A measure of service
Want to see how much a company values you as a customer? Pay off your balance, and see how smooth the process is.
I should have known better than to think paying off my CitiFinancial loan would be without headache. Just three and a half months ago I got to go through the hassle of paying off my CapitalOne card (here and here).
I sent my final payment to CitiFinancial. The check was deposited. I have an image of the cleared check. But the payment hasn’t been posted to my CitiFinancial account, and a phone call revealed the payment doesn’t seem to be in their system.
The lady at the Colorado branch (where I took out the loan) asked me to go to my bank, and have them fax a copy of the cleared check so she can investigate the issue. So I’ll do that.
Maybe it’s coincidence, maybe bad luck. But it feels like companies that rely on subprime borrowers like myself will do whatever it takes for the last payment to be a pain in the ass. CapitalOne took two $700 payments when I only authorized one $700 payment. And CitiFinancial cashed a $1500 and, for the first time in two and a half years, my payment didn’t get credited to my account.
That just doesn’t feel right. I won’t be doing any more business with them.