Lobel Financial

Review: I've repetitively walked in my insurance declaration form about 6 times this year alone and my insurance company freeway insurance located on stockdale hwy in Bakersfield ca has also faxed it over a good 5 times and thy keep trying to charge me a monthly fee for not having insurance when I clearly do have it they do this to every customer they have they try to charge money that isn't owed and when I inform them that I walked in the declaration or my insurance faxes it over they will sit there and call me a liar and say they have never revived a copy they are harassing me all hours of the night this is my last resort I've had insurance and I've faxed it over multiple times if I've walked it in and they keep telling me I've never took one in I don't know what else to do please helpDesired Settlement: I want them to stop harassing there customers and to stop trying to over charge people who do have insurance. To take responsibility for what they are doing

Business

Response:

Hello,

Please find our response to complaint #[redacted] below:

Management has reviewed the customer’s account in detail. The customer was informed on 6-16-14 that our office had received valid proof of insurance through Integon National reflecting coverage effective 5-10-14 through 5-9-15. Our office made the necessary adjustments and the customer’s base monthly payment was adjusted back to $393.34. Our office recently received notification from Integon National that her insurance policy cancelled effective 7-20-14. Should her policy reinstate or should she obtain insurance through a new carrier we ask that she forward to our office so we can properly document her account.

Should the customer experience any difficulty providing proof of insurance to our office in the future she may email our Customer Service Center directly [email protected] and our office will take all necessary steps to ensure her insurance is properly applied.

Thank you.

Review: I made a car payment on a infinite G35 2007 on week of 2/10/14 to lobel financial. On 2/22/14 my vehicle was unknowingly repossess. The car is under my husband [redacted] and I [redacted] name and the financial company never contact him or I informing that the car was at stake of being repossessed. I've read complaints on other customers getting harassing and multiple phone calls but we never received that . We recently gave birth to a baby boy and the car was important for everyday commute from daycare to work now I'm stuck with bills and raising a child without any transportation. Please helpDesired Settlement: I just want the vehicle back without the fees that they might try to apply

Business

Response:

The financed collateral was repossessed on 2-22-14 for non-payment. On 2-20-14 our office received notification that the funds for the pay by phone transaction which was originally applied to the customers’ account on 2-14-14 was not honored by their bank. Following the returned payment, our office attempted the available numbers on file for the customers. As Mr. [redacted] had not updated his contact numbers with our office, the cell number on file we attempted was disconnected. Our office made several attempts to Ms. [redacted]’s cell number on file however repeatedly received the message that the number we were attempting was outside of the coverage area. As the customers had supplied two non-sufficient funds payments in a row and due to the severe delinquency of the account, our office exercised our right to recover the financed collateral. Our office has since supplied the customers with the information necessary to recover the financed collateral as well as mailed documentation detailing the amounts necessary to reinstate the contract and redeem the vehicle. While the allotted time to redeem the collateral expired on 3-12-14, should the customers want to recover the collateral they should immediately contact our Redemption department to discuss their options.

Review: I made a payment to lobel financial on 12/18/2015 for the amount of 276.00 and I have the receipt from the money order and they reposed my car saying I did not pay in december which I did and not one time did they call me and say they never received a payment the only thing I received from them was a letter saying I had no insurance which I did at that time (the month of december).In january I took the insurance off due to switching insurance companies.They were rude and would not tell me anything for several days and made me add my wife on cause she was on the insurance policy then they told me my car was up for repo without any notice to me they just took my car and the money order I sent them still has not been cashed and they say they don't have it but I should have been told it was not received and I would have made an extra payment to avoid all of this.This is the second vehicle I have had with them so why would they just take my car when I make my payments every month.I received letter after letter about the insurance one minute I had it and the next I didn't I even tried to send them a email of the insurance and they blocked me so it will not go through.Desired Settlement: I would like to have my car back and have the repo removed off my record because I was not informed or contacted about a payment not received I thought I was all caught up and only owed for this month,the money order still has not been cashed so I don't know what became of it all I know is that I sent it in december and if they would have contacted me about that payment my car would still be here with me. I payed off one car with them so why would they illegally take my car.The rep was rude and told me to get a refund for the money order cause they don't have it.

