Here goes a long story. First of all, I am a disabled veteran with a 100% disability, and I have my car financed through Citifinancial Auto. I had excellent credit before I bought this car, and now my credit is ruined. I make my payments every month and am never late.
I called Citifinancial Auto on Thursday, November 18, at 8:20 A.M. to find out about my account and to see what my balance was. After being transferred many times, I finally got to talk to someone by the name of Lisa in the skip trace department. She told me that my account was 2 months behind, and I told her that was ridiculous, that my bank does a bill pay and I also send extra money in every month. She said that I needed to pay her $528.00 right then and there or my car was in jeopardy of being repossessed. I told her that wasn't right. I was very upset and told her that if she wanted money, I only get paid once a month, every month on the 1st. Being a disabled vet, that is when the government pays me. Well, she was very snotty. I asked to speak to her supervisor, and she hung up on me.
I called immediately back, and after being transferred again, I got to talk to a Ms. Roselyn Jones, 19726539478, and she also said that she was in the skip trace department. I told her what Lisa had said, and she said that Lisa was on her team. I got my laptop, and as I was talking to her I pulled up my bank statements going all the way back to last January. I gave her the dates my payments were sent in, and she said that they either got them or they didn't. I was very frustrated, because the money was taken out of my bank and sent to them, and I have copies of my checks. So I asked her what could be done. I told her the circumstances about my finances and that I only get paid once a month from the military. She said that she understood because she is ex-military. She told me that I could make a $158.00 payment on November 25 and then another $743.00 on December 1, and that she would give me a 2-month deferral so that Citifinancial and my bank could get this all worked out, and that I would be back on track, even though I know I am not behind. She told me what my pay-off date was, and she said that she would work with me on trying to find the missing payments, which is their fault.
I thought everything was good until yesterday, Saturday, November 22. At 12:05 p.m. I just happened to take my dog outside, and there sat a tow truck backed up to the back of my car. I asked him what was going on. He said that he got a repo order on Friday, November 21, to pick up my car. I kind of yelled at him and told him that I was assured on Thursday that everything was OK. He just said that he didn't have a choice. So he towed the car to Tucson, which is over 100 miles from me. And to top it off, I have a Mustang, and what did he do? He hooked it up by the back so the front end dragged. So that will mean a lot of damage to the front end.
I am really angry. I called Citifinancial Auto, but of course they are closed on the weekends. And I can't figure out why my record was sent to the skip trace department when I am not behind.
I want to sue them, so if there is an attorney who reads this, please contact me. I am in the right. I did call my bank yesterday, and they have proof of all the payments and copies of my checks.
I am a disabled veteran, and how do they expect me to get around and to my doctor appointments without my car? I want them to return my car immediately and fix what they have broken. I know my car is damaged now... They need to pay for it, and they need to fix my credit report. It is all their fault. They have made me so angry that, with my disability, I thought I was going to have a heart attack. I had chest pains, and my son thought he was going to have to call an ambulance.
These big companies get all these millions of dollars from bailouts, and they spend all the money on their parties and their CEOs, and then they want to take money from the little people... I am so mad.
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