Lobel Financial

Review: On Dec. 8, 2015 I wrote a check for my car payment and mailed it on Dec. 9, 2015. I realized after dropping it in the mailbox that I wrote it from a bank account that I closed. Correcting the error, I went to my local Lobel Financial branch in Tucson and paid them with a check from the correct account on Dec. 9, 2015. They took the payment and told me to call the corporate office and let them know so that the check could be destroyed. Immediately after leaving I contacted them and the customer service representative hung up on me. I then called back and the 2nd customer service person told me that they do not flag checks and that it was my problem. I then called back a 3rd time and spoke to what was supposed to be a supervisor named [redacted] and was assured that he would personally handle the matter. I gave him the name of my previous bank as well as the account number and he told me that he would make sure the check was not submitted and that I would not be assessed any fees. In good faith I accepted his help and thought nothing more of it until I received a letter from the Lobel accounting department telling me that I need to make the check good immediately or that legal action may be taken against me. I called and although I asked to speak to a supervisor immediately, I had to explain the situation to yet another representative and she told me that a supervisor named [redacted] did not even exist. She agreed to finally let me speak to a supervisor but told me that although the first person failed to do what they told me that the fee would not be waived. She then forwarded me to [redacted] who refused to provide his last name and he said that he too was a supervisor and that there really was a [redacted] but he was a customer service lead. [redacted] told me that I could disregard the letter that I was sent because they are auto generated but that I would have to pay a $35 fee. I did everything possible to remedy this situation and do not feel I owe a fee. Payment due on 16th.Desired Settlement: I would like the $35 fee removed because I do not believe I owe it. I have paid more than the amount of my payment on time every time and did everything I could to resolve the matter and inform them of the situation well in advance of them receiving the check in the mail and well in advance of my payment even being due. I was told by [redacted] that he was sorry that I received inaccurate information from [redacted] and I personally find their customer service practices very unprofessional. I will be sure to tell everyone I know to NEVER do business with Lobel Financial.

Business

Response:

Management has reviewed the account and customer’s complaint

in detail. As our office automatically processes thousands of payments

received via USPS mail on a daily basis, we are unable to flag/remove such

payment instruments. Nonetheless, as a courtesy to the customer, our

office has waived the $32.00 returned check charge applied to her account.

Review: I have had the same issue twice in the last year with this organization. I have faxed and emailed my insurance information to them 7 times. They continue to maintain they did not receive it. They use a third party vendor to verify insurance. They have continued to harass me in the last three weeks saying I'm behind because they have added their own insurance to the loan. I have never had a lapse in coverage, I simply changed insurance providers. They have now threatened to repo the car for their mistake. They need to make the proper adjustments to my account and actually give some customer service.Desired Settlement: Adjustment to my account and not to report to the credit bureaus.

Business

Response:

Hello,Please find our response in reference to complaint ID# [redacted] listed below: Lobel Financial has thoroughly reviewed the customer’s complaint and account in detail.On 9-9-15 and 9-23-15, our office verified insurance coverage with [redacted] and [redacted]. On 9-9-15, [redacted] verified the customer’s insurance policy became effective 10-24-14 and cancelled on 6-2-15. On 9-23-15, our office verified directly with [redacted] that the customer’s policy with their office became effective 6-25-15. Our office has since made the necessary adjustments to the customer’s account. While the customer is still responsible for a pro-rated amount from 6-2-15 through 6-24-15, the adjustments made did positively affect the status of the account. As a result, our office requested that the credit bureaus remove the negative 30 day mark reported for the customer’s September 2015 payment and be updated to reflect as CURRENT.