Business

Response:

Lobel

Financial disagrees with the customer’s contentions therein. The financed collateral was repossessed for

non-payment on 02-23-2016. We made numerous

attempts to contact the customer beginning 12-09-15. In addition to our attempts to contact via

phone, we mailed statements on 12-22-15, 1-21-16 and 2-22-16 all of which reflected

the past due amount. Following the

repossession of the collateral, the customer confirmed he no longer retained

the telephone number on record and updated his account with a new telephone

number. The customer has since paid the

necessary amounts to redeem the collateral.

Review: I have been making my payments to Lobel on time and prompt. I also have carried full coverage insurance on the vehicle that is financed since day one. I am being told that they have not had proof since October of 2013. My insurance agent [redacted] ###-###-#### has contacted them multiple times. I have been in conference calls with her and Lobel. She has faxed proof multiple times and emailed proof multiple times. I have been trying to get this taken care of for two weeks now with no success. I have contacted Lobel every day and keep getting told they have not received any proof or that they will follow up in a couple of days. I just spoke to a supervisor that told me she will forward my information and I may hear back from them by monday or I can try to call back on friday. When I asked that we take care of this while I am on the phone I was informed that it is not their job to contact the insurance agency. Even though I informed her that we have tried multiple times to get this taken care of. She basically gave me the same response as the people that are not supervisors. I was told that I could not wait on hold for a supervisor because they dont want to stop incoming calls. The supervisor and every person I talked to said that their computer indicates that my insurance agent refused to take the fax number. She did not refuse she told them she already had the correct number and didn't need it again. This has been their go to answer every time I have called. "can I give you the fax number". I was also told that if it was faxed after three they dont receive it because they do not receive faxes after hours for the next day. I have been on the phone with them every day to try to resolve this and keep getting the same run around. This is starting to affect my payments and my credit. They have taken out money for insurance that was not part of my payment which is showing that my payments were not fully made and are nearing the ten day late grace period. I have no idea where to go from here.Desired Settlement: I would like to have my payments reposted and the late fees taken off. I also would like this company to send a formal appology to my insurance agent and my cosigner. Also I believe that this should be made publicly known so that others can see the trouble that I have had with this company and how uncooperative they are with their customers.

Business

Response:

Management has reviewed the customer’s complaint. Insurance is received and processed by a third party vendor. As Lobel Financial does not physically receive such documentation we cannot confirm receipt of faxed proof of insurance until after it has been received and entered by the vendor which takes approximately 3 business days. Additionally, we are unable to accept verbal verification and must receive the required proof in writing. As a courtesy and in response to the customer’s complaint we directly contacted the customer’s insurance company, [redacted] at ###-###-####. Their office faxed all required proof of insurance on 3-13-14 and we have since made the necessary adjustments to the customer’s account. Additionally, our office has also reversed the late charge of $15.00 incurred. The customer’s account is reflected in good standing with their next schedule payment not due until 5-2-14. The account reflects proof of full coverage insurance valid until 6-20-14. Should the customer renew their policy with [redacted] in June 2014 we ask that they immediately forward the renewal documentation to the provided fax number to ensure the proper processing/handling.

Review: I have a loan with Lobel Financial and currently I am close to 2 months behind. Since March 10th I have received numerous call all throughout the day. They have call my phone, my husband's phone, my work number, my husband's work number and my references all in one day but also call more than once in the same day. My husband has also received text messages from an unknown number after Lobel calls stating "can you answer the phone please" My mother-in -law is listed as a reference and so is my friend and they continue to call them more than 1 x a day. Also providing them personal information about my loam. Like us making a partial payment that is not acceptable and how far behind we are. This is harassment at it's finest and I need for this to be investigated. There is no way that I should have 56 calls from them just between me and my husband in the span of 16 days. That count doesn't include my 6 references that I had to list I have to assume that they have receive a call at least once a day adding that to the count that would be 96 calls between the 6 of them.Desired Settlement: I would like an adjustment in my bill and for them to stop contacting everyone and to only be contacted 1 once week if I am late.

Business

Response:

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.

