I called Citifinance to let them know that I would be late with my payment and found out that the promise I received early December 2009 to defer or waive a payment was not done. I was told that if I make a payment in the amount of $415 that I would be up to date after the deferrment went through. So, I am making payments thinking I am on time. Still thinking that I was only 1 payment in the hole when end of June came and I couldn't make the payment by the 25th I called them only to find out that I am due for May and June. It took several calls before getting someone to tell me that the deferment must not have happened. I received no notification that I was still due for 2 payments nor did I receive anything telling me that the deferment was rejected (which gives me the impression that they didn't give the deferment because they want more money--late fees, interest). I have never despised a company as much as I do Citifinance. In my opinion they are a predatory lender, leading to those that really didn't have the finances to support payments if something were to occur. While I feel that I do and have been paying them ok up until retirement, I am treated as a bad person. The people have attitudes that are consistent with the beliefs of Citifinance, treat people badly unless they are on time. I found 1 man who helped me but ended up having to call back several times. Suffice it to say, I am still considered past due 2 payments but will catch them up myself and never ask them to help me again when things are rough. They don't care about me or any other customer unless the customer is on time.

i have a personal loan through citifinancial. when i got this loan in august 2008, i added on the 'unemployment benefit', meaning if i were to lose my job, my loan would be paid for me after 31 days of unemployment. i made my loan payments on time in full up until october of 2009.

my husband and i had been through rolling lay offs at our jobs, and both of us had lost several hours every week at work. my loan office in york, pa offered a diffurment for five months, which i accepted as my household income had fallen drastically.

in march 2010, my husband was permanently laid off from his job, and with his unemployment benefits through the state of pa, he was making less than half of what he had been making per month. in addition, i received a 5% pay decrease which was company wide at my job, and with health care cost increases, i am bringing home nearly 200 less a month than i was a year ago.

in march 2010, i was under the impression that i was still covered in the five month payment diffurment. i was wrong. at the beginning of april 2010, i was contacted by my local loan office saying that i still owed 135 for my march payment. with my husband being unemployed, and barely making enough to pay our electric bill, i did not have the money.

in may 2010, i had been unable to make a payment for april or may. i talked to the citi agent i had always dealt with. i told her of my problems and why i was 2 months behind on my payments. she seemed sympathetic enough and again offered me a five month payment diffurment. that day, i told her that i had moved onto third shift, and that it was not okay to call me before 4pm. she actually stated 'so things have just gone from bad to worse?' she was fully aware that i am having a horrible time and cannot do more than i have tried. she made me do an over the phone post-dated check payment to be taken on may 21st. she then told me that she would contact me to let me know if the diffurment was approved by her home office, and that she would let me know after the payment on the 21st of may went through.

i never received anything after that. no phone calls to let me know what was going on, no monthly statements, nothing! until two days ago. i know a normal person would have went to the branch and inquired, but as i stated already, i work third shift. anybody who was ever made to do this without a choice can tell you that life is harder. you spend many hours in bed trying to sleep, and when you finally do, your day is gone. i explained this to my citi agent, as i said before.

two days ago, the constable showed up with a civil complaint from citifinancial. there is a court date set for july 19. they are demanding a judgement against me for 8, 000 plus 178.50 for legal fees. citifinancial filed this suite against me on june 14th, 2010. all because i am past due 3 months (april, may, and june).

i don't know what to do. i am afraid to call. my husband tried to call yesterday while i was alseep, and they were completely rude to him, refused to talk, and yelled at him. if anybody has any advice, please e-mail me!

We have a auto loan through Citifinancial . WE are strugggling at this time to pay our loan because of health and surgery issues . We have asked for help and they don't offer . The company sends out letters stating they will help, and when you call them for help, they won't do it. You ask to talk to a manager and they ut you on hold and never come back to the phone.

You talk to one person one time and get things straight, and then the next person you talk to has no idea of what the first person did for you. The operators are rude and inconsiderate. There is to much inconsistency between operaters.

They tell you they wil help and they don't. Then to top it off, if you do pay by phone they charge 15$ for a check charge.

Citifinancial should be out of business. These people should also be charged with loan sharking..I made a payment of $273.00 which is the monthly payment and I just found out that $203.00 of it was applied to interest! In the past months I made payments totalling $1308.00 and out of this only $316.00 was applied to the actual loan! If Citifinancial comes a calling, run the other way! Don't doo business with these barbarians! You'll have you car, home, whatever held hostage until you pay off the bandits! $9000.00 interest on a $9000.00 loan!? These people need to burn in hell..They try to act like they are concerned until they steal your kidney without anesthesia!

For those of you receiving multiple calls from citifinancial - educate yourselves on the fair credit laws!

If you tell them not to telephone you at work, document that fact. They are not legally allowed to telephone you at work again once they are told to desist.

If they call your friends or relatives, ask those people to tell citifinancial not to telephone them again about your account, and they are not allowed to do so.

Credit calls/contacts must follow very specific rules. They are not allowed to telephone you repeatedly if they actually speak to you. If they do so, they are in violation and can be fired/sued/etc.

Obviously, the easist way to handle these issues is to pay the bill. Unfortunately, many people are in dire straits financially due to the economy and subsequent job losses. Don't lose hope! Don't allow yourself to be harrassed! Learn the laws for your state, and stop harrassment in its tracks!