• Report: #527296

Complaint Review: CITIFINANCIAL AUTO

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  • Submitted: Sun, November 22, 2009
  • Updated: Sat, January 02, 2010

  • Reported By: sherylynn — sierra vista Arizona United States of America
CITIFINANCIAL AUTO
pobox9575 coppell, Texas United States of America

CITIFINANCIAL AUTO took my car even though i wasnt behind coppell, Texas

*Consumer Comment: bailout

*General Comment: ATTORNEY

*Author of original report: my report continued

*General Comment: ATTORNEY

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ok here goes  a long story. first of all i am a disabled veteran with a 100% disabvlity and i have my car financed through citifinanacial auto. I had excellant 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 thrusday november 18,2009 at 820. a.m.to find out about my account and to see what my balance was. After being transferred many times i finally got to take 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 ridicuolous 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 repoed. I told her that that wasnt right. I was very upset and told her that if she wanted money that i only get paid once a month every month on the 1st . beign a disabled vet that is when the government pays me. well she was ver snotty. and i asked to speak to her supervisor. she hung up on me.\


well i called immedialty 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 dept. 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 banks statements going all the way back to last january 2009.  i gave her the dates, my payments was sent in, and she said that they either got them or they didnt. i was very frustrated for the money was taken out of my bank and sent to them, and i have copies of my checks.  So i asked her what can 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 undderstood for she is ex mililtary. she told me that i could make a 158.00 payment on November 25, 2009, and then another 743.00 on the december 1, 2009 and that she would give me a 2months deferreal so that citifinancial and my bank could get this all worked out.  that i would be back on track as she said.  even though i know i am not behind.


she told me what my pay off date was and she would slowly over my account and she said that she would work with me on trying to find the missing payments which is their fault.


well i thought everything was good until yesterday Saturday November 22,2009. at 12.05 pm i just happened to take my dog outside and there sat a tow truck backed up tot the back of my car. i asked him what was going on. and he said that he got a repo order on friday november 21,2009 to pick up my car. i kind of yelled at him and told him that i was assaured on thrusday that everything was ok. he just said that he didnt 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 pissed off. i called citifinancial auto but of couse they are closed on the weekends. and i cant 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 read these 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 to they expect me to get around and to my doctors appointments without my car. i want them to return my car immmedialty and fix what they have broken. i know my car is damaged now... they need to 0pay for it and they need to fix my credit report it is all their fault. They have made me so angry that with my disabliity i though i was going to have a heartattack. i had the 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


This report was posted on Ripoff Report on 11/22/2009 06:12 PM and is a permanent record located here: http://www.ripoffreport.com/r/CITIFINANCIAL-AUTO/coppell-Texas-75019/CITIFINANCIAL-AUTO-took-my-car-even-though-i-wasnt-behind-coppell-Texas-527296. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

bailout

AUTHOR: briana riche - (U.S.A.)

What does the bailout have anything to do with your loan. Do you think just because they got a bailout you should not have to pay. Guess what just like you they had to pay back the money they borrowed. GROW UP!! Also the reason he hooked up to the rear is the car is REAR WHEEL DRIVE. He must tow it with the rear wheels off the ground.
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#2 General Comment

ATTORNEY

AUTHOR: anonymous - (USA)

I see you said that you went to the bank, they should have been able to provide you with check copies. As i stated previously you should consult an attorney.

I do know if you file chapter 13 before your sale date. they would have to give your care back to you. there different repo laws in every state. they should be able to sell the car with out you being notified. But you must consult an attorney you can go to one for a free consultation and then make the decision. the individual that requested the repo is no different than you and I  just an ordinary person getting a pay check to pay bills. I personally dealt with citifinancial some years ago in 01 when I lost my job I had made 2 years of payments on time. when I could'nt pay at first they gave me a hard time. and I was like forget it come get the car. I was given an extension, then a few months later they did a re-write on my loan to make the payments less and to take longer to pay because of my income decrease. Did you make payments every month? if so get check copies. but that must not be. because they were trying to get in touch with you. did you move without telling them? they will not call you unless you are behind in payments at this point once again you should seek an attorney immediately for legal advise........GOD BLESS

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#3 Author of original report

my report continued

AUTHOR: sherylynn - (United States of America)

hello i am adding to my report. thank you for the response.  but i still havent had any luck with citifinancial.  i called my bank and they are trying to get this corrected to. put to no avail. as for them putting me in skip trace i cant understand that. they had my phone number and address and i have never received any letter stating that my account was in skip trace. nor did i receive a letter saying that they were going to repo my car.  citifinancial auto is a company that does not like to work with people. they just want the bail out money so they continue throwing their wild parties and paying their ceos millions and millions of dollars and then when they run out of money they go after the little guy.  i have had it with them. i am writing a letter to them this week stating this again. i am sure they will get tired of hearing from me. but that is the way it goes.  i sure wish someone would help me with this.. thank you
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#4 General Comment

ATTORNEY

AUTHOR: anonymous - (USA)

Please consult an attorney at once and take all of your cancelled checks with you.I don't understand how your account went to skip they only do that when there is no possible way to get in touch with you. If by some chance you are mistaken ask your attorney about filing a chapter 13 to make the payments. but you must act quickly before your sale date which will be soon. Also ask your attorney regarding repo laws in your state. Did you get a cure letter? Meaning a delfault letter stating to bring the account current or you are in default of the loan. Most companies will not even repo now because of the economy. So if you have any form of a payment they will let you keep your vehicle. I know first handedly because my lender has worked with me. So you are going to have to get busy......GOD BLESS....

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