I bought my car 2 years ago for 15500 i have paid on it for 2 years 9200.00 and my husband was laid off in oct 2009 and we have struggles we have been promised lower pay payments would mail paperwork never recieved we was promised deferments and they was put back on they just repo it and we call next morning and was told had to call another number that dosent answer i called 4 times held for a hour 15 min, then 45 min then 1.45 min and 2hours and 9 min each time left a message and the recording says hold may be 30 mins or longer and will call back within 24 hours it has been 48 and no call back was told my payoff is 15300.00 what the hell have i pd 9200.00 on they dont want to help anyone but they sure took government money to bail them out what can i do .

We have just paid off our truck in full and are expecting to get the "free and clear" title. We have still not received the title. I called the customer service dept and spoke to someone named Mohamed. Obviously this person did not speak english (nor do the rest of them) very well, which made this 10 times worse that what it could have been.
I had mailed a cashier's check that was purchased from our bank. I wrote on the check that this is the finally pay off amount in full. When I asked where the title to our truck was, Mohamed informed me that we did not pay the truck off and that we refinanced through our bank. I stated that this was not true, and told him the amount that was on the check. He said that this is the pay off amount, and that the title was sent to the bank and gave me the address. I then proceeded to contact the bank and ask them if our title was there. The bank said that they did not receive the title and that they do no understand why they would have it anyway. There was no refinancing involved.
I contacted Citi back and asked for a supervisor. When he got on the line he told me that the title is still being sent to the bank and they would have to clear the lean. I informed him again that the check sent out was a pay off and there was no lean on the title. I again asked where and who had our truck title. He stated that he did not know and that we should wait 3 more business days, call the bank and get it from the bank. When I asked why they sent it to the bank to begin with, he said that the bank's address was on the check and that is why they got it. I asked if someone in Florida sent in a check and they happened to put my loan number on the check with their address, would they have gotten the title. I demanded to know why they did not use our address on file, he just stated that it is not their policy. I ended up furious and had to hang up on them.

On top of all this, they do not know simple math either. We did not owe as much as they said we did and it took almost month of calls to the customer service dept. and still they could not understand that 300 times 9 months only equalls 2, 700. Our payoff amount was over 3, 500. We just paid the amount to be done with this company. Dumby us, we know. Know we are still having to deal with them.


I STRONGELY ENCOURAGE PEOPLE TO STAY AWAY FROM THIS BANK.

I wanted to refinance my loan & they simply told me that they are not allowed to do that. I asked for something in writing and they told me they couldn't provide that. I asked how can a company as yourselves not have something in writing stating that an auto loan can not be refinanced. It makes no sense. The customer rep got all nervous. I just don't understand how a company can be this way and not provide legally in writing a loan can not be refinanced. I hope this company gets everything they deserve. Something should be done on how this company treats its consumers.

I took out a loan for a used huyndia at Bill Dube Huyndia in 2006 for the amount of $12, 303.40 with Citi financial auto. I have had many expenses with this car example (a new motor) amougst many other things but I have also had to continue paying for this NEVER Ending bank loan. I requested paper work from Citi financial on how much I have actually paid for this car to date- The paper they sent me I needed to get a magnifiying glass to read- but upon requesing another more ledgible copy they finaly complied. At any rate bottom line is I purchaced a used Huyndia for12, 303.40- with 1, 000.00 down.My interest was at 19% (so I thought) but appently was actually 23%. My payments are 295.19 per mnth- I have been paying this since 06/30/2006- So to date I have paid citi financial $13, 590.00 ( which is more than the origonal amount and my pay off today is $8, 463.29. If I continue paying at this rate mypayment is$295.10-$139.91 goes to interest- for some reason I think this is better than what they were doing. As I review regular past payments I am seeing many different amounts in all colums- example-(regular payment on 1/17/2009)-$295.19--principle $54.53- interest$235.76. There is absolutely no consistancy or explanations with any of the amounts paid- or interest /late charges. I could not figure this out even if I tried. I also am friends with a postal worker - I did an experiment with her ( my due date is the 13th of every mnth.- So I mailed my payment at the post office 15 days prior and was still accessed a late fee.Citi financial told me I should pay by phone for an extra $15.00 to insure my payments were recieved on time. This is a scam- I belive if I pay them as supposed I will have give them in the area of 27, 000- for a $10.000 Huyndia- this is what I was suppose to be borrowing.- But after putting 1, 000.00 down my loan still ended up to be for 12, 303.40 ( I have no clue how that happened either.I have contacted them many times due to this problem and have many documents- I will send the first round of what they sent and the second. Can somebody please help with this- I feel as if I am being held hostage with this car- I don't know what is worse the car (and it's many expenses to keep it in working condition) or (the loan which I don't think I will ever be able to pay off) Please help!!!

I am feed up with Citifinancial Auto and sick of calling INDIA!!! it's like talking to a bunch of idiots who have scripts to read you!! I paid my truck off, they received the payment on 1/7/10. These idiots told me i am not getting my refund mailed out until 1/29/10. they need 15 business days to confirm if there company received the funds properly??? I had the dealership fax them over the cancelled check that they cash and now they are telling me i have to wait at 48 hrs for them to review this. I JUST LOVE OUTSOURCING!!! their customer service has everything to be desired. When I asked to speak with someone in the United States, they informed me they don't have a customer service in the United States. I wonder, did we bail these morons out on Wall Street, too??? I also have a HD Card with them, that's being paid off and called. F Citifinancial/Citibank.