Review: My husband and I purchased a 03 yukon on May 6, 2014 trading in our only vehicle for it. By July it was not running (fuel pump went out) and my unemployment stopped. I did not receive a phone call from Lobel. But they did contact my brother in law as well as my mother. I called and spoke to Rosalie, who was very nice and helpful. Seemed understanding to my situation. She was aware of the vehicle not running & my edd. I scheduled a billing arrangement with her to come our on aug 22. It did not try to come out until aug 25 , unfortunately only half the funds were available because I used my card at the gas pump. I did not find out about this until later. We got our vehicle fixed. Borrowed $500 abd got it back sept 3 @ 7:30 pm. It was taken my a tow truck at 9:30 pm. No warning. No certified letters nothing. We weren't even 60 days past due. I understand we were late but I had no warning nothing. We contact lobel the next morning. Trying to get my truck back abd I spoke to 4 different people that day they were going to cancel the loan. That they will not let me get it back unless I had 7k dollars. I contacted the dealership. Because I needed help. They contacted lobel as well, they didn't think.it sounded right either. I get a call two days, later from the dealership stating that lobel will now let me get my truck back if the dealership cosigns ... which sounds fishy to me. Abd I had to pay $1100 to get it back. I don't have that kind of money. I feel like I've been scammed.Desired Settlement: Id like to have my vehicle back, but honestly if I dont want to deal with this loan company again. So u.professional. id like for repo not to be on my credit report.

Business

Response:

Management has reviewed the customers' account. Our office made several attempts to contact the customers to secure payment when a pay by phone transaction was not honored by their bank. When neither a payment was received nor contact initiated with the customer, our office took the necessary steps to secure the collateral. Our office verbally informed the customer of the amounts necessary to recover the collateral and have no knowledge of any discussions she may have had with the selling dealership. The dealership has since repurchased her contract from Lobel Financial. As our office no longer holds an interest in the vehicle nor services the customers’ loan they should contact the dealer directly should they have any intentions to recover the collateral.

Review: They are frivilous with their servicing practices. I had a reposession not because of payment becuase of a dispute with the contract or misunderstanding. I have been trying to get my car back for over 20 days and the reposession department keeps changing the terms of the reinstatement. Please help as I have invested over 6000.00 dollars and have only had the car for four months.Desired Settlement: I want my car back.

Business

Response:

The financed collateral was impounded by the local police department and repossessed by our office on 12-13-13. As the local police department placed a mandatory 30 day hold on the release of the vehicle, the customer was advised proof that the police department was dismissing the mandatory 30 day hold along with valid registration and insurance was required. The customer has since complied with all necessary stipulations, paid the necessary monies and redeemed 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 appear below.

The reason I am not fully satisfied with this response is simple; I did receive my auto back but, Lobel has many issues on how they handled this. Obviously, I was in the wrong or the car would not have been impounded however; I resolved this by rectifying both the 30 day hold through a tow hearing where the local Commander allowed me to retrieve my vehicle once my licensing issue was resolved which it was within one week of the tow. Once I arrived at the local SB County Sheriff's department with my license, insurance and current registration, I paid the impound fee and was told my finance company had repossessed the car. I contacted Lobel and they explained that I violated the contract. I replied with an appropriate response asking how I would retrieve my vehicle. I will not go into the details of this as to their response however; what I will say is that I have never in my life ever been treated as customer so poorly. In fact, what I will say is that they have some of the most extremely rude representatives I have ever dealt with. I was actually lectured, talked down to and even hung up on by them. Now I am not a perfect person, I can admit that our conversation did get heated however; their representatives were astonishingly the most disrespectful individuals I have had interfaces with. As I stated, I was extremely upset and was probably very difficult to deal with however; my experience with them was horrible.

Review: They have been provided my vehicle insurance information several times faxed 15 times. They continually call to say I am behind in my payments because they have added insurance to my vehicle. My vehicle has had continual insurance since the first day I acquired the vehicle. They call daily and hang up. This is harassment and I have asked that they stop calling me and stop assessing additional insurance on my vehicle which is fully covered. The letter they sent me had a 714 area code and now they are saying they have a 888 area code for the faxes and it takes several days to receive faxes. I have the confirmation that all the faxes have been receive.Desired Settlement: I want them to stop assessing additional fees and calling and harassing me for the monies that are not owed.