Review: This finance company reposessed my vehicle for lack of an insurance. I have had insurance for the duration of the loan. I called and had documents faxed over and here we are in february and my car is reposessed due to no insurance. Although I was at the moment 2 and a half weeks behind on the payment, I had made every other payment since the start of the loan. I never recieved a phone call or letter from them other then the first paperwork I receive when I first got the car. When I called the next day to find out what was going on the worker tried to confirm my contact information and saw that my telephone numbers had been input incorrectly and stated "oh thats why you didnt call us back".I tried to explain the fact that I would have not only called back but also provided the necessary documents had I known that there was a problem.They have continued to tell me that this situation is entirely my fault and that I am responsible for any fees incurred. I feel that I do not need to pay towing and storage fees for this vehicle but they continue to tell me that none of this their fault. They say it is my fault because I didnt have insurance or provide accurate insurance information. This company is bad business and in the future would not only never do business with them but would never reccommend them either, they have no business ethics and could care less about the consumer.Desired Settlement: I feel that I should either be given the car back at just the cost of my 1 payment behind, plus late fees. I feel thats fair. This entire situation could have been avoided and I dont feel that I am at fault. If they cannot do this I feel they should let me out of the contract and pay me back my down payment.

Business

Response:

The financed collateral was repossessed on 3-3-14 for the amounts due for January and February 2014. Following the repossession the customers provided our office proof of comprehensive and collision coverage. After the necessary adjustments, the customers were informed that their account remained in arrears for the amounts due for February’s payment and that as they were in fact delinquent the repossession would stand. Our office provided the customers the necessary information to recover the financed collateral on 3-5-14, 3-6 and 3-10-14. On 3-14-14 the customer made our office aware they had no intention on recovering the collateral. As the customers confirmed they received our statements and/or notices with regards to their payments as well non-receipt of insurance we are unable to make any further adjustments. Should the customers have any further questions regarding the amounts owed they should contact our office directly at ###-###-####.

My husband bought a truck from a dealer who uses lobel financial once we tried to contact them they were very rude and would not send us a copy of payments made how much was left on the loan or where the down payment that we gave to the dealer the day we bought the truck was. One person at lobel told use that when we paid the truck off then the down payment would be used then but when we paid off the truck they said that person was wrong and they wouldn't tell use where the down payment was and hung up on use we have still not been able to contact them they hang up on use everytime . Never go through lobel financial beware

Review: 2 weeks aftee obtaining a loan for a 2007 Honda civic the bank repocessed the car claiming it was still under a repo order from the previous registered owner to no fault of my own this was on March 8,2016 I am still without my vehicle even though they took the car unlawfully they violated my privacy because they shared information with a 3 rd party without my consent. How else would they know where to find the car but from the info contained in my finance application. They have been rude and absolutely of no help when contacted. The dealership has been great but the finacial company has no customer gratituity or even the slightest concern about their customersDesired Settlement: First payment deducted being I still do not have my car and only had it for 2 weeks my car and the personal property be returned and depending on when it is returned I should not have to make a payment until the car has been in my pocession for a full 30 days

Make them pay for violating my privacy

Business

Response:

Lobel Financial disagrees with the customer's contentions therein. Nonetheless, we are in communications with the customer regarding this matter.

Review: These people from this companie supervisors and regular employees have been calling my phone harassing me threatening me to pick up my car telling me I'm behind in payments won't correct the payments that have been paid payment history list refuse to make an appointment for me to come meet with them with my bank history payments showing how I payed to them.which she refused Hanging up in my face being very unprofessional telling me they don't meet with people like me that they're not making the meeting if I want to come down there just to come but they not setting a meeting up.. I talk to several employees and they told me that they was going to fix it and have the supervisor to call me no one ever called me back about the problem.

