LOBEL FINANCIAL CORPORATION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/18/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NV 89129	Web
COMMERCIAL AFFIDAVIT OF TRUTH IN FACT NOTICE OF BILLING ERROR 12 CFR 1026.13 Attention XXXX XXXX XXXX as Chief Financial XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, CA XXXX I am XXXX XXXX XXXX the natural living woman and executor creditor, lender, administrator, holder in due course, and custodial trustee of the Oceans XXXX XXXX XXXX XXXX XXXX XXXX I Herein declare and affirm that I am standing in my general master power of attorney in fact capacity. Stating on the record for the record that I am of legal age, competency, and sound intellect in law. For aforementioned affiant, XXXX XXXX XXXX and every derivative or variation. I hereby revoke, resend, cancel, abrogate, void, ab initio all signatures belonging to me. Any alleged consent is null and void as it is given under duress by mistake and/or by fraud ( VI XXXX ). MATTER : Affiant : as a consumer, knowingly and willingly entered into a credit transaction and trust relationship with seller XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX for a XXXX XXXX XXXX XXXX : XXXX. Affiant acted in honor and good faith entering into a security agreement inter se. SUBJECT : I have noticed several billing errors in the Truth and Lending disclosure section of the retail installment contract and security agreement. The first one being section C itemization of amount financed number ( 12 ) where it states affiant was financed {$17000.00} which is inaccurate. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the Truth and Lending disclosures is defined as : a cash advance which is received in return for a finance charge within the meaning of the Truth and Lending Act and regulation Z which is applied in whole or substantial part to purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with with the creditor by common control, contract, or business arrangement. Under regulation Z also known as Truth or Lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. Notice of billing error ( 12 ) CFR 1026.13 ( a ) ( 4 ) a reflection on a periodic statement of the creditors failure to credit properly a payment or other credit issued to the consumers account. 1026.13 Comment ( d ) ( 1 ) -4 Automatic payment plans-coverage. The coverage of this provision is limited to the card issuers automatic payment plans, whether or not the consumers asset account is held by the card issuer or by another financial institution. It does not apply to automatic or bill-payment plans offered by financial institutions other than the credit card issuer. 1026.13 ( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error. The next billing error can be seen is de facto. The TOTAL OF PAYMENTS ( XXXX ) as well as TOTAL SALES PRICE ( XXXX ) see XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( E.d.Wis. XX/XX/XXXX ) FDCPA violation. There is no authorized representative other than the appointed attorney in fact by the consumer to receive any credits on behalf of the consumer .Inaccurate finance charge and APR outside of tolerances can result in restitution to consumers affected by such error.Pursuant 15 U.S.C. 1607 ( e ) ( restitution ) 12 CFR 1026.23 ( a ) ( 3 ) ( i ) and ( ii ) the finance charge and APR are two material disclosures that trigger the right of rescission for up to 3 years after consummation if they are inaccurate. I am demanding immediate cease and desist on this account. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with General Accepted Accounting Principles ( GAAP ). These billing errors may be assumed to be willfully intent on misleading and/or deceiving the consumer of the character amount of any debt 15U.S.C.1692e ( 1 ). ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debit shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer is committed any crime or other conduct in order to disgrace the consumer. ATTACHMENT AND SECURITY AGREEMENTS Affiant is aware that she is the only secured party with an attachment in this agreement. Affiant, is the holder in due course and is the only one that has any security interest vested in the beforementioned XXXX XXXX XXXX. Futhermore THE SECURITIES EXCHANGE ACT OF 1934 10b-5 common law fraud rule which provides : it shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails, or of any facility of any national security exchange, 1 ) to employ any device, scheme, or artifice to defraud, 2 ) to make any untrue statement of a material fact necessary in order to make the statements made, in the light of circumstances under which they they were made, not misleading or, 3 ) to engage in ant act, practice, or course of business which operates or would operate as a fraud or deceit of any person, in connection with the purchase or sale of any security. 10b-5 applies to the misconduct of purchasers as well as sellers and thereby allows both defrauded sellers and buyers to recover .This rule imposes an affirmative duty of disclosure. Recently, the United States Supreme court decided thay in an action for damages under rule 10b-5, it must be shown that the violation was committed with scienter, which is international misconduct. : Former obligation is discharged. Affiant is aware people can be tricked and conned into unwittingly reaccepting the obligation if they discuss anything with the creditor once the promissory note has been tendered. The debt is discharged upon tender of the instrument ; It matters not if its accepted or rejected ( UCC 3-603 ). Typically, the former creditor will construct an agreement with the former debtor to convince him/her that the debt must be paid in Federal Reserve Notes ( FRNs ). Per public policy at House Joint Resolution 192 of June 5, 1933, nobody has any obligation for paying in FRNs. The promissory note is an negotiable instrument ( money ) constructed in strict accordance with the UCC ( 3-104 ), and legally discharges the debt once tendered the debt is discharged. Period. Closed-end Credit : The consumer compliance outlook contends that a closed-end credit plan does not require the use of a third party to obtain a loan and creditor does not retain the charge ( i.e. Table 1, finance charge chart ) .Certain security interest charges : any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a requirement for recording the instruments securing the evidence of indebtedness.The commentary states that the entire fee may be treated as a finance charge if a creditor is uncertain about what portion of a fee paid at consummation or loan closing is related to the initial decision to grant credit. STATEMENT : Please provide me with my property of this 1099 OID forma sd well as the corresponding to FinCEN form 101, Suspicious activity Report The tax in question is the original issue discount. The filing of the 1099 OID is not mandatory on my part ( voluntarily ), but on request by me becomes mandatory upon you and if not complied with constitutes a willful failure to file for income tax. The filing of the 1099 OID is to enable the tax charge to return to the source for settlement and the closing of escrow in exchange, Treasury Direct, XXXX. After filing, please return to my possession all the corresponding property that belongs to me. Affiant is demanding affidavit rebutting point for point, also returning in registered mail to the affiant. The claims made by XXXX XXXX XXXX executor creditor and authorize representative for XXXX XXXX XXXX and all derivatives and variations. 28 U.S.C. 1746 Unsworn Declarations under the penalty of perjury wherever, under any law of the United States or under any rule, regulation, order or requirement made pursuant to law, any matter is required or permitted to be supported, evidenced, established, or proved by the sworn declaration, verification, certificate, statement, oath, or affidavit, in writing of the person making the same ( other than a deposition, or oath of office, or an oath required to be taken before a specified official other than a notary republic ), such matter may, with like force and effect, be supported, evidenced, established, or proved by the unsworn declaration, certificate, verification, or statement, in writing of such person which is subscribed to be by him, as true under the penalty of perjury. Sworn, Monday, XX/XX/XXXX By order of : XXXX XXXX XXXX, by XXXX XXXX XXXX, Auth. Rep. ( A.R.R. ) without recourse
04/25/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 95354	Web
They have not responded and have my property and promissory note turned into a security. My signature created the credit and I never received a loan. They are double dipping and improperly reporting the tax as well as identity left. They have caused me great harm and have not lost anything nor did they give consideration which is required for a valid contract. To whom it may concern : LOBEL FINANCIAL XXXX XXXX XXXX XXXX. XXXX, California XXXX RE : Right of Rescission Notice to agent is notice to principle. Notice to principle is notice to agent. I, XXXX XXXX XXXX, Original Creditor and Natural Man hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with LOBEL FINANCIAL XX/XX/2020. I entered into this contract agreement with LOBEL FINANCIAL without : Full disclosure of my right to rescind Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). I have reason to believe that LOBEL FINANCIAL willingly and knowingly took advantage of me and my consumer credit. I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. In addition, I was given false and deceptive information, as I was informed that a down payment of {$3500.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code 1635 : Within 10 ( ten ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. Furthermore, the down payment reimbursement of {$3500.00} + principle and interest as well as the return of property and release of title. RE : Affidavit of Truth This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ), as I was never given full disclosure about my right to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, you LOBEL FINANCIAL failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission. I, participated in a consumer credit transaction and not a loan ; Pursuant to 15 U.S. Code 1602 ( i ) ; Take further notice that Pursuant to 15 U.S. Code 1605, the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, which was never disclosed to me by your organization in direct violation of this law. You LOBEL FINANCIAL also accepted a CASH down payment of {$3500.00} violating 15 U.S. Code 1605 which clearly states : The finance charge does not include charges of a type payable in a comparable cash transaction. Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) ; one can be fined up to {$5000.00} or face imprisonment for up to one year, or both, for giving false or inaccurate information or fails to provide information which he is required to disclose. In this case you, LOBEL FINANCIAL, willfully violated this law when you failed to disclose and provide all information clearly to me as a consumer. Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge, and any security interest becomes void effective immediately. Take further notice that 10 ( ten ) days after your receipt of this notice, you must return any money and property given as earnest money, down payment, or otherwise. Also, you shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction and placed on the property which in this case is a Your theft of my property twice now and the great harm it has caused me is a violation of multiple laws and morality. Will be filling irs forms to begin a full forensic audit of the account. As well as notifying the SEC, SOS, FDIC, DOJ, OCC, CFPB, DFPI, to start. I will also report to the USPS and XXXX for mail fraud. Your failure to comply with this rescission will result in civil liability for fraud Pursuant to 15 U.S. Code 1640
04/06/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MO 655XX	Web	Servicemember
Back in XXXX, I got my first car from a place that was known as XXXX XXXX XXXX - I believe they are either closed or changed their name now. It was located in XXXX XXXX and was a used car lot. The car I chose to get was a XXXX XXXX XXXX. The loan I got was financed through Lobel Financial in XXXX, CA. I had a warranty on the car that lasted about a month or so and about a few days after I got the car it began to mess up. I brought it to the car dealership and they claimed nothing was wrong with it. A few days later the problem consistently got worse - turns out there was a terrible transmission problem ; I would have never figured it out if I didn't take it to another shop for them to look at it. Once I got that information, I brought it back to the place I bought the car they told me they would fix the problem so they kept the car for a few days ( I was left with no vehicle ). When I went back to pick up the car it seemed fine for about a week but then the problem reoccurred. So I brought it back to them once again and this time they said they would fix the problem so again I trusted them to fix the car and they gave me a loaner car, I believe this time around it took them about a week or two to return the car to me. It seemed they would keep the car longer and longer each time I brought it to them but the car was always returned to me with the same problem. During the time I had the loaner car I told them that if they would agree to take the XXXX back I would gladly take the car they loaned me as my own even though it cost less than the XXXX. They refused and told me that they for sure fixed the problem my car had so I took the car back. By that time my warranty was used up. The car continued to have problems I got it serviced as I should and went to other mechanics for help. I had to get a new transmission for the car and could not afford to pay for that as well as the monthly payments which were about {$320.00} so I called Lobel Financial and made them aware of the situation, they were not very helpful, I even made sure to pay my installments as best as I could whilst doing all I can to continue driving a car I thought would last years. Eventually, it became too much to constantly pay to get the car fixed and my monthly payments ( by this time I had missed probably two payments ) and I always made sure to let Lobel Financial know what the situation was. One day I woke up and the car was gone which surprised me because I made sure to stay up with my payments. They never even contacted me about taking the car. When I found out where the car was they never once said I was able to pay for the car again for it to be returned to me, so I went and got my belongings from the car. I have no idea what happened to the car after that. Lobel Financial had not contacted me about rather or not the car was auctioned, I do not find it fair that I was never informed about being able to get my car back. Time had passed and I assumed that everything was solved regarding the car because even though they never said anything about an auction I was told that is what usually happens when a car is repossessed. Sometime later I began getting harassing phone calls from Lobel Financial. Since they took the car back in XXXX they have consistently updated my account saying that I made payments, etc. I checked my credit report yesterday, they state my last payment was made in XXXX of XXXX at {$420.00}. I have not paid on that account since they took the car in XXXX How is that even legal? They have also threatened a lawsuit against me and called me so often that I had to change my number. All in all, I was sold a lemon and according to California Lemon Laws if " 2 attempts or more have been made by the manufacturer to repair a warranty problem that could result in death or serious injury, The manufacturer has attempted to repair the same warranty problem at least 4 times, The car has been out of service for 30 days or more for repair to warranty problems, problems with the vehicle are not the result of abuse by the owner '' I am owed either a replacement vehicle, or a refund for the vehicles purchase price - which they denied to do. All in all, I was left between a rock and hard place trying to pay to fix a vehicle I had for less than a year while making payments on it.
06/12/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 96001	Web
Hello sir, This is XXXX XXXX. I bought a vehicle XXXX XXXX in XXXX from XXXX XXXX XXXX XXXX XXXX XXXX. And sir I paid XXXX down payment and when they connected me to the lady from Lobel financial she asked me you putting XXXX down and $ XXXX monthly instalment I said yes. But sir how they committed fraud with me as XXXX auto sale didnt count my XXXX down payment in load and I paid one year installments on time. Then one day I was counting loan and when I got to know that I still have all loan the credit as it is standing even paid one year {$370.00} installments and XXXX down. So I called dealership they just said you was first time borrower and no one giving you car so that XXXX is out fees. I was shocked as I was a just new to United States that time and I didnt know how to deal now. Then they took my car when I keep asking where is my down payment and I paid XXXX, to get my car back and even after XXXX months they lobel financial took car again and I dont what they did sold it or auction as I never got abh notice or informing letter. As they did commuted fraud together as when I ejent to buy car the lady talked with me from loble and said you putting this much down rest loan and then nothing counted as down payment XXXX amount they count. Then sir they took car sold it and sent me court orders to pay. It was till now a crying moment for me how they did fraud and put me in trouble and took my all money even one year installments and took car once I paid XXXX to get back then again took it. And then I conplaing agajnsg them tk FTC last year and after complaining they took account closed from credit report. Today they went to my work place with police that I owed XXXX to them. Sir I dont know what to do as they went there and give paper to employer to took my wages I earn and worked month and when ejent to get pay my employer hand me over notice to stop pay and didnt pay me anything as said solve with them otherwise I have to stop wages and paid. Month hard work and get XXXX amount in pay and j dont know from where will pay rent and get food after this. As from that fraud I didnt even dare to get me a vehicle after as how badly it impacted me that I cant have courage to get vehicle as how bad that experience was and still till today. They never sent me notice as what they did with vehicle and took me everything whatever was in car my personal belongings j never get anything back my XXXX down payment they took one year instalments XXXX XXXX month paid for year and when first they took car after I was asking them to give me proof of my downpaymnet I paid XXXX tk get back vehicle XXXX took again and sold it. And today sent me court notice. I dont know what to do now as Im the victim of their XXXX crime and they put me in hold as stopped my wages. Im scared as police came with them and as responsible citizen its hard to get when you r innocent and police came to your work place as all my reportation came as wrong person in front of everyone at my work. And received XXXX amount in pay even month hard work and XXXX in hand stressing how tk pay rent bill food. Its like crying and no one hear. Please sir help me theh already took everything from me and now giving me like XXXX moment as theh committed XXXX crime together. I dont have anything now even XXXX in bank as was rely on paycheck and now they stopped and I cant do anything. I beg you please help me then already me ruined me and again they are doing same even when I complaint tk FTC last year after that they took off from credit report and today again theh started harassing me this way with police. I dont want to go jail even when I Im victim and they are powerful with lot of money and I cant survive front of those powerful people with so much money. Im just ruined by them kind of already that's why I didnt buy a vehicle after XXXX and going to work on XXXX or XXXX XXXX. Please sir its my humble request help me and save me from their fraud. Otherwise they will ruin me again
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90011	Web
I XXXX XXXX, purchased a vehicle on XXXX from XXXX XXXX XXXX dealership located in XXXX, CA. I financed this purchase through Lobel Financial Corporation ( account # XXXX ) a subprime-auto-loan-service based in XXXX, CA. Lobel added {$1700.00} to my total loan amount charging me an extra XXXX USD ( monthly ) for Loss Damage Waiver ( LDW ) premiums. Due to expensive mechanical repairs and extra fees added I was unable to continue making monthly payments therefore defaulting in XXXX, XXXX. Although I voluntarily surrendered the vehicle Lobel financial continued to bill me {$300.00} per month, {$240.00} per original contract and {$59.00} for LDW premiums. My original amount financed was {$5900.00} with an APR of 16.99 % for 30 months equaling to a total of {$7300.00}. Lobel added {$1700.00} to the FULL amount of {$7300.00} equaling to a total of XXXX USD. Lobel added a repo fee of {$250.00} and 5 late fees of XXXX USD. Equaling to grand total of XXXX USD. I made 8 payments of {$300.00} and 2 payments of {$300.00} totaling to {$3000.00}. Lobel calculated my charge off amount by subtracting {$3000.00} from the balance of {$9400.00} equaling to {$6300.00}. They gave me a finance charge rebate of {$250.00}, LDW Rebate of {$800.00}, and auctioned vehicle price of {$23.00} equaling to {$1000.00}. By subtracting {$1000.00} from {$6300.00} it amounts to {$5300.00} which is the amount I was charged off with. The biggest problem with this calculation is that no where in the contract did I sign to get the LDW premiums of {$1700.00} added to my total amount AFTER finance charges. I agreed to {$59.00} extra PER month. I made a total of 10 payments equaling to {$1700.00} in paid principal on the amount of {$5900.00} and {$730.00} in interest. My remaining balance should have been {$4200.00}. In XXXX XXXX the CFPB issued a consent order to Lobel Financial Corporation ( File No. XXXX ). Lobel Financial Corporation has violated my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), Title 12 U.S.C. 5531 ( c ), 5536 ( a ) by engaging in unfair acts or practices by continuing to bill me for Loss Damage Waiver coverage but then failing to provide me such coverage ; and engaging in unfair acts or practices by assessing and collecting various fees that I as the borrower was not contractually obligated to pay under the terms of the Loss Damage Waiver contract. Futhermore, Lobel Financial Corporation failed to report accurate information to the Credit Reporting Agencys ( CRA ) therefore violating my rights under the Fair Credit Reporting Act ( FCRA ) Section 623, Title 15 U.S.C. 1681s2 ( a ) ( 2 ). I have disputed the inaccurate information to the three CRAs in which Lobel failed to provide updated accurate information. The inaccuracies include, but are not limited, to incorrect original balance amount, incorrect reporting of monthly payments, and incorrect charge off amount. I also filed a complaint through the XXXX XXXX XXXX XXXX XXXX ), the CFPB and the Attorney General of California in which Lobel Financial disagreed with my contentions and gave absolutely no resolution. I will once again file a complaint to these government agencies and/or bureaus with updated information and new evidence. I will also file a complaint through the Department XXXX XXXX XXXX and XXXX. These clear violations of my rights as a consumer have made me suffer to great extent mentally, emotionally and financially. This has damaged me financially, as those extra charges were the reason I couldnt continue to pay my financial obligations. Therefore, the only acceptable resolution that will satisfy me as an affected consumer is for Lobel Financial to request the CRAs to delete any and all tradelines associated with me. And for the debt to be dismissed. If Lobel continues to prove negligence and doesnt agree to remove this account I will have no choice but to contact the XXXX XXXX XXXX and begin litigation for all violations and damages.
04/10/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 90016	Web
On XX/XX/2017 Lobel Financial Corporation ordered XXXX to impound my vehicle as that I had a past due in their record. Prior that day I spoke with their representative informing him that they had a mistake to sent my account in collection without informing me since I do not had any past due if it is the balance of the current bill that I will pay on XX/XX/2017. That current balance was XXXX dollars since XXXX was already paid. But still they did tow my vehicle the same day that we agree I had to go to their office. That balance was not more than 20 days past since my bill go for XXXX of each months to the XXXX of next months. When I called them their customer service could not give me the address to go recover my property by telling me I ll had to speak with their redemption department for that purpose. I wait their call the same days it did not happen. Saturday their customer service said that the department was close. They exactly know that the storage was 70/hours who obviously is also stealing people money. On Monday I call again but their customer service could not transfer me but promise that they will call me back. They did not. On Tuesday I called again and same result. Wednesday finally I was transfer to their redemption department who still told me that I own them money even I did pay that balance of XXXX and tell me that I had also to pay their toll fee. Did I told them to tow my property without informing me. I told her to verify her record because I did not had any past due and already pay the balance. On the same I month I sent them a money order of XXXX who add to the XXXX dollars paid on XX/XX/2017 will be XXXX who is their toll fee requirement. But in my surprise in that XX/XX/XXXX to end of XX/XX/XXXX I did not receive any release letter or bill statement. I had keep texting, calling or email them without no success. So obviously they want my vehicle and not their money. But what is more insane is that when I ask for my belonging their coastline Recovery service inform me that they did already give it way without informing me. That asset items in my vehicle had a value of XXXX dollars, my work equipment belong to XXXX as detex was also in my vehicle who value are higher as well and my passports. I can you not give me my passport back who is property of my country XXXX who results can make my consulate the right to sue or report them. But they still put the balance of the loan in my record who prevent me to get another vehicle and hurt my credit. XXXX value asset in my vehicle, my vehicle who I did pay already over XXXX dollars when the current value if XXXX dollars ... This is an abuse so I am suing them in a superior court because they are just thieve in my eyes this justify XXXX complaint with similar behavior. You do not treat customers like that if you want to make money instead to get their vehicle to re auction it so the same dealer can buy it and get a new customer to get a new loan from them while the old customer still pay them a loan while he does not had the vehicle anymore. But what it does hurt me more is my passports ... Last time I called them, they did transfer to so many number until finally someone told me if I did not retrieve my property already. I come I will retrieve my property if after receiving the balance and the fee requested you did not sent me a release letter? She answered sir we do not send a release letter then how can I know that I had to retrieve my vehicle when your contractor I telling me that I had to go with appointment and only if I receive a release letter from Lobel Financial. She put me in hold then to come ask me to pay them XXXX for XX/XX/XXXX to XX/XX/XXXX. Why I will pay you when I does not had my property but you had it. But still I agree to pay them but she said that their manager said I had to pay coastline as well. Seriously!
04/01/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 91103	Web
OnXX/XX/2017 Lobel Financial inc. without agreements repousses the vehicle before XXXX XXXX and without notice. With their representatives the agreements was to come to their office in the same afternoon to pay the monthly bill of XXXX dollars. After contacting them many time the same days they refused to let me know where and how to retrieve my property who is violating the laws. I did inform their customers service that I did pay my monthly bill over the phone and want to retrieve my vehicle. She inform that they will call me back! At the end of the days they did not! So I called again by XXXX XXXX to finally receive someone who said that someone will call me tomorrow! They did not call! After calling them successfully during 5 days to retrieve my belonging including my PASSPORT ( who is a foreign government oroperty ) and my security property XXXX belonging to XXXX XXXX XXXX they did refuse to provide me the location and how to retrieve my vehicle by saying again they will contact me! After 5 days I still not receive input from them until I contacted again but the answer was the same! They could not give me any information. Later I receive a letter from the storage company asking me to pay for my belonging stored by them ( taking out from my vehicle ) without authorization that same days that vehicle was towed. I refused to pay as Indded I try to reach them to retrieve my belonging that same days. Finally after receiving no answer from Lobel Financial I decide to pay the storage fee and retrieve my belonging include my passports but that storage company informed that all was give away or trash to storage trash without informing me. After suing Lobel financial to small claim court where the judge didnt understand the fact as corrupt! She dismissed the case. Now I am attending with my consulate and embassy from XXXX XXXX open an international case about this issue as I still not retrieve my passports but obviously sometime they close the loan balance and sometime they re open it destroying my credit a reputation! They did repossessed the vehicle and by laws should give me a writing notice where and how they attend to sale it but could never refused to give me option to retrieve it as I attended even after the judge dismiss the case. This absolutely does not make any sense if it is that they does it by purpose as thief and dishonest company that was already reported nationalise by many customers with similar issue. If they did retrieve vehicle who also had as not the value of the loan given to me who is another fraud by them working with dealer who are also dishonest then for XXXX sake how come they had the courage to try to retrieve the loan balance from me after all prejudice they did caused to my person mentally and emotionally but did indeed caused me to lose money and time. Therefore I am suing them to a superior court and open an international case with the us government VS XXXX XXXX government because this not correct and they dont any legal background to not return my passports either sent it to my consulate. Surprising that they still also calling me to my home or cellphone!!! I dont expect answer from them but I want to expect the incoming of their dishonest action against so many Americans customers! I even ask the Secretary of State after so many nationwide complaint and yourself as fianancial bureau how this company still operate to give loan and make more victime nationwide by creating issue to retrieve vehicle that they can re input in the market to give more loan to other people and malentendu easy illegal money. Thank you! I am preparing my case to superior court, agence press news and my consulate because someone somehow had to stop them and put them out of business with all it will take!
03/16/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75104	Web
On Friday XX/XX/2017 I had received a few calls from Lobel financial I was at work and they had been alternating and calling my cell and work number repeatedly. I called back to find out what the issue was and I was told to please hold and then I was transferred. The rep that answered starting by asking who I was I gave my name and advised that I had received several calls from them. She then asked who had possession of the XXXX. I advised that I did and she asked where it was. I advised her that I had made a payment and she stated my check was returned. I looked at my account while on the line and advised her that no payment had come out as I tried to ask could we verify the info she started to tell me that I needed to give the location of my vehicle and that it was in repo status. This was the second time that the company had threatened that someone would be coming to pick up my car. I advised her that I had made a payment and that she had violated the FDCPA by failing to give me the Mini Miranda and not doing any verification of my identity I also advised her that being rude was necessary she stated that I needed to pay bill and hung up in my face. I called back and asked for a manager and I was transferred to the same rude lady who hung up in my face each time. This happened twice more that day. I ended up calling back on Monday ( XX/XX/XXXX ) and Tuesday ( XX/XX/XXXX ) and receiving the same treatment where each time I asked for a manager I was transferred to the same lady who was not a manager and would hang up in my face. I called back a 3rd time that day on XX/XX/XXXX and asked for a manager again as the rep was transferring me I said to him in so many words that it was in his and the companies best interest to get a manager I told him what had been happening and that he better get me an actual manager. After that he sis so and I spoke with a manager by the name of XXXX I told her all that had happened and that I 'd like to find out what happened with the payment I asked that we verify the account info that they have for my bank because funds are available. She tells me she ca n't do that I say no problem and that I would like to pay now. She advises that their company does n't take debit in TX I tell her no problem I can use my checking info as the money is there. She says that she ca n't take a check from me because of the NSF I tell her there is no way that I have an NSF and that the funds are in my account she reviews my account and agrees that there is no NSF and says it looks like the account number may be mis-keyed. I say ok I would like to pay she says I ca n't pay by phone and that I would have to make a money gram payment I ask her how that makes sense that now I have to incur a fee to pay a bill that I already paid. She tells me that I can go to a branch in XXXX Texas which is XXXX miles one way from my home. Again I ask how is it ok to inconvenience me when I am willing to pay? She was apologetic but told me that this was the only way. I attempted to go to the branch when I left work but they were closed ( I get off at 5 and they close at 5 ) So I went online to money gram to pay and there is a XXXX fee to make my payment. I do n't see how this is ok that I will either have to pay or take time off work to pay my bill. I also do n't know how Lobel thinks that it is proper to break the law in the course of collecting on several occasions they call me multiple times a day and leave me multiple messages. I have attempted to be kind and to be cooperative but the stress that this company is causing is ridiculous. I have the funds to pay and I will be mailing a money order on today as I will not be paying XXXX or driving XXXX miles.
