RBC Royal Bank #2217

Hello,Please find our response in reference to complaint ID [redacted] below: Lobel Financial has reviewed the customer’s account and complaint in detail.  Upon contacting the seller regarding the customer’s complaints, the dealership has paid off the customer’s loan in full.  The...

customer has a zero balance with our office and the tradeline account with Lobel Financial has been deleted from her credit.  Thank you.

Hello, Please find Lobel Financial’s response below: Lobel Financial maintains that our office acted appropriately however, as an accommodation, we would like to discuss resolution directly with the customer.  We have reached out to the customer directly and left a voice...

message.  We ask that the customer contact our office at her earliest convenience so we may resolve this matter in a satisfactory manner. Thank you,  Lobel Financial CorporationPO Box 3000Anaheim, CA 92803-3000(714) 995-3333

Hello,Please find Lobel Financial’s response below: Lobel Financial resolved this matter directly with the customer on 7-29-2016.  The customer was informed that the vehicle was repossessed for non-payment and unrelated to any insurance charges.  The customer was able to redeem the...

financed collateral later that day.   Thank you,  Lobel Financial CorporationPO Box 3000Anaheim, CA 92803-3000(714) 995-3333

Lobel Financial Corporation disagrees with the customer’s contention therein.  The financed collateral was repossessed for non-payment.  Our office provided the necessary information to the customer to redeem the collateral on multiple occasions.   Lobel Financial Corporation has...

proceeded at all times as provided by law.

Lobel Financial disagrees with the customer’s contentions and acted properly at all times and in accordance with the original retail installment sale contract.  Nonetheless, we have made numerous attempts to contact the customer to discuss her concerns.  We invite the customer to contact...

our office directly as we are happy to review this matter and discuss resolution.

Revdex.com:
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,
[redacted]

To Whom It May Concern, Please see below for our response to complaint id [redacted]: We are unable to reference an account with the information provided.  Please provide additional identifying information such as the Lobel Financial account number, the customer’s social security number...

and/or original address as provided to Lobel at the time of the loan’s inception and we would be happy to review the customer’s account and said request.

Hello, Please find Lobel Financial’s response below: The title was released on 12-29-2016 however Lobel Financial would like to further discuss resolution.  We have reached out to the customer on 2-10-2017 and 6-7-2017.  We ask that the customer contact our Servicing Department...

at his earliest convenience to discuss this matter.    Thank you,  Lobel Financial CorporationPO Box 3000Anaheim, CA 92803-3000(714) 995-3333

For your review, please see Lobel Financial’s response to COMPLAINT ID#[redacted] below: Lobel Financial disagrees with the customer’s contentions.  In response to her dispute and complaint, we made adjustments to the consumer’s account and responded under separate cover.  The customer...

has since redeemed the financed collateral.

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

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.

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

Please be advised that Lobel Financial responded under separate cover on 11-8-2016 with regards to an Attorney General complaint.

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.

For your review, please see Lobel Financial’s response to COMPLAINT ID#[redacted] below: Lobel Financial disagrees with the customer’s contentions and acted appropriately and in accordance with the retail installment contract signed at the time of purchase. We are happy to supply a copy of the...

customer’s contract and detailed account history should she request such documentation.The customer has paid the applicable late charges that were incurred from the inception of the loan and satisfied her account balance in full.  As a courtesy to the customer, we have updated the 30 AND 60 DAY late marks reported to her credit tradeline in April and May of 2016, to reflect as IN GOOD STANDING.  The status of her account reflects – PAID ACCOUNT – ZERO BALANCE.

Lobel
Financial has reviewed the complaint and disagrees with the customer’s
contentions therein.  The financed
collateral was repossessed on 3-01-2016 for the contractual monthly payments
due for January and February.  Our office
has contacted the customer’s insurance company...

directly to verify and obtain
the required proof of coverage.  As we
have confirmed the customer has had valid insurance coverage since the
inception of the loan through 10-6-16, we have made the necessary adjustments to
her account and removed all related charges. 
As the collateral was repossessed for non-payment and unrelated to any
amounts billed for physical damage protection, we are unable to reimburse any
fees incurred as a result of the customer’s default.

Lobel Financial has reviewed the customer’s account and
complaint in detail.  Following the
repossession, the customer confirmed that as an additional driver of the
vehicle and payer on the account, he wanted to allow his girlfriend to receive
account information.   As adding...

authorized users requires the party’s
information and only grants limited access to account information, the customer
and his girlfriend rescinded their request.   The customer has since paid the amounts
necessary to recover and redeem the financed collateral.

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

Lobel
Financial has located a customer account with an employer phone number as referenced
in the complaint.  We have updated our
records to reflect no further calls be placed to the business phone number
[redacted].

For your review, please see Lobel Financial’s response to COMPLAINT ID#[redacted] below: Lobel Financial disagrees with the customer’s contentions therein.  Lobel Financial has previously supplied a copy of the customer’s original Retail Installment Contract and Security Agreement.  We...

invite the customer to contact our office directly at 714.995.3333 so we may discuss her position.