contract said you get only a 60-day free home trial, and your purchase is financed by Citifinancial Retail Services, who carries the credit line for your purchase, " which we already knew. We had previously received a credit card-appearing piece of plastic with the notation "Mattress Discounters" on it, as well as "Citifinancial Services." The Mattress Discounters sales person went on, "You cannot just return the mattress and have it credited to your Citifinancial Retail Services account. Your credit balance with them can ONLY be applied to another purchase, and ONLY from this store."
--I called Tempur-Pedic customer service (from a phone number found on their web site), and was told by their rude and tart customer service rep, "Oh, well, you didn't purchase the mattress directly from us, did you. Too bad! You are 'stuck' with it." Huh? Mattress Discounter and Tempur-Pedic have a contractual arrangement with each other to sell the product in the Mattress Discounters stores. These people are just two partners in "crime, " each one blaming and passing the buck to the other.
--We have no kind words for either Citifinancial or Tempur-Pedic. We also found out that the original purchase agreement at Mattress Discounters said we got a 60-day in-home FREE trial and 12 months to pay on a "same as cash" basis, and if paid off completely within 12 months, there would be NO interest charges. This arrangement is NOT exactly free. We are now being billed $19.00 per month as "minimum payment due."
***We will NEVER again having any dealings WHATSOEVER with both Citifinancial Services and Mattress Discounters. We will also file formal complaints with both the Better Business Bureau AND the California Attorney General's office. We live in Antioch, CA, and are in a position to pass this information along to ANYONE who will listen. We strongly advise ANYONE never to deal with Mattress Discounters or Tempur-Pedic.

We purchased furniture from Rooms 2 Go & have never received a bill. We get solicitation mail with the wrong name on it, as well as on the card. I am unable to locate an online bill pay & do not receive bills. How are we supposed to pay this? We get calls saying our payments are past due but there is no payment no interest until 2013. I have already cut up one citi card & vowed never to do business with them again. We were not told it was Citifinancial until after the paperwork was signed. I would never have purchased with that lender. I will NEVER do business with the store or CITI again!

I am a citifinancial customer in good standing. When I would go in to make my payment I would ask the girl what other loans were available. Unbeknownst to me she ran my credit 5 times lowering my score for no reason. One time I specifically said "do not run my credit unless I am interested" and she still ran it. Very inconsiderate and illegal and damaging to my credit score. This was at the Saugus, CA office. It is not necessary to run a report on someone who is open with you and in good standing unless they say they want another loan (refi or heloc). To this day they insist they could not give me any in for such as a payment unless they ran a credit bureau. I know that not to be so. They could simply give figures and say that is assuming your credit score has not changed since we made you your current loan.

i feel so sorry for all people in this position or simular situations. our laws are made for criminals and big bussiness. the common people have no where to turn. vote out all of these stupid polititions. maybe this will get someones attention. everyone needs to e-mail or get intouch with the congressperson and senators. it will take all the lazy people to help do this. good luck to ya.

I'm Warren Redlich. I represented the Crabills and I agree with them that CitiFinancial (along with other Citigroup companies) mistreated them. I'm also happy I was able to get CitiFinancial to drop the foreclosure action against the Crabills. This is one of many cases where regular decent people have been screwed by big banks.

Way to try and mitigate the damage. ALL your postings are on CitiFinancial related complaints there Valarie0712

That is ridiculous. No lender is going to assume your credit score is the same as it was 6 months ago. It could be higher than it was, or lower. You could have defaulted on every creditor BUT them, your credit could be a total mess.

Your income, another factor in loan approvals, could also be higher or lower.

You could have a 750 score today, stop paying your mortgage for a couple of months, and have a 550 score a couple of months from now. Also, a credit pull MAY lower your score by 2 points, so at most, if they pulled your credit 5 times, your score MAY have lowered by 10 points. Not a big deal unless you started out at 550 instead of 750.

Citifinancial offers loans to people at a wide range of interest rates. They are trained not to talk about rate unless they have a full application. That way they can not mislead anyone in regards to rate or payment.

So stop applying, already. If they tell you a rate or payment today and you don't like it, the rule of thumb is to wait several months before you apply again, because usually, if you don't like what the loan rep is saying...YOUR CREDIT NEEDS TO IMPROVE...and that takes months, if not years.

They took out two payments on us and only one was authorized for the month of May. They proceded to process both payments. In turn put us behind yada yada yada. Ok now heres the funny part. I called to get my payment back, that didnt work unless I had paperwork "Faxed" to them. Can i get someone who speaks english please? I've asked to talk to a manager over and over, they keep telling me to call back or they'll call me. I asked to speak to someone different because I could not understand what they were saying and they told me to call back and hung up on me. Again, english please? Where is this company located at? I cant get one person that speaks normal english without such an indian accent. Its been two weeks and still aint got my money back. Its in "approval department" whats there to approve? i didnt authorize it?

