ComplaintsforDBS Financial

• Initial Complaint

  10/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I put a down payment on a car about 9 months ago . It was recently repoed , but I paid everything I was supposed to pay to get back in my vehicle. They switched the title out of my name without my knowledge and still let me get my car back . Now I can’t get license plates for my car because they will not put the title back in my name . They are giving me the run around and still expect for me to make car payments . I do not have any documents even stating that this is my vehicle but I am still expected to pay a car note no weekly and I can’t even drive it . I need help with what I am supposed to do to further this problem .

  

  Business response

  10/19/2024

  I am responding to complaint #******** for ******* ********.  ******* had a repossession with DBS Financial on 9/27/2024.  On 10/16/2024, ******* completed the necessary steps to redeem the vehicle from repossession status.  When a vehicle is repossessed, the title must be put into the lienholders name before it can be sold at public auction.  ******* completed the redemption before the vehicle was sold at auction, but we need time to put the vehicle title back into *******'s name.  We have already ordered the title returned from the auction so we can process the paperwork to put the title back into *******'s name.  This process should be completed by 10/25/2024.  ******* spoke with DBS Financial on 10/18/2024 and was advised of this information.  ******* can contact DBS Financial at ************ with any further questions or concerns.

• Initial Complaint

  09/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I bought a car that was financed through this company. The cars e check light came on, so I called LISA Warranty and was told the car was never inspected before being sold to me and they would cover everything. I asked for my money back or a different car. I was told no, I had no choice but to let the car get fixed. After about 5 days they delivered car to me. The car immediately made a loud sound and started shaking and rattling every time I turn. So I dropped back off at Firestone. It's now been 5 days and I keep reaching out, they have no respect for the consumer at all. So Firestone said the car needs an entire back end and they couldn't do the job. I've been without the car since 9/10/24 and I'm still making payments. They're very rude. This is not right I work in recovery to help people navigate through the community. I spent all that money to be scammed. I have everything I need as far as receipts and videos of proof. It's not fair this is happening to me. This should not be allowed to do people like this and get a way with this. Please help me get this resolved. I've paid them to catch rides.

  

  Business response

  10/01/2024

  I am responding to complaint #******** for ******** *****.  ******** purchased a 2014 Ford Escape from ABC MotorCredit in Tallmadge, OH, on 8/16/2024.  This was pursuant to a retail installment sales contract assigned to DBS Financial at the time of purchase.  ******** also purchased a 24-month, 24,000-mile limited vehicle service contract.  ******** has been in contact with Lisa Warranty on several occasions.  The vehicle is currently being repaired at Urbans Auto Center in Cleveland.  We are replacing the rear differential on the vehicle.  Unfortunately, ******** has disputed the payments that have been made to DBS Financial which has now caused her account to fall past due.  ******** needs to contact DBS Financial at ************ to get her account brought up to date.  We will not be able to refund any money paid to ABC MotorCredit or DBS Financial.

  Customer response

  10/01/2024

   I am rejecting this response because:
  The money is being held in escrow until the company has held their end of the bargain. I have reached out to the company on the behalf of the payment. I stopped payment on vehicle to hopefully get results. I've paid 2 weeks ago without a vehicle. I think that since they promised to pay for the vehicle since it never was inspected, that's fair to hold payments in escrow until the product has been delivered. I haven't had a car for 20 days now. 
  

  

  Business response

  10/02/2024

  I am responding to complaint #******** for ******** *****.  DBS Financial is standing behind our original response on this complaint.  ******** can contact ****** at ************ ext. **** with any further questions.

• Initial Complaint

  09/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Company took 2 payments instead of one . I am not delinquent or late and have been taken advantage by this company several times

  

  Business response

  09/24/2024

  I am responding to complaint #******** for ******** *****.  DBS Financial initiated the refund for the 2nd payment on 9/23/2024.  ******** should see this payment refunded back to her account within 3 business days from 9/23/2024.  DBS Financial apologizes for the error that caused the duplicate payment from running.  ******** can contact DBS Financial at ************ with any further questions or concerns.