first payment was may 28th 2014 For 261 dollars and 70 cents

May 28th 2014 $261.70

June $200.00 payed July 23rd 2014

July $200.00 payed July 23rd 2014

August 300.00 payed August 25th 2014

Add June - August I owe $61.10

September $261.70 payed September 18 2014

October $261.70 payed November 6 2014

November $195.70 payed December 1 2014 owe $64.00

December $208.70 payed January 9 2015 owe $53.70

January $261.70 will be payed Feb 5 2015 which is tomorrow and I told her that I'll pay it tomorrow when I come down there I told her I don't have A address because I'm homeless now and she told me she's going to have them to pick up my car if I don't make a check out to them now say my payments are 53 days behind I don't see how with the format I just gave you of my payments which shows when you add it all up I'm only -$178.80 I really hope you guys could help me settle this because it's getting very very stressful.Desired Settlement: wish for them to stop harassing me calling me all times of the day it would be nice if they can email me only if that is impossible only have supervisor contact me Only. fix my bill to the payment in the plan that I had to set up of how I payed my bills when I talk to the people so there's no more misunderstanding. fix my credit that they have marked repeatedly.It will be nice to have a meeting and settle this like civilized people. Thank you

Business

Response:

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 normal business hours.

Consumer

Response:

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.

[Since the day I decided to contact Revdex.com it seems that the company Lobel financial has tried to find more ways to add money like an extra $200 that I will not pay.The only money they will get for me is two hundred and fifty three dollars and seventy cents which is the car payment for every month which is stated on my contract more nothing less. The the amounts I should have paid 10 months is 2,357 dollars and as of today March 12th I have paid 2,357 dollars which leaves my payoff balance 3,070 dollars which is not included the finest fee of 1,750 dollars that I have to pay for 29 month of service.I will call the company Lobel financial only to make a payment Thats Its.]

Regards,

Review: I bought this vehicle and owed 6357.00 around that amount I volunteerly gave vehicle up to company unable to afford at time. I was paying the balance of 1740.00 off that was left after the sale of said vehicle.I called today 6/27 and spoke to a female who threatened me and said if I did not finish paying amount they would take me to court I asked what the amount was and it was not what I had . The company was not to add interest on the vehicle and I had paid a 1000.00 out of the 1700.00 which I would owe 700. 00 the lady told me it is 1245.42 interest is 30.00 a month I told her than I would be paying the whole vehicle off and they would have made an extra 4900.00 off of me ,she did not respond but to yell at me and threaten me. She said I could do a payoff and wanted more than half I told her I would give the company 240.. she said no manager would reject they want more than half. I feel I am being taking advantage of and I told the lady this from the company all she said is will document refusal to pay and I never refused to pay I've been paying every month.Desired Settlement: I fill that the company has been paid for said vehicle and that I should not owe anymore due to the fact I was have been paying since the sale of said vehicle and for threats

Business

Response:

Management has thoroughly reviewed the customer’s account. The customer’s deficiency balance after the sale of the collateral was $1,706.29. This amount is in fact subject to interest. Following the charge-off, our office has received $950.00 to date. The customer’s current balance required to consider the account paid in full is $1,318.41 which is valid through 8-8-14. Though not obligated, our office would be willing to discuss a potential settlement should the customer offer what we believe to be a fair and reasonable amount. Should the customer be prepared to make such an offer she should contact our Legal Department directly at (714) 995-3333 during normal business hours, Monday through Friday 8a to 5p Pacific time.

Thank you.

Consumer

Response:

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 feel that paying the proposed amount from the company is not okay. I feel that since I gave the car back an was willing to pay the 1718.00 was sufficent an to pay more than that is not acceptable when I was told no interest would be incurred on my account an for the companys employee to speak to me the way she did was in fact unacceptable. I will pay the 750.00 an it be paid in full with the 950.00 I have already given the company.]

Regards,

Business

Response:

Hello,

Please find our final response in reference to Complaint ID [redacted]

Our office maintains the position as stated in our initial response. The retail installment contract signed at the time of purchase discloses all amounts required to be paid as well as describes any amounts that may be incurred as a result of default. As mentioned in our original response, while we are not required to accept less than the amount we are entitled to, our office will review and consider a potential settlement should the customer contact our office.