07/04/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 799XX	Web
Hello i bought a used car from a used car dealer in XXXX TX on saturday XXXX/XXXX/XXXX The car is a XXXX. I test drove it before and it did ok just a few things wrong with it. The steering wheel shacked after XXXX and the car was a little slow of moving about regardless of the revolutions that the engine was on which i tought was. ecause of turbo lag ... and the service airbad prompt and oilchange notification on the dash was on. After 10 maybe 15 minutes of test driving it.i took it back to the lot and told the guy i really liked the car i was just concerned about the shacking and the airbad light. He said to me that it was ok that he would have to tires allighned and balanced so that it would stop shacking. As far as the airbag light i told him that he might not get it to pass inspection for that reason in which his response was nah these guys i know will make it pass the state inspection one way or another because they like their money. So ileft him the car at the lot so he could have it ready the following day ince he was gon na go get it allighned. I gave this guy XXXX down a XXXX that was on its last leg which he game me XXXX for it and i still owe him another XXXX dollars down and i have 45 days to pay it. But theres no paper or promissary note stating that. Now for the financing he told the agency that i had given him XXXX dollars down and adjusted the price on the car to make it seem like i had payed for more than 20 % of the car value so that they could approve my bad credit. The car was priced at XXXX but on the purchase order he put it was XXXX i guess to make it seem like i had give XXXX instead of XXXX but i didnt agree to that i guess he did it to push the sale through ... The next day i sighned all the paperwork and turned in the keys to the XXXX. So i drove of the lot to a gas station XXXX miles down the road with a shacking steering wheel still ... i called him while i Filled her up and told him the steering wheel still shaked and he said that yeah all they were able to do was a tire rotation and balancing that they didnt get around to aligne the car because it was saturday and all tire shops closed at XXXX so they were out of time so he asked me to bring it back tuesday so he can finish that off.so i drove home another XXXX miles. I parked it and didnt touch it till later that night when i had to go to work. The car started up normally same lights on same condition after a minute or XXXX of letting it idle and warmup i put it in gear and tried to drive off and nothing the engine just revved but the car wouldnt move and now there was this really strong smell of burning clutch. So i figured fml this cars clutch is completely done 100 % i sent him a polite text to his personal phone a couple of minutes later that night telling him the problem and if he could return my call when he got a chance. The car Has been sitting in my driveway for 2 days havent been able to move it. Havent even tried. Today is monday im gon na wait to see if they open today since its XXXX and talk to him and tell him whats going on but in case the answer is no im sol. What do you guys think are my options.i initialled the sold " as is '' form didnt sign it so idk if that counts. And the bank that financed the vehicle is supposed to call and interview me tomorrow tuesday XXXX XXXX to see if all of the information that the carlot provided is accurate and true. The dealership rep asked me to not say anything about the XXXX dollars down that i gave or the car or the other XXXX that i still owe just to say i gave him XXXX dollars down so what can i do now? The used car dealer is located in XXXX tx XXXX.
11/25/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NV 89011	Web	Servicemember
On XX/XX/XXXX the day after making the payment my XXXX XXXX XXXX stopped working. After talki with the dealership ( XXXX XXXX XXXX ) they stated they would come and pick up the vehicle to repair. 3 weeks later on XX/XX/XXXX they picked up the vehicle to fix the problem with the vehicle starting. On Monday XX/XX/XXXX received a text received a text from XXXX XXXX XXXX not to pay Lobel financial because they owed us money and that the dealer would contact us. On XX/XX/XXXX was told that Lobel had not paid the dealership for the car yet and were refusing to release the check because of a dispute between the dealer and Lobel Financial regarded the owners previous business partner. Lobel was threatening to " unwind '' the deal. They were making XXXX XXXX XXXX liable for a situation with another dealership and was holding the financing of my vehicle as a threat unless XXXX XXXX paid them. On XX/XX/XXXX made contact with Lobel Financial local number and talked with the Manager ( XXXX ) explaining what we were told about the, trying to unwind the loan. He said shows nothing in regards to the loan being unwound and that as long as we were making the payments everything was good. At present the vehicle was up to date with the next payment being XX/XX/XXXX. After talking to Lobel, made contact back with XXXX XXXX and told them what was said to us. On XX/XX/XXXX received text from XXXX XXXX XXXX advising us to make contact with the Corporate Office and the individual threatening to unwind the loan named XXXX. Made contact with XXXX was told that the fault was on XXXX XXXX XXXX. Advised them that we would get a lawyer to fight what they were doing. Was advised to only to sue XXXX XXXX XXXX. Refused to give any reason on why the loan was being unwound. On XX/XX/XXXX went to Lobel Financial local office to make a payment. Requested to speak to the manager and was instead connected to the corporate office. Talked with XXXX of the corporate office. Explained to her how we were being informed that Lobel financial was unwinding the loan. Asked if we still had the vehicle and states no that it was at the dealership for repair. Asked if we wanted to keep vehicle and said yes. Advised that we would get a lawyer if this is not resolved and why were we being put in the middle of a dispute between the dealer and the finance company. XXXX stated that she was taking this all down and would contact us back with a resolution later in the day. She also stated that Lobel will not be taking our second payment since we were unsatisfied with what was going on. Asked whether or not this would effect our credit and was told no. At XXXX XXXX Pacific Standard time contacted Lobel to find out any resolution. Was told they were still looking into it and would contact back. On XX/XX/XXXX contacted XXXX and was told it was still under review. On XX/XX/XXXX contacted Lobel Financial as was told the loan was being unwind. That XXXX XXXX XXXX would repay the down payment. Inquired about first month payment and registration fees. Was told that the first month payment would be refunded and that they would look into the returning that. On XX/XX/XXXX Lobel Financial mails letter of " Notice of our Plan to Sell Property. '' ( Letter was received on XX/XX/XXXX. In letter Lobel states vehicle was repossessed on XX/XX/XXXX while the vehicle was still current. Lobel has not maintained their obligation as lien holder, attempted to find a way out of the loan and then is conducting an illegal repossession and sell of the vehicle. I feel they are taking advantage of a XXXX vet and his XXXX spouse.
08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76119	Web	Servicemember
I have been dealing with this issue with Lobel Financial out of the state of California sinceXX/XX/XXXX. I obtained a small auto loan from them in the amount of around {$5600.00}, The vehicle I have purchased had been stolen and there was a discrepancy on wether I had property insurance on the vehicle through Lobel Financial, My Insurance had lapsed about a week before my vehicle was stolen in XXXX Texas, I am a XXXX Veteran because of my tour of duty during the XXXX XXXX and during the time my vehicle was stolen I was going through a life crisis and was experiencing financial difficulties especially after my vehicle was stolen and I was XXXX, I explained everything to a representative from Lobel Financial and I offered to make 2 {$500.00} payments within a months time to bring my account current and to continue to make my regular agreed payments until my account was paid in full even though I no longer had my vehicle because it was never recovered after being stolen. The representative from Lobel Financial responded that " It doesn't work like that, either I had to pay the balance in full or that They we're going to sue me in court '' I asked if that was a threat and he responded that '' No that's a promise '' This was a male collections representative from Lobel Financial who was assigned to my account for collections in 2018, after I attempted to resolve the situation within the means of my capabilities at the Time and received the response I got from Lobel Financial 's Representative, I lost faith in resolving the issue because I simply didn't have the money to pay the account in full and I was promised to be sued in court for the debt. I was really terrified of the further damage that was sure to take place in my life even after I my car was stolen, I was XXXX and now I was going to be sued even after I tried to resolve this issue, I never received a notice of suit but I have spent the last few years trying to keep XXXX from trying to manipulate my credit worthiness by continually raising the balance on the loan which I understand that by law they are allowed to do so by adding interest monthly, but what they have been doing is after they reported the account as a charge off as bad debt, which officially closed the account, they would keep showing that the account is open and the balance goes up on the account verses down and the the credit scoring alogorithims factor in the balance owed originally against the balance that's owed currently on open accounts and the more you owe on the original balance the bigger the penalty and vice versa, but on closed accounts that are negative, the older the account becomes the less of a negative impact it has on your credit/ Fico Score. What Lobel keeps doing is periodically reporting my account is open which negatively impacts my Scores and Creditworthiness by manipulation and so Everytime I get close to establishing a good history I'm forced to file a lengthy dispute and Sometimes it resolves only to show back up again and again. For me, this is Financial XXXX. Totally and completely unfair business practice and outright harmful to economic progress in our society. Though This complaint is against Lobel Financial because they are currently manipulating my XXXX and XXXX credit reports, this seems to be a common business practice against certain so-called subprime borrowers that are being kept locked in to subprime lending services and locked out of Fair Market Financial products by being targeted by business practices that keep the foot on the neck.
02/14/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 95330	Web
Dear sir, I bought a used vehicle XXXX XXXX from used car sale dealer XXXX XXXX XXXX from XXXX XXXX XXXX in 2013 and put XXXX down payment to them and while test drive with guy from dealership I got a phone call from LOBEL FINANCIAL about that cars loan. While the Lady who called me asked me that you applied this loan which I answered yes. And then she asked you putting XXXX down and rest will be loan. And also she said this phone call is recorded.I was approved and got car after 8 or 9 months somehow I didn't get work and couldn't pay 2 months and they took car from outside my house. When I called to police they said check with county office where I found they took car. And when I called Lobel financial they told me yo pay XXXX then I borrowed from brother and gave them and get car back. Then I called found as I asked about how much loan left on this. And when i got back cars transmission got problem after few days Then I was shocked when they said XXXX. they told me to call dealership. I called yo dealership and asked about loan and as put XXXX down and already gave one years payments then that manager and owner told me no one was giving you car but we gave you car that's why that money was our fees. Asked sir you didn't told me when sold me that car and asked written but they never gave me anything else. Then after 2 months lobel financial they took car when I complaints them about transmission problems within year and also about down payment I gave. And sir after I never heard from them they never sent me any notice to auctioned or anything. they didn't return anything I left in car. I tried to talk but they never give any specific answer. I tried with dealership but made me feared as I they will sue me .and sir I was just new XXXX that time here and was scared as they are rich people and I'm nothing front of them. Ad if they took car and took XXXX down also one years payments and did this all then they can do anything. So I never complaints to anyone or didn't even talked about car when my friends asked where is your car. From that time to now its been 4+ years and I still fear to buy car as even for work I go to public transport or cab. Because I can't take any more problems like that as I have more responsibilities to take care my old Mom and Dad. Dear sir, I got to know about they reporting my credit when I got yesterday my credit report from one reputable bureau. Sir, I paid XXXX down one years payments as XXXX per month and XXXX insurance that time. And when they took car first time XXXX that time. Then after complained them about this all they took car and sold somewhere and never informed what happened or when they sold. They never gave me back my personal licence plate never returned anything in car as my cards some money sunglasses documents car agreement. They took everything and got my all savings also much higher XXXX monthly payments of 80,000 plus mileage car with interest rare of 23 %. till now I'm scared to buy any auto. as still going on public transport or rides as they gave me that experience which I never made myself to get anything after that. I hope I will get helped from you as my only one last hope .otherwise as they are reporting to credit bureaus I have to pay XXXX plus more to them as its showing on credit report. so they could stop harassing me the way they are doing .so I couldn't have anything on credit or no one could lend me. And its happened but I never awarded about why I'm denied always to get anything on credit. Hope to get help Regards
08/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77036	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : LOBEL FINANCIAL XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
01/06/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90016	Web
I receive a loan of XXXX plus interest for a vehicle XXXX who value are only XXXX to XXXX trough a dealer ship who work and know the financial corporation as Lobel Finance Corporation. I pay always my bill even sometime for circumstance reason I pay late with a late fee that they charge me. After 3 months they start to created always problem either for my insurance saying that they need prove of my insurance when I already submit it or telling me if I do not send it they will charge me XXXX dollars more. While I am already paying more for a vehicle who does not value that loan. I am sure that the loan company even the dealers know it. In their statement there is always a disperancy with my payment and I ask them many time to update me with a statement showing my payment history and balance owne but they do not because they know what they try to achieve. Get the vehicle back after they found out that I did fully pay the value actual vehicle price. XX/XX/XXXX I had a balance of XXXX but in their records they said XXXX Plus XX/XX/XXXX I had to pay who is XXXX as the contract had set but many time I pay XXXX instead of XXXX. When I make some research I found that many customers complaint and sue this Financial corporation so I submit my complaint as well in the list of other complaint customers. Sometime I receive agressif mail call or mail from their employee telling me if I do not pay my bill now they will prosecute me. I directly complaint to them and they stop it. I do not receive my statement with my payment history and lbalance left due and you can not pay online in their website but only over the phone : they charge you XXXX dolalars more so you had to use XXXX, XXXX who also charge you a fee! As today I pay XXXX plus XXXX dollars fee while I did told them that I will be at their office to make payment and we agree with their representative over the phone that they will wait for me at the branch in XXXX but as surprised they towed my vehicle without notice today morning while they know I will be at their office? Saying my account is 53 days past due! I had very important documents to deliver as my XXXX for my work in my vehicle and important items to ship. XXXX for XX/XX/XXXX with the XXXX ( as in their statement ) is XXXX If I could pay it today why then town my vehicle before I go to their office without calling me today? Their representative stated that they only need XXXX from me to keep my account current but I told him is fine either way I will be at their office today. Now they are telling me that I had to go to their redemption process to pay more and pay even the storage where the vehicle was towed and go their to see my option. Those it make any sens! And since years they are are saying that we could be paying online in their website but it still not happen. It is different when someone can not pay or refuse to pay with someone who agree to pay even I know that I paying too much for a vehicle who even do not had that value. I need help! Because it seem I am not the only one since as I said I saw that many customers in other states complaint for the same company. My account # XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Last XXXX digit social : XXXX
12/02/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95340	Web
I foolishly cosigned with my ex for a car ( we both signed papers ) and we both paid on the car ( he got SSI and I work ). About 6 months or so later we agreed to split up and he was going to take the car and continue payments on it ( this was agreed upon as he had more money than I doid ). Fast forward to now, almost 5 years later to my surprise my employer is now having to garnish my wages because Lobel took me to court without my knowledge and sued and is now attempting to garnish my wages for 25 %. Now I would full heartedly own up to this debt BUT These are my reasons as to why what happened is not right. 1. I NEVER received any type of notice saying the car had been repo 'd, sold, or that I was being taken to court or had ever been served. 2. I was NEVER served any type of court paper work. 3. When asking Lobel how can my wages be garnished when I was n't even aware the car was no longer in this other persons possession I was told supposedly I was served at my address. The description? A XXXX lady with XXXX hair, age XXXX named XXXX XX/XX/2014. Issue is? No one by that name has EVER lived there and I have lived there my whole life with my parents, it has always been my mailing address as well. No woman besides myself and my XXXX yr old mom have ever lived at that house and not even my mom was there as she had already moved. 4. Funny part about this person that was supposedly served? Her last name is " XXXX '' meaning she ca n't be traced to say that I was served or the papers had been given to me. I myself have XXXX hair, have XXXX eyes and am not XXXX as described but XXXX. None of that was ever described. The server fraudently said this person was served these papers so they could get paid. 5. This company has been known to involve themselves in shady practices as many lawsuits have shown as well as other customer complaints. 6. There is a long history of them violating the fair dept collection act and I believe my " case '' would fall under that as well. 7. When I called lobel to see what was going on They acted shocked when I gave them my address. Why? They had a completely different address on file. Upon looking further into the notes, it seems the other person on the account continuously would change the address so I would never be alerted as to what was going on. When I told lobel that did n't seem strange to them and that would make sense as to why I never received anything, I was called a liar. This is fraud and I need help because this is n't fair and I feel like I have been swindled! I would like for them to drop the case as it was filed fraudulently since I was never notified of repo, of the sale. I was never notified of being sued, I was never served but out of thin air all of the sudden my paychecks are about to be garnished. I was never served and no one at my residence was ever served or given ANY knowledge of this situation/action. My rights seem to have gone right out the door. I was never given the chance to make this right as I was under the impression the car was still being paid on. This is what I was told by the other owner and since I never got paperwork I did n't assume otherwise.
12/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33127	Web
I am filing this complaint for my son and myself On XX/XX/XXXX, my son and I went to XXXX XXXX to purchase a used car. I was asked to pay a {$4000.00} down payment for a XXXX XXXX XXXX ; cost of car XXXX. I informed the car salesperson ( XXXX ) at the dealership that I only had XXXX to put down. She told me they would accept the XXXX and put me on a payment plan for the remaining XXXX. I was scheduled to pay a total of XXXX payments of {$660.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After the payments were successfully made in cash. i contacted XXXX to find out how I would make my new monthly payments of {$580.00} to Lobel Finance company. The first payment to Lobel was successful on XX/XX/XXXX ( I asked for proof of payment but to no avail. I contacted XXXX at XXXX XXXX on XX/XX/XXXX to make a payment towards my car. XXXX told me my card was declined. I did not have a declined notice on my end. I told XXXX we would arrange a way to make a payment. The car was repossessed from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was devastated. The agreement was to put the car in my name. I later noticed the car was in my son 's name. We have XXXX vehicle registrations : with XXXX different names. Both registrations have the same VIN numbers but different tag numbers. I also noticed that I received a letter from Lobel ( after the car was taken ) that states the loan was denied. I spoke with XXXX and XXXX at dealership after the car was taken ; they both stated they did not know why the car was take and they refused to refund the down payment of {$4000.00}. I spoke with XXXX at Lobel after calling XXXX and XXXX after the car was wrongfully taken ; He informed me : the finance company sent me a letter dated XX/XX/XXXX that the loan was denied ( which is the letter I found ). However, the car is not in XXXX XXXX 's name and Lobel took a payment of {$580.00} in XXXX. XXXX also stated the car dealership has committed this type of fraud to XXXX different customers, which is why my loan was denied by Lobel. However, Also, on the letter from Lobel financial, I noticed another auto sales company named XXXX 's XXXX XXXX. In addition, XXXX at Lobel stated that the car dealership made a payment to them ( Lobel ) for the total amount of the car before the car was wrongfully repossessed. Lobel refused to refund {$580.00} that was paid to them for the car that was wrongfully taken from me. They stopped answering the phone for me. After the car was wrongfully repossessed, I was forced to pay {$150.00} in cash to remove personal items from car. I was denied a receipt for this transaction. I went to the dealership to retrieve the car contract and other paperwork. I went home to do a little research and realized that the down payment of {$4000.00} was added to total price of the car when it should've been deducted. I also realized that pursuant to 15 USC 1662 ( b ) - it was illegal to make a down payment. I also noticed that I was never given the right to rescission. Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX LOBEL Financial XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX
01/29/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NM 88001	Web
On XX/XX/XXXX I stopped at a used car lot in XXXX XXXX Texas to purchase a used car. The outside of the car lot had signs that read {$500.00} dollars down payment which is why I chose to stop there. I went inside the car lot to ask about buying a car. The car lot offered a XXXX XXXX they said that was the vehicle I qualified for. I offered {$500.00} dollars down and received a contract that stated that the balance due on the car was {$5600.00}. After I dropped of the first and second monthly payment of {$280.00} to the car lot I was told I had to start sending the payments to the finance company Lobel Financial. I then sent the first payment to Lobel Financial in form of money order and in return Lobel Financial sent a billing statement in Spanish which i didn't understand so I called Lobel Financial and asked to send my statements in English which they never did although the request was made again several times in the future by phone call and in written form on the return payment slip. After I made payments from XXXX to XXXX which is almost 2 years I suddenly receive a call from Lobel Financial in a very rude manner from some representative named XXXX. He demanded I pay him immediately a payment of {$580.00} and said I was behind on my payments. I asked him what payment was missing since I had sent in my monthly payments as agreed. He was never able to tell me what payment was missing therefore I asked to speak to the supervisor.I was referred to a woman named XXXX. After several attempts to resolve this issue I was told the payment missing was from some time in XXXX but was never told for what month.In XXXX the following month Lobel Financial finally sent me a payment statement and told me to figure out what payment was missing. During this issue I found out Lobel Financial had charged {$1900.00} as finance charge. I was surprised and upset since this amount was not included in the price of the car which stated my balance was {$5600.00} dollars. I was now stuck with a contract I didn't agree to and car that went up in price to {$7600.00} dollars. I was told the account would be placed on hold until the problem was resolved however 3 days later Lobel Financial sent for the car XX/XX/XXXX XXXX to get repossessed. I was never given a reason or an option to resolve this. I spoke to XXXX again the next day as I work morning to night it was impossible to talk with XXXX at her time and convenience. She demanded I pay her {$580.00} immediately if I wanted my car back. I told her I didn't have the full amount but she never tried to work something out with me she just very rudely said nothing could be done. I received a letter on XX/XX/XXXX saying the XX/XX/XXXXXXXX had been auctioned for {$1100.00} which is below the fair market value required by law and that I have a balance of {$2400.00} that Lobel Financial is demanding. After reviewing the contract I received at the car lot I saw it was made with a {$900.00} dollar payment I only gave {$500.00} dollars down. The contract is a fraud. Paperwork is attached to this complaint including the down payment receipt.
05/01/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32073	Web
My problem is eerily similar to a lot of the complaints I see on here about Lobel Financial. I purchased a vehicle from a dealer that financed that vehicle on my behalf through Lobel Financial. From my first week of ownership, I consistently had problems with the vehicle. Took it back to the dealership who claimed they fixed it. They did not. Took it to a local dealership, they could not fix the problem either. The vehicle had mechanical issues that were very likely manufacturer 's defects. Having to pay thousands of dollars to fix the car and make monthly payments as well became to much for me financially. I chose to do a voluntary repossession. After the voluntary repossession I was sent a letter ( XX/XX/17 ) stating I still owed {$3700.00} for the vehicle. I disputed the alleged debt by certified mail within the required time frames requesting verification of the debt. Lobel Financial to date has never provided me with verification of this alleged debt. They also did not comply with FL consumer protection laws as stated on the Attorney General 's website ( XXXX ) regarding vehicle repossession. This law is stated as follows : " Once your car has been repossessed, your creditor may decide to keep the car as compensation for your debt or resell it in a public or private sale. In either case, your creditor must notify you about what will happen to the car. If the creditor decides it wants to keep the car, you have the right to demand the car be sold instead. You may choose to exercise this right especially if the car is worth more than the amount owed on the loan. If the car is sold at a public auction, you must be notified of the date in advance. If sold at a private sale, you will be notified of a date after which it will be sold. Any resale must be conducted in a commercially reasonable manner. For example, a resale price which is below fair market value may be unreasonable. If this occurs, you may have a claim against the creditor for damages or a defense against a deficiency judgment. You may also be entitled to buy back the vehicle by paying the full amount owed, plus any expenses incurred by the creditor. Additionally, you may be able to reinstate your loan by paying the amount you are behind on the loan plus your creditor 's expenses. '' Despite Lobel Financial 's failure to provide me with verification of the alleged debt, they immediately began reporting negative information to all three credit bureaus regarding this alleged debt. They also periodically falsely manipulate dates, amounts, and the status of the alleged debt in their credit bureaus reporting as well. Lobel Financial operates with a callous disregard for both state and federal consumer protection laws. There is no true protection for the consumer when a company is allowed to operate according to their own prescribed laws without accountability.
06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78132	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Lobel Financial is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Lobel Financial the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Lobel Financial whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Lobel Financial Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
10/22/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85379	Web
My car was repossessed by Lobel Financial XXXX/XXXX/2016. I called Lobel Financial today XXXX XXXX to redeem my vehicle. I was originally told by XXXX in the Reposession department the payment I paid to Lobel financial on XXXX XXXX was never received. I advised Lobel Financial my fianc paid the bills and gave permission for her to speak on my behalf. I was advised I could only speak regarding the vehicle. I advised my fianc dropped the payment off my money order to the Lobel XXXX office. She then told me the payment was never made. My fianc called in and provided the money order numbers and the payment then magically reappeared after my car was taken. I called in to ask what I needed to do today to redeem my vehicle. I was told I needed to pay {$1200.00} by certified funds and the payment would take 15 mins to post and then I would need to contact the tow yard to find out fees and then I could redeem the vehicle. I was giving the run around by Lobel and the finance company for about an hour. I finally was given the location to my vehicle. I arrived at the tow yard " XXXX '' where I was advised I need to pay {$250.00} for storage fees. XXXX is a home/office/tow yard. I paid {$250.00} to " XXXX '' who asked me to sign a paper that was my " receipt ''. I paid the money was walking towards my car with my alarm remote. My alarm remote would not open the car. I was them told my battery was dead. XXXX called her husband who put cables on my car and left it on for about 30 mins and the car still would not charge. I advised XXXX moments after seeing my car that my in dash system was gone. I asked my amp was gone. I advised my wires to my amp and in dash were missing. I was told by XXXX that she had insurance and would file a claim for my property. Her husndand advised me they had issues with their driver who now is in jail for theft. I called Lobel Financial spoke to XXXX at the headquarters and I was advised XXXX was not responsible for my property or the vehicle and I signed a paper stating the property and car had no issues. I called XXXX Police showed them pictures of my property in the car and filed a police report. I went back to Lobel XXXX location advised of the car and my property and was told I needed to speak to " Headquarters ''. I asked for my money back and the gentleman who took my payment offered to return the payment. A lady them storms out her office and says I 'm sorry we ca n't return the payment you need to speak to headquarters. I called Lobel Headquarters spoke to XXXX who was more concerned about my fianc being with me to pick up the vehicle than my issue. I asked to speak to a supervisor multiple times and was advised she would call back. I never got a call back from a supervisor and my issue still is n't resolved
