I have been fighting with Citifinancial for several months now. I am so completely frustrated with them! Help! I purchased a night stand from Wickes in 2005 on a no payments/no interest plan until January 2006. Later I went back to Wickes to purchase an armoire, on a no payments/no interest plan until January 2007. I had purchased my other bedroom furniture from Wickes earlier and had no problems, but they were not using Citibank at that time. It was Household Financial.
When January 2006 came along, I called in and verified that my payment would soon be due, and I was told to mail in my payment for the expiring promo. I mailed in the full amount and everything was fine. Then January 2007 came rolling along. I had received no information from Wickes whatsoever, but I knew my payment was due. I tried calling the service number on the back of my Wickes card, and it was out of service. I even went into Wickes to make my payment. They refused and gave me another number to try. I was transferred and passed along from one 800 number to the next. Finally, when I got frustrated enough, I was informed why no one was able to help me. Citifinancial had sent my account to collections.
When I made my January 2006 payment, they applied it to the wrong promo, even after I spoke with "their people" over the phone. This voided out the January 2007 promo, and I was apparently accruing late charges, interest charges, who knows what else they got me for. Not to mention my credit was shot. I never received any notice.
I have written letters, faxed letters, and called every number given to me many, many times. I have collection agencies calling. The ironic thing is, I received a letter from Citifinancial stating they were crediting the account and would remove the charges from the credit reporting agencies. Yet I am still getting harassed by collection agencies, who say that although Citifinancial is telling me one thing, they are telling the collection agencies to close out these accounts for good. My credit is shot due to them.
Not only did they send me to collections once, but because they applied my payment to the wrong account, they sent me to collections twice for the second promo. And this was all their fault. I made my payments on time and am now so irritated. I would just like some help with this situation. I want this off my credit and my score back to where it was before Citifinancial ever came along!
One more bit of irony: on the way home from work yesterday, I got another call from the collection agency, a different woman this time. I tried to explain the situation, but I was irritated to no end. I told her I would fax over all the info the next morning, and I did. Then I checked the mail when I got home and a statement/bill from Citifinancial showing a $0 balance on my account. This company is insane!
If anyone has any suggestions, please let me know. I would appreciate it greatly!
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