Citifinancial Auto
Hardship Loan Adjustment Request Stalled, Calls Never Returned

I too have fallen prey to their lies! I am a disabled single mother of 2 and I lost part of my income, and back in April I asked for a hardship loan adjustment (this is to help lower the interest rate, which lowers the payment). I was told that since I had made March's payment and was current, I could apply for the hardship, and to fax them my income information. I did that. Then after several phone calls to them, I was told no decision had been 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. I made several phone calls and left messages for someone to call me back. No one ever did.

Then May came around and I finally got a call from them! The call was regarding April's car payment and when I could make it. Confused, I explained 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 had been made, and I asked for a live manager. Again I explained the amendment, and she did tell me they needed more information, an expense breakdown, so I gave her the information. (I even faxed everything to them again so my bases were covered.) While I was on that call, the manager also told me that they wanted to defer 2 payments, April's and May's, 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 situation and was told she would note it on the account so the documents would be sent overnight. Great! Finally this was all taken care of! Several days went by and no papers. Worried, I started making calls to them and no one knew anything now, so I left several voice mail messages again for supervisors (who never called me back). I spent the rest of May and all of June making calls and leaving messages.

Then July came around and they called to ask for my payment for June, which I hadn't paid 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. Once the manager got on the phone, I again went through the whole story: April - asked for a hardship loan adjustment and faxed information; May - manager finally tells me they need expense information and that she deferred 2 months of payments; June - no one will tell me anything. Now this manager proceeded to tell me that they denied my hardship request because I asked for the 2 month deferment on payments, which canceled out my hardship request, and that I can't have both. Are they serious?! First of all, I never asked them to defer the payments (they made that decision), as if my loss of income would be better in a few months! I asked for the hardship loan because my income was lower and wasn't going to go back up! Secondly, it would be really stupid of me to ask them to defer payments knowing that it would cancel out my request for the amendment, which I desperately needed! So after almost 2 hours of arguing with them on the phone, I was told that if I make June's payment, they will put in a request again for me. Then she proceeded to tell me that I probably won't get it due to the deferments and should really wait 6-7 months and try again!

Now, after 3 months of being lied to, and with them having deferred my payments without my requesting it, I am stuck. I don't want my credit messed up because of their games, so I have made June's 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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