I have had many problems with Citifinancial Retail Services. My first problem started a couple of months ago, when I would receive a bill with a $34.00 late charge on it even though I had sent the payment with plenty of time. I started to notice that it would take a couple of weeks after I wrote the check before it would clear.
Then a couple of weeks later I received a letter stating that I was mailing the payment to the wrong address and that this was why I was receiving late charges. Funny how I could be sending it to the wrong address when I was sending the bill with the payment in the envelope that they provided.
The next month I sent the payoff for my bill and it was supposedly lost in the mail, and I started receiving phone calls daily accusing me of failure to pay. I kept telling these people that I mailed this amount on this day. Then I received another bill with late charges and back interest because I had done the six months same as cash for two separate accounts, one coming due in June and the other in August. (I mailed the total for both accounts at the beginning of June, before the first one was due.)
So I put a stop payment on the first check, and I mailed out another one with the late charge because I just wanted to be done with this company. I also attached a letter stating I wanted this account closed and asking someone to send me a letter stating that it was paid in full and closed.
The second check amazingly cleared 5 days after I mailed it, and I finally received a letter in the mail stating that I had a zero balance and the account was closed. But the next day I received another bill in the mail, this time for back-billed interest on the account in August and for finance charges on the other account paid off in June. I was outraged because these accounts had been paid on time. The August one was to be paid until the 18th and it was posted to the account on July 15th according to the bill, but once I went back through my past bills I noticed there was a change in due dates: they had changed the due date on my second account from Aug 18th to July 5th.
So now it looks as though I paid it off late and am supposed to pay for the interest. I have a dispute filed on this right now, and we will see if it gets resolved. I have told everyone I have spoken to in this office that I will not pay this and that I am not happy with the way they practice their business. I have also told them that I feel they should refund my late fees to me, but I just got the run around.
I would not recommend that anyone use this company for any financial needs. They are con artists at the highest level.
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