Business

Response:

Management has reviewed the customer’s account and complaint

in detail. While our Servicing Center is

located in California and may be contacted directly at [redacted], insurance

is received and processed at an alternate location as indicated on our mailed

correspondence. Following the customer’s

complaint made directly with our office on 4.24, we contacted the customer’s

insurance company, [redacted], and obtained proof of coverage valid until

8.7.2015. We have made the necessary

adjustments to her account and removed the applied physical damage coverage. An account supervisor left a voice message on

4.29 to follow up and inform the customer of the adjustments made to her

account. Should the customer experience any

future issues providing proof of insurance coverage, we ask that she contact

our office directly and an account supervisor would be happy assist her in

rectifying the problem.

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. Although I have not received a call from the company at all Only contact from them was a statement still showing an additional amount due I will retain a copy of the complaint and response. My insurance company had previously responded to their request for proof of insurance on several occasions I attempted to speak with an account manager and was denied access I also requested the owners information to speak to them personally to resolve this issue and again I was denied the information All attempts to resolve this matter with their customer service department fell on deaf ears I would like to thank the Revdex.com for their assistance.

Regards,

Review: Yesterday 4/28/2015 I arranged a promise to pay on 5/6 after my car payment was 30 days past due. Today 4/27/2015 I was called again by a different employee being told my promise to pay was not good enough, I argued with the collection officer before hanging up on her, she was rude, pushy, and insulting. Even referred to me as a "lowlife" at one point for not making a better attempt to pay, I don't get paid till the 6th absolutely nothing I can do.

Shortly after her COLLECTION MANGER called and asked if I had a bank account, I said I closed it 2 months ago. she asked me to give her the routing and account number for the promise to pay, I said no that's illegal the accounts closed, she then threatened to collect my car if I didn't, I told her I would not risk jail time for a 200 payment. She said the "hot check" information would be the only promise to pay she would accept. I refused to give her the routing and account number of the closed account, she replied she would make a note on my account that I am uncooperative to pay, even though I made a promise to pay 24 hours prior to this discussion

This is illegal, and borderline harassment.Desired Settlement: As an acting sales manager she should KNOW that using bank account information on a CLOSED bank account is illegal, and punishable by law. She should NOT be in charge if she practices illegal procedures.

Business

Response:

The customer’s account and complaint have been reviewed in

detail. On 4.29, our office had multiple

conversations with the customer which resulted in profanity toward the account

representative and later, the account supervisor. Our office contends that when

the account supervisor requested to process a post-dated transaction to avoid

any further collection efforts, she informed the supervisor that she did not

have a checking account, began to use profanity and eventually disconnected the

call. We want to assure the customer that any

complaints and/or allegations are taken very seriously and fully investigated. The

customer has since initiated further contact with our office and surrendered

the financed collateral to our office.

Should she have a desire to recover the collateral, we would be more

than happy to discuss the options available to her.

Review: My name is [redacted] and I have an auto loan with Lobel Financial. On Tuesday December 9,2014 a repo agent went to my home looking for my vehicle which is about 40 days past due. I am currently in the process of filing bankruptcy and I have retained an attorney. I was not home at the time the agent knocked on my door and gave a third party all of my personal information in regards to my situation. He also, advised the 3rd party that I was going to be charged with a felony because he spotted the 3rd party driving my vehicle. The 3rd party recorded the entire conversation on his phone. I am very much aware that I will not be charged with a felony for a vehicle being 40 days past due and I have not been spotted in the vehicle by the agent and refused to give up the vehicle because I been out of town due to a death in my family. I worked in auto finance collections for 8 years and 4 of those years I was a team lead so I am very much aware of the practies, the laws, and the FDCPA. I know the repo agent should have not disclosed any information to a third party, the agent not once asked if I was home to speak with me directly. He told the 3rd party that he was going to have the police come to my house and open my garage and charge him with a felony. The 3rd party has nothing to do with my loan or my situation and should have NOT been threaten nor should have the agent released any information to him.Desired Settlement: I will provide my case number from my attorney as soon as I am given one. I do not wish for this company or other companies offlicated with this company to continue to release my personal information with any third party or this is something that I will take to my attorney to handle as well as my Chapter 13 BK.