Review: The recent encounters I've had with the collection department of Lobel Financial have been very unpleasant to say the least. The approach that these so called debt collectors or financial counselors have is very immature. They are harass you for being 30 days late and if they contact you they expect you to answer immediately or they begin calling you through private numbers. What I don't understand is why do they not leave you a voice mail if they need to be contacted so badly. Also I asked the person who called if I could return their call because I was at work but she continued to pursue a payment of method. As I told her the date and where I'd be making the payment she grew very angry and called me rude! I have had other encounters with them and they've threatened me before if I didn't make a payment and because I've been delinquent they have some type of grudge against me. I feel there customer service in collections needs to be fixed and they need customer service training. From many experiences with customer service reps, I have never felt more harassed and insulted in my life. This company is not only rude but there payment methods are very sketchy. They keep your checking account on file ready to use even if you ask it not to be. I used my boyfriends account once so they can use but they still have his info. When I've asked for pay off amounts at the office it comes out to different amounts when others have asked for me at other financial institutions. Also they say your payments won't go through on time, even though they have a sign that states it will be, if you pay at the dealership where you've purchased the car from. This business needs an all around fix but I would start with the customer reps they have in collections. Believe me this is not the only complaint I've read so much more about them and I'm sure I won't be the last.Desired Settlement: I'd like a formal apology directly from Lobel and the rep who was rude to me and who kept harassing me. I'd also like for them to call at appropriate times and if they'd like for me to call back to leave a voicemail. Also have them stop calling with a private number.

Business

Response:

Management has reviewed the customer’s complaint. We would like to extend our appologies to the customer for any unpleasant experience she may have experienced through our office. As our office may contact customers via our automated telephone dialer system we are unable to guarantee that a voice message is always left or that the caller ID may always be displayed. To ensure there is no miscommunication or misinterpretation of our intent to contact the customer and secure a payment or discuss payment arrangements, the customer’s account has been updated to reflect that we cease and desist all further telephonic communication. We will gladly continue to service the customer’s account should she contact our Customer Service Center directly. It will be her responsibility to ensure her payments are made in a timely manner and that any event of delinquency be reported directly to our office. As our office is a separate entity from the dealership she referenced in her complaint, we cannot speak as to what signs they may or may not have at their location and want to reiterate this is not a payment option offered by Lobel Financial. Additionally, should the customer’s boyfriend want to block the ability to process a future pay-by-phone transaction we will gladly do so. He should contact our office directly and supply the full checking account number and we would be happy to update our records. We appreciate the customer’s feedback and will take the necessary to ensure she and all other customers are met with oustanding service.

Review: I was told by an employee [redacted] back in oct I was able get get a deferment after sending in a balance of 35.00 because I had to be current on the account. I sent the money by money gram as normal and called him as requested .[redacted] then advised me he was sending over the email now and then he had told me to write a request to change my payment date which would give me more time.Needless to say I did both. Now today its stated they cant do both and decided to change my payment date .the valls are stated to be recorded in which I have gone as far as asking them to pull the calls and I was told no .It didnt matter to them what I was told but this means alot to myself because that payment was requested along with decembers payment im not rich and no I did not have both,january comes around and I will love to pay the two payments that are really do but I cant the car has been repoed saying theres been no payments since oct true the last time I had spoken with [redacted].I myself have not paid ontime but I paid had I knew I could not do both change the due date or defer a payment I would had defered the payment.Now since I have complained the car has been repoed and the only way I am able to get it back is to pay off the loan.As I spoke with all the rude reps when I asked prior to november how much did I owe it was 100.00 but I was told to make a 35.00 paymentDesired Settlement: I would like them to honor what was told to me to do when I called in. I would also like for them to produce the recording of the call . As they say the calls are recorded I was called a liar in so many words.I would like the option of getting my car back by coming current and not paying off the loan. I also would like each and everyone I spoke with that refused to pull the call to be coached better on how you handle what you say to customers not everyone is a liar atleast look into the matter

Business

Response:

Management has thoroughly reviewed the customer’s account. Our office received a request from the customer dated 10-31-13 requesting a change in her monthly due date. We have no notations or documentation indicating that a deferred payment was being requested. Nonetheless, while a customer may be eligible to request a deferment that is not confirmation that it will be approved. Each account is individually reviewed for eligibility. Should an account not meet the requirements, the request may be denied. While calls are randomly monitored and/or recorded for quality assurance, any calls dating back to the requested time for review would no longer be available due to length of time that has passed. The customer was verbally provided all information necessary to recover the financed collateral on 1-21-14. Documentation confirming/providing the same information was generated and mailed the same day. We apologize for any unpleasant experience the customer may have endured as a result of this dispute and appreciate her feedback as it allows us to investigate her concerns and review and re-evaluate the servicing of our customers.

