Citifinancial Auto "skip a payment" letter, deceptive trade practices Columbus Ohio

It did get resolved, finally. The person I spoke with had contacted me through their Executive complaint office but I had to talk to the other departments to actually have it done. He had given the word to get it fixed to those departments, I guess. You're right though, they won't admit any wrongdoing. The closest I got to that was the comment that the SkipaPay program was way more successful than they had anticipated and some people fell through the cracks.

I'm keeping my eye on them and continue to document ALL contacts with them and will until my daughter's car is paid off.

talk2vam, not sure if you ever were able to verify that your differral ever went thru and was processed as promised.

After 5 different promises, my differral (Citifinancial's suggestion to correct the fact that THEY never processed my original skip-pay) was never done.

I ended up having to contact the State of Florida Attorney's General office to get any action.

As a result of the action by the Florida Attorney's General Financial Division, Citifinancial Auto finally adjusted my account, returned late fees for 3 months, and corrected my Credit File. The funny thing is, even in the letter that Citifinancial Auto sent to me (advising me of the corrections) Citifinancial Auto never admitted that they did anything wrong, even when they were provided with:
__A timeline of all phone calls made to them.
__A copy of my phone bill proving I called to do the Skip Pay.(they claimed I never called.)
__A copy of the original skip-pay letter with terms.(they claimed they never sent one to me.)

My suggestion is, if your issue is not resolved, contact your State Attorney's General office and file an online or letter complaint. It may take a while, but it seemed to help.

Good luck.

just curious, did your differal ever get processed...I've been fighting them for 6 weeks now just to do the differal they promised to do..no one calls back...its never done,, manager's ignore their voicemails....i've turned the timeline over to an attorney...so we'll see.

Update on my call back: I called back on 2-21-08 as instructed by Jeff to 1-800-486-1750 but the person I got had a very heavy accent and I couldn't understand him enough to even get his name so I gave up and decided I would try again later. I was so busy the rest of the day that I didn't call back until 2-22-08. When I called on the 22nd, I got Ann who was very cordial after an intial bump in the road. I told her what Jeff had told me but then she started to switch me back to 'collections' and I stopped her from doing that!

I had her pull up my record and she did see that the check I sent in February had been backdated to the January payment and that Jeff had processed a deferral for February, making my next payment due in March. He told me that they couldn't do the skip a pay as had been initially intended with the letter (why, I really don't understand but nevermind). Jeff had told me that the Skip a pay program was way more successful than they ever intended and they were overwhelmed and that is why people got inadvertently dropped. Well, not my problem but the way he handled it has the same effect for me in the long run.

I also asked Ann about the credit reporting and she filed a correction stating that my records needed to be corrected because of a Skip a Pay that was incorrectly processed, causing the appearance of a late payment. I'm going to follow up on that in about a month - to give it plenty of time to get processed and make it through the necessary obstacles with the credit bureaus. I will also be sure that my paper bill reflects that all is well with my account now too.

Good luck with yours! Here is Jeff's number that he gave me to call if I had problems with Customer Service ..... 1-803-835-3003.... hope he doesn't get mad that I put that here. :)

Hi, I see you and I are dealing with the same issue,and my issue continues. I have tried on 4 different occasions to get a differed payment, each time was promised that it would be routed to a manager, and each time citifinancial auto dropped the ball. The funny thing is, the "differal" was THEIR idea to correct the Skip Pay issue, but apparently they can't even get THAT right!! It would not surprise me that you find out that your differal was not processed as promised.

In the mean time, I've contacted a local attorney and they requested a copy of all of my conversations with Citifinancial Auto to date, which I provided. Perhaps I can sue them? We'll see.

Well, I did decide to send in the February payment afterall. I thought it over and decided that my end of the contract dictated that I should be sending in my payemnts and that just because they screwed up, I shouldn't screw up. I sent it via snail mail though with a note attached which I don't know if it caused the phone call or not or if it was my email to the 'executive' response line that did it. I have always paid my payments in the past through my bank's bill pay system, but since I wanted to send my nasty little note, I had to use the US mail. I also stapled it to the check - three times - just to make sure that they didn't "lose" it.