Business

Response:

Management has reviewed and launched an investigation into

the customer’s complaint. The

aforementioned repossession vendor has provided a written statement describing

their account of the events that transpired. While the vendor’s statement is contrary to

the account described in the customer’s statement, we have cancelled the use of

their services and documented their vendor file. As the customer has referenced that she has

retained an attorney, no further telephonic communication has or will be made

to the customer until further notice. We

ask that the customer’s attorney contact our office directly at their earliest

convenience to discuss resolution.

Review: Lobel financial is the company that holds my car loan. I pay them every month for my car. Starting back in October of 2013 lobel financial was claiming we did not have insurance coverage and started charging us almost 100$ more a month. We in fact have always had car insurance and there has never been a lapse. I have contacted my car insurance company USAA over 20 times and USAA has contacting lobel financial each and every one of this times. USAA has faxed them proof of our insurance and last coverage. They have also called lobel and spoken to supervisors on the phone that stayed the problem would be fixed. This is now April and this has yet to be fixed. We have been paying 411$ a month since October and our regular payment is $331. They owe us credits of almost $300 and they are still stating they have not fixed the problem. Lobel financial proceeded to repo my car Sunday morning April 6, 2014. I have been trying to clear all this up and pay what it is I REALLY owe them and they are giving me the run around and stating they don't even know our balance and they will not let us get our car from the repo place until lobel financial contacts us on their own time. We have spoken with 4 different people from lobel financial this morning alone. I took today off work to get my car that should have never been repossessed. I am now going to have to pay all these fees to the repo company and lobel for them repossessing my car because of their own error!!!!!!!!! They refuse toCooperate and allow me to pay my actual balance (credits included) and because of this my car is sitting and accumulating more charges!!!!!!! They employees are rude and disrespectful. The supervisor assigned to my loan doesn't know how to do her job, she is extremely unprofessional and I feel she is purposely letting my account accumulate all these charges. I work full time I work hard. I have 3 kids and a fianc to support. I've never not paid them. We need help getting our car back!Desired Settlement: We want our car!!! We want all the repossession charges to be refunded to us and we want lobel financial to step up and do their job!

Business

Response:

The financed collateral was repossessed on Sunday 4-6-14 for failure to complete the amounts owed for February and March and is unrelated to any amounts owed for applied physical damage protection. Following confirmation of the repossession and appropriate fees from the repossession vendor, our office provided all necessary information to the customer on 4-7-14 to recover the financed collateral. On 4-8-14 the customer contacted our office and provided a confirmation number for funds generated to redeem the vehicle. Our office immediately generated a release to the repossession company allowing the customer to recover the collateral.

These people really don't seem like they know what they are doing. Not very friendly. I went in to the Tampa office and they wouldn't take cash. So we had to find an amscot to get a money order. She didn't know how to do the intake and when I asked for a balance she said I had to go online e to get that. She was rude about it. When I first got it the person didn't even know what they were doing.

Review: Purchased 2001 BMW 325 CI From CarMax in Fresno, CA 5/15/2013 signed contract with Lobel Financial for 30 payments of 298.50. Received payment coupon monthly never any additional fee. Came home in July 2015 to a flooded home. I spoke with Lobel on numerous occasions concerning situation. With no opportunity to pay on line .Some time around midnight on November 17,2015 car was repossessed . Called Lobel was informed car had been repossessed, I went to Fresno with a Cashier check in the amount they dictated of 947.00 in which I was told would bring everything current. With no explanation of charges along with additional fees of 51.00 to the tow company. Payment one month late and additional payment 17 days late. So payment #29 was made Dec. 2015 and payment #30 was made Jan. 30 2016. Instead of the Title from Lobel I get a call telling of an outstanding balance that has changed three times from 5??. , 3??. and 2??. Having spoken to a different person each time either through me calling them or them calling me which is two to four times daily. Have been told numerous reasons as to why I have not received Title as of yet. They are telling me it is due to late charges which has never been stated any where until it is the end of contract. If there had been late fees they should have been noted monthly or surely when car was repossessed, I was told I had to bring everything current in order to get car back. so from Nov. 17, 2015 till Jan. 2016 I have an unexplained fees of 2 to 5 hundred dollars in fees. Not good business !!!Desired Settlement: Would like to have Title to vehicle and any derogatory ratings removed from History from 11/15- to present

