We bought a used Buick Rendezvous from a dealer and a little over 2 later it started breaking down on us, so we took it back to the dealer. They told us the warranty was out on the part and to fix it we would have to come up with $2000. Yeah, right. We demanded a new vehicle. And they sold us a Jeep Commander, and said they were sorry for the trouble, but still wound up placing the Buick loan on top of the Jeep loan. Upset down. Fine. After repeated requests, Citi lower the monthly from insane to normal $545, considering the size of the "new" loan. We made regular payments for 2 years. Now my wife lost her job, and I called Citi to see about restructuring the loan for lower payments. The guy (they always go by "Mr. so and so OR Mrs. so and so") told me if i make 3 more regular payments it could happen. Did that. Requested the modification. The lady I spoke with now, said she didn't now any rep by that name and didn't see the agreement, but said that 3 more payments and I could get the loan restructured. I felt this was just a runaround they were giving me. Then I get a letter in the mail stating that now they are charging me $116 extra on the monthly loan because I had missed some insurance payments. I missed 2 cause of her job loss but immediately picked up my insurance company again. Now they are demanding that I pay my $545 payment (which I have now been told cannot not be change because they only do 1 modification per loan, ie they lied previously), my normal insurance which is $100 comprehensive and their $116 collision insurance. Where do they think the $$$ is coming from??? I called to make arrangements to pay in August for the July payment and the lady combined the insurance and the payment but said I only needed to pay $597 (I also did this type of payment in June with them per the conversation with one of their reps). They miss-typed a digit in my bank account, and the check came back to them stated the account was closed. I talked to my bank and they said they haven't received any check from them. Citi agreed it was their foul up but is now demanding I pay the full insurance payment with my monthly payment. What???? I made the payment per arrangement, it was their fault the check came back, and now the arrangement is no good? This company is a financial crook. NEVER SIGN ANYTHING WITH CITI ON THE FORM!!! They will scam you! And they're getting massive money from the government to boot!!!

I was behind on my payments for the month of july and halfway through august when they took my car. I made arrangements to get my account up to date, after paying I received a call back from the office manager telling me what I needed to do to get the car back. I had to pay Citifinancial $350, she was unable to itemized or tell me what these fees were exactly for. She then also informed me that the car was taken to an auction and I had to make arrangements with them to pick up the car. When I contacted them they informed me I had to pay them $200 to get the car. This all added up to over $500 on top of the late fees incurred for my late payments. This is in my opinion robbery and abuse from these big financial firms. They already charge an outrageous rate to lend money. To repossess a car for two month late payment and incurr $500 in unknown fees is outrageous.

I too have fallen pray to their lies! I am a disabled single mother of 2 and I lost part of my income and asked back in April for a Hard Ship loan adjustment (this is to help lower the interest rate which lowers the payment). I was told that since I made March's payment and was current then I could apply for the hard ship and to fax them my income information, did that. Then after several phone calls to them, I was told no decision was made yet and that I MUST have a fax number for them to send me the documents to sign, once approved. I explained that I only have the local library to fax from and that they will not take incoming faxes, so if they would overnight me the papers I would fax them back that day and I would also send the originals overnight to them as well, all at my expense. Made several phone calls and left messages for someone to call me back, no one ever did. Well then May came around and I finally got a call from them! The call was regarding Aprils car payment and when can I made it? Confused, I explain about the amendment and that I had left messages and hadn't heard anything so maybe they could tell me something. Again I was told no decision made yet and I asked for a live manager! Again I explained the amendment and she did tell me they needed more information, an expense break down, so I gave her the information. (I even faxed everything to them again so my bases where covered.) Now while I was on that call the manager also told me that they wanted to defer 2 payments, Aprils & Mays, so my loan would still show current while they were making their decision. I waited a few days and called them again for their decision. Again they told me I MUST have a fax number for the documents to be sent for me to sign and again I explained the whole fax thing and was told she would note it on the account so the documents would be sent overnight. Great! Finally this is all taken care of!! Several days went by and no papers. Worried, I start making calls to them and no one knows anything now, so I left several voice mail messages again for supervisors (who never call me back). I spent the rest of May and all of June making calls and leaving messages. Well then July comes around and they called to ask for my payment for June, which I didn't pay yet and was a few days late so they would have to call me. After I explained the past few months to the man on the phone, I asked to speak to a manager. Now once the manager got on the phone I again went through the whole story: April - asked for a hard ship loan adjustment & faxed information; May - manager finally tells me they need expense information & that she deferred 2mths in payments; June - no one will tell me anything. Now this manager processed to tell me that they denied my hard ship request because I asked for the 2mth deferment on payments, it canceled out my hard ship request; I can't have both. ARE THEY SERIOUS!!! First of all I Never asked them to defer the payments (they made that decision), like my lost of income would be better in a few months! I asked for the hard ship loan because my income was lower and wasn't going to go back up! Secondly, that would be really stupid of me to ask them to defer payments knowing that it would cancel out my request for the amendment, what I desperately needed!!! So after almost 2hrs of arguing with them on the phone, I am told that if I make Junes payment and they will put in a request again for me. Then she processed to tell me that I probably wont get it due to the deferments and should really wait 6-7mths and try again!

