• Report: #480319

Complaint Review: CitiFinancial- Citibank-Citigroup

  • Submitted: Sat, August 15, 2009
  • Updated: Tue, February 16, 2010

  • Reported By: Glenda Skinner — Belleville Illinois USA
CitiFinancial- Citibank-Citigroup
Throughout Illinois Belleville, Ofallon, Illinois United States of America

CitiFinancial- Citibank-Citigroup Citibank Purchased a vehicle from Auffenberg dealership. Citifinancial financed it for $5,000. over blue book. I tried to trade it in for a more reliable car at same dealership was told I owe $5,000. over b Belleville, Illinois

*Consumer Comment: *AUTOMOBILE ALERT! Make sure to go to the TOYOTA page of this site and....

*Consumer Suggestion: Learn to Haggle the HAGGLERS

*Consumer Comment: 2nd ALERT!! Go to the NISSAN page of this site & read....

*Consumer Comment: CONSUMER ALERT!!! Watch how loan documents are altered by 'Googling' this- CAR SALES: TRICKS OF THE TRADE- CONSUMER ALERT, and watching that secret video...

* : MAYBE YOUR LOAN DOCUMENTS WERE ALTERED WITHOUT YOUR KNOWLEDGE. 'Google' this- AUTO DEALER LOUIS F HARRELSON TO PLEAD GUILTY, and read it.

* : Recourse? Thats funny

* : So..

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About a year and a half ago I purchased a 2001 Chevy S10 from auffenberg auto dealership for my daughter.

I was told it was a very reliable vehicle but have had to put lots of money into it. 

After doing repairs I recently took the vehicle back to the same dealership where I originally purchased it and was told "you owe $5,000.00 over blue book for your vehicle and unless you can come up with that amount Auffenberg will not be able to do the trade. 

I then stated to the auffenberg salesman "so what you are telling me is that your dealership sold me a vehicle for $5,000. over the blue book value and that citifinancial was ok with financing for that much over blue book. 

The salesman stated "yes".

If anyone knows of any recourse for this please let me know.

My college student daughter is now stuck with an unreliable vehicle because I was ripped off by both Auffenberg dealership and citifinancial bank. 

This report was posted on Ripoff Report on 08/15/2009 08:12 AM and is a permanent record located here: http://www.ripoffreport.com/r/CitiFinancial-Citibank-Citigroup/Belleville-Ofallon-Illinois-/CitiFinancial-Citibank-Citigroup-Citibank-Purchased-a-vehicle-from-Auffenberg-dealership-480319. 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:
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Updates & Rebuttals

#1 Consumer Comment

*AUTOMOBILE ALERT! Make sure to go to the TOYOTA page of this site and....

AUTHOR: Karl - (USA)

read all of the Ripoff Reports and the Updates before you purchase a Toyota or a Lexus vehicle, okay?

Thank You
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#2 Consumer Suggestion

Learn to Haggle the HAGGLERS

AUTHOR: Pissed Off!! - (United States of America)

In my experience in purchasing vehicles have taught me that most dealerships ripoff customers on the daily basis.  Banks will approve 180% over what the car is worth.  The value of a vehicle goes down monthly.  There is no real way to NOT pay more than it is worth with "dealer fees" and misc, charges they add.  First you need to go in the dealership knowing what you want.  What you are willing to pay and DON'T put all your "cards" on the table.  Don't sway from your original amount no matter what they tell you.  Don't be afraid to walk away from the table. QUESTION and READ EVERY line BEFORE you sign the CONTRACT.  Check the Blue Book value of the vehicle you are wanting to purchase BEFORE you go.  Basically, educate yourself about the values of what you want and what you can afford.  Put your foot down BEFORE the deal because it takes almost an act of congress to get them to help you AFTER the fact.  They are trained to make you see the "good" in the deal and sway you with the shiny new car.  Remember a "good deal" at the present time is not necessarily a "good deal" a month from now.

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#3 Consumer Comment

2nd ALERT!! Go to the NISSAN page of this site & read....

AUTHOR: Karl - (U.S.A.)

Tanya's recent Ripoff Report. She also submitted PHOTOS of her loan documents with her report that she said were FORGED by the Nissan dealer. Go over & take a look!

P.S. Poems are available at the BANK OF AMERICA page of this site. They appear as Updates to some of the Ripoff Reports.

Thank you.
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#4 Consumer Comment

CONSUMER ALERT!!! Watch how loan documents are altered by 'Googling' this- CAR SALES: TRICKS OF THE TRADE- CONSUMER ALERT, and watching that secret video...

AUTHOR: Karl - (U.S.A.)

of how Tori was SCAMMED a a Car dealership. The bank that received her loan documents was SCAMMED too, right? She only made $1,000 per month, but with the stroke of a pen it was altered to $1,800 per month, correct?


WELCOME TO AMERICA- IN FRAUD WE TRUST!



P.S. Poems are available at the BANK OF AMERICA page of this site. They appear as Updates to some of the Ripoff Reports.
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#5

MAYBE YOUR LOAN DOCUMENTS WERE ALTERED WITHOUT YOUR KNOWLEDGE. 'Google' this- AUTO DEALER LOUIS F HARRELSON TO PLEAD GUILTY, and read it.

AUTHOR: Karl - (U.S.A.)

Contact the bank that has your loan and demand COPIES of EVERYTHING that the dealer sent them, including the 'CREDIT APPLICATION' that they have which has your 'monthly income', 'years of employment', 'job title', etc. There is a chance that the credit application was ALTERED, and if you can prove that it was altered, or even FORGED (check all the signatures to make sure they are all yours), then you can sue for damages because that would mean that YOU did NOT sign it, correct?

*Make the call to the bank now! What do you have to lose?

GOOD LUCK!

P.S. Go to the MERRILL LYNCH page of this site & read St. Clair's recent Rip Off Report for more PROOF of what's taking place in the mortgage business, which is very similar to the car business when it comes to filling out LOAN DOCUMENTS for the purchase of a home or a car. 
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#6

Recourse? Thats funny

AUTHOR: Hugh jass - (U.S.A.)

1. YOU signed the contract. No one held a gun to your head.
2. YOU didn't research what the car's value was.
3. YOU listened to a car salesman. That alone should be criminal stupidity.
4. YOU are at fault. Yes, you were ripped off, but only due to your own lack of research. Sorry. Think of it as an expensive lesson.
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#7

So..

AUTHOR: Robert - (U.S.A.)

The financing company has nothing to do with this.  If there is any problem it is with the dealer.  But if the dealer ripped you off you let them do it.


However, before you start claiming RipOff you need to think about a couple of things.  I don't know if you have ever bought a car or not but cars loose value.  So you will always owe more than it is worth(upside down) for about 2/3 to 3/4 of the loan term.  This is especially true if you added additional things to the loans such as Extended Warranties or Gap insurance.  Also, when ever you buy a car you need to do your own research on the car's "value" before you buy it.  This involves you checking the "Blue Book" value.

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