I bought a couch and end table from Haverty's. They had a 2-year no-interest plan through CitiFinancial Retail. The first month, they had the address wrong and I never received a bill. The guy I talked to was pretty cool and fixed it all for me. I got the bill the next two months and paid them.
Now this month the bill is due on the 12th. Looking over my checkbook, I see last month's payment to them, but I don't have the bill. I went online, but then I remembered that you cannot go online with these people to check your account unless you have a Citibank account.
I called them because I did not want to be late with a payment. This was on a Saturday, so there was no way to get the bank to process an auto-draft for Monday. I could not go online to take care of it either. They said it would cost $15 to pay by phone. When I refused to pay that, they said I had already used my one courtesy, as they had politely reversed the late fee for their wrong address. They said it was my fault I didn't get the bill. They accused me of calling with only two days before the bill was due, as if I were trying to avoid paying it. Finally I paid the fee because I had no choice. I did not want a late fee.
They refuse to put this information online! They refuse to be reasonable about my not receiving the bill. They refuse to acknowledge that I am calling them to fix the situation before it's due, and they treat me like a deadbeat.
After I was done with them, I called Haverty's. The Haverty's credit department, to a person, hates CFRS. They say that they are treated very badly by Citi. Obviously, somebody at Haverty's is getting good bribe money to stick with this outfit.
There are several really good financing firms, Alliance Data, GE Money, Chase Retail, etc., that don't treat honest customers with such disrespect.
I will not do business with any firm doing business with CitiFinancial.
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