I received a call yesterday (02/19/2008) from Jeff who left a voice mail message on my service. I called back today (2-20-08). Evidently he is a manager from the collections department and he did apologize for the treatment I have received from Citifinancial. What is believed to have happened is that the Skip a Payment letter got such great response from us that they weren't prepared for it and people got dropped. Doesn't exactly make me feel better but it is at least an explanation. Anyway, he said that he can fix the problem. He processed a "defer" payment for February since we can't actually fix the Skip a payment which was processed but dropped for January. What I don't like is that I actually have to call Customer Service tomorrow to finish fixing the problem. This shouldn't be my task, but I'll do what I'm told to do. I have to call Customer Service tomorrow and have them backdate the payment I made in February to January, remove any negative credit bureau reports, and if I have any trouble out of them, I'm to call Jeff back and he will talk with one of their managers.

Good thing that Jeff called me because I was just getting ready to write up my report for BBB. I just received a letter from Citifinancial Auto showing that I am over $800 in arrears! NOT SO! I was all fired up to write this report and decided that I would call the number and ask for Jeff like the voice mail message requested. I figured at first that he was going to be just like Frank from that first call which started all this, so that is why I put off calling Jeff back until this morning. I'm glad I called. I was all set for battle.

I will say to the other gentleman on here who is having the same trouble and thinking "lawsuit" that if you need testimony, I'd still be glad to participate if for the only reason that it is the principle of the thing now. I'll see if I have any trouble with Customer Service tomorrow. If it doesn't go well, I'll be back here to tell the rest of my story. Wish me luck!

Well, I did decide to send in the February payment afterall. I thought it over and decided that my end of the contract dictated that I should be sending in my payemnts and that just because they screwed up, I shouldn't screw up. I sent it via snail mail though with a note attached which I don't know if it caused the phone call or not or if it was my email to the 'executive' response line that did it. I have always paid my payments in the past through my bank's bill pay system, but since I wanted to send my nasty little note, I had to use the US mail. I also stapled it to the check - three times - just to make sure that they didn't "lose" it.

I received a call yesterday (02/19/2008) from Jeff who left a voice mail message on my service. I called back today (2-20-08). Evidently he is a manager from the collections department and he did apologize for the treatment I have received from Citifinancial. What is believed to have happened is that the Skip a Payment letter got such great response from us that they weren't prepared for it and people got dropped. Doesn't exactly make me feel better but it is at least an explanation. Anyway, he said that he can fix the problem. He processed a "defer" payment for February since we can't actually fix the Skip a payment which was processed but dropped for January. What I don't like is that I actually have to call Customer Service tomorrow to finish fixing the problem. This shouldn't be my task, but I'll do what I'm told to do. I have to call Customer Service tomorrow and have them backdate the payment I made in February to January, remove any negative credit bureau reports, and if I have any trouble out of them, I'm to call Jeff back and he will talk with one of their managers.

Good thing that Jeff called me because I was just getting ready to write up my report for BBB. I just received a letter from Citifinancial Auto showing that I am over $800 in arrears! NOT SO! I was all fired up to write this report and decided that I would call the number and ask for Jeff like the voice mail message requested. I figured at first that he was going to be just like Frank from that first call which started all this, so that is why I put off calling Jeff back until this morning. I'm glad I called. I was all set for battle.

I will say to the other gentleman on here who is having the same trouble and thinking "lawsuit" that if you need testimony, I'd still be glad to participate if for the only reason that it is the principle of the thing now. I'll see if I have any trouble with Customer Service tomorrow. If it doesn't go well, I'll be back here to tell the rest of my story. Wish me luck!

Well, I did decide to send in the February payment afterall. I thought it over and decided that my end of the contract dictated that I should be sending in my payemnts and that just because they screwed up, I shouldn't screw up. I sent it via snail mail though with a note attached which I don't know if it caused the phone call or not or if it was my email to the 'executive' response line that did it. I have always paid my payments in the past through my bank's bill pay system, but since I wanted to send my nasty little note, I had to use the US mail. I also stapled it to the check - three times - just to make sure that they didn't "lose" it.

