I hate Citi
I have a student loan with Citi Corporation. They suck so much. They have probably shaved several years off my life due to stress. I wrote them a little love letter that details why i hate them so much. I know it sounds a little pompous, but this is just how I speak when I am upset.
To Whom it may concern,
I can honestly say, without the slightest hint of hyperbole or even the tiniest feeling of doubt, Citi is the absolute worst company with which I have had the misfortune to do business. This does not simply apply to financial institutions, but any business with whom I have ever had dealings of any degree.
I have yet to receive a bill more than one week before payment was due. Bills were more often sent only a few days before payment was due and, far too often, after payment was due. When I moved to a new address I contacted Citi and updated my information. It took several tries before this was successfully accomplished, leading to several late payments, as my bills were being sent to the incorrect address. Even after several months my bills would occasionally be sent to the old address and upon investigation I would learn that my contact information had also been reverted and once again required me to make corrections to Citi's records. It was for these reasons that I switched to the "pay online" system (though one could more accurately say it was forced upon me). Even still, the system was horribly flawed. There was no system for immediate confirmation of payment. It would take several days to determine whether or not a payment had been successful, which it frequently was not. After a particularly frustrating ordeal I chose to try my luck at receiving paper statements via the USPS. I called the Citi account services line to ask about any potential repercussions of this action. the end of the conversation was less than informative:
Me:"If i wish to withdraw from the pay online system, will I receive a billing statement for the next payment due?"
Citi Rep:"If you want to stop making payments online you have to click on 'manage your account', go to 'pay online' and click 'withdraw'"
Me:"Thank you. If I do that, will I receive a bill for next month?"
Citi Rep:"You have to go online to withdraw..."
Me:"yes, IF I do that, will I get a bill in the mail for next month?"
Citi Rep:"yeah, you'll start getting billing statements in the mail."
Me:"No, I mean, will I get one for this next payment due?"
It continued on in much the same fashion for a few more rounds until I finally heard something that resembled an answer to my actual question. In hindsight, I believe she was still referring to the general trend of receiving billing statements in the mail.
I admit some responsibility. I did not follow through as thoroughly as Citi seems to expect. I only called once more to confirm my transposition from electronic transfers to mailing checks in response to bills. I did not receive my bill for the payment due on April 10th of 2008. I called on April 19th to inquire about this latest delinquent payment. I explained myself to the representative on the phone and set up an electronic transfer from my bank. The representative informed me that the transaction would take several days to be finalized and that I should ignore any "delinquent payments" calls I received in the near future. I received a letter from "Western Union Speedpay" stating that transaction was scheduled on April 19th of 2008. My bank records showed that the payment was made on April 22nd (confrimation# **********). Two weeks later I realized I was still receiving calls about my delinquent payment. Friday, May 2nd, I decided to call and confirm the status of my payment made on April 22nd. I then learned that there was no record of any such payment. The representative informed me that i now required proof of my payment from my bank to be faxed to Citi. She gave me a fax number to which I could send the proof of payment. I took the first opportunity I had (today at 3:45pmEST) to visit my bank and fax a copy of the transaction in question. Thirty minutes later I arrived home and immediately called Citi to confirm the reception of the fax. It was at that time that I learned the fax number I was given, (605)330-6810, is not the correct number. It is the "old number". I now have, what I am told is, the correct number, (605)330-6759. I do not have access to a fax machine at this moment. I will attempt to send this letter again tomorrow.
I would like to add that (with very rare exception) I make all payments to other credit cards and loans on-time, every month, without fail. The only payments for which I have EVER been delinquent are those owed to Citi. I am not perfect. I am quite far from it. Citi, however, is unfathomably far from even being adequate. I never knew a company could be as disorganized, inattentive, or inefficacious as Citi.
Very Sincerely,
[Me]
They had better send a response that appologizes at least 3 times.
To Whom it may concern,
I can honestly say, without the slightest hint of hyperbole or even the tiniest feeling of doubt, Citi is the absolute worst company with which I have had the misfortune to do business. This does not simply apply to financial institutions, but any business with whom I have ever had dealings of any degree.
I have yet to receive a bill more than one week before payment was due. Bills were more often sent only a few days before payment was due and, far too often, after payment was due. When I moved to a new address I contacted Citi and updated my information. It took several tries before this was successfully accomplished, leading to several late payments, as my bills were being sent to the incorrect address. Even after several months my bills would occasionally be sent to the old address and upon investigation I would learn that my contact information had also been reverted and once again required me to make corrections to Citi's records. It was for these reasons that I switched to the "pay online" system (though one could more accurately say it was forced upon me). Even still, the system was horribly flawed. There was no system for immediate confirmation of payment. It would take several days to determine whether or not a payment had been successful, which it frequently was not. After a particularly frustrating ordeal I chose to try my luck at receiving paper statements via the USPS. I called the Citi account services line to ask about any potential repercussions of this action. the end of the conversation was less than informative:
Me:"If i wish to withdraw from the pay online system, will I receive a billing statement for the next payment due?"
