Lobel Financial

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [I really do not believe they said I called on Christmas eve I called and spoke to [redacted] whom works for the department Lobel an was told that account was paid in fullWhen I spoke to rgs the gentleman stated it was sent to collections for the amount of I told them that its been over months since I was told account paid in full and know they sent me something from collectionsI will be getting ahold of consumer watch and the channel news station too see what they have to say in the response from Lobel they do not mention the employee I spoke with whom told me account was paid in fullI really do feel they are trying to take advantage and I am a hard working motherThis complaint has nothing to do with July's complaint because I did pay no I refuse to pay it again Regards, [redacted]

Lobel Financial maintains the position as stated in our original response and is happy to supply the customer with a statement detailing the amounts owed and received on her account to date The customer should contact the collection agency directly and they would be more than happy to discuss potential settlement options to satisfy the amounts outstanding

Management has thoroughly reviewed the customer’s complaint While Lobel Financial maintains that our office is in compliance and adheres to all FDCPA guidelines, we have documented the customer’s concerns and will launch a thorough investigation into his complaint As the customer has referenced harrasment in our efforts to collect his debt, and to ensure there is no misunderstanding of our intentions, we have updated his account to reflect that we cease and desist all outbound communication to any and all numbers listed on his account Should the customer have any questions regarding the status of his account he should contact our office directly at [redacted] during regular business hours

Hello,Please find our response in reference to Complaint ID # [redacted] below: Our office received the customer’s final payment on 10-14- The customer was informed on several occasions that the title and correspondence confirming the fulfillment of his account would be released following the business day processing period Our office released the title on 11-3-as agreed Additionally, as per our conversation with the customer on 11-11-14, a check in the amount of $was issued and mailed on 11-12-as a refund for the GAP policy

The Sheriff department stopped [redacted] for over speeding and the car went to a lot for not having a valid licenseI [redacted] called the financial office to take out the car since neither of us had a license to take it outThey took out the car and we asked if someone with a license could take the car, in this case my mother in law [redacted] They asked for her credit and license and we sent all those documents and we did not receive any answerI then received a call from them stating they would send the car to an auction and the difference of the car, I would have to pay

After I made the first payment I get a bill saying that my monthly payment has increased by $I call to ask why and to get a written letter saying that my payment has changed and why but they refused to give it to meI filed a complaint with the CFPB and then they repossessed my carThey said that I need to pay off the entire loan to get my car back for being difficultAfter I made the first payment I get a bill saying that my monthly payment has increased by $I call to ask why and to get a written letter saying that my payment has changed and why but they refused to give it to meI filed a complaint with the CFPB and then they repossessed my carThey said that I need to pay off the entire loan to get my car back for being difficult

Lobel Financial has reviewed the customer’s complaint and account in detail Our company has a strict 3rd party disclosure policy and maintains that no information is released to parties not listed on the contract In the event of delinquency, our office will contact the customers’ available numbers in an effort to discuss potential resolution To ensure our intentions are not misconstrued, we have updated our records to cease and desist all outbound telephonic communication We will gladly service their account and answer any questions should the customer contact our office directly

Please find our response to complaint ID #***
Management has throughly reviewed the customer’s account. Our office has a very strict policy with regards to the release of information to third parties. Though our records do not indicate the events described to the
***, we have documented her complaint against the mentioned employee and will conduct a thorough investigation. As Lobel Financial is entitled to the monies due as a result of the servicing of her loan, and as stipulated on her Motor Vehicle Retail Installment Sales Contract, we would be unable to refund any monies received by our officeWe want to assure the customer that her claim is taken very seriously and mention that any complaints are fully documented and handled accordinglyWe regret to hear the customer’s frustration with our company and hope that any future servicing is to her contentment
Best Regards,
Lobel Financial

