Complaint Review: CITIFINANCIAL AUTO

Here is the email I finally had to send to the dispute department because I had talked to so many different representatives and no one would return my phone calls. But I did receive one call to ask me when my pmt would be made because I was LATE! Do they not read the notes in a customers account? I incurred close to $250.00 in NSF Fees, 3/4 of my disablity check was taken to cover those fees, bounced I don't know how many checks because of this which I have to clear up, etc. if anyone has any suggestions let me know. They said they sent a wire transfer of only $75.00 to cover 3 of I don't know how many NSF Fees they created by taking an unathorized payment 4 TIMES! They offered to also just defer the November pmt only. PLS READ BELOW:

From: Mary
Sent: Thursday, December 07, 2006 7:13 AM
To: '
Subject: FW: LACK OF COMMUNICATION LEADS TO FINANCIAL MESS
Importance: High

To Whom It May Concern:

I am emailing this in regards to my account which I make the payments on. On October 23, 2006 I had called to confirm my payments for October 27, 2006 and to change the date of a payment from November 10, 2006 to November 24, 2006. On November 14, 2006 I had checked my account as I do everyday since I had my ID/checking account information stolen once before. I saw that Citifinancial had tried to take out the payment I had changed and not authorized which created NSF charges to my checking account. This basically started a domino effect as I had other checks coming in and those went unpaid and created more NSF fees.

I contacted accounting and was given the name ANDREW as my contact and told to fax my bank statement to 1-866-425-6637. I had spoken w/someone from extension 71795 from the customer service line. This fax number was not good and kept coming back as unanswered so I faxed my documents to the customer service fax 1-888-249-5595 and even sent emails (please scroll below). As you can tell, my other creditors have to wait on me to get this resolved and since it has been almost a month since this started my checking account is in total arrays.

I have been calling Dana Jones, whom I finally found out was handling this issue, and was able to talk to her on December 1, 2006. She was finally able to find my faxes and stated she would take this to her supervisors about a refund and a deferment on my November since I accrued $152.00 in NSF fees plus my checks did not get paid nor did any bills since my disability check had to cover the $152.00 which left me with just $65.00.

During all the conversations to accounting I kept telling them the payment on November 24, 2006 would not go through because of all the NSF charges and making my paychecks short which of course made my account go deeper into the negative. Dana Jones stated she would call me back on December 04, 2006, and if I did not hear from her to call her instead.

I have been trying to call since Monday December 04, 2006, left numerous messages with no response. Meanwhile automated payments went unpaid yet again. Also, Dana Jones stated that since I did not stop the payment, they were not responsible for those fees. I kept telling everyone I talked to that the payment would not go through because of everything going on but the payment was not stopped.

The lack of communication has caused a lot of financial stress which could have been avoided if I had not been routed to so many different people who just took notes of my situation. I do have to say a couple of the representatives did their job correctly which finally got me in touch with Dana Jones. I should not have had to call or fax so many times to get this issue resolved or have my checking account in such a mess and left to clean it up.

It amazes me that even after 3 weeks this issue has not been resolved and I am even deeper in debt but when my payment was returned yesterday I had received a call the same day to find out when I would make the November payment. Inocencia Tucker, my mother, is at the point that Citifinancial just needs to come pick up the car and be finished with it.

I do have to say that the level of customer service for handling financial problems is very unsatisfactory and no one seems to mind the mess the customer may get into but when a payment is missed the company is very fast in making those calls to get it fixed.

Again, I would appreciate ANY HELP in getting this matter resolved. I feel all NSF fees need to be refunded since citifinancial took it time in all this and the situation is still not resolved and that my November and December payment be deferred if I am not refunded all the fees so I can pay all the fees and returned checks and make my bills current. You can contact me at the below number until 3:30 pm today

Mary
augusta, Georgia
U.S.A.

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