Borrowed 40, 000 fifteen yrs ago on a fifteen yr. morgage, should have payed off this mt. as was stated in loan documents. Well there is still 16, 000 owed. 600 dollars a mt. for 15 years is around 108, 000. can anyone explain this. I can see maybe a small amount being left. but 16, 000? How many yrs will that be ?

I can get no answers from citi. I have been asking for read outs for three yrs. and have not gotten one yet. Have an attny. as of this week, maybe they can get some answers. Hot.

I have had a mortgage with them in canada since 1998, never been in default or late at the end of 2010 i had to stop the direct debit out of my accounr as our pay days changed in January we got hit hard financially I cantacted them and told them January's payment would be made in February now I am getting calls and being pushed by them and harassed. the only hope I have is to sell my property and pay them off. consumer be careful there way of doing business stinks and so do their mortgages I am in canada and by the way I am also a senior. that kind of treatment I do not need especially when I notified them in writing.by the way notifying in writing is far better than on the phone with this finance company.

I have a loan with Citifinancial which I have payed directly from my bank. My bank sense the check a full 10 days before it's due every month. However, I keep getting called from Citifinancial saying the payment is late. The problem seems to be the address where I send the payment. Every time I call they tell me I have the wrong address and give me a different one.

Originally the address was in North Carolina, then it changed to South Carolina, now they say it's Nevada.

The worst part is they always call and try to make me send extra payments. I've paid over twice the monthly minimum like clockwork every month. However, they still treat me like I'm a deadbeat who doesn't pay their bills.

Once this loan is paid off, I will never do business with Citifinancial again.

I had a loan with Citifinancial for a motor cycle. I then took a refi loan with them to stop from losing my home because of Litton Loan. (Just look them up once!!)

We combined the smaller loan with the home refi. 3 years later they arte saying that I need to pay the small loan because it wasn't paid up.

When we went in to the office, we signed two checks. One was to pay Litton and one was to pay Citi back for the smaller loan. Somehow they made several small payments to themselves and someone kept the rest. Now I owe the grand total of the 2 loans combined and extra for the one not paid.

My husband divorce was messy and we ended up with alot of debt from it plus we gained custody of his children. We ended up buying his ex out of her portion of the house, but to do that we had to refinance. With the horrible credit situation she left their finances in we were limited to where we could go to apply for a loan. Citifinancial seemed to be a savior for us; they were polite and eager to help us. If I knew then what I know now, his ex could have kept that house.

We ended up refinancing the house and to my amazement even in the horrible condition the home was in, they gave us $125, 000 but with a high rate. We paid off our debt and bought out his ex. A few years later we had accumulated some credit cards and went back to them. They actually refinanced our house again and gave us a new Mortgage loan of $135, 000 with a rate at 10.5%. My husband was forced to work both days every weekend to help make ends meet because our Mortgage payment was so high. In 07 I got pregnant, my father died, our AC went out in our house and our Truck, and my mother was diagnosed with terminal cancer. To say the least we were having a sucky year. Since then we have never fallen behind on our payments, mainly because my dying mother is helping us so that we don't ruin our credit that we've worked so hard to repair. I recently called Citi because my husband's work as eliminated overtime and with child care costs and everyday living expeses it has become to much for my family and my dying mother to deal with. I advised them of the situation and asked them if possibly we could reduce our rate. NO. We make to much. See I was advised by the local office that CITI does not take into consideration EVERYDAY LIVING EXPENSES when it comes to qualifying customers for their loans. However, if i wanted to apply, my credit was exceptional and they would be more than willing to get me another loan.

I thought that with then new Housing Bill that passed that maybe we would get some relief... but nope... you have to have 31% of your gross monthly income going to the Mortgage company. We are short $500... so even the government won't help me out. I have 3 kids to support and we have to have a place to live. I can't burden my mother with anything else. My husband and I are now having to go through a Money Management Service to assist us with dealing with Citifinanacial, but thats still no gaurantee that they will reduce our payment.

BEWARE: do not do what I did and get a loan from Citifinacial. As a company, they are more than willing to help you when you can afford it, but get into a bind and they get out a noose to help hang you.