The last payment on my truck loan posted to my account on January 7, which left my truck paid off with a perfect on-time payment record for the life of the account. Since then, Citifinancial Auto has had me in collections, has had collectors calling me, and has refused to let me talk to anyone in the payment research area.
I have faxed a copy of the final check to them three times. They say it is illegible and refuse to let me read off the information so they can research it. Their tone of voice is snippy and condescending, and their directions always imply that I have done something wrong. "I didn't send it by the right fax machine, I need to go to Kinkos." When I typed the account number on the cover letter, the same cover letter that has the recipient's name, I was told that the type was too small to read and that I needed to write it in 1" high letters.
The real kicker is that I was making electronic payments with no problems, and Citifinancial Auto decided for me that the last payment had to be by check. It appears to me that they do not know how to process checks or research posting problems. They certainly do not know how to have a discussion without insulting the customer. I have paid almost $10,000 in interest to this company. When I reminded them of that, I was told I needed to "be quiet and listen to what they were telling me to do."
They have reported a negative to my credit bureau in error, and they are refusing to give me a workable option for correcting it. For the last three Saturdays, I have been told every Saturday that I need to fax in a copy of the payment. I have done that each time, from a different fax machine.
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