Review: This company has stolen money from me. I have made a payment with a check and I sent them bank statements that show that the bank paid the check but they wont acknowledge my bank statements. Then I made a payment and call the customer service office and told them of my payment and they then repo my car. I am going to now sue this company for fraud and theft of my payments that I have been making and they have not been applying to my account.Desired Settlement: I need my car back or they will face the biggest law suit in that company's history.

Business

Response:

Management has thoroughly reviewed the customer’s account. The financed collateral was repossessed for default of the October and November payments. The customer has been advised that his bank did not honor check number [redacted] in the amount of $405 and that he should further confirm with his bank as to the transaction history for that particular check. The customer has since paid the necessary monies to redeem the financed collateral.

Consumer

Response:

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

Review: I purchased a vehicle and provided insurance to them at the time of purchase, faxed from my insurance company. It was accepted and I drove away with the car. Almost 1-month later I received a letter from them stating I needed to provide insurance coverage or they would add on their own loss damage waiver fee. I had my insurance company again fax the policy to them. 11 days later I received a letter from them that they were adding on to my payment the fee for the non-Proof of insurance. Once again I had my insurance company fax it to them with the fax number they provided. After that and several calls to them later they have not received it and that they have a third party insurance department that handles all of this and as soon as they are notified it would be corrected. I then went to the local Lobel Branch in my city and provided them with a hard copy and they themselves at this branch faxed it to the insurance fax number and the branch MGR had submitted notations in my account referring to what was presented to him about my insurance coverage. several days later I called the main branch in Anaheim CA, to verify all things have been taken care of. They stated that they have not received any information concerning my full coverage insurance and are still charging me the extra fee each month until they get the notification of insurance covered. This place is pulling a scam to get extra money by playing stupid and not helping to solve the issue and are passing the buck to another department for delays which will net them more money each month. I have made so many calls and have had my insurance company fax twice and have had my local company branch fax and make notations on my account to stop this double dip by them while they know it it being done to net them more money each month and me as the buyer has zero control and am at the mercy of their will and their control.Desired Settlement: To stop with the loss damage waiver claim and stop trying to charge me extra money every month for no proof of insurance when multiple times my insurance has been provide. Also credit my account for the fees they have charged me, for this so called no insurance loss waiver fee.

Business

Response:

Lobel Financial has contacted the customer’s insurance company directly. We have confirmed and obtained proof of valid full coverage insurance and made the necessary adjustments to the customer’s account. Any and all fees previously billed have been removed. The customer’s Lobel account now reflects a credit in the amount of $114.00 towards his next scheduled payment which is due 04-13-2016.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], 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,

Review: Lobel financial would not allow me a simple 48 hrs to give them two past due payments on my vehicle . I was behind because of financial hardships not due to my actions. They verbally threatened to have me arrested and press felony charges against me if I did not surrender the vehicle . The repossession driver was also kind and felt lobel was bullying me . I was served to go to court twice o did not appear as I was getting panic attacks because I was unsure of their ethics and practices nor did I have the finances to travel 40 miles to court . I didn't want to put my family and myself in a situation I felt would become violent at lobels behalf . Now they are garnishing my wages I cannot give them anything . They continue to bully me and cause extreme anxiety I am being pushed and I don't feel like living because of their harrasment.Desired Settlement: I want them to stop bullying me and leave me alone . They had an opportunity to get the owed money and turned it down . It is not in their interest to sell cars and collect the payments they make more money through strong arm and extorting people with the help of courts through their lies I WANT THEM TO DROP IT IT'S THEIR FAULT NOT MINE.

Business

Response:

Management has thoroughly reviewed the customer’s account. Our office initiated contact with the customer on 10-1-13 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 10-23-14 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 12-4-13 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 1-15-14 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 9-22-14 and a garnishment order was served upon the customer’s employer on 10-21-14. Currently, a hearing has been set for 12-19-14 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 $60.00 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.