We are getting the same type of run around. January 15, 2009 my husband was laid off of work. We called to see if we could get our payments reduced by way of refinancing our loan or trading down. The man I spoke with said sure, go find a trade that will lower your payments to what you think you can handle and we will finance the trade. We went and found an older pick-up and the payments were going to be just under $300 with our trade paid off. We were seriously upside down on this vehicle mind you and the dealership was good to us because we have traded with them many times before. We called Citifinancial Auto and they said no way. Nobody here would have told you to do that. We were taken aback. We then appealed for a refinance to lower our payment and they said no, but if we paid a payment they would add a payment to the end of our loan. That was our only optioan, then if my husband still wasn't working, they would consider a refinance. We did this and while I was able to aquire a pt/on-call teller position at a local bank, my husband was still unemployed. We then appealed again for a refinance and were told that if we paid a "qualifying" payment they would refinance the loan. We paid the "qualifying" payment which put us behind on my student loans and phones the company to see what payment they were able to arrange via refinance They said we did not qualify and were no longer doing the refinancing. We then decided that it was no longer working to work with this company and they were going to have to come up with an actual agreement with us to lower our payments if we were going to pay another dime. ok, so we are told for another qualifying payment since it had been too long, they would lower our payments for six months we asked them to put it in writing and they refused. We sit here, our car well hidden, until they get their heads our of their butts to help us. As a side note, my husband has recently been diagnosed w/ squamous cell carcinoma of the conjunctiva. It was removed be threatens to return already. We need help from this company to keep our car. All we get is the run around and treated like idiots.

what you need to do is tape record 'their' phone conversations and then contact the better business bureau! Complete line of bull with every rep you talk to. Thank you Citi-financial-Auto for ruining what started out to be a beautiful day for two great people. I really hope none of your employees have their loans with you and get into financial trouble.

I have a reoccurring payment setup for my auto of $373.43 every later half of the month. Just yesterday a $400.00 electronic check was submitted to my account. I had no clue who this was nor what it was for, so I justly put a "Stop Payment" on the check issued 6/22/10 for check #10 in the amount of $400.00. The very next morning, an additional, duplicated charge is processed through my account and has a check # of 9999 . . . ! ! ! ! Ok, WHAT!
A few moments later my wonderful bank's assistant branch manager calls and says that the stop payment check has been reissued, and cleared on the 21st (And today is the 23rd of which the phone call just took place) under a different check number and in order for me to stop the payment attempts they needed to know who the "Payee" was. I told her that was the issue. The checks have no images for them to pull the payee from, no listing of "CitiFinancial Auto Pymt" as my regular payment titled, and they had to trace the routing number to distinguish who it was. Guess what, it was Citi Financial Auto.
So, I call Citi and got your basic India representative and immediately informed her that two payments were deducted from my banking account and both have empirically (of which I had to define for her) been credited to Citi Auto. She looked on the account and informed me that a reoccurring payment from June of 2009 was recently reactivated for a monthly payment of $400. I told her that was entirely false, and that the transaction had been perpetrated with two distinctly different check numbers to satisfy a payment after the stop payment had been placed and that someone was literally stealing money from me and my bank was advising me to change accounts and "Let them" begin filing procedures for fraud. The representative said that no one was stealing from me, but the payment can't be returned. I also asked when the call took place to "reactivate" this payment, she couldn't provide an answer nor any corroborating notes.
I asked for a manager.
20 minutes later a Nidh (Pronounced Nideeh) clicked on and I had forced myself to calm down to reconcile the situation. 40 minutes later, a conference call with the Branch Manager, after my bank became aggressive and I had to resort to politeness (of which I maintained from the onset), apologetic, and literally begging "for her help as a manager" she said I might get the payment back within 2-3 business days with the NSF fees that were caused. I told her the charge put my account in the red and I needed it as immediately as they had received, stolen, it from me. Paraphrasing of course, but I inevitably had to ask for yet another escalation of whom has to "call me back" at a designated number-I anticipate none.
To go back to the how.
This manager told me that the $400.00 payment had been going through my account and then reversed (by them) every month and I just hadn't noticed it till now. Well, there's ONE contradiction: I was previously told it had been reactivated. Second, the two distinctly different check numbers, and the most absurdly frustrating contradiction-She thought I'd be stupid enough TO NOT NOTICE $400 GOING IN AND OUT OF MY ACCOUNT EVERY MONTH, ROUTINELY and NOT to mention, of which my banks' branch manager simultaneously informed both her and I on the conference call, that if a "Transaction had been processed and reversed every month, for the same dollar amount, not only would it have triggered a 'red flag' as conspicuous activity but in the least meriting a call to the client to (1) inquire about the activity and (2) negate continual transactions."