Please find our response in reference to complaint ID# *** below Thank you in advance. Lobel Financial has thoroughly reviewed the customer’s account On 12-16-14, the customer contacted our office to inquire how her payments are allocated The representative
informed the customer that while this information is not accessible in real-time she would be happy to submit the request for a report detailing the allocation of payments be mailed to the address on file As the representative was unable to assist the customer or address her concerns, it is standard procedure to escalate the call to their supervisor As the supervisor was unavailable at the time, the representative offered the option to escalate to the supervisor’s voicemail which the customer declined We apologize that this information may not have been adequately relayed to the customer and have addressed the issue with the aforementioned representative Our office is happy to review the provided documentation with the customer and has left her a voice message requesting a return call to discuss her account

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Management has thoroughly reviewed the customer’s account. Our office initiated contact with the customer on 10-1-and made arrangements for the customer to make a payment on 10-4-13. When payment was not received on 10-4-13, our office contacted the customer to request immediate
payment of the amounts due. It was at this time that the customer requested an additional two weeks to pay his August and September payments. The customer was informed that due to the delinquency of his account and his failure to honor the previous agreement, we were unable to grant his request and required payment immediately to avoid further collection efforts. As payment was not received, the financed collateral was repossessed on 10-7-13. The customer was given the amount necessary to redeem the collateral on 10-9-13. Our office followed up with the customers on several occasions to confirm their intentions with regards to the redemption of the collateral. On 10-23-the customer informed our office that they did not have any intentions of recovering the vc and were made aware of their responsibility to contact our office to make payments on any deficiency balance left following the sale of the vehicle. Following the sale of the collateral, a surplus/deficiency letter was generated on 11-20-13. This letter detailed the monies received through the sale, the remaining deficiency balance and requested that the customer contact our office directly to make arrangements to pay on the amount owed. As our office received no response from the customer, additional correspondence was generated on 12-4-informing the customer that if they did not contact our office to make arrangments to pay the oustanding balance we would have no choice but to pursue legal action. As the customer failed to communicate with our office following our numerous efforts to discuss potential resolution, Lobel Financial was left with no choice but to file a lawsuit against the complainant on 12-26-13. It was not until after the customer was served on 1-15-that Lobel Financial received correspondence on his behalf in the way of an answer to the complaint which he filed 2-11-14. When Lobel Financial appeared at the trial set 8-14-14, the court ruled in our favor based on the evidence provided, and issued a judgement against the complainant in the amount of $9149.53. Following the judgement, a writ of excecution was issued 9-22-and a garnishment order was served upon the customer’s employer on 10-21- Currently, a hearing has been set for 12-19-to review the customer’s claim of exemption filed in response to the court-ordered garnshiment. While a judgement creditor has the right to request 25% of the judgement debtor’s gross earnings, due to the complainant filing a claim of exemption, our office will only request $per pay period (approximately 4%). Should the customer agree to our request of $60.00/pay period prior to the hearing date, he should contact our office directly to discuss his options

While our office did not have such proof as indicated by the
customer, our office contacted all prior and current insurance companies to
verify insurance coverage throughout the term of the customer’s loan. As we were able to confirm the customer did
have additional coverage not previously
received by our office, we were happy
to make the necessary adjustments The
customer’s remaining balance was $ Following a payment in the amount of $
received on 3-9-and adjustments for physical damage protection, his
remaining balance was $4.92. As a
courtesy, we have waived the $balance and closed the customer’s
account. A lien-satisfied letter,
confirming the account is considered paid in full, will be generated and mailed
to the address on file following the standard business day processing
period

Management has thoroughly reviewed the customer’s
account. Upon auditing the customer’s account,
our office has confirmed that the total amount required to satisfy the loan at the
time in question would have been $21,576.39.
The total amount paid by the customer throughout the term
of the loan
was $ 21,518.14. On 20-20-15, our office
informed the customer that the monies credited to her account on 10-3-were
not enough to satisfy the account and a remaining balance of $was
required to receive the title As the
accounting records confirm the amounts required and our office has no records
of any documentation generated on her account and/or records indicating that an
authorized Lobel employee quoted this amount, we informed the customer that we
would not be able to waive the balance but that we had since closed her account
to ensure no additional fees/interest would be accessed. The customer informed the supervisor that she
had documentation from our office reflecting the remaining payoff of $2832.34. We advised the customer that should she be
able to supply such proof, our office would gladly honor the amount. To this date our office has yet to receive
the requested proof. While our office
maintains that a balance of $is owed, as a courtesy to the customer, our
office will waive the outstanding balance and release the title Her account status will be reported to the credit bureaus as a PAID ACCOUNT - ZERO BALANCE

