Consumer Complaints Reviews
In 2013 my husband went to prison for 5 years, I sent papers for modification of loan and said if they would lower my interest 9.65% to a decent rate I could pay $600 a month. I am retired, lost my 26 year business and bankrupted because of my husband. They called me and said that all would be fine, they could lower and help me. Never heard anything from them for nearly a year, then only 2 calls for information. Then one day I got 14 exact copies of legal foreclosure papers stating owed $132,000 but when called CitiFinancial, they said $119,000. Then following day a woman came into my yard, handed me a exact copy of same legal papers stating $119,000 and Dec 18 auction on house.
I am a real estate attorney and title agent. I have had nothing but grief in dealing with these people. Typically a request for a loan payoff take 3-5 days, TOPS. It took 12 (yes, TWELVE) faxes to successfully get the request processed, but even that did not get me the payoff I needed (and am legally entitled to). The first 11 times were successful according to my fax machine (who uses fax machines these days?!) and after my third try, I had the rep on the phone to make 100% sure it was coming through on their end.
But, when the payoff instructions never came in, I would call back and the reps always ended up saying “We show nothing in our system that you requested this. Who did you speak with?” I’d tell them (I learned long ago to get the name and phone extension, if available, of all customer service reps) and they would put me on hold, claiming that they were calling or messaging this person (which I don’t believe), and they would say that the rep claimed to never have receive it (allegedly the same person who was on the phone with me when I made the fax and who verbally confirmed that they had it in their hand!).
When the payoff FINALLY did get sent to me, it included the cover page and the top inch or so of the second page and was 100% useless. I got so upset, I drove to a local branch (30 minutes away) and told them that I was not leaving until they got a hold of someone at the payoff office in Ft. Mill, SC, and not without the payoff information in hand. I sat there for 3 full hours. The local branch people were embarrassed and apologized, but I told them while I did not blame them personally, they should look for another job, because their employer is evil and dishonest. I told this to the branch manager as well, and he just smirked at me, as only a banker can.
I kid you not, no joke, it took a full MONTH to get the requested payoff, and I had to jump through hoops to appease them, the likes of which I have never heard of. They deliberately made it difficult to pay this loan off; I am confident in this conclusion. Believe me when I tell you, I am a highly competent professional and know how to get things done. I deal with banks and credit unions daily, multiple times a day, in fact, and no lender comes even close to how horrendous these people have consistently proven to be. These people need a good tarring and feathering.