DBS Financial

I am responding to complaint # [redacted] Ms [redacted] ***Ms*** payments aren’t twice a month, they are bi-weekly which is every days which means twice a year, there are three payments due within a given monthMs [redacted] did make two payments in January However, she missed a payment in October as well as two of the three payments due in December Unfortunately, we are unable to adjust the credit history based on the payments we’ve received If Ms*** is stating she has receipts for payments that were not credited to her account, she can provide us with documentation of this so we can researchWe apologize for any inconvenience this has caused Ms***If Ms [redacted] has any other questions or concerns she can contact Andrew O [redacted] at [redacted] ext***

Initial Business Response / [redacted] (1000, 5, 2016/03/22) */ I am responding to complaint # [redacted] Ms [redacted] paid $on 02/24/which is the pro rated due date changeMs [redacted] did not pay a fee to move her payment Per Ms [redacted] request her payment was refunded on 03/16/We apologize for any inconvenience this caused Ms [redacted] If Ms [redacted] has any further questions or concerns she can contact Andrew O [redacted] at [redacted] ext [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/03/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have had nothing but trouble and issues with this company from week one when I bought this carTheir customer service is much to be desired, as everytime I speak to someone, they are short, like they don't want to be bothered with me, and have at times been down right rudeI can assure you that I will never do business, or refer anyone to their business ever again! They have "fees" for every little thing you ask of them, and have no regard for their customers! Any other finance company I have worked with in the past has at least a day grace period to make a payment lateI was told by this company they do not have that policy, when I called to ask them to wait two days before they took the payment, as my fiancé gets paid on Thursdays, and our payment happened to be on a TuesdayHe got a new job since our original agreement, and we didn't know we would not be allowed to pay two days late! So, they continued to take the payment on Tuesdays, after I asked them to simply wait the two days, and I was charged a $insufficient funds charge from my bank for months! All because they are greedy and won't work with their customers when situations changeWhen they do, they want to charge you even more money to change a due date by two whole days!! I have never had a company be so unwilling to work with you and give you any sort of help! They are trying to tell me I have hundreds of dollars in late fees, but yet have never produced the paperwork I asked for to prove where we were late! I will not be paying any late fees until I am sent accurate paperwork proving I was late! They're crooks! And now I'm stuck in this loan, paying $for a car that's only got a book value of $1900.00!!! I don't see how they are allowed to do that to people!! They take advantage of people that may be down on their luck and need a car to get to work, and do nothing but charge fees and take money when THEY feel like it!!! Do not do business with DBS Financial, also known as ABC Motorcredit!!! Unless you want to pay times what the vehicle is worth!!!!!!!! Scammers!!!

Initial Business Response / [redacted] (1000, 5, 2016/03/11) */ Mr [redacted] loan was sold to American Credit Acceptance on 11/17/We updated the credit bureau as "closed/transferred to another office"Mr [redacted] didn't make any payments to American Credit Acceptance so we purchased the account back on 1/7/The credit bureau file was reopened with DBS Financial at that timeMr [redacted] 's loan has gone past the original month term do to two hardship adjustments on his account on 8/13/and 9/11/2014, which extended the original loan termAs of 3/11/2016, Mr [redacted] owes $to payoff his account Mr [redacted] can contact our finance manager Andrew O [redacted] at [redacted] ext [redacted] if he has any further questions Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/03/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) Was never notified of the acct being transferred; I called DBS when I noticed my payment wasn't taken out and then notifiedWas called by (3) different companies, stating they now had loan;were false; when finally talking to ACA; was told my payoff was $11,000;Called them a 2nd time and the payoff was $8,500;After several conversations, made an agreement that if I came up with $it would be paid in full;made several attempts to contact again, but they wouldn't supply any documentation; Meanwhile, my scheduled payments weren't taken out placing me where I'm at todayI can provide the contact's name and number at ACA when I get home tonightI was willing to make arraignments for payments; I just want to make sure that my funds are going to the correct acct/company; From what I've been told, once an acct is closed, you can't just decide to "reopen" an acctDBS had already been paid over $11,000.00; There has to be some middle meeting ground for both parties to resolve thisLack of documentation on DBS's & ACA's end Final Business Response / [redacted] (4000, 10, 2016/03/15) */ Mr [redacted] 's account was never closed it was transferredWe would like Mr [redacted] to contact Andrew O [redacted] at [redacted] ext [redacted] to discuss this matter Final Consumer Response / [redacted] (4200, 12, 2016/03/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) What resolution? To call again? According to my Transunion & Equifax credit report (as of today), the account in question, shows "closed" and with a $balanceIf it was transferred, then who or what was it transferred too? I've yet to receive any documentation, which I've requested several timesI will attempt to contact Andrew O [redacted] Thursday afternoon as requestedI want to resolve this and move onI strongly discourage anyone from dealing with this company