Management has thoroughly reviewed the customer’s
account. To ensure that our attempts to
contact the customer regarding the status of her account are not misconstrued
as harassment, we have updated our records to cease and desist all outbound
telephonic communication. Due to
privacy
concerns we are unable to communicate via email but are happy to discuss the
customer’s account should she contact our office directly. We have generated a payment history statement
reflecting the dates and amounts of all payments received. Upon reviewing this statement, should she
have proof of any additional payments or concerns she may contact our
office directly. At this time her account is delinquent for
the amounts owed for January and February totaling $620.90. To avoid any further collection efforts, she
should remit this amount immediately and/or provide proof of additional monies
paid to Lobel Financial but not credited to her account. Her account has been assigned to an account
supervisor who would be happy to discuss or set up an appointment to meet with
the customer during business hours

The Sheriff department stopped *** * *** for over speeding and the car went to a lot for not having a valid licenseI *** ** called the financial office to take out the car since neither of us had a license to take it outThey took out the car and we asked if someone with a license could take the car, in this case my mother in law *** ** *** They asked for her credit and license and we sent all those documents and we did not receive any answerI then received a call from them stating they would send the car to an auction and the difference of the car, I would have to pay

Tell us why here...I would like to respond to the complaint against my company. I did receive a call from this customer and promptly went to their house to see what the issue was. I tried visiting several times before yesterday when I was finally able to find them at home. We
installed this roof almost two years ago. We only did the roof, we did not remove the gutters as there is no reason to remove gutters when installing a roofIf we had disrupted or moved the gutters, there would have been a problem immediately, not two years later. Also, upon inspection of this customers gutters, they have not maintained their gutters as they were clogged with weeds growing out of them. I explained to them that if there is a problem with the gutters, they should call the company who installed the gutters. They also began blaming me for a problem they are having with siding on their garageI began to get the feeling that this couple was trying to get my company to pay for problems they are having with their house that are clearly not caused by a roof job we did almost two years ago. I tried explaining this to the couple but at this point the couple became visibly agitated with me as they could see I was not going to let them place blame on my company. As far as almost running this gentleman’s wife over, I absolutely did not! So, to reiterate what I said above, the problems this couple are having are not from a roof project completed two years ago, they need to contact their gutter installer and their siding installer. I would be happy to address any other concerns relating to this complaint. Sincerely, James P***

Management has thoroughly reviewed the customer’s account. Our records reflect that our office informed the customer we would research his payment and properly adjust his account pending the final outcome of the payment investigation. As we fully appreciate the customer’s desire to
resolve his account in a timely matter and without confirmed resolution of the payment at that time, we have credited his account with our office by applying an $payment to his principal balance as reimbursement for the pay-by-phone fee. Should the customer be able to provide proof of the $investigation fee paid directly to the USPS, we are happy to reimburse him for that as well

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

From: j*** *** Sent: Friday, December 01, 3:PM To: Revdex.com Subject: Re: You have a New Message from Revdex.com Serving Connecticut Regarding Complaint *** We took care of this complaintHad my men fix problem

Our office has reviewed the customer’s complaint. While it is unclear what may have led the customer to believe this, we want to assure the customer that interest was not applied as described in his complaint. When the customer’s bank did not honor a payment that was provided
to our office, his account was assessed applicable return check charges as deemed by state law. Following the returned payment, a letter was generated to the customer to advise of the status of the payment. As a courtesy, these fees were deferred to the end of the loan. No extra interest was earned as a result of these fees. The customer has since made his final payment to our office. Pending clearance of this payment and following the standard processing period, the customer’s title will be released by our office and mailed to the address on file directly by the ***