05/31/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 95966	Web
On XXXX XXXX, 2016 my car got repoed by lobel financial. When they came and got the car the repo man had no paperwork in hand. We had money in hand to pay for anything we owed. I was at work at the time but my husband told him he had money to pay and the repo man told my husband im sorry I have no paperwork and no information on how much you owe. So of course off went the car. I called lobel the next morning to resolve this and that was the WORST experience in my life. They are rude, inconsiderate human beings. I explained to them very nicely that it was mix up and on my bank account. I told them I apologize. I told them I called right when it happened and at that time that person was very understanding and I told them I would pay it on the first. He said no problem I will mark your account. Will ... ... .guess what???? Nope! They would not listen, told me in order for me to get my car back I would have to pay my loan in full. I asked to talk to management no! I called the corporate number they sent me back to the other number. I asked to talk to management they put me on hold for XXXX minutes then call got dropped. I called to talk to the lebal department got put on hold again for a very long time then of course call got dropped again. They will not let you talk to management. Yes! I understand this is a new loan, but I explained to them the situation I went through and they did n't even care. I explained all of this would of been avoided if they would of sent the repoe company some kind of information on how much I owec cuz I would of paid the man.i even offered to pay what was owed in the rear and the very rude lady refused it stating in order to get the car back I have to pay it in full. I asked to talk to the manager that made that decision and she told me no. I asked to be transfered to corporate and with a XXXX voice and XXXX this is corporate. They will not let you talk to anyone. I feel I have been mistreated and unfairly by them and the car .ot. ( which I am opening a case with the lemon law against lobel and the car lot. ) When I got the loan the car lot and lobel REFUSED to add my husband 's income or my SSA income because oh its government money. I even tried to let lobel know when all this happened and they told me I have to pay my loan in full to get my car back because I am a risk I told them again I have more income to report. Once again they did n't want to hear it. What? Are they prejudice against people on government money? Or they just dont want to do extra paperwork. I have financed a car through them in the past.i did n't have no problems with them and paid my loan off. Which they told me thanks for coming back to lobel, we r here to help you. WHICH IS A STRAIGHT UP, IE LIE LIE. XXXX XXXX
01/29/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	KS 67207	Web
My father and I tried to purchase a car from a dealership called XXXX XXXX in XXXX, FL. I had to get a loan through a bank to help with the purchase of a car and the guy from the dealership told me that I got accepted for a monthly payment of {$380.00}. My father was living closer by the dealership at the time. So he went there to make all of those payments such as the down payment and whatever other fees that needed to be taken care of. I was in Kansas at the time so when it was time to sign the contracts it had to be done by mail. The guy from the dealership sent me the links through email to print out and sign to send it back. I never got anything reported to my credit account until XXXX month later when the dealership received it. By the time the contract reached the bank and my first actual statement came in that was when I realized that something was wrong. I contacted the bank and asked them to send a copy of the contract they received from the dealership. When I received it I noticed it was a completely different contract with a completely different price and the dealership forged my signature on that new contract. I have tried to report it to both companies the dealership and bank, XXXX months have passed and no one is doing anything about it. I contacted the bank to see if there was anything they can do to help and they said all they can do is file a report and go from there. The bank i am financing through is called Lobel Financial. They still forced me to make those payments by threatening to repossess my car. So in order to make sure that doesnt happen I made those payments for the car. After I made my first actual payment they decided to report to my credit account as a delinquent account literally the day after i made the payment. A couple days later i pay the rest of the amount that was owed on the account. And the day after i completely pay off what I owe they decided to repossess my car with no warning. On XX/XX/2023 when I made the first payment it was over the phone with the bank and the guy I was on the phone with told me that they canceled the repossession and that I had until XX/XX/XXXX to pay the rest before they go and try to repossess the car. Then 4 days later on XXXX XXXX I paid the rest that I owed. I got both confirmation emails from both payments saying how they were approved. Then on XX/XX/XXXX around XXXX they repossess my car with no warning and no reason why. I tried calling them but they do not pick up the phone. Now I have to wait all weekend to contact the bank since they are closed on the weekends and try to get my car back. I have text messages, receipts, and statements to prove all of this is fraud.
09/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 93309	Web
I have had a used vehicle with Lobel Financial for almost 5 years. They have received my information for insurance and I have maintained full coverage throughout the entire time. The never verify check that the insurance is still in force before charging an LDW fee on the policy. This has gone on for years. They add this fee onto your regular monthly payment. My monthly payment I make is about {$500.00}. I tried to make my payment this month and it was increased to {$730.00}. It would not allow any payment below. It would not take any form of partial payment. I talked with their representative on the phone which the company has recorded. They do not allow communications via email or give a contact number for anyone. At about 11 days past due I found a representative that was going to resolve the issue by verifying my insurance. They told me they will look into this over the next week to 2 weeks. I asked if I can just make my regular monthly payment while he resolves the issue because I don't want it to harm my credit. He said he needs to resolve it first. He told me to make sure I answer when he calls back so I can make the payment. I confirmed with their employee that while he is resolving the issue, my account would not be reported to credit reporting agencies if it made it to the 30 days past due while they are resolving the issue. He assured me that it wouldn't report to the credit agencies and I would need to make my payment once it is resolve. He did not give me any other options to pay. Since that conversation 2 and a half weeks ago. I received a 30 day past due on my credit report. I have contacted the company multiple times between then and requested to be put in contact with a supervisor. No supervisor has returned my calls. I was able to have a representative tell me XXXX a supervisor would call me on XX/XX/23 and he did not. I called again today XX/XX/23 and was able to reach him. He said they resolved the insurance issue on XX/XX/23 after I called again. I said great I would like to continue resolving the issue and make my payment without it harming my credit like I agreed to with their representative. XXXX said they will still report it as 30 days past due. He said he doesn't have the power to resolve the issue, and even though the employee agreed to that, they can still report it. He said he will ask the Manager to call me. He refused to give me an email address, or number to them. He also refused to give me a name of who is above them.
01/14/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 78251	Web
Lobel Financial Services in XXXX XXXX XXXX repossessed my car and I don't even have a loan with them. All day XXXX XX/XX/19 I told my story to 10 people and nobody listed, they kept saying call the car lot, call the car lot. Nobody took the time to help me and I was furious an highly upset of by the lack of customer service that I received, it was absouletly at nightmare dealing with Lobel Financial in XXXX XXXX. I purchased my car from a car lot known as XXXX XXXX, he advised me to call XXXX and ask for a TWIX report, they refused, called him back he told me to contact Lobel Finanical. Called Lobel In XXXX XXXX XXXX back, told him what was going on after speaking to the Branch Manager XXXX and pleading my case once again, he looked up the VIN and advised me that the car he had in system didn't belong to me or my Mother, who co-signed for me on my car. XXXX advised me that a company named XXXX XXXX XXXX financed the car using his company, the person made 5 payments and then stopped. XXXX never contacted XXXX XXXX XXXX at all, he advised me to do it. When I called XXXX XXXX to asked them they actually where very helpful, and said the VIN number was inserted wrong on the contract over 7 or 8 months ago. Called XXXX back, he asked for my current lender XXXX XXXX to fax in paper work showing we have a loan with them. XXXX XXXX did send over the documents around XXXX. I called XXXX back at XXXX and asked him what time do I go pick up the car, he advised me that he sent the faxed documents over to corporate, and only sent an email. XXXX was supposed to call and get someone on the phone, however he admitted that he only emailed and faxed paperwork. XXXX advised me that he would contact cooperate and stay until the issues is resolved. I advised XXXX to have urgency, my Mom is XXXX years old, bad eyes, and she was sick. From my house the Tow Yard was 40 minute away that I needed to get to work and church. XXXX stated that he was not going home until I get my car back. XXXX never called me back, and he had my cell phone Friday night as he promised. About and hour later the owner of XXXX XXXX who I financed my car with said that Lobel financial broke the law when the repossessed my car with out a title. I dont ' want this to happen to anyone else and I'm filing the complaint on them for that reason.
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
Several years ago, around XXXX I began establishing and monitoring my credit when I got my annual report I noticed a derogatory account from a LOBEL FINANCIAL, of which I contacted them and spoke to their legal department and credit fraud department back then, who informed me that they would remove it from my credit report as it is not my account, and I have never financed a vehicle with anyone, nor am I in possession thereof. I submitted documentation requested by them, was informed that the matter was resolved, and that my disputes would close the account and be removed from my credit reports. It was only removed from XXXX, and not the others. Since then, I have now signed a contract to purchase a home, and have been informed that LOBEL FINACIAL just reported on XX/XX/XXXX my credit report that Account # XXXX is Active, and that I owe the monies in an amount over {$11000.00}. I contacted LPBEL FINACIAL on XX/XX/XXXX and spoke with XXXX, who I requested that they expedite the removal of this fraudulent account in my name from my credit, and that I receive documentation from them stating that this matter has been resolved. After I was informed that this account was closed in XXXX, and has been disputed multiple times I requested to speak with XXXX 's XXXX, who was conveniently not available. I then asked for the information on the account concerning a vehicle that I have never owned, see, or driven, and was rudely hung up on. Therefore, I am filing this complaint with the hopes of resolving this issue, and get this credit predator, LOBEL FINACIAL, to remove any information with their name from my credit, and from within their companies database, expeditiously. As this is hindering me from utilizing my good credit, and from moving forward with purchasing a home. I did inform the LOBEL LEGAL department that I would be contacting the CFPB if they could not do the right thing and resolve this issue, again. However, they hung up on me with no interest other than retrieving monies for a felonious account that is being reported fraudulently on my credit reports, and I need any support that you may offer in making this happen, asap. I have nothing to show from LOBEL FINACIAL because I have never personally had an account with them, other than what they have told me.
10/02/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 95350	Web
There was a change on my credit report with a company " lobel financial '' the account was showing as a closed account and started reporting current with a balance increase after years of no change. I contacted lobel and asked to please send me an itemized bill and advised them that I did not receive documents for the sale of vehicle at the end of XX/XX/XXXX. When I called they forward me to legal department and I spoke legal rep names XXXX. XXXX stated that this was turned over to a collection agency and I needed to call XXXX. When I called the number on a separate line is disconnected. I advised XXXX that and also told her it does not show a collection agency on my credit report. She said she doesnt know what to tell me. When I asked her why it was thousands more from the original loan amount and even after sale of a car and she said legal fees. I asked her what legal fees and she claimed for the attorney. Advised that there is no judgement so what did the attorney do and she refused to answer. She tried to give me a break down of the charges and amounts but what she told me was over XXXX less then what was being reported. I told her to please send me the documentation and she refused to take my address. I tried to give her my new address multiple times and she said she would not send me anything and hung up on me. I did contact XXXX after and advised them that lobel has refused to take my address. They were able to take my address and said will contact lobel directly to have them send me the documents that I legally have a right to. I also mailed and sent my request to lobel on XX/XX/2018 advising if they are unable to provide me with the documentation verify the debt and amount owed to remove this from my credit report. I still have not received in proof that this debt is owed. After the sale of the vehicle the balance should only reflect XXXX. What lobel is doing and how they treat consumers is completely unjust. As of today lobel has not removed this from my credit DESPITE me requesting documentation and writing a letter of dispute with no response. In fact the balance continues increase every month on my credit.
10/03/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33432	Web
In XX/XX/XXXX, I purchased a XXXX XXXX vehicle at XXXX XXXX XXXX XXXX in XXXX, Florida. I made a down payment of {$4000.00} in cash and financed {$14000.00} at 21.99 % interest though Lobel Financial. I was provided a phone number to make payments and never received a copy of the contract or any monthly statements for my loan. I made over {$15000.00} in payments and wanted to understand the payoff amount. When I called Lobel Financial, they told me that the contract was only in the name of my mother so they would not speak with me. Eventually, I got a copy of the contract, and it does not even have my name on it, and it has a fictitious address for my mother. My mother was never present in person, by phone, by video, or any other means. She did not place any signature on the contract, and nor did I, although someone did forge a signature for her that looks nothing like her real signature. I have records of the $ XXXX in payments and proof that I was the person who bought the car and drove it off the lot in XX/XX/XXXX. Lobel Financial can not deny that the contract was with me and only me. Given the situation, I decided not to make some payments, and Lobel Financial repossessed the car. I asked them for a payoff amount, and they told me it was {$10000.00} on XX/XX/XXXX. I contacted them by letter and asked them to put in writing that they would transfer title to me if I paid off the loan. They have not responded. When I call them, they will not take my calls or the calls of my agent. I need a written agreement from them to transfer title to me upon the completion of payments, and they can not charge me interest while they are holding the car XXXX and not providing me information that I am legally entitled to. This was my first time buying a car. I was a recent immigrant and didn't understand the language or the laws. Lobel Financial took advantage of the situation and charged me an exorbitant interest rate and now refuses to let me finish payments so that I will get the title in my name. I am a legal immigrant with protected status and have a good paying job for which I need a car for transportation.
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33141	Web
I hope this letter finds you well. I am writing to request your assistance in obtaining a 1099 statement for the tax year 2022. While reviewing my financial records, I discovered that there is an account with LOBEL FINANCIAL CORP that has been charged off, and I need the corresponding 1099 statement to accurately report the taxable income. Based on my understanding, a charged-off account signifies that the bank has deemed the debt as uncollectible. However, as the account holder, I still need to report the charged-off amount as taxable income in accordance with the Internal Revenue Service ( IRS ) regulations. Therefore, I kindly request that you provide me with a 1099 statement for the charged-off account, detailing the necessary information to properly report the taxable income. This statement should include the charged-off amount, any applicable interest, and other relevant details as required for tax reporting purposes. I understand that obtaining the 1099 statement for a charged-off account may involve a different process or require specific documentation. If there are any forms, declarations, or procedures that I need to complete to facilitate this request, please provide me with the necessary instructions or guidance. I am more than willing to provide any additional information or documentation that may be required to expedite this process. As the tax filing deadline is approaching, I kindly request your prompt attention to this matter. Ensuring accurate tax reporting is essential to me, and I greatly appreciate your cooperation in providing the necessary documentation in a timely manner. If you require any further information or have any questions regarding this request, please do not hesitate to contact me at your earliest convenience. I am available to provide any additional details or clarification that may be necessary. Thank you for your understanding and prompt attention to this matter. I value the services provided by LOBEL FINANCIAL CORP and look forward to resolving this issue so that I can fulfill my tax obligations accurately. Sincerely, XXXXXXXX XXXX XXXX
11/29/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 953XX	Web
I have a ldw ( loss damage waiver coverage and Gap insurance with Lobel Financial since XX/XX/XXXX i first financed my vehicle I've had this vehicle 1yr 10 months i am so close to paying it off. Car accident of My car was hit and ran i was not at fault on XX/XX/XXXX i submitted my police report to the company. After calling then endlessly and being hung up on multiple times vu the company 's Claims customer service rep, they eventually sen out an appraiser Two days later XX/XX/XXXX, she tokd me they'll have my repot the same day. I erged them to please expedite the process due to this situation holding me back from obtaining another loan for a vehicle because i do need to get to work with stable transportation. However i gabe them a call today XX/XX/XXXX amd was told the appraisal report was not sent to them so i hung up with the representative amd called the appraisal representative myself amd she informed me that my appraisal report was indeed sent on the same day XX/XX/XXXX, so the compnay definitely have it. Why are they making me sufder prolonging my claim? If they don't want to handlr thesw ttpes of things maybe theu shouldn't be in this type of business or providing tne tyoe od services they are offering, poor customer service and they give me the run around and hang up in my face, denying me to speak with a manger, they treat me like i am doing something wrong, like they are punishing me through dragging my claim out and getting me back on the road. I aksed then will tbey ne repairing my vehicle or would they be totaling it out so that I'll know what u meed to do for now however they are not giving me any answers when it is my right to know. This is sad because there's no other way to get in contact with anyone else for this company. I am very exhausted and emotionally botgeres dealing with this type of treatment from this company is this hie they treat their customers something big has to be done about this. I need more resources for getting this business recognized for these foul and negligent acts against consumers
06/21/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AZ 85206	Web
Lobel Financial is denying that they ever collected the {$1600.00} down payment from the Consumers. The receipts previously submitted are evidence that it indeed was in FACT collected and per the letter from XXXX XXXX XXXX XXXX confirms they did receive the {$1600.00}. Per the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders and other financial companies treat consumers fairly. A down payment is an initial, upfront payment you make towards the total cost of the vehicle. Per the Federal Trade Commission Guidelines Bait and Switch is as follows : Under Title 16 Law Per Code 238.4 Switch after-sale. No practice should be pursued by an advertiser, in the event of sale of the advertised product, of unselling with the intent and purpose of selling other merchandise in its stead. Among acts or practices which will be considered in determining if the initial sale was in good faith, and not a strategem to sell other merchandise, are : ( a ) Accepting a deposit for the advertised product, then switching the purchaser to a higher-priced product, ( b ) Failure to make delivery of the advertised product within a reasonable time or to make a refund, ( c ) Disparagement by acts or words of the advertised product, or the disparagement of the guarantee, credit terms, availability of service, repairs, or in any other respect, in connection with it, ( d ) The delivery of the advertised product which is defective, unusable or impractical for the purpose represented or implied in the advertisement. First, XXXX XXXX confirms that the down payment was received and accounted for per XXXX XXXX Pricing on the response letter from the dealership confirms that the {$1600.00} down payment was in FACT applied towards the car. However, in contrast, Lobel Financial denies they ever received or in their words exactly to the Consumers and stated : that they dont touch the money of the down payment that it doesnt go towards the car price and the customer is still responsible for the {$1600.00}.
09/24/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 93306	Web
In XXXX of XXXX I purchased the vehicle from XXXX XXXX XXXX. I signed the contract, paid a down payment of XXXX and was advised I could not drive off with the car until a few days after. Being so young I felt I was taken advantage of since I had no experience buying from a used car dealership. When I went back to pick up the car as soon as I drove the car off the lot the check engine came on. I went back to the dealer and was advised to take the car to a mechanic they did business with. I went down to the mechanic he read a code and called the dealer. He told me not to worry it was a minor fix. I scheduled an appointment with the dealer for maintenance repairs to fix the error code. They ended up having the car for repairs for a month. I was provided with a loaner vehicle. They advised me it was the oxygen sensor that needed to be replaced. Once they returned my vehicle, the car started running hot. We took it to another mechanic they told us about and he advised me that he had told the dealer the engine head gasket was out. And that they repaired it by just putting sealer. The engine needed to be replaced. They sold the car with a faulty engine and tried to use sealer to hide the actual problem with the car. Due to all of the issues I was having I called and reported the issues to a manager at lobel financial. The dealer at XXXX XXXX XXXX was no longer in business. The manager at lobel financial advised me she would speak with someone else to escalate this matter. I was then advised to take them to court. Being a single working mother I did not have the time and accurate resources to fight this matter for the remaining loan balance. Under California lemon law I should have been protected by loan companies and auto dealers that sale lemon junk cars. They are now saying I owing XXXX for this car I voluntarily gave back to lobel financial after being sold a lemon car. They took advantage of my situation and pocketed the XXXX I paid for a down payment. They sold me a car with an engine they new needed to be replaced.
07/09/2018	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	CA 93702	Web
I had purchase a truck from this dealership at a certain price that I took out that same day everything happened so fast that I didnt believe it that I had boughted a car by my self I took it in give a down payment if it promised to pay in one month while I made my first payment on the load made my first payment on the loan but one week before the 30day warranty period the truck broke down which I had to pay out of pocket because I could not afford to loose any day of work fix the truck for couple day driving it white no ac for the matter that I had fix up until I need to make my down payment already but second payment on the loan came by since it way on a holiday XX/XX/XXXX one on my derelict deposits was not made until the next business day so second payment fail got the call from the dealership say that there contract with this lender was rejected and we had to apply for another lander which was libel finacial give me a higher interest rate and payment plan with a an additional hidden fee called GAP got approved had a cal from the lander asking me additional questions about the vehicle that the dealer told me to say in other word lie to value more the car and get approved with out my acknowledgement of there intention got approved never seen the original contract from the second lander in the mean while my truck was getting fix driving a loaner car from a the dealership missing afew Daya work getting fired from one job a had out 2 in that time frame and never got Reimburse of anything out of my pocket 6 to 8 pass the lender harassing me that I had not made my full payment that I had trusted the dealer I was going to pay XXXX $ instead of XXXX $ before with the other lender long store short I couldnt negotiate nothing with the lender and told the lander yo just come and repo my truck have to loose a lot from this deal that I felt was wrong as a costumer I feel being a fist time buyer things like this should not happen to no one very upset of this deal never again I ll buy a used vehicle in my life.
05/09/2015	No	Consumer Loan Installment loan	Problems when you are unable to pay	NV XXXXX	Web
In XXXX 2012 I bought a Jeep that was financed by a jacked up company called Lobel Financial. I started having problems with them right out of the gate, way before the first payment was ever due. They jacked up my payment by {$66.00} a month claiming that the required proof of insurance had not been provided. They 're blatant liars. Proof of insurance had to be submitted before ever being to take the vehicle from the property. This continued throughout the entire time I had possession of the vehicle. I will be submitting proof of this claim. Before the first payment was due I got sick and was diagnosed with XXXX. I was on LOA for 3 months. I was struggling to survive & they kept jacking the payments up. Maybe a year into it, the picked it up. The Monday morning they took it, they also received a payment. I had called on Friday and given them the information but they made sure they had it picked up before the mail ran that day. While in their possession it was damaged. I fought and got it back but naturally not without additional fees. They made me sign a paper they refused to give me a copy of. I had a witness to that. It went along again for awhile and they did it again. I was n't going to fight for it the second time. The sow that works the XXXX XXXX office sold the vehicle & proceeded to sue me for the what the balance was when they took it which was about {$7000.00}. She really thought she was going to get both. Lobel Financial has repeatedly been asked for the proof of the sale to see what they really got for it and they have refused to provide. When we went to Court she claimed they only charged me {$66.00} one time, but that should never have happened. I maintained the proper insurance the whole time and that proof was submitted to the Court. The DOJ is finally taking a look at the practices of Companies like this. Now she has a XXXX XXXX trying to collect another {$2000.00}, balance is incorrect and not owed. I have submitted a complaint to the CA AG 's ofc to look into this matter as well.
03/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89145	Web
So this is the owner I am the owner XXXX XXXX or XXXX XXXX XXXX XXXX I am the owner of the XXXX XXXX falsely illegally impounded by XXXX XXXX XXXX XXXX Police department XXXX XXXX and another entity called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The VIN number to my vehicle is XXXX XXXX lobel financial account number in XXXX. I put down {$4000.00} And I made my first payment on the vehicle and today I made my second payment on the vehicle this vehicle was impounded at a parking gym properties while I was staying near and I paid for the valet services on my stay also I had over {$500.00} on my account in positives sitting for reserves at the time of my state not only did they attempt to erase my state at XXXX say that they told my car to be valid towing and it was in a fires on there's no video or footage of these alligator stories all I want in the general is for my vehicle to be released from XXXX XXXX XXXX and brought to me or immediately released I went down there today to move my vehicle with all my ownership information I even contact my financial company about the vehicle multiple times Park reported the vehicle stolen I reported his stolen the night of XX/XX/2022 I was staying in room XXXX I attempted to go to all measures to retrieve my vehicle and all legal possible methods in all very message I reported the XXXX XXXX which was connected to me through XXXX that was told to stop when the car was initiated for when they were still in the car I reported this to all entities reported this too but XXXX who continued to hang up the phone on me I don't want the vehicle because the vehicle was used or taken and was out of my supervision with underneath to me with no valid justification for towing it so some suspicious activities to occur I just told them to bring me my vehicle I went today and retrieve it they had other stories talking about they need to run it through whatever there is nothing that I had going on anywhere i proved owner ship
01/20/2018	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AZ 85138	Web	Servicemember
I believe I am a victim of predatory lending. Around XX/XX/XXXX I made a purchase on a vehicle, a XXXX XXXX XXXX from a car dealership in downtown XXXX area called XXXX XXXX XXXX ( May not be exact name ). The salesmen was able to get me a loan through a company called Lobel Financial at a desirable rate.I test drove the vehicle and everything seemed to be fine, until I took it home. This was the beginning of the end. I started experiencing problems with the vehicle within the first two weeks I had it. The transmission was " slipping '' in between 3rd and 4th gear, It was overheating and there was something going on with the engine. After getting stuck on the side of the road a few times, I returned to the dealership to try and get help with the problem to no avail. I ultimately had a mechanic look at it and he told me that the vehicle " would never run again ''. He explained that a new engine was needed in addition to my already existing transmission problem. I had already changed the thermostat, oil, and replaced the battery. I am a XXXX XXXX and I could barely even afford to do any of those things. At this point I was upset. I even contacted the finance company and received nothing but nasty language in return. At the end of the day Lobel Financial just wanted their money. If they 've kept they 're logs and stayed true, these problems should be documented on my account. It is my belief that I was sold a lemon purposely. There was a lot of pressure from the salesmen to " buy '' this vehicle because tomorrow could yield different results ( as far as monthly payments ). Now I have this on my credit report and would like it to be removed. This is unfair and unlawful. I have successfully obtained a lien against the car dealership. Now I would like to seek out a solution from the finance company which is removing this off my credit report. This is hurting my credit and stopping me from future purchases..
