Citifinancial Auto
Denied Amendment

I too have fallen pray to their lies! I am a disabled single mother of 2 and I lost part of my income and asked back in April for a Hard Ship loan adjustment (this is to help lower the interest rate which lowers the payment). I was told that since I made March's payment and was current then I could apply for the hard ship and to fax them my income information, did that. Then after several phone calls to them, I was told no decision was made yet and that I MUST have a fax number for them to send me the documents to sign, once approved. I explained that I only have the local library to fax from and that they will not take incoming faxes, so if they would overnight me the papers I would fax them back that day and I would also send the originals overnight to them as well, all at my expense. Made several phone calls and left messages for someone to call me back, no one ever did. Well then May came around and I finally got a call from them! The call was regarding Aprils car payment and when can I made it? Confused, I explain about the amendment and that I had left messages and hadn't heard anything so maybe they could tell me something. Again I was told no decision made yet and I asked for a live manager! Again I explained the amendment and she did tell me they needed more information, an expense break down, so I gave her the information. (I even faxed everything to them again so my bases where covered.) Now while I was on that call the manager also told me that they wanted to defer 2 payments, Aprils & Mays, so my loan would still show current while they were making their decision. I waited a few days and called them again for their decision. Again they told me I MUST have a fax number for the documents to be sent for me to sign and again I explained the whole fax thing and was told she would note it on the account so the documents would be sent overnight. Great! Finally this is all taken care of! Several days went by and no papers. Worried, I start making calls to them and no one knows anything now, so I left several voice mail messages again for supervisors (who never call me back). I spent the rest of May and all of June making calls and leaving messages. Well then July comes around and they called to ask for my payment for June, which I didn't pay yet and was a few days late so they would have to call me. After I explained the past few months to the man on the phone, I asked to speak to a manager. Now once the manager got on the phone I again went through the whole story: April - asked for a hard ship loan adjustment & faxed information; May - manager finally tells me they need expense information & that she deferred 2mths in payments; June - no one will tell me anything. Now this manager processed to tell me that they denied my hard ship request because I asked for the 2mth deferment on payments, it canceled out my hard ship request; I can't have both. ARE THEY SERIOUS!!! First of all I Never asked them to defer the payments (they made that decision), like my lost of income would be better in a few months! I asked for the hard ship loan because my income was lower and wasn't going to go back up! Secondly, that would be really stupid of me to ask them to defer payments knowing that it would cancel out my request for the amendment, what I desperately needed!!! So after almost 2hrs of arguing with them on the phone, I am told that if I make Junes payment and they will put in a request again for me. Then she processed to tell me that I probably wont get it due to the deferments and should really wait 6-7mths and try again!

Now, after 3mths of being lied to and they deferred my payments without my requesting it, I am screwed! I don't want my credit messed up because of their games, so I have made Junes payment and will have to figure out from here how to make future high payments. I will however NEVER do business with them again, NEVER recommend them again, and I will NEVER let this matter come to an end! I will contact whoever I need to regarding this matter and their very poor business practices!!!

Company: Citifinancial Auto
Country: USA

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