DBS Financial

I am responding to complaint #*** Ms*** *** Ms*** had previously paid a $convenience fee when she called and made a payment March 27, 2017. Ms*** was previously set up on automatic payments but unfortunately her payment declinedDBS Financial does
offer two free payment options that Ms*** can take useMs*** can drop off her payment at one of our ABC Motorcredit locations in Tallmadge and Bedford or she can come to DBS Financial in AkronMs*** can mail her payment to DBS Financial at *** *** *** *** *** ***. If Ms*** has any other questions or concerns she can call Andrew O*** at *** ext***.We apologize for any inconvenience this has caused Ms***

Initial Business Response /* (1000, 5, 2015/12/01) */
Unfortunately our bank will only allow us to adjust due dates on our customer's loans once a yearWe made a due date adjustment on Mr***'s loan on June 26, In addition, Mr***'s bank would not have allowed us to withdraw funds
from a closed account
If Mr*** brings his loan current, we will be happy to address any mechanical issues he is experiencing
Please ask Mr*** to contact our Finance Manager, Andrew O*** at ***, extension *** to discuss his account
Initial Consumer Rebuttal /* (3000, 7, 2015/12/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The customer service rep Cathy told me on the phonr she knew account was closed pull phone recordsThis company preys on the poorUnacceptable if the Revdex.com does not fix this ill go to dmv
Final Business Response /* (4000, 9, 2015/12/04) */
As stated in our earlier response, if we try to electronically transfer funds from a closed account the bank sends us an error message and funds are not transferredWe did receive this account closed error message when we tried to pull Mr***'s payment on November 11; no funds were transferred
We believe there are two options for Mr*** at this pointThe first is to bring his account current so we can make any repairs that are needed to his vehicle
The other option, if Mr*** will agree to return his vehicle in resalable condition, we are willing to release him from his remaining obligation on the loan
Please ask Mr*** to contact our Finance Manager, Andrew O***, at ***, extension *** to resolve this issue

Initial Business Response /* (1000, 11, 2016/05/10) */
I am responding to complaint #*** Ms*** ***
The most recent file sent to the credit bureau does not show any late payments for Ms***The report will show that Ms***'s account was transferred to Mid Atlantic
If
Ms*** should have any further discrepancies she can contact Andrew O*** directly at *** ext***
Sorry for any inconvenience this has caused Ms***
Initial Consumer Rebuttal /* (3000, 13, 2016/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
We do not accept this responseAttached please find our reasonsThe first shows Equifax on our current credit report thereThe second shows Transunions credit reportAs you can see both show missed payment for DBAThey are liars
Final Business Response /* (4000, 16, 2016/05/12) */
I am responding to complaint #*** Ms*** ***
Andrew O*** has spoken to Ms*** and they covered the process to resolve the issueIf Ms*** has any further issues she can contact Andrew O*** at *** ext***
We apologize for any inconvenience this has caused Ms***
Final Consumer Response /* (2000, 18, 2016/05/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2016/05/24) */
I am responding to complaint #*** *** ***
Mr*** purchased his Jeep Liberty on 10/30/When Mr*** purchased his Jeep Liberty he opted to have his payments automatically withdrawn from his checking accountThe
agreement that Mr*** signed states that he must give a minimum of day notice prior to his due date to stop a paymentOur records indicate Mr*** has asked for a payment to be stopped but unfortunately it was within the daysOur records do not indicate that Mr*** has requested to have it stopped completely
If Mr*** is having a hardship situation he can contact Andrew O*** at *** extand he will be happy to work with Mr***
We apologize for any inconvenience this has caused Mr***

I am responding to complaint #*** Mr*** *** Mr*** purchased in October 2015. In March 2016, Mr*** had repairs that weren't covered by his warranty so DBS Financial opened a service loan for $1,008.06. Mr*** paid off
this service loan on 6/27/2016. In August 2016, *** *** indicated that *** lost hours and couldn't afford the vehicle and requested the vehicle be it picked up. They did not indicate at that time that the vehicle was not runningThe vehicle was picked up by DBS Financial on 9/7/2016. The vehicle is set to be sold at auction on 10/1/2016. If Mrand Mrs*** would like to redeem their vehicle or have any further questions they can contact Andrew O*** at *** ext***prior to September 29, 2016. Unfortunately we will not be able to replace Mr*** vehicle. We apologize for any inconvenience this has caused Mr***

I am rejecting this response because: they caused my credit score too fall and other banks with low intrest will not take my loan because they have it looking like a repo on my credit now all that negative reporting to the creditors

Initial Business Response /* (1000, 5, 2016/05/12) */
I am responding to complaint #*** Ms***
Andrew O*** and Emma L*** have already been in contact with Ms*** and Mr*** and the issue has been resolved
If Ms*** or Mr*** have any further concerns they can
direct them to Andrew O*** at *** ext***
Sorry for any inconvenience this has caused Ms*** and Mr***

