• Report: #418477

Complaint Review: CitiFinancial Retail Services

  • Submitted: Sat, January 31, 2009
  • Updated: Sat, January 02, 2010

  • Reported By:Fremont California
CitiFinancial Retail Services
PO Box 6933 The Lakes, Nevada U.S.A.

CitiFinancial Retail Services No Sympathy for Good Credit The Lakes Nevada

*Consumer Comment: Read the contract!!

*Consumer Comment: Not a scam or ripoff

*Consumer Comment: Don't feel bad

*Consumer Comment: How were you even remotely abused?

*Consumer Comment: Acrrued Interest..

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I made purchase of Sleep Train mattress ($1967.28) under the 1 yr no payment contract. I chose to make equal monthly payments ($200) and have it paid off before end of contract. Payments made until the last $367.28 when ran into set back. Made 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 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 is saying I still 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!!

Lisa from NoCal
Fremont, California

This report was posted on Ripoff Report on 01/31/2009 08:33 AM and is a permanent record located here: http://www.ripoffreport.com/r/CitiFinancial-Retail-Services/The-Lakes-Nevada-88901-6933/CitiFinancial-Retail-Services-No-Sympathy-for-Good-Credit-The-Lakes-Nevada-418477. 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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#1 Consumer Comment

Read the contract!!

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

You were NOT scammed. You failed to complete the contract and they charged you as so. You did not pay it off within the year as you said you were 15 days late. So because they did as they said in the contract you are going to complain?? Grow up, and pay your bills ontime. This is how all the no interest loans work that you see. If you do not pay in the required time you must pay all accured interest as everybody else.
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#2 Consumer Comment

Not a scam or ripoff

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

The terms are quite clear. If you didn't like the terms you should have selected a different financing option.
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#3 Consumer Comment

Don't feel bad

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

Don't feel bad that these crooks want give you another loan, you are better of without these crooks. All they do Is screw people & ruin them. After they screw people they don't give out loans anyway.

Well who needs them ignore the above poster, he says we rip off these companies.

This Is how he treats people like us on this site, he says we just sit & pick out a company & just slander them.

Yeah like we would just sit here writing complaints for our health, funny. He Is full of crap.

Well business owners don't like being reported on here for how they treat us wrong.

Citifinancial auto are crooks, they screw you over.
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#4 Consumer Comment

How were you even remotely abused?

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

Seriously, you KNEW that if you were not paid by the final date, you were going to have to pay the interest. That's the way it works and why you were sending in so much to get it paid before then. YOU WERE ADMITTEDLY 15 DAYS LATE.
They even offered you a discounted rate and you balked at it. Talk about being ungrateful for your own ignorance. And what makes you so positive they'd ever want to do business with YOU again?
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#5 Consumer Comment

Acrrued Interest..

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

This is not a RipOff, you didn't meet the terms of the contract. During this entire 0% promotion they are accruing the interest on the unpaid balance. Where if you pay it off in the terms they forgive the accrued interest. One of those terms is that you must make at least the minimum payment required on-time every month. If you fail, and you did by paying 15 days late, the special offer ends and you are then assessed the accrued interest.

It was in the terms that you agreed to when you opened the card. If you didn't think it was fair you shouldn't have gotten the card in the first place.
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