CitiFinancial Auto
November Auto Payment Withdrawn at Bank but Not Credited

This one is gold. To all who have accounts with Citi, please beware. We have an auto loan through CitiFinancial Auto with a monthly payment of about 350 dollars. We paid in November, and the amount was withdrawn with their name on the transaction. Two weeks ago we got a call from them saying they never received the payment.

I researched on our banking website, and sure enough, there it was: the amount for the payment and their digital information. The one funny thing was that I sent a check, and normally if I do that there is a copy of the check that I can visually see, but it wasn't there. So we called CitiAuto back, and wouldn't you know it, they can't find any record of us paying it. I told the lady I was looking at it as we spoke. Now, I understand they can't take my word for it, and that was fine, so we called our bank, and THEY faxed over the transaction information.

CitiAuto still said they never got it and could not find any record of payments. Guess what came next: threats to our credit report, additional fees, you know, the same old stuff they probably threaten everyone with. We resent the information along with a copy of the check that the bank had. My wife talked to a girl who got into an argument with her own people, saying that we had made the payment, and they still said that wasn't going to suffice! The girl we spoke to couldn't believe it either, and she works there! I know I am in the right, so we continued to cooperate, but we are starting to get annoyed with them pretty much calling us liars, so we contacted our bank yet again.

It turns out that every transaction made is assigned a code, and along with that code is the code of the financial institution withdrawing money. We sent them that information, a copy of the check, bank records, and a less than tactful note telling them that the next time they call, they had better be more than well prepared to argue with us if they can't figure this thing out, because I am through being nice.

Company: CitiFinancial Auto
Country: USA
Site: citifinancialauto.com

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