Initial Business Response / [redacted] (1000, 8, 2016/01/29) */ Mrand Mrs [redacted] 's vehicle was repossessed on July 22, for lack of paymentCustomer made partial arrangements for the right to cure on August 4, and redeemed their vehiclePayment arrangements were made at the time for the remainder of the Right to Cure and were added to Mrand Mrs [redacted] s regular weekly paymentWe were contacted by Mrand Mrs [redacted] 's attorney on January 20, and supplied him all the information he requestedPayment arrangements were made at that time for January 28, As of today Mrand Mrs [redacted] are up to date and the issue has been resolvedAny further questions please contact Andrew at [redacted]

Initial Business Response / [redacted] (1000, 5, 2016/07/07) */ I am responding to complaint # [redacted] Mr[redacted] Our credit manager was able to speak with Mr [redacted] and together they were able to come to a resolution We look forward to working with Mr [redacted] going forward We apologize for any inconvenience this has caused Mr [redacted] If Mr [redacted] has any other questions or concerns he can contact Andrew O [redacted] at [redacted] ext*** Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/07/11) */ (The consumer indicated he/she ACCEPTED the response from the business.)

I am responding to complaint # [redacted] DBS Financial has been in contact with Ms [redacted] and her issue has been resolved

Initial Business Response / [redacted] (1000, 5, 2015/12/18) */ Contact Name and Title: Jim S***, President Contact Phone: [redacted] Contact Email: [redacted] We have been trying to reach Mr [redacted] so we can work with him to address the issues with his account Please ask Mr [redacted] to contact our Finance Manager, Andrew O***, at [redacted] , extension [redacted] at his earliest convenience

I am responding to complaint # [redacted] Mr [redacted] Mr [redacted] 's car was repossessed on 8/19/2016, he was past due $The bond of two payments is $Mr [redacted] was also quoted payments of $which is any payment due within the day right to cure periodUnder Ohio law, the actual repossession cost paid by DBS Financial can be assessed to Mr [redacted] , which was $Mr [redacted] would owe $for the total right to cureMr [redacted] 's vehicle is scheduled to sell at auction on 9/17/If Mr [redacted] is interested in redeeming his vehicle he can contact Andrew O [redacted] no later than 09/15/If Mr [redacted] has any other questions or concerns he can contact Andrew O [redacted] at [redacted] ext***

I am responding to complaint # [redacted] ** *** Unfortunately, we are unable to accept $100 per month to pay off the deficiency balance. With Ms. ***s balance, $200 per month is the minimum we can accept to stop the account from being referred for collection... activity.We apologize for any inconvenience this has caused Ms. ***.If Ms. [redacted] has any other questions or concerns please have her contact Andrew O [redacted] at [redacted] ext. ***.

Final Consumer Response / [redacted] (2000, 6, 2016/04/05) */ Resolved

Initial Business Response / [redacted] (1000, 5, 2015/10/20) */ Contact Name and Title: Jim S***, President Contact Phone: [redacted] Contact Email: [redacted] I have asked our Collections Manager to work with Ms [redacted] to locate and apply the payment she mailed on October 13th I've also ask that Ms [redacted] account be assigned to another Account Manager Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/10/30) */ (The consumer indicated he/she ACCEPTED the response from the business.) Was no real solution offered other than removing that lady as my account manager and I can live with that