Review: I have contacted Lobel on many occasions regarding my pay off amount for my vehicle. Every time a different customer service agent gives me different amount. I requested that a letter be sent to me of my pay off amount and also asked what amount or portion of my car note is being applied to my principle. The agent could not answer that saying that she does not have access to that information. I asked to be transferred to someone who could help me and ([redacted]) stated she is not allowed to transfer me, that she would mail me a letter with the requested material. Upon receiving the letter a month and second call later. I called again to have the letter explained to me because the letter and the amounts just didn't add up I was connected to the same Representative when I asked the same question she hung up on me. I called back and received the same representative [redacted] and she was very rude and nasty and refuse to help. As a customer I should be allowed to inquire about my account and the company is not allowing me to do so.Desired Settlement: I want to know how much of my car note is being applied to my principle. I want to be able to call this company and ask questions about my account and not be handled in the manner that I have dealt with

Business

Response:

Please find our response in reference to complaint ID# [redacted] 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.

Review: I sent my oct. On the 3rd of oct. Lobel called me twice the 2nd call I called them back the same day oct. 24 they said you are 14 days late. I said you need to check again and gave them my usps cashiers check # I payed $5 for the postal service to do a investigation. Called Lobel 4 more times to make sure they still haven't received the payment and each time they said no. I asked Lobel how long they think the post office will take they said 2-4 weeks. I was already 14 days behind according the Lobel so I felt pressured to make a payment over the phone even though I ALREADY paid $300 so I made a payment using my debit card. A week after I payed with my debit card I received it the nail from usps that Lobel financial deposited the cashiers check oct. 7th.! I asked them to credit my account $8 because that was the fee to use my debit card. I called them oct 5th about the fee and the manager called me back 6 days later on veterans holiday ,They said it's not their fault!Desired Settlement: Refund of the $8 fee. The ONLY reason I used my card is because Lobel called twice and said I'm 14 days behind my car payment and they cashed out the check over a week before calling me. I still have proof from the United states post office.

Business

Response:

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 $8.00 payment to his principal balance as reimbursement for the pay-by-phone fee. Should the customer be able to provide proof of the $5.00 investigation fee paid directly to the USPS, we are happy to reimburse him for that as well.

Review: I purchased a car and Lobel is the loan holder, when I purchased the car I was told I had to accept their temporary insurance coverage in order to get the loan, come to find out that was illegal. I then received a bill for non compliance of insurance coverage,and they tried to place their own this is 2 weeks after I bought the car (I'm insured fully)..They then stated the insurance forms were wrong and that they are suppose to be the lien holder not where we purchased the vehicle...that was corrected by me...today I received another late payment for 25.00..I have full insurance and have never been late these people just seem to want to get more money in any manner they can.Desired Settlement: fix

the billing issues and trying to get more money than owed

Business

Response:

Management has thoroughly reviewed the customer’s account. As stipulated on the retail installment contract, in the event the customer fails to provide proof of comprehensive and collision coverage, our office may force place physical damage protection to cover the vehicle only. It is then the customer’s responsibility to obtain liability coverage as required by California law. As the proof of insurance supplied to our office was not effective until 10-4-13 the customer is being charged a pro-rated amount of $4.54 for 2 days of physical damage protection. Should the customer be able to supply proof that the vehicle was covered from 10-2-13, the date of purchase, our office will gladly update our records and make the necessary adjustments.

Review: I was behind on payments was on the phone with Lobel and the repo guy came and took the car they wouldn't call them and tell them they I was making a payment and then refused to take any form of payment unless it was paying off the full amountDesired Settlement: since they don't want my business and would not except my payment I would like my down payment back so I can try and get another vehicle

Business

Response:

Management has reviewed the customer’s account in

detail. The financed collateral was

repossessed on 4.28.15 for breach of contract as the customer failed to pay the

first payment listed on the installment contract. The customer was provided redemption information

verbally and written documentation detailing the amounts necessary to recover

the financed collateral was also mailed to the address on file. We have also reviewed the agreements with the

customer as disclosed on the installment contract that he signed at the time of the

purchase. Our office has spoken with the

customer on multiple occasions following his complaint and confirmed he is

unable to redeem the 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 appear below.

