We are air force and After we finally got our car to Germany..all our bill dates changed.. so we asked citi to change our payment date to the first of the month instead of the 23rd... the said it was fine.. and they cancelled our payment on the 23rd and our next payment would come out on the 1st of the next month.. we have our citi payment coming out of our state side bank along with our car insurance.. we have an allotment that goes into that account on the 30th of each month enough for each of those two bills.. another reason for the change.. after letter citi know this and getting a confirmation number that everything was taken care of.. we went about our business.. well a few weeks later.. we realized they took out the payment on the 23rd still.. and a payment on the 1st.. which brought our account negative.. which returned our insurance payment.. 190 dollars in fees.. we called for them to fix it.. but they needed a statement.. understandable.. the lady told us she sees they took out an extra payment but now it shows that we dont owe a payment for two months.. so we could just leave it and they could just pay back our fees they caused.. which was fine.. then.. i get the bill.. a bill sent after i spoke with her.. a bill showing both payments that were made.. and to my surprise it said we owed another payment in a few weeks.. the lady lied..!! and if i would have believed her.. i would have had another fee on my darn account.. every time i talk to someone different at citi.. they say the opposite of what the last person i spoke to said.. I hope this company goes down in the recession.. and the ceo looses everything he has for running such a terrible company.. obviously he is not concerned with keeping his people happy.. every time i have to talk to these people it is about a problem they have caused.. or can not fix.. i have dealt with including worked for many top banks.. and this one is by far the worse one i have every had to cross.. and when this car loan is done.. i will never..!! never!!! deal with this low bank ever.. again in my life time..

~**~

On 6-18-02 we obtained an auto loan from Auto One now known as CitiFinancial Auto. This past Feb 4th of 2009 we paid the loan off by personal check. The end of Feb. we received our title and a congratulatory letter that confirmed the loan was paid in full. May 5th, 2009 I received a letter stating that there was a remaining balance of $1059. The letter ask that I send my original contract and continue making my monthly payments. I called the rep. the very next day which was the 6th of may. The rep told me that my check was returned for imaging on May 4th. He did not know what imaging was. I continued to call daily to resolve this. The original payoff was $1047.62. I should not incurr anything above my payoff amount. No one at your company can tellme what imaging is and they cannot tell me where the check is, so I called my bank to stop payment, cost of $25.00. I was told on the 8th of May to call John Heath on May 12, 2009. I called him on the 12th, 13th and 14th. and left messages. To this date May 20.2009 I have not received a return call. I ran my annual credit report and it shows my CitiFinancial Auto account as being paid in full on Feb. 2009. I want this resolved at no extra expense to me I paid this in good faith and have had nothing but problems since doing so. I would not recommend CitiFinancial Auto to anyone that I know. I guess my question is how can you release the title and release the account on the credit report and then 3 months later send a letter stating that there is still a balance. I don't feel your process of payments makes any sense .


Thanks for your time

After reading info on this website, my3cents.com, ripoffreport.com and the recent lawsuit settled in California I was concerned about Citi.

I am retired and unemployed. I attempted to negotiate a payoff offer with Citi a few months ago. It didn't happen because I asked to speak with a manager and he was so rude and condescending I gave up.

I tried again recently. I talked with a Ms Nolan (she was the third person I talked to; I asked to speak to someone who can make a decision.) We agreed upon a payoff amount and she gave me a due date. I asked her to fax me a confirmation (having read that Citi had received a final payoff, then demanded more money). I waited over an hour; no fax. I called back and got a person who identified herself as the "answering service". I left a msg with her for Ms Nolan that the fax is ready. Feeling uneasy, I typed my own confirmation and faxed it. I think it is strange that the fax number on my fax receipt is 2677772 and not the fax number I dialed as shown on their website.

Over an hour later I called again. Spoke to a Ms Strickland and went through the entire scenario again. She told me Ms Nolan didn't complete the "settlement macro". (This is not my problem.) She said their department doesn't send confirmations until after the payoff is made. (they need to tell Ms. Nolan) Then she asked me what do I plan to do if this is not accepted? I told her it is already accepted and I have a due date. Then she said, "oh, the manager had accepted it, he was just waiting for the "macro" to be completed." I was asked to call back in two days.

I called back in two days and Ms Strickland told me they are not accepting any more settlements and I would have to pay the full amount or do an amendment (to stretch out payments). I told her this is not right because I have an agreement and I do not intend to prolong my relationship with Citi. The call ended with me telling her this is why Citi is in so much trouble. . . you pay when you don't treat people right.

I am not protesting the mounds of interest I have paid; that was my mistake. I am protesting the way companies such as this play with people's lives and jerk them around. I don't know if it is incompetence or dishonesty, but whatever it is, it is out of control.

I filed a complaint with the FTC because Citi and its representatives cannot be trusted.

These are some of the most incompetent people I have ever dealt with. I have had my car loan with them for several years. I had it set up where my payment was automatically subtracted from my account every monthy. Before that I paid online or on the phone. I recently purchased a new car so I wanted to pay off my old car and get the title so I could sell it. Why would a company allow you to make payments online and on the phone but not pay it off that way?That makes no sense. In order to make the process easier I called them 3 times to get the EXACT payoff amount. I went and got a cashiers check and sent it in. I checked the account a week later and it said I still owed money. When I called them they quoted me an earlier payoff that was $80 more...though online it said $40.92 more. They apologized for the bad info. AGAIN, they couldn't take this amount over the phone or online. So I had to take time out of my work day and I sent the $40.92 through Western Union. So now it is paid off but I have to wait 5 days so they can send the title. The people barely speak English, they have been rude and uncooperative and a simple task like paying off a loan has been a nightmare. Just stay away from this company. They will make things alot harder than they are.

I have had a car note with Citifinancial Auto since November of 2007. In that short time a lot has happened. I ended up losing about 1/3 of my income. My boyfriend lost his job and I've been staying on top of everything...rent, car, utilities...everything is being paid by me and my job where I make less than $2k /month. I have never been with a company that treated me more like a criminal than a customer. Citifinancial Auto consistently is rude, mean and harrasses me on a daily, sometimes 5 times daily basis. I have not gotten more than 30 days behind on my payment which I think is pretty good considering, but Citifinancial Auto has to let me know on a daily basis what a loser I am. They call all the way up until 8:59pm. If I would have known this is the way they handled business, I would have never even bought this car. I feel like I am a pretty responsible person and I'm doing the best I can, but Citifinancial Auto wants to make sure they try to brow beat me into paying them. They tell me that because I'm late that I'm on their "dialer" which automatically dials me three to six times a day. Even if I answer and explain the situation and give the actual date that I will be giving them more money, they still harrass me EVERY DAY! Their employees are, for the most part, RUDE, MEAN, NASTY. They yell at their customers...I actually had one guys tell me to "Please SHUT UP". I have spoken with two people there who were nice and respectful, but that's it. This is by far the worst company I have ever had the misfortune of dealing with. Save yourself the trouble and go ANYWHERE but CITIFINANCIAL AUTO. THEY ARE THE WORST. If this is how they treat somebody that is only one month behind...I wonder what it's like for people who are way behind.