Offered deferred payments by Citi Financial on car loan for 45 days, was not told once payments start again that I would only be paying interest and late fees. So time for paid off and I'm thinking wow one payment left of $363.06 I get a paid off of $2803.55 what the ***... I called to speak to someone and they tell me this crap that's it's all my principal and if I can't paid it off they can defer the payment again I offered to pay $2000.00 to get out of this loan and was told all or nothing. Has this happen to any one else.

I'm sharing this story in the hopes that it might help someone else.<br />
my wife has what has been described as a financial addiction<br />
when she was laid off her job she needed to make a car payment at the end of the month, <br />
325.00 to be exact.<br />
unfortunately instead of being honest with me and saying that her unemployment checks <br />
had run out and that she needed help she discovers the cancer of payday loans! <br />
since she had not been able to find a job in the months time to pay back the first loan<br />
she goes and gets a second loan to pay for the first! and so on and so on! at one time she was trying to<br />
juggle 3 loans with the payments at different times of the month, the only way i learned about it<br />
was because her name was now on every single loan companies mailing list and they were flooding my mailbox<br />
with offers! when confronted she of course denied everything...so she starts stealing checks from the check book<br />
to make payments, her name is not on the acct to begin with! how can these companies cash my checks in the first place?<br />
to make a long story short by this time her credit is shot, she doesnt even qualify for a credit card, YET...because over time she made friends with one particular girl that bounced around from loan company to loan company and eventually ended up at citi financial she walked out of a citi financial office in Waco TX with an 18, 000 loan! she was denied a 500.00 loan the week before? yet citi financial thought she was a good loan risk? not only that she completely lied on the loan application<br />
concerning her collaterall! does not citi financial have to check that the applicant has these items to put up?<br />
citi financial gave an 18, 000 to a woman with NO-zero assets??? if they had done thier jobs and checked her application they would have denied this loan for bad credit score, so there you have it, how a 325.00 car payment turned into a 36, 000<br />
financial disaster AND a broken family, thank you citi financial not only have you ruined a womans life but helped destroy<br />
a 28yr marriage and family

I had a loan approved with the Linden, NJ branch but my experience with the Rep caused me to walk out on the loan closing. I thought I was buying a used car. The manager was sitting at her desk the whole time making collection calls.

The Rep was slow and mechanical and didn't have any paperwork ready. He made me wait while he verified information that he had for days before the closing. He took other customers while making me wait.

This was supposed ot be a loan closing but the loan papers were never printed. When I told him that I was leaving he said "ok".

They are always mailing out direct mail but I doubt they close any loans.

This company has no Customer Service what so ever, I was unfortunate enough to have to move out of my home at short notice and find somewhere to stay, as it was not a permanent address I did not up date my account with citi. I continued to pay them the amount each month which was a set amount on the same date each month, well when i finally did change my address I found out that they work on a 23 day cycle os the payments had only been paying late fees for the three months. I explainied the situation but no one was interested and no one coulf help they said that i had to pay the outstanding balance and they could not waive any of the late fees, so i agreed to pay the late fees and brought my account up to date only to find out that they had changed my plan for 0% to 30% I called and was told that this cannot be changed back.

This company is not caring and does not want to help even if customers are willing to work with them. DO NOT USE THEM THEY WILL SCAM YOU AND THE STAFF ARE EXTREAMLY RUDE AND TREAT YOU LIKE A CRIMINAL.

Also the harrass you with constant phone calls sometimes 8 times a day.

I try to make payment using the information above to my car loan, and am told there is no such account. I encounter this problem frequently. It gets frustrating and I give up and try another day--Same response. I do not want an automatic withdrawal because of the way I get paid and how my bills arrive in the month. Payment by phone is convenient for me. This way to pay with this company is rediculous.