09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 958XX	Web
Bought a vehicle at XXXX XXXX on XXXX XXXX XXXX XXXX a XXXX loan which got XXXX add to it plus the Lobel Financial Company in XXXX XXXX XXXX, they are local people who commit Fuard with other people and scaming consumer credit points, my account with invading my privacy as consumer citizen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with plus they fuardlu get me pull over almost every month for no reason XXXX XX/XX/2022. Put down a XXXX. XXXX payment XXXX Missed a payment in XXXX due car broken down XXXX car problems XXXX. XXXX second payment XXXX payment I made several complaints since the car broken due to app. Which cause the car thermostat explosion on and overheat and illegal internet hook in the truck vehicle which is why I surrender the vehicle.XXXX call to complain Warranty which was Fuard and charge addition XXXX to loan, about how the car brakes, oil change and truck don't lock broken, tires need replacement. How there's a gps tracker and the bank or the dealer is putting my life in danger and sending people to stock me and harrass me and start problems Car had huge gas sucker XXXX in one day The car lights didn't work. The back brakes light kept going out. The car only came with push start no key to open door On XX/XX/XXXX tow yard pick up car and didn't wan to give any information about car They said XXXX will get the car so I went XXXX and tow yard and when I got to tow yard the car didn't start and once again the car was broken down N it was same problem as before I only had car 4 months headache This car got scratched the first month I bought then I experience no help with insurance company and made several complaint to insurance Nhow this ruin my reputable cause me trouble ruin my credit N causing problems The job and car loan and dealer. Are all in the same area and they all working against.
03/09/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 95815	Web
XX/XX/2019 a man by the name of XXXX flashes a flash light in horizontal gestures outside my home. As we live in a high car breaking area I think some one is trying to break into my husbands car as it happened once already in the previous months. I look outside my window and I go outside he states he is here for my vehicle that is secured not once did he mentioned who he worked for and he told us his first name after we asked him. Since our initial conversation he stated that if I did not open the gate he would have police involved to have me arrested immediately for trying to deny him access to the vehicle. He said even though I was not legally the owner of the vehicle that he could still have me arrested and gave me a penal code that I do not remember about a it becoming a felony when we tried asking him more questions he kept saying that he should have already called the cops on us and that he was being nice guy already. He also said that he didnt want to call the cops because that meant they would have to look in my house and if I had something that I shouldnt have even if I was just house sitting or something like that I would be the one at fault and I would be the one arrested. I told him I had nothing to hide that was not an issue. XX/XX/19 My husband called the lender and they told him they were not authorized to give him any information. XX/XX/19 My husband calls again the lender and will not disclose any information as to how we are able to get the vehicle back. XX/XX/19 I become involved and try to get information as they are now asking for a credit application in my name but they refuse to give any information as to why they want me to give them my personal information. As of this date it has been past 48 and we have not received a Notice of Seizure or any information as to how we may retrieve the vehicle.
12/02/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 956XX	Web
I had my car repossessed by Lobel Financial on XXXX XXXX. They stated I was 45 days late in XXXX payment. I always pay my car note on or around the XXXX of each month even though my car note is due on the XXXX of each month. That brings me to be 15 days late each month. I was told they are tired of me paying each month late. And out of the 8 month I had my car which I got back in XXXX I have paid my car note late 6 times. I checked my credit report on XXXX XXXX, and my report state I paid every car note on time. I did make a payment XXXX XXXX. I was told that was for XXXX but on my credit report it was reported as on time for XXXX. I contacted Lobel a few days ago and they stated I missed a payment in XXXX and for me to find that receipt of payment and then they will review my case and see if I can get my car back. When I told the lady that it was positive reporting on my credit I was put on hold for her to tell management I guess. I know I paid XXXX and pay my car note every month. I was trying to pay no more then 30 days before it hit my credit so I can build credit and trade the car in. Also the terms of lease change and the amount I pay each month changed I paid for 8 months and my car loan never went down XXXX bit. I put down {$3000.00} on the car and the current balanceit is more money owed then when I first. My car financed was suppose to been {$7900.00} with {$3000.00} down. In Addition they financed my car with the wrong SSN I had to change it to the right number when they called me a few days after I got the car. Also they had stop completely sending me statements regarding my vehicle. I have XXXX statements and I will show how in two XXXX months XXXX payments where made and my payoff balance only went down by {$100.00}. I 'm very confused.
07/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	OR 97070	Web	Servicemember
I have been asking my lender for a pay off letter for the last 2-3 months in order to sell my car to a dealership. The first time I asked was at the end of XX/XX/2023. I asked if they could email me a pay off letter. They asked why I would want that. And I said I want to sell my car and I need a pay off letter stating how much I owe on my loan. They said okay, we'll mail a letter because they are not allowed to email that kind of information. I gave them my address to send it to and never received anything. I called again in the beginning of XX/XX/2023. I asked again for the pay off letter and once again they asked what do I need a pay off letter for. I explained to them I want to sell my car, please send me a pay off letter. They updated my address and supposedly sent the letter. It is now the end of XX/XX/2023 I called them once again. I asked if they sent the letter and they said we are showing you requested it. I told them it's been almost two months and I have not received anything. I asked if they can email me it. Once again they said no. I asked to talk to a manager or supervisor the person said why, I said let me just talk to your supervisor or manager and they told me that there is no manager or supervisor in. Also my dealer ship had called on my behalf requesting the pay off letter and one person did say they can email it, but of course only the account holder ( myself ) has to request it. But every time I ask for an email, or just mail, or request to talk to a manager or supervisor they just say no. I could have sold my car two months ago, but they won't send me a pay off letter. It's starting to feel like they don't want me to sell my car and keep paying there interest rate.
11/03/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	WA 98072	Web
On XX/XX/2020 I totaled my car I had Lobel financial insurance on my vehicle at the time, I was laid off and have not received unemployment like many thousands of Americans at the time. I totaled my car due to a DUI I called lobel after the accident and the brainless representative told me that their insurance does not cover DUIs and left me with the total debt of the car I was paying insurance over {$200.00} extra on top of my car note and they refuse to cover any part of the total loss. would not work with me at all they told me not to worry about the monthly payments and they will figure this out. One week later they closed my account and sent it to collections I was unemployed and had no unemployment coming in due to the overwhelming numbers of Americans trying to get unemployment in the beginning of the beginning of last year. I now have a collections of {$15000.00} I was served a couple of days ago and they are suing me for the amount, I've called lobel financial and talked to so many representatives and they've all just told me I'm out of luck and I have to pay off the whole thing they did not help me at all I paid over {$200.00} in insurance and they didn't cover not one part I am scammed Lobel financial has already been sued for the same exact thing and I am now another victim if their scam insurance I have court in less than 20 days they are suing me. I want a lawyer I want someone to help me counter suit this corrupt company they damaged my credit, they took my money for a service that they never provided they scammed me. I will do everything and use the lawsuit filed against them recently seems they haven't learned their lesson on the lawsuit they recently got against them
06/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NV 89148	Web
In XXXX I changed my insurance from XXXX to XXXX. I had no issues doing that. My financial company, Lobel Financial, immediately tacked on {$110.00} on every monthly payment for not having insurance. After providing the paperwork to prove my insurance never lapsed, it simply got changed, they promised me over the phone that they would refund my {$110.00} and remove that from my account. This has happened every month since XXXX. I have payed extra {$110.00} everytime. Last month I told them I would not be paying that, and paid only for my monthly amount. They have since started charging me late fees. I also sent a certified tracked letter from USPS to make sure that I had proof they received the paperwork. They have said everytime to send it to this e-mail : XXXX They never answer this e-mail. I have sent over 10 e-mails to them. The support does not help. I have been shut down on the phone MANY times. They do not give call IDs or record the calls. I have asked if I could go to a physical location to fix this but everytime I ask that they shut the phone on me. The office that's listed as their location in XXXX XXXX is empty. I have found evidence of a major lawsuit against them, that they lost, for this very same reason. Where it affected upwards of XXXX people. Here is the link to it : https : //www.consumerfinance.gov/enforcement/actions/lobel-financial-corporation/ I am at the end of my rope. It has been 3 months that having my wife unemployed, work is very hard to come by and money is very tight. I have begged, cried, screamed, pleaded to be helped by these incompetent and corrupt people, but nothing has been done. Currently I'm seeking legal representation to sue them.
07/03/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	AZ 85301	Web
This account falls under the INSTALLMENT ACCOUNTS on my credit report. 4.1 LOBEL FINANCIAL ( Account closed ) BALANCE : {$4300.00} DATE OPENED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX LOAN TYPE : Auto Loan COMMENTS : Charge-Off Account - Fixed Rate This account also falls under PUBLIC RECORDS on my credit report. JUDGEMENT : Case/Docket # ( XXXX ) DATE FILED : XX/XX/XXXX COURT : County XXXX XXXX Court AMOUNT : {$4600.00} This account does not belong to me. Yes, my biological birth name is XXXX XXXX. I do not have a middle name or middle initial. I am not XXXX XXXX XXXX I do have a son by the name of XXXX XXXX XXXX He 'll either go by XXXX XXXX, XXXX XXXX XXXX and/or maybe XXXX XXXX XXXX. My son lives in XXXX XXXX as well. When I first moved to XXXX XXXX back onXX/XX/XXXXI moved in with my son XXXX XXXX XXXX, his wife, and their children. I 'm not saying my son XXXX does have my social security number, but possibilities he just might remember my social security number. I moved from XXXX to XXXX XXXX back onXX/XX/XXXX This particular account was opened on XX/XX/XXXX. The only time I had ever had an auto loan was back in XX/XX/XXXX, and I had a co-signer by the name of XXXX XXXX Never did I ever have another car loan in my name whatsoever. My oldest children have been around numerous times when my spouse and I have talked about social security numbers. Being that mine is not very hard to forget I feel my son has used my identity and I would to have this removed off my credit report. If there is anything else that I need to submit besides this complaint dispute please inform me and I will submit whatever it is needed to clear my name. Sincerely, XXXX XXXX
12/04/2020	Yes	Debt collection Auto debt	False statements or representation Told you not to respond to a lawsuit they filed against you	CA 93033	Web
In 2015 I had an auto loan with lobel financial. I got into a car accident and the vehicle was totaled and I didnt have insurance. I was irresponsible young adult Ill admit that. I couldnt afford it that month. Lobel did tack on some type of LDW insurance on top of my car payment for insufficient insurance. Which I recently found out was suppose to cancel my loan in the event of a total loss. 2 weeks later I moved from California to Colorado. I Never heard from lobel again. I just recently was notified of the garnishment on my check. I called lobel asked about the lawsuit and why I wasnt notified, XXXX insurance that they added onto my monthly amount every month for insufficient insurance. The man I spoke with was very rude and said they did a substitute service and a man named XXXX signed the papers they gave him to give me. XXXX XXXX is my cousins girlfriends dad who lived in California while I was in Colorado. ( I dont ever talk to that cousin ever nor his girlfriend or her dad since before I got the auto loan and till this day I still dont. ) The man also said that I didnt have insurance thats why I still owe them. I asked him again about the XXXX insurance that they were adding on monthly. Then he said I didnt pay the XXXX insurance part just my loan balance. ( But then I wouldve been behind on my car payments right? ). Then he said my XXXX claim was denied because they couldnt get ahold of me or find me. So I asked how they served, sued, and obtained a judgement against me if they couldnt find me and he hung up. 5 years have gone by since I was sued and I never knew! They havent tried to contact me in 5 years.
06/07/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 90011	Web
On XX/XX/XXXX I bought a car that was financed by Lobel Financial. Financed price was XXXX which totaled to XXXX if I followed the 30 total payment agreement of XXXX. In that contract I was charged XXXX for debt cancelation agreement. Once I started the payments Lobel Financial added XXXX to my original balance for LDW coverage for lack of insurance. My payments of XXXX increased to XXXX, XXXX extra billed monthly for 30 months ( XXXX ). I made a total of 10 payments equaling to XXXX including the XXXX agreement. My payments were due on the XXXX of every month. According to the XXXX agreement Lobel had 10 days from the day I went delinquent to revoke the service. I notified them that the cars engine gave out and they assigned my car for repo on XXXX which was before the 10 days of delinquency. My original balance if I followed the 30 month payment plan was XXXX but was increased to XXXX due to the XXXX premium of XXXX. I paid a total of XXXX in XXXX premiums. My debt should have been canceled as per the agreement. They refunded me XXXX in LDW rebate but failed to refund the remainder of the XXXX that was added as the XXXX premium totaling to the XXXX originally added. They charged off my account including LDW premiums but failed to provide me with the coverage. Lobel financial was sued by the CFPB in XX/XX/XXXX for charging premiums after delinquency but not providing coverage. I fall under the class action lawsuit and I would like for this debt to canceled and removed off of my credit report. This practice is unfair under the CFPA. Lobel Financial also violated FCRA by reporting incorrect balance.
11/13/2017	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	CA 95824	Web
I got a car from XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX and it was from Lobel Financial. I recently read reviews from Lobel Financial and I see I am not the only one going through this. My credit reports from all credit bureaus say I have a numerous amount of late payments. I actually did n't have that many late payments and the last payment I made was a payment arrangement, they said I am safe if I made the payment by the XXXX of every month but I still called because all previous payments were always made by the XXXX of every month. The worker said I would be fine because there is a grace period till the XXXX of every month. The night before my payment arrangement my car was repossessed. I was able to get my belongings out for {$80.00} but they would n't let me take my speakers or anything and the price to pull the vehicle out was ridiculous. They sold the vehicle and still demanded full payment of the whole price of the car which was XXXX XXXX something and now they was {$5200.00} in fees. I called and told them that was unreasonable because they sold the vehicle and I can not pay for a vehicle in full that I was not going to get back. They took me to court and garnished my wages of {$400.00} every paycheck! I went to court and fought it and the judged ordered them to stop all payments, refund my garnished wages and to drop the case and amount. This company then reopened it on my credit as a charge off in XXXX XXXX when this hit my credit and was repossessed in XXXX XXXX. I contacted them to remove it and update it and they refuse because I did n't payoff the vehicle they already sold.
09/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92173	Web
Lobel Financial assessed a mandatory insurance policy on a vehicle financed through them even though the proper and required proof of insurance was provided to their legal and insurance departments on several occasions by myself and by my insurance agents. The policy premiums for the coverage assessed on the vehicle were prorated on a monthly basis and added to the monthly payment on the vehicle. Despite repeated phone calls and faxes by my insurance agents the assessment went in for a period of approximately 30 months. Additional attempts to provide proof of coverage were to no avail. Lobel Financial was informed the account should have been credited for the accrued mandatory insurance premiums by XX/XX/2016 else legal action would be brought. Company representatives provided assurances that the insurance issue would be taken care of and that the amount credited back to the loan balance would be used to offset future payments due. On XX/XX/XXXX the company proceded to repossess the vehicle on grounds of missed payments on the account. On XX/XX/XXXX upon contacting the company to cure the loan to recuperate the vehicle the company representatives stated that the only available venue to get the car back would be to pay the remaining balance in full. Their excuse for proceeding in such manner was the allegation that the vehicle was being used to commute back and forth from XXXX contrary to the loan terms. Upon review of the loan documents said clause is obscure and unclear and therefore subject to many interpretations.
03/16/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 95821	Web
My XXXX XXXX XXXX was repossessed in XXXX after missing one payment. While on the phone to negotiate payment with the representative, they dispatched someone out and had my car towed, while at work, and on the phone to set up payment arrangement dates to get caught back up. Fast forward to XXXX, I receive a notice to withhold on XX/XX/XXXX. Prior to this, I hadn't received any communication about this debt. The amount owing is roughly 28K. After pulling the court documents, the original balance was around 7K owing, and the original judgement was entered on XX/XX/XXXX. I don't recall receiving anything about this. I also noticed on the proof of service, the address was spelled incorrectly. There are no documents before XXXX that I could view, so I had to order them. However, according to self-help civil suit division of the court, a trial and all that took place to make this official. I have moved around, have had different jobs and nothing has come up regarding this, up to the latest action of having my wages garnished until after the fact. I was directed to this website because this company had a class action lawsuit against them where they lost for unlawful possessions and unfair debt collection practices. Something needs to be done about the {$500.00} that is coming out of this check, and will be every two weeks. And their legal department is past the point of any communication, even though there were no efforts to communicate with me, assuming they were pulling my credit report to find out where I worked and lived.
05/23/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 935XX	Web
At the time of purchase of the vehicle XXXX XXXX lead us to believe that XXXX XXXX my daughter was the head of contract and I XXXX XXXX will be the Co Signer, Later to find out he switched the info the other way around. Also later after we have retrieved the vehicle I learned that the vehicle was never smoged and the car was not all the way registred through the DMV because it has not been smogged. It is illegal to sale a car from a car lot with a certfied smog. I notfied XXXX that the check engine light was on and that the car was leaking from the coolant reservoir tank. He had paid a smog place XXXX dollars for am illegal smog. The address of the smog place he went to is XXXX XXXX XXXX XXXX XXXX, CA XXXX. He has been sending Text messages from his cell phone XXXX stating Lets hack this situation, I 'll will send you the bill of sale and in the bottom youll read i appoint XXXX as my power attorney to finish all documents in this manner. I 'll email it soon. Im protecting myself from legal issues. Also the dealership is not on a lot. It is a house that he live in with his wife and XXXX dogs and a horse. XXXX has lied to me and the financial company, He is not operating a real legit business. I feel I do not owe Lobel Financial XXXX XXXX does. He lied to them as well as me and they released funds to XXXX XXXX owner of XXXX XXXX XXXX, XXXX that he used to get married. I put XXXX down for the vehicle. I want my money back I put down on the vehicle an the money I have to spend for repairs for the vehicle can pass smog.
02/02/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 94103	Web
I bought this car with a totally unfair interest rate of XXXX XXXX. I didnt have SSN yet and because of it, not credit score yet. Ive been paying my car every month for XXXX years on time and every time i pay through Lobel Financial website, I need to pay {$5.00} service fee on top of the monthly payment. Because of Covid I lost my job and I was late XXXX payments and talked to them yesterday XX/XX/22 because I couldnt pay through the website. The agent said surprisingly Do you still have the car? I said, yes, of course and then he said I had to pay {$970.00}. I got the money to pay today XX/XX/22 because it was after business hours but at XXXX am, a towing company called me for XXXX times while I was sleeping to come downstairs to get my personal belongings because they are repossessed my car. Its just an unfair and rude people from this company, they treat you like garbage even if you are not in this situation. Thats the first time this happened to me and even before when you called to need anything, they are rude and cynical to you and treat you like garbage. Another thing happened, few months ago they increase my monthly payment saying that I didnt have proof of insurance. So I paid, sent the proof of insurance and for another month, they didnt return my monthly payment to the original amount. Very disappointed with Lobel Financial and its employees. Whoever read this, NEVER do business with this company, they are disrespectful, dont have any empathy and have predatory business practices.
11/14/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85379	Web
I contacted my finance company on XXXX XXXX, 2015 made a payment for my XXXX payment and asked if I could have my XXXX payment deferred due to financial hardship. I was advised by a representative to fax a letter in writing to the deferment department explanning why i am requesting a deferment. The represenattive advised that I fax it in ASAP because i was in the first half of my grace period. I faxed the deferment XX/XX/2015 to the deferment department and have a fax comfirmation the fax was successful. I called two days later like i was advised to be told my deferment had been received and being reviewed. Two days later I receive a call requesting for me to make a payment and I advised i had submitted a deferment. The representative stated no deferment was received and aggresively requested payment. I advised him I spoke with someone in the office two days prior and was told it was in the system. He asked me to hold came back on the line stated he did see the deferment apologized and disconnected. I had n't heard anything so i assumed the deferment had been approved until I received a call tuesday XXXX XXXX, 2015 demanding payment. I advised of the deferment and was stated once again deferment was not received and in order for them to process the deferment i needed to pay a {$150.00} fee to process the deferment. I was never told their was a fee to process the deferment and it defets the purpose of a deferment. I have not been treated fairly from this company and have had many problems.
12/13/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78640	Web
Lobel Financial Corporation, located in California, is currently financing my car loan. A few months back, I was a victim of Identity Theft, due to my doctor 's office computer server was breached, and a lot of client 's information was compromised. That was the reason I was late a month on this loan. After that, they instructed to make payments using XXXX XXXX or XXXX XXXX, and I am not longer qualify to make payments using the company website until further notice. I spoke with one of the agents, and he told me this was a temporary situation, and I will be able to make payments online, the same way I was doing before my identity was compromised. I was trying to make a payment using the website, and once again, the system is not allowing me to do this. I called Lobel Financial Customer Service, and they told me that I am not longer able to make payments, probably for the rest of the life of the loan. The agent also told me that to make payment using the company website is a privilege and not a right. The primary situation is that I live in Texas, and the near office of Lobel is in XXXX, XXXX, or XXXX XXXX, and those offices are two to three hours away from my primary residence. I believe that Lobel is incurring an unfair practice and cause me a double penalty by forcing me to pay an extra fee to send the payment electronically. They not even a chance to reconsider or also appeal to any other authority in the loan department. Please advise me on what I can do.
04/04/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 94590	Web	Servicemember
Every month I receive a letter from them stating that because I have no insurance on my vehicle they are tacking on an additional {$70.00}, I do in fact have full coverage insurance on my car and have never had a lapse in coverage. Every month I call and they tell me that they received a cancellation notice so I call my insurance company and they say theyve never sent one. In XX/XX/XXXX my car was hit and so I filed a claim with my insurance and they sent the claim to Lobel and they told me that the letter my insurance company sent was a cancellation, when I asked them to send me a copy of what they received they told me they cant because they dont have it. I have had to call my insurance company every month and ask them to fax my insurance over which they do, after Lobel gets it they say they received the wrong information but I always ensure they fax exactly what they ask for. Every month I pay my car payment either early or on time and every month they are threatening to ding my credit report because I refuse to pay the additional {$70.00} that they are tacking onto my monthly bill. When I filed my insurance claim my insurance company sent me a check that had both my name as well as the auto body shops name on it, when I was on the phone with Lobel the girl told me I needed to send them the insurance check, I politely told them no it goes to the auto shop and she told me if thats what you think
10/25/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75104	Web
Originally, I was 2 months behind with my car payments. I called the lender to make arrangements to pay 1 month 's payment on XXXX XXXX and then the next month that I was behind on XXXX XXXX. The lender agreed, said no problem. I made the payment on XXXX XXXX of {$450.00} which was 1 payment. As of XXXX XXXX, the lender filed repossession and my car was removed on XXXX XXXX, even after telling me I was not in danger of repossession as long as I made the 2nd payment on XXXX XXXX. When I called to discuss the previous arrangement to pay the remaining payment on XXXX XXXX, they did not respond to that question and instead asked me if I wanted to begin the process to get my car back. In response to that, I asked how much I would need to pay to get the car back. They advised they would not tell me until I began the process to get it back ( I did n't know if I could get it back so I needed to know the cost first ). Next I asked how to get my personal belongings out of the vehicle and was then advised that I would need to pay to get the vehicle back. The lady was very unprofessional and was cursing at me over the phone. At this point, I feel as though I do not want the vehicle back because they will come repossess at any time even if I do make arrangements. I do still need my personal property from the vehicle ( XXXX XXXX in overhead compartment ) and would like to see a copy of my loan history notes.
06/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33313	Web
I PURCHASE A XXXX ON XX/XX/XXXX. FROM XXXX I WAS TOLD BUY THE SALES AGENT TO SUBMIT THE AUTO APPLICATION WITH MY HUSBAND XXXX. HE LET THE SALESMAN KNOW HIS FL LICENSE WERE SUSPENDED WHICH THE SALESMAN SAID IT DON'T GO AGAINST THE LOAN BEING APPROVED.FINISH ALL PAPER WORK LOAN WAS APPROVED AND JUST RECEIVED TAG FROM 3 MONTHS WAITING AND UNABLE TO CONTACT COMPANY BECAUSE THEY WERE KNOW LONGER AT THE SAME LOCATION.I VISIT MOTOR VEHICLE REGIONAL OFFICE IN XXXX FL ON XX/XX/XXXX THEY FOUND WHO REGISTER THE TAG AND WENT IN THAT DAY PAID XXXX FOR TAG AND FEES. I ASK THE AGENT PEPE WHY WASN'T I GIVEN A DECAL FOR XX/XX/XXXX HE STATED I NEEDED TO GO TO A TAG AGENT TO RENEW. THAT DAY I VISITED A AGENCY IN XXXX FL WHEN I WAS TOLD SINCE MY HUSBAND LICENSE WASN'T ACTIVE I COULD NOT RENEW UNTIL HE TOOK ACTIONS ON HAVING IT REINSTATED. CONTACT LOBEL FINANCIAL TO ASK WHAT WOULD BE MY STEPS IN REMOVING MY HUSBAND INFORMATION OFF THE LOAN I WAS TOLD BY TWO MANAGERS AND FIVE AGENTS TO FIND ANOTHER COMPANY TO REFINANCE MY LOAN. SO NOW I AM STUCK WITH A VEHICLE THAT I PAY XXXX A MONTH PLUS XXXX INSURANCE. I NOTIFIED THE INSURANCE COMPANY THAT MY HUSBAND LICENSE WAS SUSPENDED AND THEY EXCLUDED HIM OFF THE POLICY. I REALLY NEED HELP ON SOLVING THIS PROBLEM BECAUSE I HAD A DOWN PAYMENT OF XXXX AND HAVE MADE 4 PAYMENTS OF XXXX AND CAN'T LOSE MY MONEY ON A VEHICLE I CAN'T DRIVE. LOBEL FINANCIAL CORP. XXXX. XXXX XXXX XXXX
09/07/2016	No	Consumer Loan Vehicle lease	Managing the loan or lease	CA 95336	Web
I purchased a loan from Lobel financial. I just found out after 3 1/2 years with them and a loan that 's close to being payed off, that I was being charged every month for the passed 39months {$25.00} for " late charges ''. Yes I might have been late XXXX 2 times but not 39 months. This is due to a insurance lap that they say happened. I have not had an insurance lap. I have sent them everything to fix the ongoing balance of {$110.00} but they " never '' receive it. I have even had my insurance agent personally talk to my financial agent and somehow someone is either not sending or not receiving anything. They wanted proof for XXXX 2015. Took them a total of 8mths to fix that issue I told them to credit me for all the times they charged me {$110.00} extra on my bill, XXXX agent told they they had already done that I said ok and that was that. Forward 2 mths later and now I 'm dealing with the same over charge of {$110.00} because of a laps of insurance on XX/XX/XXXX 2015 and on top of that the cause of my every mth late payment is due to the fact that they never told me I had that fee so every month when I would make my payment of {$510.00} those {$110.00} will get left behind and added to next mths as late payment. I feel like this is no rite and they told me that once I get done paying my loan I 'll have another " hidden fee '' of {$1000.00} waiting for me of late fees. Please help
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32811	Web