Initial Business Response /* (1000, 5, 2016/03/11) */
We have refunded Ms*** payment to her debit card on 3/10/This could take up to hours to show in her accountWe apologize for any inconvenience this caused Ms***If Ms*** has any further questions please contact Andrew O***
at *** ext***
Initial Consumer Rebuttal /* (2000, 8, 2016/03/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I would like to thank the Revdex.com for working on this for meDBS has returned our money and I am completely satisfied

I am responding to complaint #[redacted]. Mr. [redacted] purchased his 2008 Buick Lucerne on 12/8/2017.Mr. [redacted] signed a Retail Motor Vehicle Installment Contract when he purchased his vehicle. Mr. [redacted] contract stated he was to make Bi weekly payments. Mr. [redacted] 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. [redacted]s vehicle as he has never contacted them.Mr. [redacted] has until 2/17/18 to contact DBS Financial at [redacted] about redeeming his vehicle.Unfortunately we will not be refunding any money or changing any information in Mr. [redacted]'s credit bureau.If Mr. [redacted] has any other questions or concerns he can contact Andrew O[redacted] at [redacted] ext. [redacted].

I am responding to complaint #[redacted] Ms. [redacted]Ms. [redacted] payments aren’t twice a month, they are bi-weekly which is every 14 days which means twice a year, there are three payments due within a given month. Ms. [redacted] did make two payments in January.  However, she missed a...

payment in October 2017 as well as two of the three payments due in December 2017. Unfortunately, we are unable to adjust the credit history based on the payments we’ve received.  If Ms. [redacted] 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 research. We apologize for any inconvenience this has caused Ms. [redacted]. If Ms. [redacted] has any other questions or concerns she can contact Andrew O[redacted] at [redacted] ext. [redacted].

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

I am responding to complaint #[redacted] Mr. [redacted]. Mr. [redacted]'s car was repossessed  on 8/19/2016, he was past due $256.91. The bond of two payments is $413.82. Mr. [redacted] was also quoted payments of $206.91 which is any payment due within the 20 day right to cure period. Under Ohio...

law, the actual repossession cost paid by DBS Financial can be assessed to Mr. [redacted], which was $290.00. Mr. [redacted] would owe $1167.64 for the total right to cure. Mr. [redacted]'s vehicle is scheduled to sell at auction on 9/17/2016. If Mr. [redacted] is interested in redeeming his vehicle he can contact Andrew O[redacted] no later than 09/15/2016. If Mr. [redacted] has any other questions or concerns he can contact Andrew O[redacted] at [redacted] ext. [redacted].

Final Consumer Response /* (2000, 6, 2015/10/16) */
Withdraw the complaint the 213.82 was refunded, thank you

Initial Business Response /* (1000, 5, 2015/12/18) */
Contact Name and Title: Jim S[redacted], 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[redacted], at [redacted], extension [redacted] at his earliest convenience.

Initial Business Response /* (1000, 8, 2016/01/29) */
Mr. and Mrs. [redacted]'s vehicle was repossessed on July 22, 2015 for lack of payment. Customer made partial arrangements for the right to cure on August 4, 2015 and redeemed their vehicle. Payment arrangements were made at the time for the...

remainder of the Right to Cure and were added to Mr. and Mrs. [redacted]s regular weekly payment. We were contacted by Mr. and Mrs. [redacted]'s attorney on January 20, 2016 and supplied him all the information he requested. Payment arrangements were made at that time for January 28, 2016. As of today Mr. and Mrs. [redacted] are up to date and the issue has been resolved. Any further questions please contact Andrew at [redacted].

Initial Business Response /* (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 corrected. We also mailed a letter stating this to Mr. [redacted] home address.
We...

apologize for any inconvenience this has caused Mr. [redacted].

Initial Consumer Rebuttal /* (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 balance. I would feel more assure that the corrections took place if the correction were to be made on the DBS website, which reflects their database. Please see the attached file.
Final Business Response /* (4000, 9, 2016/06/28) */
I am responding to complaint #[redacted] Mr. [redacted].
DBS Financial has updated their website to reflect Mr. [redacted] payment history. The update will be effective June 30, 2016.
If Mr. [redacted] has any further questions or concerns he can contact Andrew O[redacted] at [redacted] ext. [redacted]
Final Consumer Response /* (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 /* (1000, 5, 2016/03/29) */
I am responding to complaint #[redacted] Ms. [redacted].
Ms. [redacted] and Mr. [redacted] purchased a vehicle on November 27, 2015. Ms. [redacted] and Mr. [redacted] took advantage of a Tax Max advance on their tax return for 2015. Mr. [redacted]...