[I contacted Lobel on 04/28/2015 the day my car was repossessed I asked if there was anything that could be done short of paying it off in full I was told at that time that was the only option but a letter would be mailed telling me all the details of the case I waited for about a week to get this letter it never came so I called them to see once again if full payoff was my only option I was again told yes this was my only option I spoke to about 7 to 8 different people no one told me about the fact if I could come up with $668 I could get my car the keep asking me what my address was over and over I guess that was one of the reasons they took the car in the first place I keep giving them the address I got their bills and all the welcome letter they sent before this mess started and no I have not moved nor do I plan on moving anytime in the near future and if I do I would tell them if we were still doing business I knew knew nothing of this $668 dollar to get my car back until last Friday 05/15/2015 when it was to late to come up with that money plus they had the car moved to an auction house that is almost 100 miles away from me with my personal things still in the car because their repo guy did not give me good directions to where my car was until I called just asking where his business was located so I am now out a car my deposit money for that car and about $400 dollars worth of stuff I can't get to so Lobel needs to resolve this issue and stop lying]

Regards,

Review: Three months ago my [redacted] charged Lobel with FRAUD over money they took out of my account which was NOT authorized. They stated they never received my payment yet the check had cleared their [redacted] and mine. They threatened me with reposession if I did not give them a credit card or debit card number to make the missing payment. I did a THREE-WAY phone conversation with my [redacted], [redacted], and Lobel. My [redacted] put a stop payment on the check they claimed never arrived and I gave them my debit card to make the payment. They took out $45 extra that was NOT authorized by me. I had to close my account and start a new account with new debit card. The original check had already clared Lobel's system and they got the extra payment plus extra money from my debit card. Fast forward to today, 4/1/14, I made TWO payments to Lobel in February which eaqualled a total of $1000.00. I made TWO payments to Lobel in March. One on 3/4/14 for $250.00, and another on 3/7/14 for $500.00. According to Key [redacted] BOTH of those checks have cleared but Lovel is stating they have never received any payments in March 2014. I am waiting for the manager of their accounting to return my call because [redacted], the CS who I was dealing with and who told me that they never received any payments in March, went on to tell me what a bad customer I have been and how I never made the payments, etc. To me this is a repeat of what happened in January and I can't stand it anymore. I plan to take them to court for FRAUD. Meanwhile I know I will get threatening calls telling me they will repo my car over all of this. Can you help me at all?Desired Settlement: I want Lobel to show the past payments on my account. The original loan in May 2013 was for $4000.00. As of TODAY, 4/1/2014, my account is still at 3838.73. What happened to the $1000.00 they received in February? What happened to the $750.00 they received in March? I HATE this company because they are fraudulent and have not applied my payments to my account.

Business

Response:

Management has reviewed the customer’s account. Currently the last payment received and credited to the customer’s account was on 2-10-14. While the principal balance/amount financed was $4,100.00, the customer must also consider the amounts applied to interest, late charges, return item fees and/or applied physical damage protection. The approximate payoff, should she pay the loan in full, as of today is $3,288.17. On 4-1-14 the customer contacted our office stating she had sent a payment in the amount of $250.00 on 3-4-14 and $500.00 on 3-7-14. We have asked her to obtain the check/reference numbers of the payments issued so we may further investigate. In the meantime, Lobel Financial will generate a copy of the customer’s detailed payment history statement and payoff letter to the address on file. Should the customer be able to provide proof of payments received by our office but not applied/credited to her account we will gladly research and make the necessary adjustments. Additionally, should she be able to provide proof of valid comprehensive and collision coverage for the financed collateral, this too may adjust the amounts she owes.

Review: On or about January 1st 2015 I called and spoke to a employee of Lobel, her name is [redacted] and I let her know the account I was calling in regards to an I was told that it was closed an paid in full. Then today 3/7/2015 I received a bill for 1706.29 to be paid in full. I truly do not know what type of scam they are pulling but I will not pay this all over again. I have not heard from them since I was told it was paid off an then know I get this, is that how they run there buisness? They sent it to a collection agency RGS my account was [redacted].Desired Settlement: To let the collection agency RGS know it's paid in full. And do not send me another bill.