Now, after 3mths of being lied to and they deferred my payments without my requesting it, I am screwed! I don't want my credit messed up because of their games, so I have made Junes payment and will have to figure out from here how to make future high payments. I will however NEVER do business with them again, NEVER recommend them again, and I will NEVER let this matter come to an end!! I will contact whoever I need to regarding this matter and their very poor business practices!!!

My husband lost his job and I have been trying to get out of debt as quickly as possible. I was looking into getting a low interest personal loan from my pension to consolidate our car payment and credit cards. I have had a car loan with Citifinancial since 2006. When I called for the payoff information in April 09, they told me I still owed $11, 000. I thought this was too high, and I asked for a copy of my payment history. How illuminating that was!! according to the document I received, the outstanding balance as of 3/29/06 was $16, 350.69. As of 5/26/06, my outstanding balance was $19, 959.69!! By 7/22/06, my balance was back down to $15, 986.29. By 2/8/07, I owed $18, 239.74!! In 7/22/07, I owed $14, 665.24 and the balance has been reducing normally since then.

My payment is $381.80 and with few exceptions, over $200.00 of my payment is still going to interest. I also noticed several months where the $381.80 payment, which I sent as 1 check, was broken up as a "regular payment" and an "irregular payment".

I called the number for customer service from the payment history document and the person I spoke to was very condescending. He told me I was being charged $5.37 interest on the balance daily. This means that I have been overcharged for interest and am due that money credited to the principal of my loan. I asked to speak to a supervisor and was put on hold, only to be told one was not available. I am currently waiting for a call back, but am also writing to this complaint board to warn ALL Citifinancial Auto customers: Get a copy of your payment history. Look at the balances and how much is applied to the principal. Watch for large jumps in the amount of your outstanding balance. These people are doing something illegal, and it's time they were stopped!

I suffered a total loss of the financed vehicle on September 6th, 2008. After 2 months of waiting for the GAP insurance company to confirm whether they would pay or not I contacted Citifinancial for help in getting the insurance company to at least answer my call.

I was told not to make payment until the matter with the insurance company was resolved. Further attempts to defer a payment or make payment arrangements while waiting for the insurance where met with the same 'we can't do anything until the insurance company contacts us' Meanwhile I kept receiving late payment letters and phone calls constantly.

When the insurance finally faxed confirmation of the denial of claim, I again tried to take advantage of the wonderful options offered to me by Citifinancial on the letters I was receiving for being over due. I explained that I wanted to take option 4 which was to take the $9000 left after my primary insurance company paid them and spread it out over the remaining life of the loan (3 years).

I had called the payment center, I was told to call the insurance department, the insurance department said they had no idea why I was told to contact them and my call was transferred to the recovery department. The recovery department said I should have spoken to Payments, I explained I had, and they gave me another number to call. This went on for 2 hours.

After all that time I spoke with no one that was able to help, inform, or in any way be helpful. And the late payment phone calls and letters continued. All this after following THEIR advice to not make a normal monthly payment until after the insurance company has paid the claim.

Now, unemployed and without a vehicle they want $4000 in payments plus fees immediately. Every time I call the company my call is redirected, bandied about, and sometimes even disconnected. They've acknowledged that I was told to hold off payment until the insurance companies had paid but, they won't help me begin to make payments to them now that I want to eliminate this debt just not all at once. And they won't accept one months payment to get things on schedule or remove the fees their advice created.

After 6 months they have reported my account past due over 120 days on my credit report AND sent my account into collection. Wonderful costumer service.