provided his information that is entered into the Tax Max program. Once the estimated amount is supplied Ms. [redacted] and Mr. [redacted] decided to use a portion of that return as an advance towards the purchase of a vehicle. Mr. [redacted] signed the 4th Quarter Sales Agreement and Promissory Note that contained all the information Mr. [redacted] provided. We apologize for any inconvenience this has caused Ms. [redacted]. If Ms. [redacted] has any further questions or concerns she can contact Brian B[redacted] at [redacted].
Initial Consumer Rebuttal /* (3000, 7, 2016/03/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
An apology is not acceptable for if that was the case I could just apologize for not paying the $200 balance that was given after filing the taxes. As I stated we completed all tax paperwork honestly and correctly to the best of our ability with the manager. We we told the downpayment would be entirely covered with a $86 refund to us. After our meeting with leah at dbs we spoke with andrew to explain our concerns and frustrations and had hoped for a resolve which we were surprised with a week later.
Final Business Response /* (4000, 9, 2016/03/31) */
As we stated in our earlier response Mr. [redacted] supplied the information that was entered into the Tax Max program. Mr. [redacted] also signed the 4th Quarter Sales Agreement and Promissory Note that contained all the information Mr. [redacted] supplied. If there was an error on this 4th Quarter Sales Agreement and Promissory Note Mr. [redacted] should have brought that to our attention prior to signing. If Ms. [redacted] has any further questions or concerns she can contact Brian B[redacted] at [redacted].
Final Consumer Response /* (4200, 11, 2016/04/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It has been fully noted that the 4th quarter sales agreement was signed even if there is complete deniability in any wrong doing. The other form that was signed was the Tax Max program information. I can see that this company will take no responsibility for errors. This company will also make the customer take complete responsibility for any errors that have occurred because of this 4th quarter sales agreement. I just would like to make it perfectly clear that this sort of situation is completely accepteptable with ABC motorcredit as well as DBS Financial as long as the customer can be completely responsible for company mistakes. To also make it perfectly clear that we will have to pay $200 instead of getting our full downpayment covered as documented and signed with Akron store manager along with a $86 credit. For further notice any phone calls to take place will be recorded and saved for protection to us as consumers considering the responses from this company and what has been experienced thus far.

Initial Business Response /* (1000, 5, 2016/03/11) */
Mr. [redacted] loan was sold to American Credit Acceptance on 11/17/2015. 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...

1/7/2016. The credit bureau file was reopened with DBS Financial at that time. Mr. [redacted]'s loan has gone past the original 36 month term do to two hardship adjustments on his account on 8/13/2013 and 9/11/2014, which extended the original loan term. As of 3/11/2016, Mr. [redacted] owes $826.93 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 /* (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 notified. Was called by (3) different companies, stating they now had loan;2 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 $400. 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 today. I can provide the contact's name and number at ACA when I get home tonight. I 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 acct. DBS had already been paid over $11,000.00; There has to be some middle meeting ground for both parties to resolve this. Lack of documentation on DBS's & ACA's end.
Final Business Response /* (4000, 10, 2016/03/15) */
Mr. [redacted]'s account was never closed it was transferred. We would like Mr. [redacted] to contact Andrew O[redacted] at [redacted] ext. [redacted] to discuss this matter.
Final Consumer Response /* (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 $0. balance. If it was transferred, then who or what was it transferred too? I've yet to receive any documentation, which I've requested several times. I will attempt to contact Andrew O[redacted] Thursday afternoon as requested. I want to resolve this and move on. I strongly discourage anyone from dealing with this company.

Initial Business Response /* (1000, 5, 2016/01/21) */
Ms. [redacted]' first repo was 12/22/15. She redeemed on 12/23/15. At that time, the right to cure was $1517.75. We allowed the customer to redeem the vehicle for $481.00 and then pay $282.25 bi-weekly starting 1/1/16.
Ms. [redacted] missed...

the first payment and didn't pay until 1/7/16. She missed the second payment which was due on 1/15/16 and as of today, still hasn't made the payment. Vehicle was repo'd on 1/20/16.
We are willing to allow Ms. [redacted] to redeem a second time for $397 plus the storage fee to the agent which is $100, then start paying $282.25 bi-weekly starting 2/4/16. Her right to cure from this repo is $1226.00.
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, 2016/06/08) */
I am responding to complaint #[redacted] Mrs. Misseann S[redacted].
We were able to contact Mrs. S[redacted] and together came to a resolution on her payment issue.
We apologize for any inconvenience this has caused Mrs. S[redacted].
If Mrs....

S[redacted] has any further concerns or issues she can contact Andrew O[redacted] at [redacted] ext. [redacted].