RBC Royal Bank #2217

The financed collateral was repossessed on for non payment for the amounts owed for November and December 2017. The customer was verbally provided the necessary amounts to redeem the collateral on and 1.15.18. At this time the customer supplied proof of a cancelled
insurance policy. Written notification detailing the same information necessary to redeem was generated and mailed on 1.15.18. Should the customer have any further questions regarding her proof of insurance or redemption of the collateral we urge her to contact our office directly at (714) 995-

Hello, Please find our response below: Lobel Financial disagrees with the customer’s contentions and maintains that all appropriate documentation was provided. We kindly direct the customer to review her Motor Vehicle Contract and Security Agreement which outlines her
obligation. As a creditor has an obligation to report the true and factual account status to the credit bureaus, we would be unable to remove the current status being reported but have updated the dispute. We would like to suggest that the customer contact our Legal Department directly at (714) 995-3333 to discuss any and all options. Thank you, Lobel Financial CorporationPO Box 3000Anaheim, CA 92803-3000(714) 995-

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 $returned check charge applied to her account

Hello, Please find Lobel Financial’s response below: The customer’s complaint pertaining to the service received from our office was received and documented by the supervisor on 11-26-2016. We sincerely apologize again for the less than stellar service the customer may have received
and want to assure her that quality service is of the utmost importance and we will continue to strive to exceed our customers’ expectations. Thank you, Lobel Financial CorporationPO Box 3000Anaheim, CA 92803-3000(714) 995-

Lobel Financial Corporation has previously communicated the insurance requirements directly with the customer. While our office is unaware of any issues with the customer’s registration we have reached out to the customer to assist or direct him to the proper authority

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

Lobel Financial disagrees with the customer’s contention therein. Though we understand the customer’s position, upon review of her account, the customer purchased the approximately year old vehicle from the dealer AS IS with no warranty. Pursuant to the customer’s request and to avoid
any misunderstanding or misconception with regards to the nature of courtesy calls, we have updated her record to reflect as cease and desist. No further outbound communication will be placed to the customer though we will gladly service her account should she contact our office

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

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

We have contacted the customer's insurance company and confirmed insurance coverage since August 1st of We have made the necessary adjustments to the customer's monthly payment and reversed the applicable late fees A voice message has been left for the customer at the number on
record to communicate the appropriate information

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

Lobel Financial has reviewed the customer’s account in detail. Due to an unintentional clerical error, the title was released to a dealer in Colorado. We want to assure the customer that upon discovering what transpired, we worked diligently to correct the mistake. We have received
confirmation that all parties involved have completed their part and the title has been transferred into Ms*** name only. As the title is directly issued and released by the DMV, the customer should receive it by mail. If the customer does not receive such documentation we ask that she contact our office directly and we will be happy to help facilitate in any way we can

Lobel Financial and all involved parties have completed the necessary steps to title the vehicle in the customer’s name. As an electronic title is held by the California DMV,it may only be released by their office The customer will receive the physical title directly from the DMV by mail

Lobel Financial has confirmed the provided insurance coverage since the inception of the loan and disagrees with the customer’s contentions therein. Nonetheless, we have cancelled the physical damage protection coverage. It will be the customer’s sole responsibility to ensure that the
collateral is insured against loss

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 supervisorOur 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 investigatedThe
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

Lobel Financial has reviewed the customer’s complaint and
account in detail. The customer inquired
about adding his wife as a user on his account and was provided the necessary
information to submit his request. On
6-3, our office informed the customer that the signature on the
authorization
request did not match our records and he was instructed to resend and our
office would further review. He was made
aware that these requests are subject to approval and that it was up to the digression
of our office to honor such a request. The
customer was again provided the same information on 6-5. A notice regarding the repossession was
mailed on 6-5-which provided the information necessary to redeem the
financed collateral. When the customer
contacted our office on 6-to inquire about an extension of time, he informed
our office he was not willing to supply the requested information to add his
wife but needed more time to recover the vehicle as specified on the notice
previously mailed. He was informed that
we would not be able to speak to his wife regarding his account and again
provided the information to request additional time to recover the collateral. The customer’s final day to recover the
vehicle is Monday 7-6. As the amounts
owed to our office are his past due monthly payments and the fee to repossess the
collateral which was incurred as a result of the default, we are not able to
waive those amounts. As our office does
not directly retain the vehicle and assess daily storage fees, we cannot
guarantee his request to waive, but are happy to attempt to mediate and
negotiate daily storage fees on the customer’s behalf. If he is interested in recovering the
vehicle, he should contact our office immediately so we can attempt to accommodate
his request

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 $owed for September
and October. On 11-3, the customer was
offered an arrangement to
make a minimum payment of $to partially satisfy
the September 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-and
11-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 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-

Lobel Financial has reviewed the customer’s account in
detail. The current account balance as
of today’s date, 9-16-15, is $430.84.
This balance is subject to change based on the date final payment is
received and/or if any payment provided is not honored. We are happy to issue
a payment history statement
and review with the customer should she have any questions. Additionally, an account supervisor has
placed a call to the customer to confirm if she needed clarification on her
account. Upon speaking with the
customer, the customer informed the supervisor that she had no questions
regarding the balance and would call back when she was prepared to make her
final payment The supervisor provided her direct contact information to the customer in the event she had any future questions

While Lobel Financial disagrees with the customer’s contentions, as an accommodation, we have deleted the tradeline from his credit. The customer should contact our Legal Department directly at 714-995-3333 to discuss the account and amounts owed in detail. Thank
you, Lobel Financial Corporation

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***