Pribanic & Pribanic, P.C.

Initial Business Response /* (1000, 9, 2015/07/02) */
Response: Research has been conducted in regard to the Revdex.com Complaint Case #XXXXXX, with the Consumer Info being identified as *** *** and the Business Info as Central Bank of the Ozarks
The consumer complaint states that prior to the
repossession of his vehicle, no Right to Cure notices were sent to himOur records indicate the first Right to Cure was mailed on March 30, 2015, requesting *** in past due paymentsThe second Right to Cure was sent April 29, 2015, requesting *** in past due payments
Forced placed insurance was added to the loan on May 14, Our insurance tracking system shows no evidence of insurance was provided by Mr*** in response to our numerous letters requesting information, with the first letter being sent on March 16,
Our collection notes indicate Mr*** called on June 3, stating that payments were mailed on June Earlier payments he sent had been returned because of first a bad address, next a stamp had not been placed on the envelope
Mr*** did make an online payment on June 18, but rather than 6:PM as he states, our system shows the payment was made at 9:PMThe website clearly states, payments made after 6:PM are credited the next dayThe payment was made from an account at the Central Bank in Lebanon, which has no connection to our bankCentral Bank of Lebanon informed us the payment was made from a closed account and the funds were not available, so the payment was reversed
*** *** *** our repossession agent, provided the following report regarding the repossession of the Subaru Outback from Mr***: The repossession happened between 7:and 7:PM, (which was prior to Mr***'s attempt to pay per timeline above)A US Probation Officer, *** *** was also at the property at the time of the repossessionThe agents drove the vehicle to a nearby convenience store to complete the condition report, then took the vehicle to *** *** at *** ** *** The bank received a condition report from Repo Handling at 10:AM on June 19,
In conclusion, we regret that Mr*** feels that the bank handled his account in an incorrect wayBut after researching the events that took place between March and June 18, we are certain that all disclosures and notices were sent when necessary with instructions on how to avoid collection procedures, and the information provided above clearly refutes the claims made by Mr*** in his complaint
Initial Consumer Rebuttal /* (3000, 11, 2015/07/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First they have claimed that there were two right to cure notices sent, one in March and one in April, however this was a right to cure concerning INSURANCE not delinquent paymentsA simple reading of their response would show that this is true as they actually mention that a "Force Insurance" was added after the second right to cureFurther they do not go into detail concerning their advancement of the loan to which zero notice was made prior to repossessionThe fact remains that NO right to cure was ever sent about the payments at any point, they further advanced the loan with no notice prior to the repossessionThe emails from Mr*** *** to myself are in evidence and show that this rhetoric on their part is a lie plain and simpleFinns admits that there were two right to cure sent one in March and One in April and that BOTH concerned th insurance issues and NOT the delinquency of any payments
Further, according to the LAW a right to cure cannot be sent PRIOR to a delinquency and March would have been PRIOR to any payments due at all, therefore, there could have been NO Delinquency and a right to cure would have been outside of the lawThis shows that they are both lying and attempting to cover their own misdeeds, which now means it is not a simple mistake but a knowing and willing violationI still ave the letters, and the emailsThe proof is thereThey are lying to protect themselves from their misdeedsI do not accept this response for that reasonFurther, I had provided proof of insurance at the time of delivery of the vehicle, again in Marc and again in April and My insurance agent contacted them in April and was told that the matter was solved, on a RECORDED callThese blatant attempts to cloud the issue and to outright LIE about it will now become a matter for the courts
Final Business Response /* (4000, 13, 2015/07/07) */
We have provided our comments on this complaint and have no further comment
Final Consumer Response /* (4200, 15, 2015/07/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There is no proposed resolution hereThis company has lied, and on research it appears that Both the former Empire Bank and the Later Central Bank of the Ozarks has a history of things like thisThere is a history of suits against themI would have accepted a simple return of the vehicle in the same shape it was in when it was taken, but it is obvious that this bank refuses to follow the law, and seeks to manipulate and obstruct rather than do the right thingSo be itMy complaint stands

Initial Business Response /* (1000, 5, 2017/02/03) */
The funds will be returned to the U.S. Treasury on Monday, as the funds were attempted to be deposited into a prior closed account. Monday is the earliest the funds can be returned.