An to receive letter stating paid in full.

Business

Response:

Management has reviewed the

customer’s account in detail. As documented via her Revdex.com complaint filed

in July of 2014, our office informed the customer of an unpaid account balance

in the amount of $1318.41 which was valid through 8.8.14. Following our

response, fees in the amount of $10.78, $10.78 and $150.00 were accessed as

well as payments in the amounts of $50.00, $104.00 and $50.00 were

received. When the customer contacted our office on 12.24.14 she was

quoted a balance of $1285.97. The customer stated she was unable to pay

at that time but agreed to pay $50.00 on 1.7.15. As the customer

failed to follow through with the agreed amount, our office was forced to

review and prepare her account to be sent to a collection agency. Upon further review, our office was able to waive the $150.00 fee as we decided

against pursing litigation for the unpaid balance.

Additionally, interest in the amounts of $38.96 and $9.90 were applied since

the last balance was provided to the customer on 12.24.14. These fees,

less the adjustment

brings her total balance to $1184.83.

The original amount issued to the collection agency solely

reflected the original charge-off amount of $1706.29. Our office has contacted RGSF

and informed them of the correct balance, $1184.83. Should the customer

have proof of any additional monies paid to our office but not credited to her

account, we would be happy to review and make the necessary adjustments.

Without such proof, our office maintains that a balance is owed and would be

unable to issue a letter stating otherwise. As the customer’s account has

been sent to a collection agency, she should contact their office directly to

discuss payment arrangements and/or a potential settlement.

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 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 full. When I spoke to rgs the gentleman stated it was sent to collections for the amount of 1708.00. I told them that its been over 3 months since I was told account paid in full and know they sent me something from collections. I will be getting ahold of consumer watch and the channel 30 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 full. I really do feel they are trying to take advantage and I am a hard working mother. This complaint has nothing to do with July's complaint because I did pay no I refuse to pay it again.

Regards,

Business

Response:

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.

Review: This is the SECOND time I have had to file a complaint towards Lobel Financial. The only thing that has changed is I am not getting rude calls from [redacted]. However I am getting calls at around 9pm which for one is unprofessional as well as illegal since it is after business hours. On top of this I am still getting harassed. Because of the constant harassment I have been notified by my doctors that my anxiety is higher then usual and I risk having a heart attack because of the constant harassment. I have payed EVERY bill one time if not early. I have proof of all this. Lobel has constantly been harassing me since February saying I have missed a payment. The fishy part about this is first I was missing a payment in December, then they decided to change their story and tell me that they where missing a payment in January, then once again changed their story and told me they where missing a payment in February, now they are saying not only am I missing a payment for March (but the other months they claimed they never received anything for me are good magically) they are now missing payments from the last 45 days. This has to be impossible since there are checks addressed to LOBEL FINANCIAL and the money has been taken out of my account. Once again I have proof of this which has been sent to Lobel quiet a few times. I have also been getting told that I have no insurance when I have sent them copies of my insurance over 5 times. I have looked over the criteria they expect from me for insurance and not only have met what they need but also exceeded some of the things they want out of my insurance. This company is A SCAM!!!! I can promise I will be getting a lawyer (one in which has won over 5 cases against Lobel for participating in their scam).Desired Settlement: I would like for Lobel to stop trying to Scam me out of money that I have already paid. If they would stop trying to steal money from me I would continue my business with their company till the remainder of my loan is up then part ways and never think about receiving a loan from them again. However if I continue to have my health endangered and continue to get threatening/harassing phone calls every single day at all hours of the night I will be getting a lawyer involved and I will be suing the.