Citi Rep:"If you want to stop making payments online you have to click on 'manage your account', go to 'pay online' and click 'withdraw'"
Me:"Thank you. If I do that, will I receive a bill for next month?"
Citi Rep:"You have to go online to withdraw..."
Me:"yes, IF I do that, will I get a bill in the mail for next month?"
Citi Rep:"yeah, you'll start getting billing statements in the mail."
Me:"No, I mean, will I get one for this next payment due?"
It continued on in much the same fashion for a few more rounds until I finally heard something that resembled an answer to my actual question. In hindsight, I believe she was still referring to the general trend of receiving billing statements in the mail.
I admit some responsibility. I did not follow through as thoroughly as Citi seems to expect. I only called once more to confirm my transposition from electronic transfers to mailing checks in response to bills. I did not receive my bill for the payment due on April 10th of 2008. I called on April 19th to inquire about this latest delinquent payment. I explained myself to the representative on the phone and set up an electronic transfer from my bank. The representative informed me that the transaction would take several days to be finalized and that I should ignore any "delinquent payments" calls I received in the near future. I received a letter from "Western Union Speedpay" stating that transaction was scheduled on April 19th of 2008. My bank records showed that the payment was made on April 22nd (confrimation# **********). Two weeks later I realized I was still receiving calls about my delinquent payment. Friday, May 2nd, I decided to call and confirm the status of my payment made on April 22nd. I then learned that there was no record of any such payment. The representative informed me that i now required proof of my payment from my bank to be faxed to Citi. She gave me a fax number to which I could send the proof of payment. I took the first opportunity I had (today at 3:45pmEST) to visit my bank and fax a copy of the transaction in question. Thirty minutes later I arrived home and immediately called Citi to confirm the reception of the fax. It was at that time that I learned the fax number I was given, (605)330-6810, is not the correct number. It is the "old number". I now have, what I am told is, the correct number, (605)330-6759. I do not have access to a fax machine at this moment. I will attempt to send this letter again tomorrow.
I would like to add that (with very rare exception) I make all payments to other credit cards and loans on-time, every month, without fail. The only payments for which I have EVER been delinquent are those owed to Citi. I am not perfect. I am quite far from it. Citi, however, is unfathomably far from even being adequate. I never knew a company could be as disorganized, inattentive, or inefficacious as Citi.
Very Sincerely,
[Me]
They had better send a response that appologizes at least 3 times.
Comments
I'm glad the UK student loan company is run by the government, saves a lot of hassle.
*reads*
What a phail of a company.
Remember that time we thought they were Umbrella Corp? Hmmm....
After all this fuckign shit, they sent me a letter. Those fucking pricks sen me a letter with tips on how to avoid late fees. I can't quote it word-for-word as I rippe dit up in rage. I had tips about how to send a payment on time and how to call if I was going to be late on a paymebnt. I wasn ready to call up and start ripping whoever answered 2.7 new assholes! These peopel ave got me at the end of my proverbial rope. Anyine who has met me has never really seen me angry. But I can assure you that these punks are taking me t to a pioint far beyond that which you could possibly imagine as me being angy.
A week or two ago, Fu randomly contacted me through a new e mail, she got it from Han. Last night, she got on MSN for the first time. She asked for your MSN, so I gave it to her. Be on MSN more frequently, you might catch her.
Not that that solves your current problems, but it should hopefully at least make you smile.
True story.
Getting drunk on cheap scotch whiskey with two friends, then proceeding to walk from Langley to Hounslow (About 10 miles) at 3am because it had "The best goddamn Indian place in the world", finding it was shut, then walking back to Langley and from there to the other side of Slough to the 24 hour tesco, buying bacon, sausage and egg as well as some beer with a fake ID, walking back to Langley, arriving back at my house at 6am, only to undercook the food and then pass out and drink the beer when we woke up.
What is her current MSN name? Did she seriously ask about? I'm in the middle of trying to write w a a email for her. How's she doioing? DUDE! GET OINLINE NOW!
Icom correctly.!!!!!!!!!
At least when Jakey's drunk on the forums, he tells us how much he loves us (and it's apparently quite a bit). You're just angry and incomprehensible.
awwww.... is somebody ang-ee? *cheek pinch*