There are obviously very unsettling events going on here, and I am in no way comfortable with where it left by Nidh canceling the reoccurring payment. I am in search of a contact number for their Irving Texas corporate office, if anyone has one please email me at e.s.lavelle@hotmail.com.
Something else entirely frustrating. On their Contact us page, they have a picture of a White American Women as the call representative and it is clear that there isn't a single American Employed at the call center establishment. Their CEO is from India, of whom made approximately $39M in 2008 after receiving over $45B in Federal Aid (And they're still beating up on the poor man). In 2009 he sheepishly resorted to a mere $125K. (Equilar.com)

Banking Fraud! They have erroneously debited my bank account twice (I am not on an ACH plan). I have been fighting 3 weeks to get my money returned plus reembursement for all of the NSF fees they created. They owe me over $500.00. They told me that I was approved to have my money returned to me and that I should have it in 72 hours..(like duh)..however they are still failing to do so (three weeks and still waiting). What makes this worse is that I was in a deferrment status when they did this. The real kicker is that this is not the first time they have done this. They did this to us another times 8 months ago. This is bank fraud...and I would like to join anyone that has started a lawsuit. We are renters, and if we do not have our money back by the time rent is due (in three days)...guess what... yeah. I am totally disgusted with this company taking advantage of people. As soon as I get my money back...we are refinancing our truck. I don't care if the payments are higher...I just want out from under this abusive lender.

I have had many run ins with citifinancial... but the icing on the cake... Let me start at the beginning. Six months ago I got two months behind on my payments, so they called and tried to assist me by setting it up where I would only have to make half payments for six months. Well the payments were coming out automatically and they still were calling asking for payments. The payment for december was taken out on the 16th. That was to be the last payment of the six month period. Well, last week they reposessed the vehicle. The next payment, which was the accrual of the half payments for six months, was not due till the 23rd of january. Now when I call them they refer me to the redemption dept., whom I have called and waited on hold for as long as 4 hours. I just want an answer as to why if the payment was taken out, the vehicle was taken. I would have been able to make the payment due to getting my tax refund back. They are a company that feast on people, for lack of a better term, who are ignorant and less fortunate. If you know of someone that is or will be dealing with citifinancial, warn them to stay clear.

I hate Citi Financial with a freaking passion..I hope they file chapter 13 for all I care..They LIEEEEEEE so much, and make promises, and never send things in writing. I am thinking about letting them come and get my car. I will do better off at a buy her pay here lot...The hell with a credit report..I can get that mess taken off, by a crocked friend of mine...Besides I am not happy with the CAR!

The car is worth 8, 000.00 and my pay off is 18, 000.00. They will never get 18, 000/oo from me. LOL

I made a payment and they also took out an UNAUTHORIZED payment causing several fees in insufficiant funds. I have been fighting with them for 2 months to repay the money. Still they have not done so. Several phone calls, bank faxes, 3 way conversations between me, my bank and citifiancial.
THEY are crooked liars. This is not the end. They can repossess my car for all I care.

Please let me know if you hear anything. I am a 22 year old college student with my own citi credit card account not even linked to my parents, and got behind on payments due to finishing up and paying for school ( i pay for my school completely) and not having a job that will pay me enough to make payments. They have since called my parents, told them about the situation, told them the account number, the amount the debt was for and threatened to sue myself and my parents, who i mentioned already are not even on my account. I stopped answering their calls because I can't make payments, and they started doing this over the phone. What can I do? The prospect of graduating college with a large student loan burden, as well as bad credit is already depressing enough, not I am being harassed and my parents are getting involved in a situation they can't even help out in due to my parents own financial problems

SUE THEM! Blog the hell out of them, put together a blog site, organize a community, and sue the hell out of the ###.

At the bar or at any public place that has a CITI commercial on the tube, stand up and start yelling:

LIARS! LIARS! THIEVING DAMNED LIARS!

Let people know that the word CITI-anything is as offensive to you as Nazi war crimes.

My family has also suffered financially. We hope someone shows liars for who they are. May they rot alone.

Oh my Gooodness, we are having the almost the exact same situation currently with CitiRetail! Did yours ever get resolved? We also bought a carpet on a 4 months same as cash deal. They changed the contract due date from 12//24/08 to 12/05/08 and we sent our final complete payment at the beginning of December because we thought it was due on 12/24/08, plenty of time. They say we were late--they didn't credit our account until 12/14/08 and want all the interest--almost $1000..00. We are soooooo angry! My contract actually says 12/24/08, so I am sending that to them tomorrow, but they will just change their rules or whatever, to suit their story that we were late when we were not! What ever happened with your situation? Lisa