I made the mistake of financing my car through these monsters. Yes, I did fall behind on my payments, running on average a month behind, due to illness and other unforeseen incidents.
My husband contacted them to make July's payment on August 31st. They took that one from the bank, fine, we authorized it. Then they took it upon themselves to take another unauthorized payment from my bank on Sept. 5. I contacted Citi Financial, which was another mistake. I am still waiting for Mrs. Banks to call back. Carrie, a CSR, told me that Mrs. Banks would be calling me back last Saturday, and I was number 3 in the call back line.
I then finally spoke to someone higher up, named Chris. I told him that I had been hung up on and that I was trying to get my husband ready for a 10 week business trip. When he asked me a question I could not answer, I called for my husband to come upstairs to ask him the question. Chris began to laugh and said, "I thought your husband is gone on his trip... Man, what are you trying to pull?" I reminded him that I was taking him to Toledo to catch a midnight train. And that due to their taking of our funds, my husband was leaving with $60 in his pocket and we were hit with $64 in overdraft charges. He also rudely reminded me that they will be taking another payment on 9-19. Unauthorized again!!! Chase bank will not let me do a stop payment since these crooks are one of our creditors. Maybe I should just close the bank account to stop it.
The strangest part is how blind management pretends to be. Just about every CSR I spoke with saw this was an unauthorized payment, but management could not see it. I spoke to one CSR named Tim Skill, who clearly stated that it shows "right here" that the authorization that was previously set up was cancelled and therefore should not have come out of our account.
If I could afford 2 car payments a week, then why would I have financed it? I guess I am the only intelligent one between them and me who can answer that.
My best advice: run, do not walk, away from this mini mafia. I have really considered dropping my car off at the Citi Financial branch around the corner (which cannot accept payments) with a big note on the back window that says "return to the crooks, citi financial and thanks for stealing our money at your will."
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