Kubiniec's allegations are an affront to the tens of thousands of CitiFinancial employees who strive every day to act in their customers' best interests. If true, the unethical sales tactics she describes would constitute serious violations of the company's policies and standards. As soon as we learned of her allegations, we commenced a thorough review that has reassured us that these alleged practices are in no way characteristic of how CitiFinancial employees treat their customers or offer and sell products," Citigroup spokeswoman Christina Pretto said. The affidavit drew strong reaction from Rep. John J. LaFalce of New York, the top Democrat on the House Financial Services Committee and a strong consumer advocate whose congressional district includes Tonawanda. "These allegations provide reason for concern about CitiFinancial's own practices and draw into question Citigroup's pledges to eliminate Associates' predatory practices," Rep. LaFalce said through a spokeswoman.