• Initial Complaint

  09/04/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  So I had my vehicle towed Urban Auto Center - ***** ****** ******, for a cracked radiator. I went through the finance center I purchased my car through called DBS Financial. They told me how much it would cost to get my radiator fixed. At the time of me taking my car to them my car was starting up with no problem except I couldn't drive it because the car would overheat. I paid 283.50 on 8/20/2024 to get the job started then paid another 283.50 when the job was finished on 8/22/2024. Urban auto nor did DBS Financial tell me that the car engine was knocking and it was a problem with the vehicle. I picked up my vehicle 8/23/2024 to take it home and the car cuts off and its knocking when I asked the mechanic about the issue, he tells me that he knew about it ahead of time but never put it in the report that this was a problem after I paid the full amount about the vehicle. I got my insurance company involved and Urban Auto nor DBS Financial sent the Insurance company any pics about the engine. Now DBS Financial has repossessed the vehicle and sends me a letter in the mail telling me that they are going to auction the vehicle off but still no pics have been sent to the insurance company to let them know if the vehicle is a total loss or not. DBS Financial is trying to get me to continue to pay for a vehicle that is damaged and broken but are not working with me or the insurance company to get this issue resolved, they are trying to sabotage everything and make it just disappear but still hold me accountable for something that they need to take care of. The only thing I want from DBS Financial is for them to email me a letter saying this will come off my credit and they can sell the vehicle. I don't want to have nothing to do with DBS Financial after this. I wasn't even offered another vehicle. I just want this resolved so I can get a vehicle that is dependable and without the headache or games.

  Customer response

  09/05/2024

  DBS contacted me today around 10:01am to talk about the insurance company contacting me about the vehicle. I told them exactly what I told them before, that Urban Auto Shop didn't send the pictures to Allstate Insurance, so they reached out to Lisa Warranty and told them to send the photos over immediately so this issue can be resolved. I don't know if this has been handled yet but I am waiting for them to get back to me and let me know what are the next steps.

  

  Business response

  09/06/2024

  I am responding to complaint #******** for ****** ******.  ****** purchased a 2010 Subaru Forester from ABC MotorCredit in Bedford, OH, on November 12, 2022.  The retail installment sales contract was assigned to DBS Financial at the time of purchase.  ******* also purchased a 24-month, 24,000-mile service contract.  ****** spoke with the Lisa Warranty company on 8/22/2024.  Lisa Warranty is the administrator for the service contract.  Lisa Warranty advised ****** that in order for the engine repair to be approved, he would need to provide proof of the oil changes done on the vehicle.  The service contract stipulates that oil changes must be done every 3 months or 4,000 miles, whichever comes first.  Based on the time since purchase, ****** would have needed to complete 7 oil changes.  ****** indicated that he only completed 3.  Therefore, the claim on the engine repair was declined.  ****** was offered an interest-free service loan for the engine repair.  The vehicle also has collision damage and ****** stated his insurance company would be looking at the vehicle.  The insurance company has not reached out to DBS Financial as of 9/6/2024.  ****** can contact DBS Financial with any further questions.  Unfortunately, we will not be able to remove this loan from ******** credit report.

  

  Business response

  09/09/2024

  I am responding to complaint #******** for ****** ******.  We stand behind our original response on this complaint.  As of 9/9/2024, DBS Financial has still not heard from ******** insurance provider regarding the vehicle.  We encourage ******* to reach out to his insurance company and have them contact us directly at ************ to get the next step in the claim process started.

• Initial Complaint

  08/27/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company will not stop harassing me. They call me and emailing and me treating to turn me into their lawyer for car I no longer have.

  

  Business response

  08/28/2024

  I am responding to complaint #******** for **** *****.  **** purchased a 2015 Kia Soul from ABC MotorCredit in Bedford, OH, on 5/24/2024.  This purchase was pursuant to a retail installment sales contract which was assigned to DBS Financial at the time of purchase.  The vehicle was repossessed on 8/15/2024 and is set to sell at public auction on 9/10/2024.  DBS Financial has still been trying to contact **** due to the outstanding balance and delinquency on his account.  I will notate his file that he no longer wishes to receive any calls from DBS Financial.  However, all other legal remedies for this outstanding balance will still be pursued.  We will not be able to remove this account from ****'s credit report.  **** can contact DBS Financial at ************ and use option 3 to speak with any representative should he have any further questions.

