- Report: #958465
Report - Rebuttal - Arbitrate
Complaint Review: CitiFinancial
CitiFinancial1047 South Airport Road Traverse City, Michigan United States of America
CitiFinancial One Main Financial Deceptive Practices and Undisclosed Terms Traverse City, Michigan
*Consumer Comment: Isn't It Interesting?
*Consumer Comment: Rights
*Consumer Comment: bobby from irvine just won't give up
*Consumer Comment: Impossible
*Consumer Comment: yes robert from irvine
*Author of original report: Missing Info?
*Consumer Comment: Missing information
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After around 48 months they offered me an opportunity to lower my interest rate. I accepted. I'm not sure at this time if that actually happened. Recently I tried to determine my loan balance online and realized that my loan, which was nearly paid off was now nearly the same as it was seven years ago.
That's right - 7 years. They restarted my loan after four years and made it a new seven year loan. I had no idea. Still paying 25.01% interest. My balance on a $10,000 loan is now around $7,800.
Their other ploy is to contact you to ask if you would like to skip a payment at Christmas. This is not an actual courtesy offer. They submit a credit application and require you to requalify - so...another credit request on your credit report. I pointed this out to them the last time they asked and they apologized. I reported this to the BBB and received an apology, but was told that I would have to contact the credit bureaus myself to have the inquiry removed.
I don't know how I got scammed other than the representative not explaining the terms and/or misrepresenting them.
This report was posted on Ripoff Report on 10/22/2012 04:19 PM and is a permanent record located here: http://www.ripoffreport.com/r/CitiFinancial/Traverse-City-Michigan-49686/CitiFinancial-One-Main-Financial-Deceptive-Practices-and-Undisclosed-Terms-Traverse-City-958465. 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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