I received a call yesterday (02/19/2008) from Jeff who left a voice mail message on my service. I called back today (2-20-08). Evidently he is a manager from the collections department and he did apologize for the treatment I have received from Citifinancial. What is believed to have happened is that the Skip a Payment letter got such great response from us that they weren't prepared for it and people got dropped. Doesn't exactly make me feel better but it is at least an explanation. Anyway, he said that he can fix the problem. He processed a "defer" payment for February since we can't actually fix the Skip a payment which was processed but dropped for January. What I don't like is that I actually have to call Customer Service tomorrow to finish fixing the problem. This shouldn't be my task, but I'll do what I'm told to do. I have to call Customer Service tomorrow and have them backdate the payment I made in February to January, remove any negative credit bureau reports, and if I have any trouble out of them, I'm to call Jeff back and he will talk with one of their managers.

Good thing that Jeff called me because I was just getting ready to write up my report for BBB. I just received a letter from Citifinancial Auto showing that I am over $800 in arrears! NOT SO! I was all fired up to write this report and decided that I would call the number and ask for Jeff like the voice mail message requested. I figured at first that he was going to be just like Frank from that first call which started all this, so that is why I put off calling Jeff back until this morning. I'm glad I called. I was all set for battle.

I will say to the other gentleman on here who is having the same trouble and thinking "lawsuit" that if you need testimony, I'd still be glad to participate if for the only reason that it is the principle of the thing now. I'll see if I have any trouble with Customer Service tomorrow. If it doesn't go well, I'll be back here to tell the rest of my story. Wish me luck!

Well, I did decide to send in the February payment afterall. I thought it over and decided that my end of the contract dictated that I should be sending in my payemnts and that just because they screwed up, I shouldn't screw up. I sent it via snail mail though with a note attached which I don't know if it caused the phone call or not or if it was my email to the 'executive' response line that did it. I have always paid my payments in the past through my bank's bill pay system, but since I wanted to send my nasty little note, I had to use the US mail. I also stapled it to the check - three times - just to make sure that they didn't "lose" it.

I received a call yesterday (02/19/2008) from Jeff who left a voice mail message on my service. I called back today (2-20-08). Evidently he is a manager from the collections department and he did apologize for the treatment I have received from Citifinancial. What is believed to have happened is that the Skip a Payment letter got such great response from us that they weren't prepared for it and people got dropped. Doesn't exactly make me feel better but it is at least an explanation. Anyway, he said that he can fix the problem. He processed a "defer" payment for February since we can't actually fix the Skip a payment which was processed but dropped for January. What I don't like is that I actually have to call Customer Service tomorrow to finish fixing the problem. This shouldn't be my task, but I'll do what I'm told to do. I have to call Customer Service tomorrow and have them backdate the payment I made in February to January, remove any negative credit bureau reports, and if I have any trouble out of them, I'm to call Jeff back and he will talk with one of their managers.

Good thing that Jeff called me because I was just getting ready to write up my report for BBB. I just received a letter from Citifinancial Auto showing that I am over $800 in arrears! NOT SO! I was all fired up to write this report and decided that I would call the number and ask for Jeff like the voice mail message requested. I figured at first that he was going to be just like Frank from that first call which started all this, so that is why I put off calling Jeff back until this morning. I'm glad I called. I was all set for battle.

I will say to the other gentleman on here who is having the same trouble and thinking "lawsuit" that if you need testimony, I'd still be glad to participate if for the only reason that it is the principle of the thing now. I'll see if I have any trouble with Customer Service tomorrow. If it doesn't go well, I'll be back here to tell the rest of my story. Wish me luck!

All I can say is, I wish you luck. I'm going thru exactly the same thing (based on my phoned in and documented response to the same "Skip a Payment" letter you received in December.)

Citifinancial Auto is, by far , the worst, most inept, obtuse, non-customer service oriented organization I have ever had the displeasure of dealing with. It amazes me that they refuse to own the fact that it was THEY who have dropped the ball and made the error here.

I guarantee you that we are not the only Citifinancial Auto customers going through this. I wish there was an attorney brave enough to take them on. We would definitely win.

Good luck to you!!