Business

Response:

As the law defines calls placed from 8a to 9p local time as an acceptable time to communicate, our system may attempt to contact a customer at the time specified. As the customer has informed our office via her Revdex.com complaint that she finds our calls to be harassing we have updated the customer’s account to reflect a cease and desist for all telephonic communication. We will gladly service her account and answer or address any questions or concerns should she contact our office directly however no further outbound calls will be placed to Ms. [redacted]. It will be her responsibility to make her payments in a timely manner and/or report any delinquent payments directly to our office. Currently the customer’s account is 39 days delinquent for the total amount of $685.72. While our office did in fact receive a personal check from Ms. [redacted] on 6-2-14 we were unable to deposit the payment as the signature line on the personal check was blank. Our bank referenced that they are unable to accept/deposit a personal check not signed by the accountholder. The original unsigned check was remitted back to the customer. We ask that the customer immediately remit payment and/or contact our office to discuss potential payment arrangement.

This company has intentionally set me up for a lawsuit. I had my car repossessed . The next day I started contacting them to find out what payoff was. It's now 8 days later I still cannot get a breakdown of my payoff even though I have called every day to be put on hold for 20-30 minutes at a time and still no help. I faxed them my request in writing still no information. They said someone will get back to Me by Tuesday which just happens to be 3 days before the payoff amount increases . They're stalling to get more money out of me and as far as I know I have every legal right to pay my loan off within 15 days. They claim they sent me a letter which of course I never received. This is going to cost me my job because they are keeping my vehicle hostage and I have said repeatedly I want to pay this off . Impossible if they won't give you the information. They are very rude and greedy. And should not be in business because they do no even adhere to customers legal rights. So they force you to take costly legal action just to redeem you vehicle which also by that time your vehicle has accrued extensive more costs. Please make this company follow legal guidelines.

Review: My car was Repo'd over $8.00 I paid 1108.00 to get my car back. I ask why I wasn't contacted about the situation they told me the did contact me. I then told them you don't know when you called me the call dropped, and I tried to call back two other time and the call dropped. The told me sorry ma'am our phone systems were down at that time. This just doesn't make any since first of all for my car to be repo'd over $8.00 and the fact that they say the contacted me while their system was down. Not to mention they have horrible customer service.Desired Settlement: I would like a refund back, or I would like the funds credited to my account.

Business

Response:

Lobel Financial has reviewed the customer’s account and

complaint in detail.

Beginning 10-22-15, our office made numerous attempts to

contact the customer to collect the past due amount $458.18 owed for September

and October. On 11-3, the customer was

offered an arrangement to make a minimum payment of $8.00 to partially satisfy

the September 2015 payment. Though the customer did authorize such

payment, the transaction was not honored by her bank and returned to our office

on 11-6-15. We made attempts on 11-6 and

11-7 to initiate contact and collect the amounts due. As the customer failed to satisfy the

returned payment and was delinquent for amounts owed for September and October,

the financed collateral was repossessed on 11-10. As the account was in fact 55 days delinquent

for September and October at the time of the repossession, we would be unable

to reimburse any fees. The customer’s

account is now in good standing with a next due of 12-16-15.

Review: The most recent issue is due to paying off my Truck thru Western Union. I was told this would allow Lobel to release my title and mail it to me once the funds were confirmed. I paid the vehicle off on 10/13 and now I am told they won't even put the tilte in the mail until 11/3/2014. I am being told that this is their practice to delay sending the title for 3 weeks. I spoke to 6 different people and no one will help to get my title in the mail even though they were paid certified funds.

The earlier issue was a missrepresented GAP insurance policy. I was told it was mandatory in order to get financed and I later found out that the policy was not mandatory but I was refused a refund for the unused portion of the insurance. I disputed this policy for over six months and never received any resolution.

Lobel has all this information documented and they refuse to help with any type of resolution.Desired Settlement: I wan't a $500 refund for the GAP insurance policy and I want my auto title in a timely manor.

Business

Response:

Hello,Please find our response in reference to Complaint ID #[redacted] below: Our office received the customer’s final payment on 10-14-14. The customer was informed on several occasions that the title and correspondence confirming the fulfillment of his account would be released following the 15 business day processing period. Our office released the title on 11-3-14 as agreed. Additionally, as per our conversation with the customer on 11-11-14, a check in the amount of $495.00 was issued and mailed on 11-12-14 as a refund for the GAP policy.