Thought i had a valid Purchased a vehicle from a Local Car dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XX/XX/20 Was not aware that the Contract was Invalid do to Wrong Name on contract until I fell behind in payments do to Covid-19 and me losing one of my jobs, I contacted Lobel Financial Corp. the loan company, and spk with agent XXXX and a female who said that she was A supervisor, informed her of my hardship, said that there were not able to help me with payment plans at the time that I would need to make payments do to account status. I agreed to post a month payment and kept the arrangement, even though the payment put me in Overdraft with my bank. I wanted to Honor the arrangements, the agent then agreed to allow me 2 weeks for my next payment as I was behind. but then the Car was repo I called and asked Why, I was able to speak with the supervisor and she said that She was aware of the arrangements we made and that they needed more info. Informed that I gave them all that they asked for the assistance and it was denied and then I paid and was able to pay 2 weeks later as agreed and was not able to do to repp. this has effected my credit, I have lost my 1st time home Buyer cert of XXXX do to this hitting my credit. I would like this removed from my credit and to be compensated for defamation of who I am a person and my credit
09/01/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV XXXXX	Web
In XXXX XXXX I bought a XXXX XXXX XXXX financed by Lobel Financial. I signed all the paperwork with my payment being {$290.00}. I went down the street to get proof of insurance for this vehicle, I get back, I was told the finance company had already jacked my payment up. I had to sign new paperwork, making my payment {$320.00}. Before the first payment was due, I got a notice that I did n't have adequate insurance and they were going to XXXX my payment up ANOTHER {$66.00} a month. This continued the whole time I had this vehicle. ALL the documentation is being sent to you. The insurance company repeatedly faxed them proof. Come to find out, that 's their SOP. It 's a major league scam. They now operate XXXX offices in XXXX States. XXXX XXXX is an active, practicing Attorney in the XXXX of CA. # XXXX, admission XXXX XXXX. Interesting, he sues the very people he profits from. In XXXX, Lobel Financial paid {$150000.00} in civil penalties, and {$100000.00} to the XXXX of CA for XXXX and costs. Compare all the complaints with the XXXX, Consumer Affairs, Complaints XXXX, and Debtor 's XXXX, they have a well established, documented theme. They 've acknowledged the problem in numerous complaints but have failed to fix the problem. With him being a lawyer, you would think he would have taken corrective action, but has not. I 'm filing a complaint with the XXXX.
04/19/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	AZ 85382	Web
Good morning! About 5 years ago I was with a guy who purchased a used car from a dealership using a company they recommended to finance. The sales guy was extremely pushy because he noticed that neither the guy or myself had any experience with the process of buying a used vehicle. I was peer pressured into co signing by both the sales rep and the guy I was with, even though it was not disclosed that I would be responsible for the vehicle if I am co-signer. The sales representative also required us to put a card on file and said that I should put mine, since my credit score was better. He said it is just for their records and that card will not be charged. The down payment that day was {$400.00} and it was paid in cash by the guy I was with. Suspiciously, a few days later that same card go hacked ... About a month of two later the guy found out that the vehicle was defective and the problem was temporarily fixed before he purchased the vehicle, so he returned it XXXX voluntarily it was not repossessed ). At the time of him returning the vehicle I was not even in the country or made aware of the situation. Fast forward, now I am dealing with the consequences on my credit score for signing under duress and the company 's false advertisement. I have done extensive research and have found many similar stories.
12/08/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95608	Web
On XX/XX/2015 I purchased a XXXX Mini Cooper, VIN XXXX, from XXXX XXXX in XXXX, CA, which was financed through Lobel Financial. On XX/XX/2015, XXXX XXXX received a letter from Lobel Financial stating that the XXXX Mini Cooper was a Manufacturer Buyback and to please remit payment in the amount of {$7500.00} immediately. On XX/XX/2015 I received an email from XXXX XXXX stating that the car was a Manufacturer Buyback and that I had XXXX options. First option ; I could swap the cars and get the same loan with all of the same numbers or, option two ; bring the car back and he would cancel out the contract. On XX/XX/2015 I chose to bring the car back and cancel out the contract. XXXX XXXX returned to me the deposit of {$2000.00} and the {$500.00} towards the cost of the DMV paperwork. First check was n't good. Money returned did not include XXXX months of payments I made to Lobel Financial or the {$410.00} I put into the car in repairs. I have included all necessary documentation to show that the contract has been cancelled due to the car being a Manufacturer Buyback and that I am no longer in possession of the XXXX Mini Cooper in question. Lobel Financial refuses to take my name off of the loan until XXXX XXXX repurchases the car. Lobel Financial also refuses to return any payments made on the Mini Cooper.
04/19/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	NV XXXXX	Web
The trash that represents Lobel Financial in XXXX recruited XXXX XXXX to collect a debt that has been disputed from day 1. Neither party has produced requested documentation as to the sale of the vehicle. The request was made via registered mail. They have a wellestablished pattern of failing to respond to requests. The XXXX XXXX XXXX has over XXXX open complaints against them. They continue to carry on this practice in multiple states. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. They started charging me an additional {$66.00} a month even BEFORE the first payment was ever due. That was after they changed my payment amount from {$290.00} to {$320.00}. Take a look at the XXXX XXXX XXXX XXXX filings. It shows the latest XXXX filings by Lobel Financial. XXXX and XXXX XXXX do all the filings. Both are XXXX that profit from the company. Double dipping and unethical. Ca n't pass the smell test there. Read the complaints and look at the scam they 're running with the insurance. They 've duped many people out of there investments. They 're predatory lenders. And they have this ditbag XXXX XXXX funds out of my check that were never owed. Their practices need to be investigated in every state they do business. They are thieves and liars.
06/30/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 932XX	Web
I purchased a XXXX XXXX around XXXX that was financed throughthrough Lobel Financial. Shortly after purchasing the vehicle it began to havemajor mechanical problems. I went back to the dealer who would not help me. My ex-husband took the vehicle to his mechanic without my knowledge. Thismechanic did work on the vehicle that cost more than what the vehicle wasworth and I did not authorize the work. I could not pay for this. I called Lobel financial and let them know whatwas going on. I gave them the information for the mechanic. They did n't want tohelp me either. They told me I was still responsible. I told them I could n't payfor a vehicle that I did n't have. I asked about lemon laws. No one would help me. I received several threatening phone calls from Lobel 's reps. They finally toldthat it would be charged off on my credit against me. Now XXXX years later, I goto purchase a vehicle and I am told that Lobel is showing XXXX days past due andthat this is effecting my credit rating. I have called Lobel and even gone into thebranch to try and get this resolved. They gave me the phone number to theirattorney ( XXXX ) XXXX who I have called and left messages for with no returncall. I do n't know what else to do.
08/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92026	Web
Helped a friend to purchase a car in 2012. I got financed through Lobel financial. Few months later due to friend being laid off, car was repossessed. Car ended up being sold at an auction, & balance that remained on loan was after them selling car was about {$5400.00}. My wages have been garnished since 2012. Every two weeks. I set up arrangements in 2012. 5 years I have been having $ come out of checks which is about {$3000.00} so far. When I noticed on my credit report that balance keeps going up and reflects no payments ever made, I called XXXX Sheriffs office, ( where Lobel said is responsible for garnishment ) when I called, I was told since my payments are set up as low monthly payments, that all my payments have been going to interest and fees to sheriffs office for their collection fee & my balance has gone up as it reflects no payments. So all these years & {$3000.00} has done nothing to amount owed. This is ridiculous!! & seems very illegal. I was never told their was a sheriff fee or interest on account when setting up monthly payments in 2012. I want amount due to reflect my payments that have been made for last 5 years on my credit report, & it to be reported monthly payments are being made.
06/26/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA XXXXX	Web
XXXX I received a letter from the finance company that I had no insurance on my car. I have had insurance since day one. I have had no lapse in it at all. I have faxed several times to the company and emailed. Along with the insurance company, the company and agent. I have called about 10 times to tell them the declaration has been sent. I have asked to speak with a manager and still nothing has happened. I have been told last week that it was manually put into the system but nothing has shown. I called once more XX/XX/2018 before XXXX XXXX. I asked if it showed that I have insurance and no. The person on the phone says no. I have been told there is no proof of insurance and they have the added insurance to the bill. I go online and it is now the 2nd month it has been added. I pay them at least 2 weeks in advance for the car loan. I can not get an answer from anyone or a call back. I had the agent also fax and email them. Nothing. I can not have this sent to collections for the insurance they added but do not need. I need help in getting this taken care of and they have not been helpful in resolving this. This is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX
07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 327XX	Web	Servicemember
In XXXX of 2020, I noticed an alert via my credit card 's credit monitoring service stating I had an auto loan go into delinquency. I thought this was odd as I only have one auto loan and it is paid meticulously. After further investigation, I found there was a loan on my credit report by Lobel Financial at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. The fraudulent account is in the amount of {$5700.00} and upon initially discovering the account, I immediately submitted a dispute via XXXX. The dispute claim is now complete and instead of erasing this fraudulent account from my credit history, Lobel Financial simply charged off {$3700.00}. This is unacceptable as this is not my account. After these results came in, I called Lobel Financials Legal Department and they stated I could have the account removed by supplying a police report and copy of my credit report showing the fraudulent account. After sending this information in, they sent me a letter stating I needed to submit an identity theft victims complain and affidavit via the FTC. I am now about to complete the FTC complaint but I wanted to also file a complaint here to ensure this issue gets reported properly.
08/24/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 90002	Web
I 've been struggling to try to pay my loan due to the fact I work and go to school and is trying to get by everyday and then I ended up XXXX for traffic tickets and lobel financial repossessed my car I understand they 've been trying to contact me but how when I was XXXX and could n't do anything. They told me I could n't get my car back unless I pay the full {$7000.00} loan by XXXX XXXX! Who has that kind of money to just give out! I explained my situation and the girl kept saying because it 's a new loan it 's nothing they can do about it. I 'm pretty sure they can I was willing to make the {$680.00} I owe plus the repossession fees and still they were n't budging. People go through situations and events that we do n't ever expect to happen in our life. why ca n't they understand, I promised I would. It be late anymore and she just kept offered the repossession tow yard number. She was very rude and just hung up the phone on me and my girlfriend. She did n't allow me to speak to management and just kept saying there 's nothing she can do! Yes there 's something u can do! Let me speak to management besides hanging up on people!
03/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 64133	Web
I had a car loan with Lobel Financial and became 45 days behind. Since XXXX XXXX I received a total of XXXX calls between my husband and I cell and work phone .They constantly called back to back and when we did n't answer they would send and anonymous text message stating " please pick up the phone ''. They told my husband 's boss that he was stupid for not putting my husband on the line. When my husband questioned the lady that made the statement she simply said " I do n't care I do n't work there ''. They contacted all of my XXXX references informing them of personal information. Letting them know that we were 45 days behind on payment. They recent took the car which we are find with but when I asked what it would take to pick it up. They stated that I wwould have to pay XXXX. This included 2 monthly payments and a XXXX tow fee which does n't include the fee at the tow. The day that the care was picked up Lobel 's rep called my husband 's phone back to back with in 5 mins at least XXXX time because he kept sending her to voicemail. This collection practice that they have is not right and unethitical
11/30/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95608	Web
I bought a car at a local dealer named XXXX I was told car was clean title vehical. car was not. I brought car back to dealer car was taken back I was givin XXXX bads checks from dealer for my down pmt I gave him. loebell is the lien holder on this vehical .... I gave car back because vehical was sold under false pretense to me, by dealer and loebell financial, I maid four pmts on this vehical plus repairs this vehical was supposed to be taken off my credit report it has not because the dealer does not have money to buy contract back from loebell they will not give back my pmts or repair money I put down I was lied to from onset of deal I gave car back because dealer, HAD TO TAKE IT BACK BECAUSE HE LIED AND I CAUGHT HIM .... loebell wont release me from loan or pay me back the money I paid them, them for fouir months this is robbery I am not respo9nsible for a dealer or lender who falisfys legal docs which is the case by dealer and lender loebell has not been helpful I have been completely abused by every employee there. I w3ant my payments lost time and money back
04/24/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 932XX	Web
My Name is XXXX XXXX On or about XX/XX/XXXX I notified my lender Lobel financial that the way I receive my income had changed. I continued to notify them about the situation every month and it was not until around XX/XX/XXXX that I was told that there was a way to change your payment due date. I followed the process and they continue to not follow through on their end. this is causing me many months of late charges. which they laugh about and say I will pay them in the end of the loan. Another thing I asked them around XX/XX/XXXXif they could pre qualify me to get another vehicle. They told me no they don't do that. They are a finance company that does not Finance loans? Anyways I found out later that the vehicle that I purchased had four accidents. I found this out when I went to trade it in? They new about this when I financed it. I believe that they use this predatory lending practice so that the consumer will have to keep the high interest loan for the term of the loan. Since the vehicle is actually worthless. YOurs sincerely, XXXX XXXX XXXX XXXX XXXX
11/20/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NV 89121	Web
XX/XX/XXXX i got a car loan through Lobel Financial in XXXX XXXX California. In order for me to drive off the car lot, I had to obtain and show proof of full coverage auto insurance which we maintained while having the car. We moved to XXXX XXXX NV in XX/XX/XXXX. In XX/XX/XXXX they repossessed my car. They told me that I owed {$240.00} for extra fees for not maintaining insurance. We had brought our account current and were only missing the $ XXXX that I refused to pay because we in fact had full coverage the entire time. They repossessed the car unfairly. When I called them the same day it was repossessed I was told that they had to re-evaluate my account and let me know how much to pay to get the car. They did not reach out to me for 3 weeks and said that i needed to pay {$1100.00} + the repo fees and the storage fees. I could not afford that. They continue to increase the amount owed by at least {$300.00} every month on my credit. My car should have NEVER been repossessed. PLEASE HELP, I am working on my credit and trying to just have it removed.
08/23/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 937XX	Web
On XXXX I financed a XXXX XXXX XXXXXXXX from through XXXX XXXX XXXX and Lobel Financial. Lobel Financial is in violation of 15 USC 1692e false or misleading representations of the Federal Truth in Lending Act disclosure retail installment loan being PAID IN FULL by my credit transaction finance charge pursuant to 15 USC 1605. The use of my social security number ( credit card 15 USC 1642 & 15 USC 1602l, m, n, o, p ) at XXXX XXXX XXXX and the loan sold to Lobel Financial on XXXX. Furthermore, I paid a {$4500.00} down payment and for full coverage insurance at {$280.00} per month plus a car note of $ XXXX {$340.00} per month. Placed Lobel Financial as lein holder of the car in violation of 15 USC 1605 having been given no full disclosure to my right to rescission 15 USC 1635. No correction of billing errors pursuant to 15 USC 1666 on billing statements or letterhead violating 15 USC 1611 & 15 USC 1640 & 15 USC 15. Lobel Financial have liability for breach of fiduciary duty 29 USC 1109 failing to do whats in the best interest for my benefit by LAW.
05/28/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85043	Web
the legal dept at lobell is rude the talk over you when asked for certain information and try to work with them they wont they tack on all sorts of interest and fees and my auto loan is charged off they threaten law suits originally my engine went out i was having a hard time as my husband lost his job and i was pregnant i asked for them to put XXXX payments to the rear to allow me to get the car fixed the lady asked for proof so i had my mechanic at the shop fax her proof that the engine needed to be repaired next thing i knew my mechanic called and advised they were there to pick up the car and was trying to pay him i called the lady and she advised i could get the car back but after paying my past due and all there towing fees not to mention they served my sister with court papers at my mother address she advised the officer i didnt live there but he said to give them to me at the time i wasnt even speaking with my family and wasnt aware of the court docs i advised lobell that how can they judgement be accurate if they didnt even serve me
02/26/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NM 870XX	Web
Lobel Financial Corp was contacted on XXXX XXXX XXXX regarding inaccurate information being reported to all credit reporting companies. The amount reported on credit reports : XXXX XXXX {$6400.00} XXXX XXXX {$6500.00} XXXX XXXX {$6600.00} XXXX XXXX NA XXXX XXXX {$6700.00} XX/XX/XXXX, XXXX {$6800.00} The amount they have on file is {$4100.00}. They agreed the the reporting amount was in fact different than the amount they have on file. They have continued to report inaccurate account balances. As of XXXX XXXX XXXX and more than XXXX months back. They have changed the account from reporting XXXX charge offs now to XXXX charge off. They have sent information/papers to file for " identity theft '' which was not requested. But failed to send documents regarding the discrepancy of account details. They are showing alot of inconsistent information, actions, reporting information, and continue to increase the balance due. Due to all of these circumstances I would like to request this account be DELETED in law to the Fair Credit reporting Act.
11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92064	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
05/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 070XX	Web
XX/XX/XXXX I financed a car with Lobel Financial for {$13000.00}. XX/XX/XXXX I voluntarily surrendered the car due to the loss of my job. XX/XX/XXXX the car was charged off and no data was reported until XX/XX/XXXX. The agency has been reporting the account as charged off in the amount of {$13000.00} but also reporting that I'm missing the monthly loan payments currently past due. For the time I actually had the car I paid {$4400.00} in six months. The account has been in collections longer than I actually had possession of the car. I no longer have an open active car loan with them. The agency is showing that I have a recent balance due of {$18000.00}. The rate being added to the account changes monthly. I am losing credit score points due to false reporting from the agency. This debt is keeping me from gaining federal employment because it is showing as a delinquent account. I have disputed the inaccuracies with the company and the credit bureaus. There has been no change only that the account has been noted that I disputed it.
05/24/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 76543	Web	Servicemember
I traded my Ford Focus in a dealership in XXXX tx called XXXX for XXXX $ credit tears my new car loan. That car loan was supposed to be for a jeep commander 4x4 sport year XXXX. I asked were is the 4x4 switch on the car. I was informed by XXXX that it was automatic. Come to find out 4 months later even though it had the 4x4 symbol on the back and the contract said it was a 4x4 sport it was not at all it was just a basic jeep commander. When I contacted the finance company they blamed the dealership but acknowledged it was a invalid contract and I asked them if I surrendered it would I owe anything they said no. By the contract saying it was a 4x4 sport it made it cost XXXX more. I looked at my credit 2 days ag and they said on my credit I owe the finance company XXXX dollars. If this is an invalid contract and it says something completely different than I bought I do n't feel I should lose the money I traded my car in do the four payments I made and also owe XXXX $ to the finance company.
10/24/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89128	Web
A fair and reasonable outcome. Corrected and updated credit report, assistance with locating the vehicle, explanation as to why they insisted a tracking device be placed on my vehicle before I could drive it off the lot and reason that they are now saying that was not part of the contract yet I had to pay extra to have it installed and to drive it off the lot. They even denied my request to waive that as a funding condition. They have also denied my requests to have the vehicle located. All negative remarks need to be corrected and at this point since I am not able to locate the vehicle I need to understand the legal aspect of this so perhaps mediation would be a positive solution. Initially, I just wanted to negotiate the additional interest that was added on to the loan. The principal has all been paid off. The additional interest is in the amount of around {$200.00}. They have refused to discuss or entertain any reasonable solutions I have attempted. Again, the principal is paid
08/25/2021	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92870	Web	Servicemember
I was granted a car loan by Lobel financial located in XXXX Ca. Unfortunally i was maybe a month behind on my payment & I was XXXX & car impounded. I was told by XXXX XXXX XXXX my car was lon a 30 day hold, so on the 28 day ( at this point i was XXXX XXXX XXXX XXXX ) i went to the tow yard to figure out how mulch of a loan it would take to get my car out. With all the unethical charges tow yards are allowed to pass on to the consumer, anyhow the tow yard employee advise me that lobel came & repoed my car and all my belonging that were in the car i would have to pay an unethical fee to get that i out. which happend to be my trade tools for work, which i had been fired from. so since i used every XXXX to bail out to try & keep my job i could noy pay the fee to get my work tools out. so LOBEL had been reporting my loan as charged off BAD DEBT every month for almost 2 years? and recent they pulled a copy of my credit report. how can this be legal. please help. XX/XX/2021.
10/09/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	HI 96815	Web
There was a judgment filed against me for default in XX/XX/XXXX. I was not notified or received any documents. I was not properly served or notified, therefore I could not defend myself. I did not sign an agreement to pay the debt collection company. They sent me an agreement I signed with car dealership that no longer exist, and on the agreement the debt collection company ( Lobel Financial Corp ) is not on the agreement, the original credit is XXXX XXXX XXXX.This is a third party debt collection company. Also the statue of limitations in California where debt was created has passed its maturity date. Lobel Financial has been garnishing my paychecks in XX/XX/XXXX. They have no right to collect a debt from over 10 years ago and I did not agree to pay a debt to Lobel Financial. They garnish {$280.00} from every paycheck. Also the judgement states I owe {$11000.00} but the attorney office of XXXX XXXX XXXX located in Hawaii states my debt is {$23000.00}. XX/XX/XXXX
03/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 94124	Web
I got a car to XXXX XXXX in XXXX, California and Lobel, financial finance the loan and XXXX XXXX use my {$2500.00} down payment to pay off their fraud fees to the California DMV and then I have to turn around and pay {$260.00} to the DMV to get a full years registration, which was included in my loan agreement XXXX XXXX lied to Lobel financial about the state of the car and Ive had to pay thousands of dollars to repair it and Lobel financial refuses to put me in a new car or cancel the loan on this one and get me a new one or either way the loan costs more then the car and I want the loan forgiven since I have had to make all these extra repairs and and loan now costs more then the car and I want to be compensated for the fraud that XXXX XXXX and Lobel committed in order to keep me in this car. I only got this car five months ago and I had to pay more and repairs and fraud fees because of Lobel and XXXX XXXX in the car is worth, so I think i should own it
04/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33169	Web
Lobel has been reporting inaccurate information to the credit bureaus and on multiple occasions they will fix it and then the next report they will revert back to the previous reporting. They have also had major gaps in reporting and then tack on added unspecified fees to the account. I have asked to verify these fees added to the Charge off and it has yet to be sent. They also are reporting inaccurate dates and amounts paid and owed. I request that this account be removed immediately because of the unethical reporting and failed communication from this company. I have not received one letter in regards to this charge off since the car was picked up in 2019 after 45 days! This is ridiculous and should be looked at the way this company conducts business. The amount of times i have had to dispute these false reportings ' has continually been a burden to my credit and affecting my credit history in a major way. This company should be shut down indefinitely.
07/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 14621	Web
I purchased a car XXXX XXXX XXXX XXXX in XXXX ny with a lease term of 20 months when the payment book arrived It was for 24 months this was not a problem I completed a full 24 months of payments there was no notification of a balance or anything about 6 months after I completed the loan I went to trade in the vehicle I was notified by the dealership that there was a balance of XXXX which is crazy because My car payments were XXXX per month The dealer explained that he would assume the balance owed and I guess that on my credit report it goes on as a charge off. On my credit report it shows that there was a XXXX balance which has gone up from the XXXX dollars that I never owed in the first place I recieved the care in XX/XX/XXXXI traded the car in, in XXXX of XX/XX/XXXXso there is no way that I ever owed a balance let alone was able to keep this car 3 years after the term.. My credit report shows that I made 70 % of payments which is completely false.
04/26/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AZ 85016	Web
XX/XX/2019, the car was taken away from me without any notice, I did not miss any of my car payment and ruin my credit report. See my months been paid. I believed they took my car out of my apartment 's private parking lot. I was going to sell my car for a in trade with a dealer. They took my car away. the amount is {$4000.00} on my debt. I found this Lobel Financial CORP is a dirty business, they never send me a payment letter, only online with fee plus charged there is no another option to make a payment. There are many negative reviewers say about this company because we become a victims. I found out my car is stolen and this vehicle was in an accident say on the XXXX report when I was trying to purchase for another car and in trade for my former car. This CORP try to force and make me pay my debt that car was taken away from me. Did not miss any month payment. I refused pay because they charged me for extra money on the fee tow and fees.
11/11/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	CA 95367	Web
At ot around XXXX Lobel financial send a tow truck company to repossess my car. I was not home but my mother XXXX several of my family members were home a sleep the man banging on the front door waking everyone in the house and disturbing the peace. I feel this violate the XXXX fair debit collection in business and professional code.. I did not receive any documentation from the tow truck company. my car windows do n't roll up on XXXX side of the car and XXXX does n't go down I feel that my truck is not safe. They did n't give a invoice of the property in the truck. I called the company they had no idea what tow company has my car or were its at. And told me to call back very rudely. This is my frist repo. I just got a transmission rebuild that cost XXXX in the begging of the year. lobel fincal knows my car was a lemon. And told me there 's nothing they can do about it. The car value on paper is not the proper price for the vehicle.
12/11/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 78412	Web
XXXX XXXX I purchased a XXXX not knowing I was getting myself into a loan it was my first car and I paid XXXX down at first he told me i would pay XXXX and the rest payments but I never knew I was getting myself into a loan I thought the payments were going to be made to the dealership. He made me sign a lot of papers I didnt even know. He told me the car was also good and everything was okay but it had a lot of problems I told him about him and he kept saying everything was fine with the car had it for at least 7 months and around XXXX the car got stolen from me and its been 6 months and still no news From it. My complain is that I had no idea I wasnt suppose to put a down payment because the total of the car was XXXX and I still owe XXXX XXXX on the loan after I paid all the payments and down payment. I havent paid the car because it got stolen the loan is called lobel financial and the dealership XXXX XXXX XXXX XXXX XXXX tx
06/26/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	AZ 85206	Web
Please see the previous Complaint ID : XXXX this case needs to be reopened. Lobel Finance states they have reached out to the Consumer this is FALSE! The Consumers have an open ongoing complaint with the Arizona Attorney General 's office Case # XXXX XXXX and at NO TIME has a resolution been reached or any settlement or agreement. Please see the attached letter from Arizona Attorney General 's office in which the case remains open. Lobel Fiance in conjunction with XXXX XXXX is clearly doing a bait and switch of overcharging for the final sales price of the vehicle original amount financed of {$8000.00} Lobel is attempting to have Consumers pay the ENTIRE {$12000.00} which would include the {$11000.00} included 35 months. Consumers are attempting to pay off the auto loan early in which the contract clearly states " no early payoff penalty ''. This is BAIT AND SWITCH Please see the highlighed attached contract page.
08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33404	Web
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX ( XX/XX/XXXX ) SS ( XXXX ) I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. # XXXX account is reporting 90 DAYS LATE on XX/XX/XXXX, XXXX, XX/XX/XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with my company. I was told that my account would be fine and no late payments would be removed due to the Pandemic ( COVID-19 ). My previous payment history and current since has been stellar. I have inaccurate reporting the month of XX/XX/XXXX as well.