Review: I'll start out by saying I've had full coverage on my truck since the day I drove it off the lot. Lobel however refuse to listen to that and has gone as far as telling me that on the 16th of July 2015 the called state farm and were told by two separate people said I pulled my truck from my policy. The funny part is when I call my insurance company not only do they say that I've always been covered and that teyve never said that but they've never even had employees by the names I was given. I get 1 to 2 calls a day from them along with my dad,mom,grandmother and friends. They've been charging me and additional $60+ a month for their insurance with the promise of refund once I prove that I'm covered.unfortunately it seems proving them this is imposable. I've had my insurance call them email them and finally fax them over my insurance records but they conviently never get them and I'm stuck paying extra for nothing in fear my truck will be wrongly repossessed.Desired Settlement: I just want my money back or at the very least them to understand that I have insurance stop harassing myself and family and credit what I have paid so far towards my remaining balance.

Business

Response:

Upon receipt of the customer’s complaint, our office again contacted

the customer’s insurance company directly.

We have confirmed with State Farm that the vehicle was in fact never

deleted from the customer’s policy and has been insured since the

inception. We have made the necessary

adjustments to the customer’s account and removed all previously applied

physical damage protection charges. The

customer’s account now reflects the next scheduled payment to be due 3-10-16. Our office will contact the customer as well

to confirm all appropriate adjustments have been made.

Review: Not only has this company continuously lost my payments that have been turned in directly the customer service is awful. I understand trying to get a "collection" but there are ways to do so without allowing your employees harass, threaten, disrespect, and scream at the consumer. To drop names [redacted] is a very unprofessional employee who does all of the above. Not only will they steal your money and lie about ever receiving a payment they also allow their employees to treat you horribly. I highly do not recommend this company. I would rather be paying a higher payment and intrest rate then be doing business with this horrible company.Desired Settlement: Honestly I would love for them to find these "lost payments" that I have made and actually keep record of my account instead of stealing money. Another thing that would be nice is if they got rid if employees like [redacted] and actually hired people that won't scream in your ear and disrespect you.

Business

Response:

Management has thoroughly reviewed the customer’s account. To date our office has received a total of 3 payments totaling $913.72 which have been applied to the customer’s account. The customer has made our office aware that she has taken payments directly to the dealership where she purchased the vehicle. We have informed the customer that the dealership is a separate entity and in no way affiliated with Lobel Financial. We have further made her aware that as Lobel Financial is the lender servicing her account that all future payments should be made to our office directly and not the dealership and we cannot be held responsible for any payments made to their lot. We have generated a payment history statement detailing the dates and amounts of all received payments and ask that the customer contact us should she have any questions and/or have proof that Lobel Financial is in receipt of any additional monies not credited to her account.

I have a auto loan with Lobel Financial. The representative took multiple payments out of my account without reading me a disclaimer or given permission by me to do so. Lobel will not return your calls and they will accuse you instead of taking responsibilty. Unlawful conduct by this organization.

Review: I was sick and out of work. Reps from lobel advise me to apply for a deferment program due to me not working. Yet I do so and the rep said I would need to make another payment and resend the paper work so they can process it. If I do that it would be the third time. I was only doing what I was advised to do from a lobel rep and now it srems like it is some game. I already sent. Paper work they asked for twice and know they are asking for me to do it again. In the begaing it sounded good, like they where gonna help, and now just stressing me out more than anything. To top it off they said I was going to make a payment and I never said that, they say the phone calls are recorded for QA, so I would like to hear where I said that.

Also, I went to the website to try and contact some manager, president, but you cant you have to go through customer service phone system and any one can be manager.Desired Settlement: For lobel to approve deferment due to illness which they have proof and which I was only following the advice of lobel reps.. And put off payment off till the end of contract. In which I don't have to make another payment and resend any paper work for approval.

