Citi Financial
103 Calls and Letters While on Short-Term Disability

I have repeatedly told Citi Financial to stop calling me while I was off on STD. I was up front and honest about my temporary situation, and in return I was harassed nonstop by your local office and your corporate office. Several contacts were made by both offices in the same day, which is against federal law and was plain and simple phone harassment.

I do not need to be harassed about my bill. I know my obligations. I demand that no further phone contact be made in the future, including to my employer and my husband's employer, with the exception of legal action. Our employers do not tolerate these sorts of phone calls. My husband isn't even on this loan, yet he was contacted several times on his job in an attempt to harass me into borrowing money from him to pay my bill.

We had at first considered refinancing my loan so they wouldn't continue badgering me daily demanding a payment. My husband said he wasn't going to be coerced into borrowing more money from them to make them stop calling. This was nothing less than strong-arm coercion. Not to mention they charge outrageous interest on that loan.

I paid my bill over the phone with the local office the day I got paid while on disability. I demand that all harassing phone calls and letters cease, including letters from attorney Rex Kesler, unless Citi Financial wants to file legal action. Only then do I need to be contacted.

In the meantime, I have a voice and it will be heard. I will tell anyone who will listen how I was harassed and kicked repeatedly while I was down. I am around debtors, defendants, patients, and future borrowers every day. I hate to think what tactics are being used on people who lost their jobs permanently and didn't purchase that worthless insurance Citi Financial sells. All my other creditors are reputable organizations with the unemployment insurance they sell, and it does just that: if you are off work on STD, LTD, etc., the insurance pays your monthly note.

I was an excellent paying customer for a year, then at month 13 I became the target of a harassment campaign because I couldn't give a definite date of when I would make my payment. I made the human mistake of being off work on short-term disability and not bowing down to big bad Citi Financial and their lawless collection tactics. My loan was one month late, and during that time frame I had 2 letters sent to me from the local office, one overnight letter, and a letter from an attorney threatening "self help" of the collateral involved.

Then there were a total of 103 phone calls from the local office and the corporate office. Citi Financial had called me on my job months prior, telling me I had qualified to borrow more money and that if I borrowed more money, they would lower my interest rate. Like an idiot, I fell for their trickery.

Thanks to Citi Financial's reckless disregard for state and federal laws, I have had to buy a new battery for my phone. I have also had to take off work longer than originally anticipated because of the stress brought on by the harassment. My other creditors are reputable, law-abiding organizations. I have already successfully diverted two new customers who were solicited by mail from Citi Financial by telling them my experience. I also advised them to read the complaints about the company on the internet. Apparently the lawless collection tactics are notoriously known by doing searches. I started not to even pay when I got paid, just on principle.

Those aggressive loan sharks should think before they pick up the phone again to badger someone. I will never again bother telling them anything. If my bill is late, it is late. It is my credit score, and I pay their outrageous fees, for now. My priority for now is being a former customer of Citi Financial. Their reckless abandon of the laws is outrageous, aggressive, and over the top ridiculous.

Company: Citi Financial
Country: USA
State: Texas
City: Lewisville
Address: 1305 S State Hwy 121
Phone: 2142224059

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