03/01/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	CA 91406	Web
I was given a loan for {$22000.00} to finance a XXXX XXXX XXXX XXXX XXXX. I paid {$27000.00} down on the vehicle so my payments were not as high. Unfortunately I was involved in an accident on XXXX XXXX XXXX and my vehicle was deemed totaled. I was covered fully by XXXX XXXX XXXX and they then took over the case. It Has now been 4 months since this accident has occurred and I have not gotten a vehicle to drive, I Was offered a settlement but money was being subtracted that was not negotiated in the very beginning. XXXX XXXX then told me that I was financed XXXX when on the contract it clearly states that I was financed XXXX and I only had the vehicle for 3 months and since they took long to figure anything out I now have late bills with late fees of over XXXX and they are saying I owe them this ridiculous amount of money. " " " " " " " " " " " " " " " " " " "
07/02/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 94801	Web
XXXX XXXX XXXX XXXX XXXX XXXX California XX/XX/ Re : Unauthorized Credit Inquiry To Whom it May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to fonvard me documentation that you've had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report. then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. Thank you, XXXX XXXX
02/22/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 94531	Web
The amount of this car loan has been taking care through wage garnishment XX/XX/XXXX. Lobel Financial continues to change the status as judgment to charge off. It has been affecting my credit for the last 8 years. I have paid over {$11000.00} into this debt ; however I continue to accrue interest on the original debt that was roughly 14k. Today when I called the sheriff office i was told that the balance to satisfy this debt is another {$10000.00}. The car at this point is only worth {$1600.00} ( which Lobel Financial repossessed in XX/XX/XXXX ). When I've called the company they just give me the run around telling me they aren't allow to give me information about the account ( not even the account number associated with this car ) and suggest I call the county sheriff office for more assistance. That call leads me right back to square one because the sheriff is only collecting the money nothing else.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 952XX	Web
I had an auto loan with Lobel Financial, the car was impounded by local PD and then repossessed by Lobel Financial, then Lobel Financial sold the car at auction to compensate the remaining balance on the loan. Now the issue has escalated to litigation for any remaining money owed and the case was closed a few years ago. Lobel Financial received payments from me for over a year, then received the car back, sold it for less than market value, added legal fees to my balance owed and continues to charge me interest on the loan, the account was reported closed before Lobel Financial repossessed the vehicle and remained closed for years, the status changed a few months ago as an open auto loan on my credit and they refuse to correct it. My balance is ~ {$2000.00} more than the initial loan amount even given the fact that I made payments for a year and they received the car back. How is that possible?!?
03/23/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75154	Web
Lobel Financial increased the amount showing for a charge-off on my credit report from {$6900.00} to {$12000.00} without reason. During a phone conversation with XXXX in the legal department on XXXX at XXXX she explained that I had paid the balance of the vehicle down to {$6900.00} and the vehicle was sold at auction for {$3500.00} which meant the balance should never had doubled on my credit report. I never received a notice that the vehicle would be sold at auction and the vehicle was returned in XXXX of XXXX. Also, they never sent me a surplus deficiency letter, so I did n't know if they required me to pay an additional balance. The information that Lobel Financial is reporting on my credit report is inaccurate and must be removed according to being in violation of the FCRA. I would like to have this removed from my credit report because I feel that Lobel is being deceptive.
04/09/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 95337	Web
I purchased the car from XXXX Autos who used Lobel Financial for the loan. Immediately after I got insurance they raised the monthly payments. I called them and asked for them to mail my new account balance to me or email it and they hung up on me. I called back they said I have to fax a request. Now I paid to fax my request and they say they do n't know where to send the fax. So I send another fax with the fax number to send the disclosure to and they can not confirm they received that fax. They wo n't let me speak with a superior. I have been getting the run around trying to get the balance owed since XXXX this year. I need to know the account balance it 's my right so that I can pay off my car in full so that I do n't have to deal with this company anymore but they refuse to give me this information. And everytime I call I get different people telling me different things.
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 806XX	Web
I had paid off the loan 2 years early to LOBEL FINANCIAL. My final payment of {$5000.00} cash wire to them and looking now at my credit score 3 to 4 years later it says I owe LONEL FINANCIAL money when I do not they have occurred nearly {$3000.00} of debt, When in fact I do not owe them a dollar I had pay them off and I have called them XXXX or XXXX times SENT EMAILS about this and they just hang up on me its very upsetting to see them hurt my score when I had paid a {$13000.00} loan off 3 years ago. Not to mention the car broke down it doesnt work the first year I bought it because of transmission problems they sold me a XXXX car and with A high loan RATE and then when paid off they accumulated close to {$3000.00} of debt. I HAD TO CALL 4 times for them to send my title a month Ofer not receiving it. Looks like EVERY employee there is very incompetent of doing a job
02/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	CA 94103	Web
My name is XXXX XXXX XXXX I paid the Lobel Financial of {$8300.00} last XX/XX/2018 as to settlement on this agreed amount for the debt I owe them. Yesterday I obtain my credit report thru XXXX and came out the result that Lobel Financial didn't updates my status to the credit bureau. When I called them the person on the legal department was very rude to me over the phone because I insist to him that it should be cleared and therefore I request to him for an immediate action but instead he replied investigation should be proceed first and it takes 60 days. This is not fair I told him then I said I will complain to the CFPB then he replied you can complain as much I want. Please help me. I will attached my Financial Refinance Statement that I settled from the XXXX XXXX XXXX along with the Recent Credit report from XXXX. Sincerely yours, XXXX XXXX XXXX
10/13/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NY 114XX	Web
I have a car loan with a financer in XXXX. Now I live in XXXX XXXX and my vehicle is registered and insured in XXXX I want to refinance my loan because the interest is very high ( 21.99 % ), one of the requirements is the original title of the car since XXXX XXXX is a state without a title and the title holding state law protects me, any procedure is required of the same, I have repeatedly requested the title of the car from this finance company in order to refinance it with another entity, but the finance company refuses to give me the title or to refinance the debt and argues that the contract was signed in XXXX and therefore they can not give me the title until the debt is paid, but I can no longer pay these high payments on my loan. They have not sent us a copy of the contract either because everything was online through the dealer.
08/24/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AZ 85741	Web
XXXX XXXX Offices is acting as a debt collector for Lobel Financial. The vehicle in question was repossessed approximately 10 years ago. They have been garnishing my wages to collect a estimate amount of around XXXX. With my current employer they have garnished a total amount of XXXX. That doesnt include what they have garnished of the years. I contacted XXXX XXXX XXXX regarding this supposed debt and they stated that I owe them over XXXX. I explained that the original amount was closer to XXXX and I have been having my wages garnished sporadically of the last 10 years. They stated that although I have made payments the amount more than doubled due to interest and their fees. This is causing undo stress on myself and causing a financial burden. I have XXXX XXXXXXXX children to care for and they take close to XXXX monthly.
05/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78240	Web
The unknown company is charging recurrent fees for late payment when the account has been closed and do not understand where all these late payments are being made up from. This has generated an exaggerated amount with a negative impact reflecting within my credit profile. I do not know who the debt collecting agency is because in my credit profile all I see is the financial company that I paid the money to which is called Lobel Finance. I believe that Lobel Finance is selling old accounts to some secret collection agency company in order to negatively affect the former clients ' credit reputation. Something must be done to stop these organizations from selling the clients ' personal information for financial gains and charging fees that are irrelevant to that owed when an account has been closed for more than 2 years.
02/13/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	AR 717XX	Web
I owed one payment and was a couple days late. I called on a Tuesday to inform them I'd pay on Friday. The next day a " repo man '' arrived at my home. The car was not operable and when asked to remove my belongings I declined and requested the address of the tow yard it was going to be taken to. I was given what was later determined to be a false address. After making the final payment calls to the company were ignored for approximately two weeks. Finally I was told the car was sold the previous day at an auction. This all tool place in XXXX or XXXX. Last year, XXXX, I received two judgements against me. The first in XXXX XXXX County, the second in XXXX County resulting in a wage garnishment. I have not lived in California since XXXX and had no idea these claims were filed therefore I was not allowed to respond.
10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78247	Web	Servicemember
On all 3 credit bureau reports, Lobel Financial is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to Lobel Financial and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". Lobel states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from Lobel so my concern is the company is not reporting correctly. I do not know what to do from here.
10/21/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OR 97233	Web
I contacted XXXX XXXXl in XXXX to set up a payment arraignment and in XXXX again because i was needing to split my payments ... in XXXX Just a day before my scheduled payment arraignment lobel financial reposessed my car and every thing in it ... .and than they wanted over {$1500.00} to get it out of XXXX. I was not prepared to pay this amount our set up arraignment was for {$250.00}. XXXX XXXX was the day we had we up to pay the XXXX.. after the vehicle was repoed i contacted lobel and they proceeded to put me on hold for long periods of time, was hung up on, reps and management were very rude and not helpful. And claimed not to have even one notebin the system for a payment arraignment.. now I 've got no car and no job because i needed reliable transportation to keep my job...
09/05/2023	Yes	Vehicle loan or lease Loan	Repossession Voluntary repossession	FL 32714	Web
I Did XXXX Consecutives payments and voluntary return the car otherwise they sold the car, and I paid the difference. and now they use the incorrect information in my credit report because LOBEL FINANCIAL XXXX sold the car. information not verifed from Corporation XXXX XXXX value represented in the contract. So it was paid XXXX $ in XXXX monthly payments. and 2020 payment XXXX $ total amount XXXX $ and the original amount XXXX $ difference is XXXX $ the car value in XXXX $ at least XXXX XXXX in auction Nothing in these records is accurate was my debt or was a value car in my credit report no appears any information when This account is scheduled to continue on record until????? is inaccurate and unlawful. I can't pay a lawyer. and add destroyed my Credit Report
02/27/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92553	Web
Lobel Financial auto loma has been harassing me my family members and friends calling my job everyday giving them different names for me to call them back about a auto loan I didnt pay telling my employers why they are calling to collect a debt after I told them not to call I never gave permission for them to contact my job or my reference ... they sending me court papers stating they are suing me for the amount owed and will garnish my wages if not paid I never received a court paper to appear in court. When I called to ask they said they would send me to the legal department and I told them I didnt k ow I was being sued I didnt receive any papers and the legal team told me to pay up or they will Sees my assets and garnish my wage Im so confused on what to do
05/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94601	Web
I bought a car from Lobel Financial account # XXXX. The company began reporting on my credit file to a three creditors, on XX/XX/XXXX. My last payment on this vehicle to Lobel Financial was on XX/XX/XXXX. I disputed on XXXX, the payment history and request for corrections to be made. Instead of correction like requested, account was removed from my credit file with all three credit reporting agencies. I contacted the company Legal department many times by email, phone and fax. And I was told, the company would replace the information to my credit file. But, it's still hasn't showing up on any of my credit reports. I believe the company can careless about correcting the information on my credit file and replacing it, due to the vehicle already purchased.
03/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93704	Web
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT )
10/03/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 90063	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/2018 Dear Sir or Madam : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with LOBEL FINANCIAL CORP. I am not responsible for any charges made to this account. Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. Thank you for your assistance Please investigate this matter and correct the fraudulent debit of {$8000.00} as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance. Sincerely, XXXX XXXX
07/28/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 946XX	Web
I had a loan with lobel finance, they tried to repo the csr in XXXX after I made XXXX payment on XXXX, they send the repo and he violated my right lifted the car and damage it, I call the cops I call the bank to make payment and they refuse to take it thinking the repo going to take the car, police make the repo drop of the car, for 3 month after and my car is damaged and I tell the finance company they refuse to give me repo company info and they claim no responsibility, I requested for loan to be paused original loan amount is XXXX after 7 payments of XXXX and 1 payment of XXXX my pay off is at XXXX they refused to talk and the car is totaled they kept charging me while ignoring me, refused to pay me gap
12/08/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CA 95206	Web
I sent in a dispute to all 3 credit bureaus XXXX XXXX and XXXX as well as to this creditor who is wrongfully reporting inaccuracies to my report Lobel Financial. In regards to this account that is on my credit report that I have no awareness of this account is negatively affecting my credit reports and it is inaccurate information. Please have this debt removed because when I sent in dispute letters to all 3 bureaus they failed to show me any proof of validation. They just verified no original contract that bears my signature no balance they say I owe or even what I owe it for. So Since they are violating my rights I would just like for this account to be removed from my credit report on all 3 bureaus.
09/03/2020	Yes	Vehicle loan or lease Lease	Incorrect information on your report Old information reappears or never goes away	CA 95336	Web
I obtained a loan for a vehicle that turned out to be a lemon in XXXX of XXXX. I voluntarily gave up the vehicle. The company sold the vehicle at auction for more than I owed. I was told the debt was settled. Then in XXXX I received a notice if wage garnishments from the loan company. I then found out they lied to the courts about serving me any documents. Again in XXXX they lied again about serving me and was granted another judgement against me. This is the worst type of fraud. Now they keep reporting this to the credit bureaus as a new debt every so often so it doesnt come off. I cant afford a lawyer and as they use the courts that are located 100s of miles from me I dont see how I can fight it.
04/21/2017	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	IA 505XX	Web
Filed prior grievance of company doubling reported amount owed from XXXX to over 6800 through credit bureaus. Through XXXX amount was reduced back to XXXX. Since then made settlement through XXXX XXXX 3rd party collection which reported correct original amount of XXXX when settling account. Showing paid in full middle of XX/XX/XXXX. Since then Lobel Financial raised again reported balance to XXXX on credit reporting agencies and shows amount owed. I have disputed again through financial agencies which came back with no change and again unexplained doubling of amount owed. the doubling of amount randomly appeared end of XX/XX/XXXX though for prior 3 years before doubling had a debt balance of XXXX.
02/23/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 95823	Web
I purchased a used vehicle from a dealer now out of business. 18 months after purchase car has complete mechanical failure. I called loan company to surrender vehicle and negotiate settlement on acct after they auction it off. Loan company refused to take possession and abandoned with mechanic. Mechanic is now forced to deal with issue. Fear loan co will put this on me even though I surrendered vehicle to them 3 times in 3 days. I do not deny I will owe monies, but expect loan co to try to recoup what they can from car to reduce amount owed. Fear they will not do this because of the effort involved. Mechanic expressed frustration with loan companies lack of professionalism and ethical mannerism.
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33437	Web
So I use to have a car loan with financial Lobel but it didnt last because the car was really bad kept on breaking down and also I was young I didnt look at the interest rate which was really high so I had submit my last payment in XXXX and call them for a volunteer surrender I explain to them why So they agree with me and told me that they will sell the car in auction The loan was XXXX They sold it for XXXX They also mention that I didnt have to paid anything at all thats left So for some reason they kept on adding random charge to my credit kept on putting late payment which is not true Every month my credit kept on going down because of them when the account was to be closed a while back
08/14/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	FL 33709	Web
I spoke with multiple on the phone to figure out what steps I need to take to trade in my car. They said I needed to let the dealership I was working with take it from there, I traded in vehicle on XXXX XXXX and I had a new loan open. Done deal they were paying off low bill. Next thing you know Im getting calls saying that I never sent my payment and it was Already at the end of XXXX on the XXXX I asked dealer I purchased new vehicle with and they quickly responded they sent the check on the XXXX of XXXX. I need help to resolve this negative impact on my credit which lobel promised they would resolve before closing my account, my credit had dropped to poor levels after this incident.
04/16/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 94124	Web
I bought a XXXX XXXX XXXX more than 5 years ago with an approximate financing amount of XXXX XXXX, I paid them on time for almost 4 years, when the pandemic came I couldn't keep up to date, they got the car back in perfect condition in working order, with a market price of more than XXXX XXXX, they didn't discount anything and they even charged me absurd fees where I paid over XXXX dollars in collect and now they are saying that my debt is at XXXX XXXX dollars. they refuse to send me any kind of payment history or contract and they keep messing up my credit month after month.in addition to being super rude when we called, treating us like garbage and not giving any information
03/08/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MS 387XX	Web
I bought a car in XXXX. Lobel Financial is the institution that provided funding. This account has been closed for around 2 years but continue to increase the overall total debt. I was notified that I had a new account opened on my credit report through XXXX. As I looked in to the notification my debt increased from the current car that I have which is {$19000.00} to {$44000.00}. Under total accounts, the number was still the same, but, Lobel Financial is now in an open status. When this happened, my credit score dropped XXXX points. Ive been fighting this institution for months. They keep changing information on my credit report that is not accurate. It seems intentional.
08/01/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 95361	Web
In 2016, my son went to XXXX XXXX XXXX in XXXX, CA and was given a vehicle loan. On XX/XX/XXXX, there were papers to lien my payroll checks for a loan with Lobel Financial. I have never applied with my son to buy a vehicle. My credit has never been good enough to sign a loan with anyone. I currently have a 28 % interest loan due to my credit score. The used auto company used my information to provide a loan for my sons vehicle fraudulently. Throughout this loan and during collection proceedings I was never notified in any way. The documents have an address in XXXX, CA and I lived in XXXX, CA for over 10 years. My drivers license has been attached.
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93727	Web
LOBEL FIN XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$770.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
12/29/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 953XX	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95824	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89119	Web
The vehicle was repossessed in XXXX of XXXX from a tow yard. For 6 months after that, I recieved parking tickets in the mail from them driving on my plates. Now they constantly change the status of my loan on my credit report, they agreed to close the account but mysteriously this month I recieved a " missed payment '' ding on my credit. The dates on this account are so wrong its laughable. It was taken in XXXX of XXXX, why would my last payment be in XXXX of XXXX? I've repeatedly disputed the information on this account with ZERO help. They never update the incorrect information, they just add more incorrect information. I'm at my wit 's end.
06/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AZ 85226	Web
Lobel Financial Auto Loan is reporting inaccurate data on my credit report, and will not fix the errors. See below. I am disputing Lobel Financial Auto Loan reporting on my credit report. See below and attached documents. Payments made were 45 months not 42. ( late payments were still paid ) Total Payments = {$12000.00} not {$8100.00} My payments were {$280.00} a month. {$280.00} X 45 = {$12000.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), I have been denied the right to request validation of the debt. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
10/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 93305	Web
I called Lobel Finianical and ask them to help me with my payments for XXXX and XXXX due to this pandemic. I was told they were working with clients and that i could pay {$270.00} ( monthly payment of {$360.00} ) and i would be good. I did the same for XXXX and XXXX then i was told i was repossession status and force to pay {$1500.00} to remove the account from repossession. This was wrong on all counts. Why would they tell me they can help me and take my payment of {$270.00} then turn around and put me in repo status. If they arent going to do what the say and this is clearly their fault why i should be punish for their mistakes.
12/03/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 90003	Web
To my understanding a contract is between 2 people and with truth and lending act this was fraud cause i put a down payment whitch its ilegal In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights in so many ways please fix this issue at hand 15 usc 1662b 15 usc1605 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat & 50 payment on a credit card account under on open end consumer credit plan as late for purpose.
10/30/2019	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	CA 93710	Web
Lobel repossessed the car that wasnt mine from the start I paid only XXXX on the car the dealer lied about my address because thats who got the tags and got my application excepted I didnt have XXXX to put down on the car the loan date was XX/XX/XXXX of 2019 the dealer didnt do the registration correctly I got all fix it tickets he withheld my new plates with tags he didnt smog the car and the contract wasnt real it was black n white printed made by him hes a private dealer diamond auto sales and he has ways of doing things and he failed me as a first time car buyer XXXX raised my payments as well the whole contract was fixed.
03/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94401	Web
I leased the vehicule XX/XX/XXXX. Paid monthly on time sometimes even paid more than needed. Unfortaneyly in XX/XX/XXXX i get arressted and go to jail until XXXX the vehicule gets taken while i was in custody.. when i got it and looked it up it shows me that Lobel Financial charged off the account in XX/XX/XXXX and CLOSED THE ACCOUNT in XX/XX/XXXX as well.. They also recieved one last paynent of over {$2000.00} for the vehicule. Now a couple months after that they are continuing to add on $ owed to them and the collection owed amount has continued to rise, regardless of them closing the account and charging it off
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92335	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOBEL FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions COMPANY DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.
04/13/2023	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Didn't receive services that were advertised	CA 93552	Web	Servicemember
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. The credit bureau stated that my account was properly investigated but how if The date open is not accurate. The date last report it is not accurate. This ground for removal. They also violating my rights under. 15 US C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1641 Section 608 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. Also, the credit bureau took more than 30 days to complete my investigation.
08/12/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 95207	Web
My car that was leased through Lobel financial was repossessed back in XXXX. They have since sold the car to someone else. They never gave me the option to buy the car back or even let me know that they were selling it. I found out someone else had the car because I kept getting tickets sent to my address two years after the car being repossessed meaning whoever they sold it to never put the car in their name. They also never let me get my belongings that were in the car when they repossessed it. Now 6 years later Lobel keeps increasing the amount I supposedly owe them every month they increase.
10/13/2023	Yes	Vehicle loan or lease Loan	Repossession Deficiency balance after repossession	CA 95826	Web
I purchased a used car in XXXX a XXXX. and unfortunately, it was repoed in XXXX and sold by the tow yard for {$3000.00}. Lobel Financial has been garnishing /wage attaching my paycheck since XXXX. I currently been with my new employer since XXXX and here comes an attachment from Lobel Financial again, filed XX/XX/XXXX. what the heck I recently saw on google that the had a class action lawsuit filed against them in XX/XX/XXXX. and lost. So now why are they coming for me again with a vehicle that was reposed and sold from XXXX this can't be legal. I need help! they trying to get 25 % of my check.
07/23/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	AZ 85202	Web
This debt was originally settled with the original creditor in 2009. XXXX XXXX XXXX tried to purchase the old debt which was disputed and garnish wages. A hearing was request to mediate between myself and this law office after multiple filings in different courts without my notification and not attending hearings. XXXX County Consolidated Justice Court placed a stay of garnishment on the judgement after I filed a motion and XXXX representatives did not appear in court. This law office has now tried to launch yet another case of judgment against my property under this same disputed debt.
07/03/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 79930	Web
Lobel Financial told me via email that I need to deal with debt collector that my account was sold to and not them. I am now handling account with XXXX. Me and XXXX negotiated the account for the written off amount of XXXX. And {$100.00} a month. So far, Im current on the account with them. Lobel financial keeps reporting a higher amount on my credit report that goes up each month, they keep reporting late payment even though the account was a repossession. They have the account listen as a charge off instead of a repossession. And they keep hitting my account with random inquiries.
04/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33612	Web
XXXX XXXX in care of Lobel Financial, is constantly harassing me about a complaint from me to CFPB about Lobel Financial.After your investigation into Lobel, I contacted them to resolve the issue.They said that they had written this Car off.Because I was calling to get the amount what I owed to pay off They said it was written off as a lost.I told them to come and get the car, they said they didn't want it I parked the car for months they never came and got it.Because the car was never any good and they had lost money to the car dealer and so did I.Now they send XXXX to harass me.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33180	Web
I have a loan from LOBEL FIN, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called LOBEL FIN and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
08/27/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 91306	Web
XXXX XXXX gave me a loan for finance my XXXX XXXX I had just got it was my first car I ever got and I was always on time with payments but I ended up going to XXXX and I missed one payment cause I was in XXXX so as soon as I was released from XXXX I rushed home to make the payment on the phone and they told me my car was already sold in auction I told them I have prove I was in XXXX that's the reason I couldn't send the payment my dad tried to make the payment for me but they didn't want to take the. Money until I got out and now they say I owe them
12/09/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75039	Web
My husband and I have received several voicemails advising us that we have completed an illegal transaction that, depending on whose voicemail it is, has ranged from an insufficient funds check to an invalid account. Via voicemails, the agent is telling us that our account is behind due to invalid/insufficient funds and that we are past due. She also states that what we have done is illegal. We always made our payment timely and frankly, I am stunned to receive such a voicemail, when I know that what she is saying is not true or legal to say.
06/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33604	Web
I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. XXXX XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} LOBEL FINANCIAL XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX XX/XX/XXXX {$5300.00}
01/21/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NV 89108	Web
I financed a car with Lobel Financial on XXXX XXXX. I fell behind in payments in XX/XX/XXXX ( approximately ). I have recently began to try and correct me credit and came across an closed account with Lobel Financial. The date says it was closed XX/XX/XXXX but the last payment says XX/XX/XXXX. I have not had contact with this corporation since XX/XX/XXXX. I have not any payments since I fell behind. I believe they are attempting to change the date of last action in order to extend the statute of limitation. Which I know is illegal.
10/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34212	Web	Servicemember
There was a loan by LOBEL FINANCIAL opened up for a car by my roommate XXXX XXXX at the time. I had nothing to do with this car. Not the procurement not the purchase not ownership nothing. Some how I came to a debt collector and says i am a joint account holder. Not true. I have disputed this but to no Avail. I have tried contacting them XXXX XXXX also tried contacting them. All to no avail. It is hurting my credit score and I am trying to buy a home. I have never signed anything from this company never heard of them actually.