Initial Business Response / [redacted] (1000, 5, 2015/12/21) */ Contact Name and Title: Jim S***, President Contact Phone: [redacted] Contact Email: [redacted] We believe this issue has been resolvedIf this is not the case, please ask Mrs [redacted] to contact our Finance Manager, ANdrew O*** at [redacted] , extension *** If Mrs [redacted] is not satisfied after talking to MrO***, please ask her to call me

I am responding to complaint # [redacted] Mr. [redacted] *** Mr. [redacted] may pay his payments bi-weekly as long as his account is current. In order to change dates, his account must be current and he will need to pay any prorated payment that is due between the old due date and the new due date. Mr.... [redacted] may contact DBS Financial at [redacted] to start this process.We apologize for any inconvenience this has caused Mr. ***. Mr. [redacted] can contact Andrew O [redacted] at [redacted] ext. [redacted] if he has any further questions.

Initial Business Response / [redacted] (1000, 5, 2016/06/23) */ I am responding to complaint # [redacted] Mr [redacted] *** We have received and responded to Mr [redacted] credit bureau disputes and the information has been correctedWe also mailed a letter stating this to Mr [redacted] home address We apologize for any inconvenience this has caused Mr*** Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/06/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Unfortunately the DBS website is still showing that I owe them a balanceI would feel more assure that the corrections took place if the correction were to be made on the DBS website, which reflects their databasePlease see the attached file Final Business Response / [redacted] (4000, 9, 2016/06/28) */ I am responding to complaint # [redacted] Mr [redacted] *** DBS Financial has updated their website to reflect Mr [redacted] payment historyThe update will be effective June 30, If Mr [redacted] has any further questions or concerns he can contact Andrew O [redacted] at [redacted] ext [redacted] Final Consumer Response / [redacted] (2000, 11, 2016/07/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am assuming my old account information has been deleted from their website, as I can no longer log in

Initial Business Response / [redacted] (1000, 5, 2016/06/08) */ I am responding to complaint # [redacted] MrsMisseann S [redacted] We were able to contact MrsS [redacted] and together came to a resolution on her payment issue We apologize for any inconvenience this has caused MrsS [redacted] If Mrs S [redacted] has any further concerns or issues she can contact Andrew O [redacted] at [redacted] ext***

Initial Business Response / [redacted] (1000, 5, 2016/01/21) */ Ms [redacted] ' first repo was 12/22/She redeemed on 12/23/At that time, the right to cure was $We allowed the customer to redeem the vehicle for $and then pay $bi-weekly starting 1/1/ Ms [redacted] missed the first payment and didn't pay until 1/7/She missed the second payment which was due on 1/15/and as of today, still hasn't made the paymentVehicle was repo'd on 1/20/ We are willing to allow Ms [redacted] to redeem a second time for $plus the storage fee to the agent which is $100, then start paying $bi-weekly starting 2/4/Her right to cure from this repo is $ Please ask Ms [redacted] to contact our Finance Manager, Andrew O [redacted] at [redacted] , extension [redacted] to make arrangements to pickup he car

