When we last heard from reader Jeff, he was doing battle with CitiFinancial over a loan that refused to die, stuck with a $1 balance that he had been told not to bother paying because the loan was paid in full. Citi then turned around and reported him to credit bureaus as delinquent for not paying the dollar that he had been instructed not to pay. He disputed the ding on his credit report, and heard back from Citi that the debt has been resolved. Then he learned that Citi has filed a judgment against him in Baltimore. For $1.
Jeffrey thought he was done paying his CitiFinancial Loan, but they kept dragging him back in. A customer service rep assured him that the final balance, $1, didn’t have to be paid. So he didn’t. This was a bad idea.
Marc’s monthly budget just exploded into a mess of overdraft fees thanks to CitiFinancial Auto’s negligence, and now he’s not sure how to get them to actually do anything to fix it.