Citifinancial Retail Services
Roomful Express 0% Promotion Missed by Three Days, Finance Fees

I had a 0% promotional APR for 90 days on a furniture purchase from Roomful Express, which was financed through CitiFinancial. I promptly made all payments as soon as I received the statements. My first two payments posted fine, but the last one was somehow delayed by 3 days after the promotional period had expired, and I got hit by the accrued finance charges (a balloon payment). I spoke with a representative who was a bit rude and kept saying that I broke the contract by mailing the payment after the promotional period had expired. I politely asked him to let me speak with a supervisor. She was nice enough to drop the finance charges by 40%, but refused to do anything else.

The last statement suggested that I should have allowed 10 business days for the payment to arrive before the promotional period expired. However, I received the statement on 03/13/09 and my promotional date was 03/21/09. They did not even give me a 10-day buffer to mail out my check.

Anyway, I mailed them the payoff amount today by USPS Priority Mail with signature confirmation so they stop accruing any additional charges, but I am still planning to write to their dispute department. Reading several other posts on this site shows that this is nothing unusual for them. This seems like their tactic to trap consumers.

Company: Citifinancial Retail Services
Country: USA
State: Ohio
City: Columbus

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