  Customer response

  08/28/2024

   I am rejecting this response because:
  For one it was a 2016 not a 2015. Two all they know how to do is harass people and threat to repo the car even if the payment isn't due until 11:59pm that day. I think in all the sell cars that are not safe for a child to be in. I think they need shut down. 
  

  

  Business response

  08/29/2024

  I am responding to complaint #******** for **** *****.  DBS Financial is standing behind our original response on this complaint.  **** can contact DBS Financial at ************ with any further questions.

  Customer response

  08/29/2024

   I am rejecting this response because:
  
  I just want it to be known how bad of a company DBs Financial is. I want it posted on BBB website..

• Initial Complaint

  07/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently got my car back from being repo on the 26th ! My previous account Manager *** told me my account would be due again on the 12th of july and had to be set as an Auto payment but if i had a change of job to call them so i can do a due date change because i was originally using instacart as a form of income. The day after my payment was due on the 13th i contacted them to speak to *** about what we had previously dicussed because i needed a due date change they said **** no longer worked there but to send over my information of my offer letter to them to do the due date change. They then waited until my account was already 7 days past due to say they cant do the due date after they asked me to send over the information and to sign the documents i received a text frim ******* and and email from ** for me to sign the docs after the docs were signed they then call me after my account was already late saying i cant do the due date change and im now 2 payments behind not even mentioning i cant do it cause the modification I spoke to multiple people *** who was very rude ***** who was also ver rude and a another lady with a reference # of *** who kept hanging up on me on top of that i over here other employees saying inappropriate things like shes a maniac and she just dont have no money in the background. This Company is very unprofession** and they need to be shut down. Everybody tells you different information then when u go off what someone else previously said u become wrong because thats not their policy . I have all my proof every text and the documents text. Im so sick of them and they disrespectful ******..

  Customer response

  07/20/2024

  This is more documentation of me trying to reach out to my old account manger to do a due date change but the message wouldn’t go through because they fired her thus message is on the 12 and on the 13th is whn i called again and asked for the due date change and realized i had a new account manager its also  documentation of them telling me i can due the due date change also proof of them asking me to sign the documents. Also proof of me signing the documents. Also the voicemail message they left me a week after i asked for the due date change putting my account 2 weeks behind also documentation of them now trying to say my vehicle is 2 weeks behind which i owen 255.. after i signed all my documents and forms 

  Customer response

  07/23/2024

  [[BBB transcription via duplicate complaint, see attachments]]

   

  To add to my previous complaint. I also have proof of them not responding to my request until a week later then telling me im 2 payments behind when i requested my change a day after my initi** payment. They then had me sign documents that i have attached to my first complaint on the 18 of july which another payment was due on the 19th of july which i requested a due date change to go with my pay schedule on the 13th of July they say the couldnt have stopped a prior payment but they most definitely could have and that is why i put in for the due dat change to begin with. I also will be uploading the request the sent me on the 18th to sign the documents for the due date change then turning around saying the cant do it after they had me sign them and after my account when a week past due when i contacted them a day after the payment was due on the 12th of july and because the documents were time sensitive i only can upload them asking me to sign tnem through text and they email that was sent to me by **

  

  Business response

  07/27/2024

  I am responding to complaint #******** for ***** *****.  DBS Financi** spoke with ***** on 7/26/2024 and worked out a payment plan with *****.  If she has any further questions, she can contact us at ************.

• Initial Complaint

  07/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Entered by BBB staff LO Consumer states she purchased a vehicle on 6/20/24 from ********* Credit and DBS Financial is who she makes her payments to. The consumer set up automatic payments. On 7/5 the business took a payment of $346.34. She called them on 7/6 because she kept getting alerts that the payment was late. They told her they never received a payment but she sent them proof. The consumer went to ********* Credit to make a payment in person of $350.87. The payment that was taken from her account on 7/5 also cleared on 7/7 so a double payment was made. On 7/19 they deducted another payment of $346.34 which should not have been done. She has contacted the business multiple times but nothing has been resolved.