Business

Response:

Lobel Financial has reviewed the customer’s complaint in

detail. The customer was informed on

9.17.15 that based on his delinquent payment we would not be able to process

his deferment for the August payment. He

was informed that once August was completed he should contact our office to

complete the request. Though the

customer completed his August payment on 9.24.15 he did not follow up with our

Deferment Department. An individual from

our Deferment Department followed up with the customer on 10.1 and 10.2 and

left voice messages regarding his request.

Our office is happy to extend a deferment for his September

payment. We will make an additional

attempt to contact the customer to complete the process. If we are unable to reach the customer, we

ask that he contact our office no later than Friday 10.23.15 to process the

necessary deferment fee to defer his September payment.

Consumer

Response:

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.

Lobel's records are wrong I was advised about the deferment program in July, yet due to me not having proof that I needed to apply for the deferment program. Once I had my surgery I had proof that I was sick and not working.I sent in the paper work and nothing was done. I received a call saying I was late on a payment and my van was up for repossession. A Lobel rep said if I made a payment of $181 and some change and resent the paper work I would be defered. Well a week later I get a call from Lobel rep. Saying that I will not be approved unless I make another payment and resend the paperwork. At this point I contacted the Revdex.com. Also, the deferment I was requesting was for 6 months, since I was out of work for so long not just for September's payment. Plus Lobel stated they contacted me on 10-1, 10-2 and left messages which is false. My wife and I where contacted yesterday 10-8 for the first time since I sent a complaint to the Revdex.com. If needed I can have my phone records pulled for proof. Again Lobel needs to review records and who knows maybe employees.

Regards,

Business

Response:

Lobel Financial maintains the position stated in our

original response and disagrees with the customer’s contentions therein. Our office has since placed another follow up

call on 10-14-15 and mailed correspondence to the address on record requesting

the customer contact our office. As

referenced in our original response, our office has approved a one month deferment. The policy of our office does not allow more

than a single monthly payment deferral and would be unable to accommodate the

customer’s request to defer 6 monthly payments.

We are more than happy to work with the customer however, ask that he

contact our office to discuss all options available to him.

Review: I would like to make a complaint about a past due amount of 367.34, that was generated due to a fee that my auto loan financing company, Lobel Financial, is trying to collect on. I have on numerous occasions verbally, physically and in writing tried to get clarity to this amount. From my experience the representatives are unfamiliar with the company’s documentation and no one will take the time to review it and properly see what my issue is and correct it, if necessary. I am fully aware and understand what their stance is on this fee. If you fail to maintain insurance coverage on the vehicle they charge a fee for each month the vehicle is not covered; it is called a loss damage waiver. This protects them and waives my contractual requirement to provide comprehensive and collision coverage. If during that coverage period any type of comprehensive or collision damage is done to the vehicle, a 500 deductible can be paid by me and they would fix the damage. According to the loss damage waiver I signed and a letter which was sent to me on October 25, 2013, if my account becomes more than 10 days past due this coverage no longer applies. If the coverage no longer applies, why would the fee still be applied to an account which is past due the following months thereafter? During the months this fee was applied November 2013 -February 2014 my account was consecutively 30 days or more past due. Clearly the waiver does not apply at that point. If during that time I did have damage they would not have covered it, but they still want to charge the fee? That does not make sense. On February 27th, 2014 I sent a letter with all supporting documentation asking for an explanation by certified mail with a signature receipt, which was received. I walked a copy into my local branch and they called their Anaheim branch to ensure receipt and they also faxed a copy. I also in turn faxed a copy into their Anaheim branch, just to make sure there were no excuses of not getting it. I have even tried on numerous occasions to explain to their collectors who call relentlessly and they always say they are going to have someone call or hold on while they get their manager and the manager always seems to be busy. I have even made a complaint on April 14, 2014 through the Attorney General in that area with all my supporting documentation and to this day neither they nor I have received any response.Desired Settlement: I would like the amount removed and get my current payments properly reported to the credit bureaus.

Business

Response:

The company has reviewed the customer’s account and complaint in detail. While we contend that the customer did not maintain continuous insurance coverage at all times we have reversed all physical damage protection fees applied since the inception of the loan. Moving forward, it will be the customer’s responsibility to ensure the vehicle has physical damage coverage at all times. In the event that her insurance coverage lapses, our office will no longer provide physical damage protection to cover any losses.