Account No. 4711605, Pamela J Baird, 2003 Honda Civic

I have corresponded with you on several occasions and I seem to be getting nowhere. My patience has grown thin and I have now consulted an attorney. Let me take a moment to explain my problem, which for the most part you inherited from CitiFinancial.

1. In December 2009, I requested from CitiFinancial an interest payment for the month. I was given a figure and it was mailed in.
2. In January, 2010, CitiFinancial said they had NO record of it and they said to send another payment which I did.
3. In February 2010 I sent a regular payment.
4. In March 2010, I phoned again and said I wanted to send three payments and asked if I needed to send three different checks or one check with a notation. I was ASSURED one check would be just fine. You will not in my account there was a payment of 337.50 x 3 – 1012.50. This would pay March, April and May 2010.
5. In April 2010, I was phoned and harassed about a late payment. I explained to some idiot who floated into the United States on a wooden door and they assured me…I was not late and it would fixed.
6. In May 2010, I was phoned again and harassed about a late payment. Again, I was assured it was fixed.
7. In June I sent a payment (noted on the bottom of the check “June payment”.
8. In July I sent a payment (done over the phone noting again “July payment.
9. In August I sent a payment noting on the bottom of the check “August payment.”
10. In September I sent a payment noting on the bottom of the check “September payment.”

 
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Today, at work another blithering idiot phoned me and said I was $650 past due. I am NOT past due and I have NO idea how you are applying payments. I should have NO LATE FEES WHATSOEVER on my account. It was ENTIRELY your FAULT that this has happened. You have unskilled, uneducated, aggressive third world employees who cannot understand basic math or English. They will cost your company the balance of my loan if you do not address this problem quickly. I have applied for other loans and now I’m thrust into large interest fees due to your – CitiFinancial – screw ups.

In case I need to remind you…you have cashed EACH check with the notation at the bottom of the check and it should have been applied as such. Ask an attorney!

My patience is at the end, and I am seeking legal relief from this entire loan. You do NOT have a leg to stand on in this case and I’m tired of requesting your ignorant employees for assistance.