Initial Business Response /* (1000, 5, 2016/03/30) */
I am responding to complaint #*** *** ***
We have spoken to Mr*** and he has agreed to have his warranty items repaired with assistance of the Lisa Warranty CompanyWe apologize for any inconvenience this has caused Mr
***If Mr*** has any further questions or concerns he can contact Andrew O*** at *** ext***
Initial Consumer Rebuttal /* (3000, 7, 2016/04/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Have talked with many people, and yes the LISA WARRANTY COMPANY HAD ALREADY TOLD THEM TO FIX THE COUPLE ISSUES BEFORE I WAS CALLED BY SARAH FROM THAT DEPARTMENTTHEY ARE STILL RUNNING AROUND IN CIRCLES AS FAR AS THE BAD WIRING JOB UNDER THE DASH OFF THE STEERING COLUMTHE TRUCK HAS EXTENSIVE ELECTRICAL PROBLEMSALL THE PROBLEMS THAT CAME ABOUT ALL AT THE SAME TIME.THE TRUCK IS UNSAFETHE SERVICE DEPARTMENT TOLD ME THE PLUGS AND WIRES ARE BAD JUST HAD A TUNE UP ALL NEW BEFORE IT WAS TAKEN INHOW COULD I NEED A TUNE UP? UPPER MANAGE MENT HAS CALLED AND THEY PASS IT OFF TO SOMEONE ELSEWITH I WILL CHECK THIS OUTWITH NO FOLLOW UP FROM THE ORIGINAL PERSONJUST LIKE METAL SHAVINGS THAT CAME OUT WITH THE LAST OIL CHANGELIFTERS RATTLING NEVER ADDRESSEDAND ALSO THE BODY WAS POORLY PATCHED AND PAINTED THE WHOLE TRUCK IS FALLING APARTI HAD THE TRUCK CHECKED OUT BEFORE TAKING IT TO THEIR SERVICE CENTERAND THEY AS IN A.B.C MOTOR SERVICE CENTER CAN NOT FIND THE PROBLEMS THAT A FORD GARAGE DID FIND.AND THEY HAVE HAD THE TRUCK WEEKS GETTING TO WORK HAS BEEN INTERESTINGWHEN IT COMES TO THE PAYMENTS THEY ARE VERY PROMT THE PHONES DONT STOPWISH THEY WOULD BE LIKE THAT IN SERVICEAND ALSO THE OWNERS WOULD LISTEN MORE AND HAVE COMPASSION ABOUT WHAT THEY ARE SELLINGTAKENING HARD EARNED MONEY AND NOT GIVING A CARE IN THE WORLDI UNDERSTAND ITS BUSINESS, IN THE SAME SINCE THIS VEHICLE SHOULD HAVE NEVER BEEN SOLD TO MEI HAVE ATTACHED SOME MINOR PICS WISH I WOULD HAVE TAKEN PHOTOS OF EVERY ISSUEALL I ASK IS PLEASE TAKE THE TRUCK BACK WITHOUT ANY MORE MONEY OWED AND NO NEGATIVE REMARKS ON MY CREDIT REPORT
Final Business Response /* (4000, 9, 2016/04/11) */
I am responding to complaint #*** Mr*** ***
The repairs that Lisa Warranty agreed to fix have been completedMr*** has been contacted and will be picking up his vehicle
We unfortunately cannot release Mr*** from his loan with DBS FinancialWe look forward to working with Mr*** going forwardIf Mr*** has any further questions he can contact Andrew O*** at *** ext***
Once again we apologize for any inconvenience this has caused Mr***

I am responding to complaint #*** *** *** DBS Financial requires a day notice to stop or change an automatic paymentMs*** was within the days so there was not time to adjust the payment she requestedDBS Financial will make a time exception for Ms*** and credit
her account the $50.00. A credit has been applied today January 3rd and may take up to hours to reflect in her account We apologize for any inconvenience this has caused Ms*** and we look forward to working together going forward. If Ms*** has any other questions or concerns she can contact Andrew O*** at *** ext***

I am responding to complaint #*** Ms*** ***. Ms*** was on a payment plan for her past due balance and was permitted to pay on the 7th and 22nd until she was current, at which time she would resume original payments as per her contractMs*** would need to contact DBS
Financial at *** to have her contract amended if she would like to have the 7th and the 22nd as her payment datesMs*** would need to sign a modification form and pay any prorated amount that would be due to complete thisUnfortunately, since there was no error on behalf of DBS Financial, we are unable to reimburse any fees at this timeMs*** may contact Andrew O*** at *** ext*** if she has any further questions or concerns.We apologize for any inconvenience this has caused Ms*** and look forward to working with her in the future

I am responding to complaint #*** *** *** **.We stand by our original reply.Mr*** signed a Retail Motor Vehicle Installment Contract when he purchased his vehicleMr*** contract stated he was to make Bi weekly paymentsMr*** failed to make his 2nd bi weekly installment contract at which time his car was repossessed.Lisa Warranty records do not show any issues with Mr***s vehicle as he has never contacted them.Mr*** has until 2/17/to contact DBS Financial at *** about redeeming his vehicle.Unfortunately we will not be refunding any money or changing any information in Mr***'s credit bureau.If Mr*** has any other questions or concerns he can contact Andrew O*** at *** ext***