09/16/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	CA XXXXX	Web
Payment arrangements were made and agreed to. This company received the payment the same day before the deadline ( as agreed on a recorded line ) but had already taken the car ( with the repo rescinded ). I go out to drive to the office because my calls are being ignored and the car is gone. Two payments went through that day. A payment was returned, the car was kept and later it is appeaes on my credit shortly after I apply for services online. It keeps resurfacing creating a derogatory credit report and should be removed.
10/23/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NM 87121	Web
We had a pay off stated from the home office of this company California ) and then the XXXX office and we paid off truck By the time they stated. We waited for over a month for the title and instead today recived a bill for {$80.00} I contacted them and they have no clue what they are doing said its a late charge.They tried saying it was paid after XXXX on XXXX if you look at payoff print out from them it was XXXX the XXXX I am tired of this company and want my title. DO NOT USE LOBEL FINACIAL they are crimanals.
12/13/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IA 505XX	Web
I purchased a vehicle from libel financial back in XX/XX/XXXX-XX/XX/XXXX. we since XXXX the vehicle back since I lost my job and ended relocating to a different state. Since then Libel Financial has reported multiple different amounts ranging from XXXX to XXXX. Now most recently they doubled the amount to nearly XXXX dollars. More then the original price of the loan. I believe these are frodulent charges in order to try an inact legalncharges More than 3 years after reposession and are falsely reporting amounts.
07/24/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 95336	Web
Lobel Financial calls me, at minimum, once a day, usually more than once a day. I have told them repeatedly that I am not the person they are looking for so now they call and simply hang up when I answer. So I tried calling them back and speaking to their joke of a legal department and customer service department just to be continually told that they can not remove my number from their system because I can not tell them what account number it 's attached to. Apparently I am supposed to do their job for them????
12/30/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX XXXXX	Web	Servicemember
Made a purchase with lobel bank month after purchasing the car the transmission and starter went out contact lobel and asked for a defrred payment cause the cist of repairs was XXXX which the XXXX value of the car was XXXX was met by very rude reps made a payment on XX/XX/XXXX car was repo on XXXX called to ask how much to get car out was told had to pay the full amount after being told by diffrent reps that they would tell me the fee to get the car outbeen transfered many times put on hold and hung up on
06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95624	Web
My car wss stolen took without permission and was involved in a car accident at the time i had XXXX insurance full coverage they were suppose to evaluate and look at my car at the tow yard and never did. Lobe financial also made me purchase gap insurance which is double coverage they were suppose to cover whatever my insurance didnt i had a lawyer send a letter they took it off then put it back on my credit as a charge off after i disputed it with XXXX i want it off my credit because it is not accurate
03/19/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 95831	Web
I filed a chapter XXXX bk in XX/XX/XXXX. At the time XXXX XXXX XXXX stated the amount owed was XXXX, XXXX. Through the chapter XXXX bk, this amount was settled in full. My wife attempted to call them today XX/XX/XXXX and back in XXXX to get our title from them. However, they are saying that we still owe a balance. Our bk was discharged on XX/XX/XXXX with no response from this lender contesting the Trustee 's Final Report. We'd like to have our title to our vehicle that may we may move on with our lives.
02/11/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 90813	Web
I have problems with lobel financial. because they want to charge me penaltiesor " coverage '' like they called it for insurance coverage. something that I had been paying since I got the vehicle. my insurance policy hasn't change that's why I don't get it because no other bank has I ever had that problem.this same problem I had at the begining and I was asked to send the paper work which I did and didn't espect to go through the same problem every year. I just hope you can help me fix this problem.
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 933XX	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, LOBEL FINANCIAL, is inaccurately and erroneously reported. Their intentional and willful furnishing of misleading information is a violation of FCRA Section 623 and according to FCRA SectXXXX XXXX. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please examine and delete it from my credit file.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	FL 32256	Web
I just got out of prison XX/XX/XXXX and starting my own business in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... Lobel financial is a lender I discovered works exclusively on loans for cars... They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus lobel financial and made police reports with the local department and filed with the FTC
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95825	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
10/27/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33619	Web
LOBEL FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I LEASED A CAR FROM LOBEL TWO MONTHS LATER THE CAR GAVE OUT ON ME IT WAS A LEMON. I TOLD THEM TO GET ME ANOTHER CAR AND THEY REFUSED. I TOLD THEM TO PICK UP THEIR CAR AND TILL THIS DAY THEY ARE CHARGING FOR A VEHICLE THAT HAS EITHER BEEN JUNKED OR SOLD FOR PARTS. I THINK THIS IS UNFAIR. THIS HAS BEEN GOING ON SINCE XXXX XXXX XXXX AND BECAUSE OF THIS I CAN'T GET ANOTHER VEHICLE SO I CAN GO TO WORK TO TAKE CARE OF MY FAMILY.
09/07/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	AZ 85033	Web
I purchase a vehicle 8 years ago and 2 days later it broke down, I returned the vehicle back to the second hand dealership and they gave me back my deposit. Now, a lawyer for their finance department which is Lobel Financing is garnishing my paycheck of {$290.00} every pay check. I am single mother and my rent is {$1900.00}, this has caused me to be short on my rent each month. My children are young and I am not able to get a second job nor can I afford a babysitter. Please help.
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 331XX	Web
Hello, I am dismayed to have seen in my credit bureau a car loan that does not belong to me. The car loan originated in XX/XX/XXXX, when I was not yet a legal resident of the US. I arrived in the US on XX/XX/XXXX. Now I am desperate for start making a credit history in this country, and I can't because I have that debt in my credit bureau. Please, I need to know what I can do to resolve this unpleasant situation in which I am accidentally involved. XXXX XXXX XXXX XXXX XXXX
10/04/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 937XX	Web
LOBEL FINANCIAL has to this very day never disclosed my full rights to my consumer rights of the USC codes set forth by Congress. I have never been given full disclosure to my right of rescission 15 USC 1635 or full disclosure of my finance charge USC 1605 and All that it covers pursuant to consumer laws, why is Lobel Financial violating the law and continuing to do so after I've made numerous complaints as they themselves have mentioned in my last complaint on XX/XX/23?
08/30/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95833	Web
Today I called Lobel Financial to inquiry about settling a lien I had. While coming to an agreement on the phone Lobel illegally, without verbal or written consent pulled a hard copy of my credit report. When I noticed what they'd done I called several times and asked Lobel to remove the unauthorized inquiry as it damages my chances to obtain future credit. Each time they hung up in my face without an explanation on why they were illegally obtaining my credit history.
12/24/2015	Yes	Credit card	Billing disputes	CA 95834	Web
Lobel Financial is in clear violation of the Fair Credit Reporting Act and are refusing to investigate or remove late payments that I feel are in accurate. I sent them a dispute letter and rather than perform an investigation, they sent a computer generated template letter accusing me of credit repair. I asked for them to look into two payments on XXXX 2013 and XXXX 2013. They failed to even look into it and are asking me to provide documentation. That is their job.
06/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95834	Web
Lobel Financial Corp knowingly financed a vehicle with motor problems, expressed during our interview. Subsequently, the XXXX XXXX XXXX failed SMOG. After communicating repeat SMOG failures, and unsuccessful repairs while making payments. I returned the XXXX XXXX to Lobel Financial Corp. Lobel sold the vehicle and charged off the balance of approx. {$4600.00}. Lobel refuses to update the incorrectly reported balance of approx {$4800.00} to all 3 credit bureaus.
11/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80239	Web	Older American
This loan was taken out using my credit info to purchase a car loan. I did not take this loan out even though my info was used. It was a family member who used my info. i have reported this to the police and generated a report. i sent this information to the company and expect this company to take this info off my credit report. I do not have the car nor is the car located at my given address. I have no knowledge as to what or where the location of said car
11/08/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
I purchased a vehicle back in XXXX and it was financed through Lobel Financial. I was in desperate need of a car with my XXXX children. The salesman was so desperate he sold me a lemon. The car broke down on me on the freeway with my children in it. They repossed the car and have since then have been trying to collect the debt. I know there are XXXX laws against this kind of things to protect me and I want to know my rights and how I can fight this case.
06/17/2021	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	CA 94521	Web
Lobel Financial Corporation has contacted my employer to collect on a debt that is eight years old. The statute of limitations has ran out from when it originated with the original creditor. According to the state of California, the statute of limitations is four years. This company has contacted my employer that is laying me off XX/XX/2021. The garnishment of 25 % is to take place on XX/XX/2021. This debt is not on any of the credit reporting agencies.
02/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95758	Web
I, ve contacted Lobel Financial about this debt to remove from my Credit report. Car was repoed, and later found out that the company that i received the car from license was suspended from the XXXX, therefore they should not have been able to sell the car to me in the first place. Company is in current Lawsuits to recover the deposits paid on the cars they sold. Lobel approved a loan of a car whose license was suspended by the XXXX XXXX XXXX XXXX
02/02/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33150	Web
I purchase a car for XXXX dollars I gave XXXX down payment when I get my statement from the bank it says the loan was for XXXX I went to the dealer and ask for the original contract since he never gave me one he was suppose to mail it to me he claims he dont have It the bank sent me a copy and you can clearly see that my signature was forged I have proof that they advertised the car for XXXX online which is where I found and contacted them.
09/06/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33161	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.
07/27/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 953XX	Web
I have a loan with LOBEL FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LOBEL FIN with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33624	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33624	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33624	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
02/03/2019	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	CA 95210	Web
Lobeal financial repo car they are still garnish my wages after its been over 7 years and I don't even own the car but they still want me to pay for it in full after they repo the vehicle years ago and it's hurting my credit score bad I was young at the time now that I have grown and have a family of my own I want to buy a house but can't because of my credit I just asking for a second chance if possible thanks sincerely XXXX XXXX
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95350	Web
XX/XX/2021 Lobel financing. I was paying them payments and one point. They continue to do a charge off even when i was paying. I recently been working on my credit so i asked them if i can settle pay and delete. We settled for XXXX. They continue to post a balance of XXXX. Ive lost a lot of points since then. It looks like they have put that balance to 0 but how do i get the lost points back? Also, its still showing, not deleted.
08/21/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 937XX	Web
i just informed Lobel Financial by mail of their violations in Federal Truth-in Lending disclosure retail installment loan that was PAID IN FULL by my credit transactions finance charge pursuant to 15 USC 1605 . By use of my social security number { credit card 15 USC 1642,15 USC 1602 } As well they are in violation of 15USC 1635,15 USC 1666,15 USC 1611,15USC1640,15 USC 15,15 USC 1692k { 5 } and 29 USC 1109 .
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 93312	Web
Addresses that I have no association with has been added to my consumer report and Ive called serval of time to ask why and haven't gotten an answers. I even call credit furnisher and they gave me the run around to re contact the source of the companies that gave this false information XXXX XXXX XXXX XXXX Wrong address being reported on my reports XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33150	Web
XX/XX/2018 Lobel financial charged my credit for a auto loan I never inquired or even knew anything about I never made payments and never reached out to the company due to other charges on my credit that I had to make clear to the companies I know nothing of these debt and it had to be someone who has a XXXX Identification like a passport or something which allowing them to make transactions under my credit
05/03/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 93960	Web
I do not owe lobel financial any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.
01/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94565	Web
yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense
02/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 95354	Web
Was not given full disclosure, no right of rescission sent to me. Signature added to contract after I received my copy. Was not informed the contract would be securitized and sold. Down payment of cash was required. Request for accounting and w9 denied never fulfilled. I never gave consent for them to share my private information with anyone. They gave it to a tow company and they stole my vehicle.
01/06/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 765XX	Web
My original payment is {$250.00} a month I paid {$300.00} the first month the payment went down to {$210.00} if I continue to pay XXXX should n't the extra be applied to the principal they say it does n't because my normal payment is {$250.00} I thought my payment due would continue go down because the extra I am paying would go to principal instead of being like the original payment
05/27/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 95815	Web
I purchased a vehicle in XXXX of 2014 and put XXXX down payment. They atattacjhefattached insurance that I already had on my vehicle and would n't take itoff which made my car payment hard for me to make. When they came to rereposses my car I called Lobel, to make a payment and the tow truckdriver started to scream at the finance company on the phone andphysically threatening me.
07/04/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 956XX	Web
I have an auto loan through Lobel financial. I am being charged $ XXXX monthly because I have not furnished proof of full coverage insurance. In my attempt to pay off the car early with XXXXon the left, Lobel is trying to charge me the {$60.00} in advance of the payments remaining. I obtained a copy of the waiver I signed and nowhere in it does it say I had to pay in advance.
01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89113	Web
I wrote the company XX/XX/XXXX and it was received XX/XX/XXXX ( per company. ) The written notice to the company was an unauthorized credit inquiry which had my name and address along with my signature. I provided the information on my first original notice. However they responded back with request of the same information that was already stated in the first written notice.
10/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92557	Web
My car loan with lobel fincial was reported as 60 days past due when it was with a claim on gap insurance and was going to be paid in full all i had to do was pay the deductible befor my due date on the XXXX and i paid the XXXX for the deductible on the XXXX i was still reported as 60 days late and one my accout was paid in full was reported as closed not paid infull
10/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 331XX	Web
I'm going to explain my problem again in a simpler way. What is happening is that I have a report of a car purchased on XX/XX/XXXX, when I did not yet live in the United States. I obtained my visa to enter the USA on XX/XX/XXXX, and entered the country on XX/XX/XXXX. How is it possible that I have bought a car in the USA without living in the USA, this is my problem.
04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33186	Web
I checked my credit report and found out that the Bank : LOBEL FINANCIAL CORP is fraudulent reporting a car loan under my name which Ive never done business with them besides the only car i have on my credit is a Lease from XXXX XXXX it wont make sense that i do business with a small bank like lobel having a lease from XXXX XXXX its clearly a Fraudulent Account
04/20/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80128	Web
I have settled this account months ago and it has been signed off by a XXXX XXXX XXXX. I have Called numerous times and told me it would e be taken care of. In reality they have been consistently adding charges and giving me negative marks on my credit. I submitted information to all credit Bureau 's with contacting lobel financial. I'm in need of help
10/16/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	CA 92234	Web
Lobel financial all of a sudden took away the option to pay by phone or online. I've only made online payments, and I've only been early, I've never been late. They can not give me one reason why they are doing this. Lobel financial is demanding unreasonable ways to make payments with no explanation. This is not fair to the consumer ( s ).
07/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93436	Web
This Account was opened in my name fraudulently has to do with identity theft. I submitted an affidavit and also a police report. The company response was they never received a police report which i do have one in my possession as proof. This account should be removed from my credit report promptly as I a a victim of identity theft.
07/19/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web
i have disputed this account numinous time due to the fact that this account does not belong to me! I never open a account with you guy or any one in this company its been month since this been reporting on my credit report and at this time Im ready to take the final action if this account is not removed by the end of this month
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
06/21/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 93612	Web
I no longer owe this money to lobel they sold it to a third party .so if they sold it how can I how them.i have contected lobell and they have no info.all they tell me is it was sold to a third party what does that mean it has been on my credit report as wrong info I also notifed my credit report agencys they do n't help..
03/15/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NV XXXXX	Web
Company put a lien on me and additional cost of {$1200.00} towards court fees and additional interest than the balance of the vehicle that I am not entitled to pay which I originally owed was {$1800.00} now the fee is {$3100.00} which my cosigner passed away in 2016 that took a lot of financial responsibilities on me.
05/18/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 936XX	Web
My complaint is to follow up on my previous complaint. Lobel send me a letter trying to justify their actions. They also sent a vehicle history report that says the vehicle in question has no accidents. When in fact it has 4 accidents that were not disclosed at the time of purchase. I have sent them my demands.
04/13/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95825	Web
LOBEL FINANCIAL is reporting that my account is negative charge off. This negative INNACCURATE INFORMATion needs to be removed. I do not OWE this company any money. I NEVER LIVED AT THE ADDRESS XXXX which is associated to this account. This is an act of fraud please remove from my credit files..XXXX and XXXX
07/07/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 94601	Web
Lobel financial called me the employer several times requesting sensitive business information and kept threatening me that they were not going to give my employee the loan because of me. They asked for my banking information. They are just supposed to verify employment. Very unprofessional.
08/24/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 10977	Web
I am doing this report because it was many fraudulent accounts in my credit report. I did not have knowledge about these accounts. This is inaccurate information that I would like be removed. I unaware of this account and the collections are reporting in my credit report. Thank you.
11/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89044	Web
this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77406	Web
The company is a scam. You put XXXX down and it doesnt reflect monthly pay or nothing. Car didnt work the first week. Didnt start up nothing. If you check there reviews, every customer is unhappy. This is fraud, and need to be further investigated. I need this off my credit report.
05/03/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 33176	Web
I checked my credit reports and saw an account for Lobel for an auto repossession. The account is very old and i can not afford to pay for the total amount. I would like to settle for {$1000.00}. They call me monthly and i have told them to stop calling. they are violating the XXXX
01/21/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OR 97030	Web
MY WIVES CAR, THAT I FINANCED HER THROUGH LOBEL FINANCIAL WAS ILLEGALLY REPOSSED THIS MORNING, CALLED FINANCE COMPANY THEY SAY WERE PAST DUE, BUT I HAVE PROOF OF ALL PAYMENTS. THEY STILL HAVE NOT CREDITED TWO PAYMENTS THAT WERE MADE IN XX/XX/2020 AND XX/XX/2020. PLEASE HELP!! 1
11/08/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75074	Web
Lobel financial is reporting inaccurate information on my report my car was repossessed after two years of making payments and they are trying to charge interest on top of the repossession they refused to report the accurate amount so I'm asking for it to be taken off my report
06/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 810XX	Web	Servicemember
Credit report show s three late p ayments of which did not appear on my credit report until after the vehicle was refinanced through a different company even though it was not showing on my credit report even when the vehicle was still under finance with Lobel financial
07/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32836	Web
I been calling XXXX regarding an account thats reported on my report everytime I work in to a dealership every dealership see it..but whe. I call XXXX they said its not showing on the file so they need to update so everybody else can see the same thing with them
05/08/2015	No	Debt collection Auto	Communication tactics Frequent or repeated calls	TX 752XX	Web
This has been calling to many times in a day time. I believe that ina weeks time they called me almost a hundred times. In one day I had 32 Voicemails from this company. This has to stop these people are calling my family, friends, and place of employment.
01/30/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 91711	Web
Company continues to charge excessive fee 's citing that I do not have car insurance after proof of insurance was provided. And no agreement was entered with me to maintain full coverage insurance. However I have provided them with proof of insurance.
01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77429	Web
On XXXX the XXXX 2021 a company called XXXX XXXX XXXX ( XXXX ) and another company called Lobel Financial ( XXXX ) acquired my credit report WITHOUT my permission. I did not apply for any loan from them. I tried to call them but received no help.
03/10/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 77038	Web
I have written XXXX a letter informing them the information for Lobel Financial thats being reported on my credit report is inaccurate. XXXX did not attempt to resolve the issue. I also reached out to the company verifying the account is closed.
05/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 146XX	Web
File an dispute with XXXX regarding Lobel financial XX/XX/XXXX. Checked the status of the dispute XX/XX/XXXX states account removed now my credit file is reflecting the acct back on my credit file after it was removed their reaging this account
10/13/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92301	Web
I am requesting that a forensic audit be done regarding this account. This company has over charged me and inflated expenses. They also sold the vehicle without sending me a 15 to 30 day notice of the sale. This company is a predatory lender.
07/27/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95834	Web
Ive paid roughly {$4000.00} of car notes on my {$10000.00} XXXX loan. My payoff amount is still over {$10000.00}. Ive read similar complaints of this company falsely reporting and stealing money from consumers. They need to be investigated.
10/03/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75050	Web
My vehicle was repossessed on XX/XX/2018. The loan was due for XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$300.00} payment. I did not receive a letter of acceleration nor did I receive a notice of intent after the vehicle was repossessed.
10/12/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30296	Web
I wrote a letter to the company requesting information I received a copy of judgement that I was NEVER served with a prejudgment interest rate of 22.95 % which is crazy plus I no longer lived in the state wondering if this is authentic.
06/02/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 95610	Web
I tried to negotiate a settlement offer with this company and they wouldnt go down more than XXXX dollars from a XXXX balance. Which is ridiculous to me. Thats not much of a negotiation. Now its constantly bringing down my credit.
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75070	Web
i have unauthorized credit inquires on my credit report, i have sent in letters to merchants who can never locate a account and i have sent letters to credit bureaus who tells me to reach out to merchant with no ACTIONS taken.
07/30/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 932XX	Web
Continues to call my cell phone to collect a debt from someone I do not know, disclosed that persons collection account information to me. Repeatedly told them they have the wrong number and person but continues to harass me.
02/04/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 93722	Web
I WAS SERVED A JUDGMENT FOR A CAR LOAN THAT I COULDN'T AFFORD ANYMORE AND LOBEL FINANCIAL HAS BEEN GARNISHING MY WAGES CLAIMING I OWE {$11000.00}. THIS HAS CAUSED ME A HARDSHIP WITH MY JOB AND STRESS WITHIN MY FAMILY.
11/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33162	Web
i first contacted Lobel financial corp about the fraudulent account on my credit report. it was removed from XXXX but still remains on XXXX, and XXXX. I have been a victim and been fighting identity theft since 2018.
09/24/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 95833	Web
I reached out a couple times over the years to explain to them that the car was my ex spouse and when he left me he took the car so I would like to set up a payment plan and they take it off my report
09/30/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 937XX	Web
I asked Lobel Financial to cease and desist contact with me about the debt that was paid by my finance charge on my car. Yet Lobel Financial is violating the cease and desist i sent them on XX/XX/23.
06/22/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AZ XXXXX	Web
I am part of the consumer that were effected in their class action law suit No. XXXX XXXX XXXX. My contracted was date in the XXXX. They are attempting to garish my wages on a incorrect judgment.
06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93436	Web
I co-signed a loan for my ex wife and she defaulted and now Im left with a charge off thats hurting my score tremendously Ive tried to get them to remove and this was also involved in litigation.
02/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84404	Web
Lobel Financial Corp # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33309	Web
I filed a dispute in regards of the incorrect items on my credit report with the credit bureau, it has been well over 30days, and I haven't recieved any investigation results.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30082	Web	Servicemember
Lobel Financial {$16000.00} this account does not belong to me and the original creditor has yet to provide information and other documentation to support there claim.
02/24/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 75181	Web
Date : XXXX XXXX Balance : XXXX My loan was sold and I was unable to get in contact with new owner. I reached out but the number that I was provided was disconnected.
10/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 937XX	Web
LOBEL FINANCIAL is still violating my rights as the consumer by not giving me my refund as pursuant to the US codes or as i demanded in my letter they received.
10/24/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 937XX	Web
LOBEL FINANCIAL received my retail installment loan and has yet to fully disclose my rights as the consumer pursuant to consumer laws provided by Congress.
07/11/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33607	Web
Lobel Financial has an account of XXXX reported to my credit without my information, only with my name, there is no information of mine in its system,
09/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95206	Web
I have filed a dispute with XXXX and XXXX to removed fraudulent accounts be removed from my credit report, investigation took well over 30 days.
10/08/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	MO 64134	Web
The information is credit report is inaccurate information. The address is incorrect, the dates are also incorrect. Someone has compromised my ID
11/17/2023	Yes	Vehicle loan or lease Lease	Improper use of your report Reporting company used your report improperly	TX 78681	Web
They sent a contract over I never signed my signature was forged. I have been trying to get them to remove and instead put on my credit report.
09/11/2021	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Lost or stolen check	FL 33138	Web
Hello, I have a check that I have not been able to exchange my check has expired and I have not paid my funds. I need help recover my money
05/08/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NY 10977	Web
Unknown account. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove
05/20/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 95621	Web
Lobel Financial is harrassing me at work. I am defaulted on the loan and they have continously called me at work harrassing me.
05/11/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	CA 92374	Web
I paid off a old dept that was suppose to off of my credit and its still on there. XX/XX/17 -Paid {$2900.00}
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94591	Web
My identity was stolen and numerous credit cards and purchases were made in my name
03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 752XX	Web
Pulling up old addresses where I dont live sending letters and unwanted phone calls
11/06/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	CA 92618	Web
Lobel Financial ran my credit on XX/XX/2023 without my permission or authorization
10/25/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 94560	Web
Lenders lobel financial services did not mailed legal Repossessed letters.
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76201	Web
Company wont provide information that the loan belongs to me
05/20/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78240	Web
Lobel Financial is making false claims on a closed account
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33130	Web
i didnt do credit inquiries with this companies.
10/28/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX XXXXX	Web	Servicemember
Reported : XXXX XXXX, XXXX XXXX : {$8100.00}
01/21/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95822	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 750XX	Web