  

  Business response

  07/24/2024

  I am responding to complaint #******** for *****************************.  The manager at DBS Financial, ******, spoke with ******* on 7/23/2024 and we have resolved the payment issues on the account.  If ******* has any further questions or concerns, she can contact me at **********************.

• Initial Complaint

  07/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  When it was time to pay my note the account manager reached out and was very rude and aggressive. They repossessed my vehicle and it was not pass the 7 to 10 business day late term which is in the agreement. They are trying to charge me for charges that I was never notified about led me to believe everything was up to date with my car note. The supervisor ***** was very rude for no reason I never once raised my voice. This business is horrible and something needs to be done about it.

  

  Business response

  07/23/2024

  I am responding to complaint #******** for ***********************.  ******* has spoken with DBS Financial and reached an agreement to get the repossessed vehicle back.  This was completed on 7/8/2024.  ******* can contact DBS Financial at ************ with any further questions or concerns.  We have also looked into and addressed the customer service issues outlined in *******'s complaint.  DBS Financial apologizes for the customer service experience ******* received and we are working to ensure this is remedied going forward.

• Initial Complaint

  06/06/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased a vehicle from ********** in January of 2023. 10 days after getting it the control failed and I kept getting a check engine light on. I had to pay ****** dectuable to get the arm fixed. They didn't fix the check engine problem I was told that's what you get when you buy a used car. I put up with them until July of 2023 I told them to come pick up their car. It took over a month for them to do that. During thst time some lady named ******* kept calling and texting me with threats of losing my house and even my child because of them taking my home from me. She told me she would call child protective services on me to have them take my little girl from me. They are really unprofessional. Even after they pi ked up the suv they kept calling and texting saying they are going to repo it after they already did. I called them and told them they picked it up and ** had no record of it at the time. Then they told me I still owe them ***** for a car I didn't have anymore. It was supposed to be sold at auction. When they pucked up they call I called them asking for my car seat back they told me it was at the tow yard. I tried calling them to go pick them up and noone ever answered or called back. I called dbs again and was told by ******* that it was nit there problem. That I shouldn't have sent the car back. They threatened me so much that I finally told them I'll pay ***** a week because I was scared of losing my 3 year old daughter. Right now I am out of work and I am only behind ***** and ******* is at it again saying I'll lose my house and they will take 25 percent of my pay when I do get a job. I don't know how they feel they are the law. It's up to the courts to determine the amount not them. I have read and talked to other people about them I keep hearing the same thing that they prey on people with not so good credit and over charge for their cars and when they repo them they are the ones who buy them back for pennies on the dollar and resell them at them

  

  Business response

  06/19/2024

  Hi ******,
  This is Al at DBS Financial. There are several accusations made here, and after reviewing my records, I see no evidence of the events you described. You did offer to pay $25 weekly towards the loan to pay off the remainder after your car was sold.
  Please note that you are still responsible for the loan regardless of whether you have the car or not. You have not fulfilled your promise. If you would like to discuss this further, please feel free to call me at ************. I am confident that we can find a solution together.
  Best regards,

• Initial Complaint

  05/03/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Paid for vehicle free and clear and their giving me the run around about giving me my title. Supervisor hung up on me

  

  Business response

  05/06/2024

  Hi ********,
  
  This is Al from DBS Financial. We sincerely apologize for the issue with the title. We became aware of this matter when you contacted us on Friday while you were at the **** Unfortunately, we were unable to resolve the situation with your title on that day. However, as soon as our title department was back in the office today, I prioritized your ticket, and it was resolved within the first 30 minutes of the day.
  
  I called you to discuss how you would like the title to be sent to you, and we reached an agreement. I truly appreciate your patience in this matter, and I apologize for any inconvenience it may have caused you.
  
  Best regards,
  Al

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