Complaint / Review
CitiFinancial Retail Services
Sleep Train Mattress Plan Hit With $260 Finance Charge

I made a purchase of a Sleep Train mattress ($1967.28) under the one-year no-payment contract. I chose to make equal monthly payments ($200) and have it paid off before the end of the contract. I made payments until the last $367.28, when I ran into a setback. I made the final payment ($367.28) 15 past the contract date, and they slapped me with $260 in finance charges! How do we get from being a good monthly consumer to the abused?

I spoke with a supervisor who had little to no sympathy. He offered to reduce the finance charge by 15% to $219. Lol. I have since called to "double check" the final payment amount, and the automated statement still says I owe $260. Never, never, never again will I be suckered into this kind of contract (scam). Nor will I ever give my money to Citi (or Sleep Train) again! Not ever!!