01/13/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	TX 75134	Web

01/12/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OR 97211	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94541	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77494	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77494	Web

12/06/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 75126	Web

11/30/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33014	Web

11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78229	Web

11/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33020	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 33165	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33624	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 92618	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36832	Web

09/26/2023	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	CA 92649	Web

09/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33147	Phone

09/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30312	Web

08/24/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78061	Web

08/17/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 95838	Web

08/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33028	Phone	Older American

08/11/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33172	Phone

07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33409	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32254	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91203	Web

06/08/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33147	Phone

05/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93702	Web

05/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA XXXXX	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95823	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98042	Web

04/25/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 76155	Web

04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33143	Web

03/16/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33025	Postal mail

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32712	Web

02/18/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

02/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	WA 98682	Phone

01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TN 37217	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92113	Web

12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33009	Web

12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90038	Web

10/06/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33324	Phone

09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33023	Web

09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33060	Web

09/06/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	WI 53224	Phone

08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78222	Web

08/24/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 95842	Phone

08/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NY 11550	Web

08/16/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 95354	Web

08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90008	Web

06/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92108	Web

05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32809	Web

05/24/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90011	Phone

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90036	Web

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95757	Phone

05/06/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95610	Phone

05/02/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NV 89108	Phone

04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93706	Web

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11218	Web

04/18/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95603	Phone	Servicemember

03/23/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 33186	Web

03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92019	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33604	Web

01/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95215	Web

12/31/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OR 97003	Web

12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91607	Web

12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32811	Web

11/09/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX XXXXX	Web

10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77003	Web

09/27/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 92551	Web

09/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31061	Web

09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32832	Web

09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33442	Web

09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33442	Web

09/02/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92553	Phone

08/20/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	OR 970XX	Web

08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89129	Web

07/28/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 34221	Web

07/24/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80010	Web

07/22/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93245	Phone

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95841	Web

06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91406	Web

06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91406	Web

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92881	Web

06/04/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 34953	Phone

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OK 73505	Web

05/03/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OK 74851	Web

05/02/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 33169	Web

04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95358	Web

04/16/2021	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	CA 95832	Web

04/13/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33168	Phone

03/26/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 95337	Web	Servicemember

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77061	Web

02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89141	Web

02/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AZ 85756	Phone

01/31/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80231	Web

01/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan		Phone

12/31/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78109	Web

12/01/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 91342	Fax

11/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89147	Fax

10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WA 98446	Web

09/20/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 79705	Web

09/18/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	NV 89104	Web

07/30/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 95206	Web

07/24/2020	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Billing dispute for services	TX 75901	Web

07/22/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle		Phone

06/08/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 91706	Phone

04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75032	Web

01/22/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	DC 20001	Web

01/13/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	DC 20001	Web

11/17/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75241	Web

11/04/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75241	Web

10/29/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	WA 98683	Web

09/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77063	Web

07/22/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MN 55434	Web

03/12/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 94565	Web

02/27/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 95624	Web

02/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32303	Web

01/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77082	Web

01/14/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 95610	Web	Servicemember

12/30/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 92543	Web

12/22/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 95310	Phone

12/12/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 95310	Phone

12/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95605	Referral

11/01/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MO 64063	Web

10/29/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90044	Web

10/10/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 95758	Web

08/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33169	Web

07/28/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	TX 75227	Web

07/17/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 93702	Web	Servicemember

07/16/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91335	Web

04/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95605	Fax

04/03/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	CA 93307	Web

02/11/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 75243	Web

01/21/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93722	Web

12/01/2017	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 76006	Web

11/14/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	UT 84078	Web	Servicemember

10/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76006	Web

10/05/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 98042	Referral

09/26/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 92539	Phone

09/22/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 93304	Referral

07/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	UT 84005	Web

07/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	UT 84005	Web

07/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84005	Web

07/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84005	Web

06/19/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NV 89031	Web

05/12/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AZ 85032	Postal mail

05/11/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	CA 92374	Web

04/15/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95838	Web

04/11/2017	Yes	Credit reporting	Incorrect information on credit report Account status	NV 89139	Fax

04/08/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	TX 75019	Web

03/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75019	Web

03/13/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 75019	Web

02/21/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94601	Web

02/03/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92551	Phone

11/27/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 63401	Web

11/14/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92377	Web

10/06/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85379	Web

06/14/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	AZ 85281	Postal mail

06/09/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay		Fax

06/06/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 93602	Phone

05/11/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	CA 95677	Web

03/30/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 90220	Phone

02/12/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 91711	Web

01/23/2016	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	TX 76051	Web

10/30/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92335	Postal mail

10/27/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 90620	Web

10/09/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95624	Referral

09/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA 98178	Phone

09/10/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 91941	Phone

09/09/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95231	Web

08/17/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 93612	Phone	Servicemember

08/04/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78112	Web

07/17/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	ID 83605	Phone

02/23/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95815	Web

01/22/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA 98178	Web

01/21/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95831	Web

12/14/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92253	Web

12/10/2014	No	Consumer Loan Vehicle loan	Managing the loan or lease	CO 81007	Web

11/10/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75042	Web

10/09/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 91042	Web

09/05/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 95626	Web	Older American

08/22/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92346	Web

08/21/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 92025	Web

08/21/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95928	Web

07/31/2014	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	CA 93210	Web

07/11/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 92562	Web

07/10/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94188	Web

06/25/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92025	Web

06/24/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NM 87004	Web

06/19/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	CA 93638	Web

06/11/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75211	Web

06/04/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 92369	Postal mail

06/03/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94509	Web

05/28/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 93710	Web

05/02/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 94066	Phone

04/28/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	CA 90057	Web

03/24/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85210	Phone

02/10/2014	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	CA 94745	Web	Servicemember

12/31/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 78130	Web

12/30/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA 98387	Web

11/20/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 91911	Web

11/07/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85042	Web

09/16/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95018	Web	Older American, Servicemember

09/13/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 95608	Web

08/22/2013	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	CA 95341	Web

06/03/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 95350	Phone

05/09/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	UT 84606	Web

04/09/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75067	Web

03/29/2013	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 98362	Web

02/16/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NV 89111	Web

02/14/2013	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85044	Web

09/21/2012	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 93305	Web