Citifinancial Retail Services
$39 Late Fee Charged Early Due to Saturday Closure

This company uses fraudulent tactics to collect extra fees. Below is a list of things they have done to my account.

1) They charged a late fee one day early. My payment was due August 18th, which was a Saturday. They charged me a $39 late fee on August 17th. Their reasoning was that they were closed on Saturday the 18th. Meanwhile, my payment was posted on the next business day, Monday, August 20th.

2) They encourage you to pay your bill using your bank's online bill pay. However, they fail to tell you that the payment date changes every month. I signed up to pay my bill on the 16th every month, and they receive payment on the 18th. My original bill's due date was the 21st. No problem, I thought. Little did I know that the due date in some months was changed to the 17th. I got stuck with a few $39 late fees because of this practice.

Now I know that the "interest free for four years" offer is a fraud. They make a lot more by using these tactics: a $39 late fee plus a minimum $1.50 finance charge.

This is from a customer who pays every month.

Company: Citifinancial Retail Services
Country: USA
State: Ohio
City: Columbus
Address: PO Box 183401
Phone: 8886226443

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